Guru Summer Hudson with EXP Realty

Rick Ripma: 0:00

Welcome to Indy's Real Estate Gurus. I'm Rick Ripma, your hard working mortgage guy, and I've been in real estate and mortgages for over 34 years, I've helped over5300 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 Rick's hard working mortgage team. I've been in the financial industry for 15 years helping customers rebuild their credit, get the best possible interest rate and a passion and helping you secure your overall real estate dreams. And if you're anything like me pay your house off even faster.

Rick Ripma: 0:34

And if you have any questions on the in the real estate market, or the mortgage market, please go to hardworking mortgage guys.com. That's HardWorkingMortgageGuys.com. You can contact the internet from there, or you can give us a call at 317-672-1938. That's317-672-1938. And today we have summer Hudson Yes. And you're with exp Yes. Yes. And you are a phenomenal agent, you've been highly recommended by many other agents. Plus we read all your reviews, and you're phenomenal on social media. So we're really, really excited to talk with you and really hear your stories because you've had some phenomenal stories. Yeah,

Summer Hudson: 1:15

thank you. I'm excited to be here. Thanks.Thanks for joining us, we

Rick Ripma: 1:18

do appreciate it.We'd like to always start with before real estate, oh, you know, if you can talk about

Summer Hudson: 1:25

it, I can. So before real estate, I was heavily into social work. I did a lot of jobs. First I was in the addiction field. I helped be an addiction counselor. I got my hairdressing license on the side to kind of have something for supplemental income here and there. And I did hair forever. I mean years and years and years.But my main jobs were in social work. I then worked for Child Protective Services, take a walk with kids. That was really hard.And then I went on to working in a maximum facility women's prison for a little while teaching life skills. And then I went from there to I moved to Indianapolis, and I started working with Community Health Network, with clients with really acute mental health disorders, schizophrenia, things like that to help them learn life skills. Yeah, and so I had a pretty crazy background, which was great for real estate.

Ian Arnold: 2:25

So you dealt with all the bad stuff? Yes. Nothing good. Was this true? Yeah,absolutely. Yeah. Doing a lot of good. Yes, yes. But a lot of weird people you got to deal with.

Summer Hudson: 2:40

Absolutely. And listen, real estate is to me,easy peasy. This is job. I have so much love and satisfaction in my career, because I've seen the worst of the worst I've seen.You know, man, I've seen it all.I really have I probably should write a book. But real estate once I got into it, I get to help people. And if they're crazy, 30 days later, I say goodbye. Have a great life. You know,

Ian Arnold: 3:08

you have been awesome. The other day we we I always asked what's somebody's most memorable story. And there was one that said they they sold. There were customers were buying the whole people would not leave that they needed you to Yes,

Summer Hudson: 3:22

yeah. Let's go.Right here. Yes, yeah, yeah. And so you know, there's I've had clients that I've just been like, you know, my team has been like, these people are crazy.And I'm like, I got it. We're good. I've seen crazy, this is nothing. And so, you know, it's my niche, and I do really well with it. And I feel like it's given me some thicker skin and it helped. It's helped me along the way, honestly. So

Rick Ripma: 3:47

I don't think homebuyers and sellers are crazy, right. But I do think that they have a lot of emotion.Yes, goes into that process,what you've gone through what you've your skills, and what you've done has to play really well into helping them.

Summer Hudson: 4:04

Yep, I actually when I have new buyers,especially first time buyers, I give them a speech and it's the same speech for everyone. A long time ago, a mentor of mine use the phrase closing psychosis and I thought closing psychosis, I don't the closer you get to closing, the closer they get to psychosis. And it's like and I don't know if it's the money if it's just the fear or whatever.And I always tell my clients, if you feel closing psychosis coming, you'll know you'll either drink too much. You'll tell your partner you want a divorce, you'll do something crazy that your coping skills have taught you to do. And at that point, it's your turn to give me a call and say I'm on the cliff. I'm about to jump.What do I do? And I'm going to talk you off that ledge and help you because usually it's an irrational fear. It's something that they are misunderstanding.It's a number that actually is incorrect on their settlement statement. It's it could be a slew of things. But I always tell my clients if closing psychosis is approaching you need to call me so I can talk to you off the ledge. And so it's a real thing. I've never not had to close a person not have it.

Rick Ripma: 5:05

Yeah, it is a real thing. And it's but there's so much they don't. They've never done before, even if they bought many houses, things change all the time. Yeah. And when, when you see the numbers, you know that until the very end, they're never they're never 100%accurate. Yeah, I think that freaks people out.

Summer Hudson: 5:25

Absolutely. I bought a house three years ago,and I even had my husband and he was like, I'm gonna, you're driving me crazy. And I was like, but yeah, I felt the pain.And I was like, Oh, this is this is what we're doing. We're, you know, this is how it feels. And it's awful sometimes, but at the end, it's the reward. You know,it's so much greater.

Rick Ripma: 5:47

So, well, first, I gotta say, I quit hair, too.Yeah. So you know? And, but how did you go from all of that? To go real estate, that's what I want

Summer Hudson: 6:00

to do. So initially, I was my last job with, with working with clients with schizophrenia. I really loved the clientele. The politics, were getting rough in medicine. And a friend of mine while I was doing her hair, she was like, why don't you do real estate? And I thought, you know,I know. No, thanks. No, thanks.I don't want to have to be commissioned based I was really afraid of, of changing from a salary position to something that you have no idea if you're gonna make money or not. And so probably six months passed by I cut her hair again, she was like, you really should be an agent. And then finally, I was talking to my husband, I had a really bad day at work. And I came home and I was like, I don't know what to do. I love what I do. But I'm so tired. And he was like, let's just try what's the worst that can happen? He's like, Maybe you love it. And I my first sale, I never looked back. Never. I gave my notice to my job. Probably six months later, I plan myself my exit strategy. And I've never looked back.

Rick Ripma: 7:00

You know, I gotta say, My son is in in finance.And one of the areas that I he has told me I'm terrible at is I never have an exit strategy.Yeah, I gotta have an exit strategy. Yeah, I

Summer Hudson: 7:14

think it's a it's a Capricorn thing, I think. But yeah, I always have an exit strategy for anything. And I think that's probably because of my social work. thing. You know,I'm always a planner ahead to make sure everything's going the way it needs to. So yeah, it's,

Rick Ripma: 7:30

I just think what you've done is fascinating. And I know how much that has to help your clientele today because of the knowledge and experiences experiences that you've had. So you get into real estate. And how did you get going? Because it is not an easy job to jump into. People don't just Oh,you're in real estate now. Can I buy a house? Right? That's not how it works.

Summer Hudson: 7:54

Yeah, it was challenging because I'm not from Indianapolis. I was actually I'd only been in Indianapolis, I think two years beforehand. So I didn't really have a network. I didn't have a sphere. I didn't have people that I grew up with around me. And it was kind of like, what do I do now. So at the time, my mentor, the brokerage that I joined was a boutique brokerage. She gave me my first couple of leads, that were smaller deals that she was like, get your feet wet. And then I heavily hit social media because I didn't have the ability to network with people I knew I didn't know anybody. So first, it started with Facebook.Making sure I commented on the neighborhood page all the time,being accessible, being informative for them. Then I slowly got onto Instagram. And then I started joining clubs that were of interest for me because I wanted to make new friends anyway, right. And then,you know, my social media kind of took off and gave me a brand and it just, every year I doubled and doubled and it just kept getting bigger and bigger.And it was fascinating to watch because I just sat back like holy I even sit back sometimes like holy cow. I went from knowing no one to having a really great business. So

Rick Ripma: 9:04

what am I here that that when your husband goes to restaurants like Dr. I hear that? They know him Is your husband?

Summer Hudson: 9:13

Yes. He actually doesn't have an identity. He's just summer's husband. Yeah, he has no name.

Ian Arnold: 9:18

So you're talking about your brand? Yes. So what is your brand and I know you got a little motto. So what is your brand?

Summer Hudson: 9:26

I am not your polyester blazer real estate agent. So I I feel like I am kind of the person who you you get what you see. I'm always honest, I'm always open and I am authentically myself. And I hope that it's kind of Your vibe attracts your tribe kind of thing. Like I feel like the people that also can relate to not wanting to be stuffy blazer corporate. I'm your person. I'm laid back. I'm genuinely happy and I try to make humor in everything that I do. And I just want to be relaxed. I just want to enjoy my life and I hope that that attract people that feel the same.

Ian Arnold: 10:02

Yep. And then so what is written on the back of your car, find a

Summer Hudson: 10:06

lot to love that come around, oh my gosh, I was on Facebook and it was the middle of the night and I saw this little ad that was like your business could use a you know, little bump and put put your advertising on your car.And I was like, That's great ideal put my advertising on the back of my car, hoping that and I also have to be careful about how I drive. But But yeah, I put my, my, my little hashtag or my it's the my handle on the back of my car. So when I'm driving,hopefully people go what is that? And they'll look it up.

Rick Ripma: 10:37

So that's your hashtags. So for those of us who are very knowledgeable in social media, what does that mean?

Summer Hudson: 10:44

So it's a way to be able to find or locate what you're looking for within a certain platform. So you can go on into mainly it's Instagram or Tiktok. They use hashtags to be able to say like, this is what the content is about or who I'm looking for.

Rick Ripma: 10:59

So if I was going to look you up, how would I so I just type you into a search and Instagram,

Summer Hudson: 11:06

Instagram,they'll search for final act of love. Yep. And it'll pop right up. Same with Tik Tok. Same with Facebook. It's all cross thread.Same on threads. Same on Snapchat, Twitter, Tiktok. Me all the easiest way to find Yes,it's all.

Rick Ripma: 11:20

Yes. Okay. And that's why you have it on the back of your car. Yes. And you hope people that are not that are better than me at social media getting to understand what it means.

Summer Hudson: 11:30

Yes, yes.Hopefully.

Rick Ripma: 11:31

I do take like, if I was driving behind you, I might go I want to know what that is.I'll take a picture so I can remember.

Summer Hudson: 11:37

Yeah, remember it?

Rick Ripma: 11:38

Yeah. Yep. So how would other than find a lot? A lot? A lot of love? How would somebody get a hold of you if they have any real estate needs buying and selling?

Summer Hudson: 11:50

My cell phone number is uh, you can always shoot me a text message. The numbers 317-622-6575 That's317-622-6575 I feel like that's probably the easiest because everybody uses their cell phone.Hopefully these days. You can also try just find a lot to love.com

Rick Ripma: 12:11

Yeah, that's a find a lot to love.com or on any social media.

Summer Hudson: 12:15

Any social media.Yeah, it's

Rick Ripma: 12:16

all the same across all they're gonna do is remember find a lot of love. Yes, that's it. Find a lot of love. Just find the last one that doesn't seem that hard to remember. No.

Ian Arnold: 12:25

Why do you think she did it?

Rick Ripma: 12:28

Because it was late at night. She was looking?

Summer Hudson: 12:30

No, yeah, laying there. What am I going to do?Well,

Ian Arnold: 12:33

here, how about this? What's your tagline?

Rick Ripma: 12:37

The hard work and mortgage guy. See how hard is out? Yeah, well, I have to have a marketing company come up with

Summer Hudson: 12:44

it did a good job though. They

Rick Ripma: 12:47

interviewed me you know, we're talking and they come back the next day and they go as you need hard work and mortgage guy. I like it. Yeah.That's that resonated with me.Yeah, absolutely. Yeah. So we all got to do what resonates?Right? It's right. Yep. And to get a hold of Ian and I you can go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. Or you can give me a me or Ian. Ian doesn't want he wants to call too. So go ahead and give us a call. 317-672-1938 that's317-672-1938 and thank you for watching in these real estate gurus are listening. The gurus we interview share valuable insights they reveal their strengths, personalities and how that work for you. Well, we hardworking mortgage guys secure your best mortgage real estate gurus work hard to. They avoid problems the amateurs don't see they listen. And 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: 13:44

Alright, so we're so we're gonna ask you some hard questions here. Oh, no. The first one is going to be if I take away your phone for 24hours, not work. Cannot be on social media. I know.

Summer Hudson: 13:59

I'm already in pain. I'm already having anxiety.

Ian Arnold: 14:04

What did we catch you doing for fun?

Summer Hudson: 14:06

Hanging out with my toddler. I have a four year old and man she is busy, busy,busy. So if I unplug it's usually to hang out with my husband and my kid. And whatever she wants to do, whether that's go to Sky Zone and jump every just every inch of her energy out, going to the zoo, just just hanging out with my kid. So I'm super easy to please as long as I'm hanging out with my family.I'm pretty good.

Rick Ripma: 14:30

A four year old you want them out there jumping around.

Summer Hudson: 14:32

Oh my god, that energy. I'm so tired. I don't know how I wish you could just bottle up their energy because it never seems to be ending.It's crazy. So oh well,

Ian Arnold: 14:44

since you put them in a car and go for a 10 minute drive. You watch that energy sucked all out in their score.

Summer Hudson: 14:50

Yes, car naps are the best. I have done several car naps where she's been like screaming and crazy. And I'm like let's go for a ride just so I can make phone calls. cuz I'm like, oh my god sleep in the back.

Rick Ripma: 15:02

So what we're getting here is you go for a drive to make phone calls. I we weren't really supposed to use our phones. No. Bluetooth? Yeah,I do like Bluetooth today it is phenomenal. It is. How old are your kids?

Ian Arnold: 15:16

Six and eight. Okay,so yeah, so you know. So now so what? They'll go from the stage of, oh, you can easily put them to sleep,

Summer Hudson: 15:23

then they'll stay awake. Oh, she's in the awake phase right now.

Ian Arnold: 15:26

Then my son is now eight. And now five minutes in a car. Right? He's putting himself to sleep. And I'm like, yes.That's

Summer Hudson: 15:35

awesome. I can't wait to get there. Yeah, we are asleep challenge in our house right now. But I think it's just she just has so much energy

Rick Ripma: 15:43

over 60 Then you put yourself to sleep? Yes. Yes,

Summer Hudson: 15:47

I will. Probably I won't even be in a car. I'll just be like, just leave me here.

Rick Ripma: 15:52

Well, you seem pretty energetic. Yeah, like you have a ton of energy.

Summer Hudson: 15:55

Yeah, I do. Well,I've asked you right now. Well,yeah, it's survival mode. Like closing psychosis, but it's a different like, I'm just you have to do what you

Rick Ripma: 16:03

got to do. Yes. And she always has had a lot of energy. Have you always had a lot of Yeah,

Summer Hudson: 16:07

I have. Yeah. I'm always held down to jobs or done something great. You know, your daughter got that? Yeah. So fortunately, it is. Yeah,absolutely. 100% Yeah.

Rick Ripma: 16:18

So what would you say your superpowers superpowers are?

Summer Hudson: 16:23

Oh, superpowers.Um, I would say getting to know people and understanding their needs. And, and really identifying I feel like because my jobs before, I had such a diverse population of people. I mean, addiction knows no bounds.Like, it doesn't matter, your class, your race, your status,anything. And so I've gotten to understand so many different cultures and lifestyles. And so I feel like I can pretty much go anywhere and leave with a friend. And I feel like that's my superpower.

Ian Arnold: 16:58

I think that's a huge superpower. Yes, you. You don't realize, if you're not in sales, you don't realize what type of people you can talk to.And you know, the variety. So I grew up in the country, poor people, all that stuff saying to move up here now I'm in a big city, everything so I can like it. When I was selling cars.Some hillbilly looking guy came in overalls, and two, were selling BMWs Ferrari. He walks in and I go, I'll take care of him. Yeah. I can hit him to the bone and be like, Alright, let's go really fast.

Summer Hudson: 17:35

Yes, yes,exactly. Yeah, exactly.

Rick Ripma: 17:39

So he has a hillbilly.

Ian Arnold: 17:42

It's what it is.

Summer Hudson: 17:43

Yeah. Yeah. It's the same kind of thing. Like, I just feel like, I'm really good at. I know what my looks exterior looks might be different for people. But I feel like by the end of the conversation, we're all on the same page. And we're having a great time. And

Rick Ripma: 17:58

yeah, you know, the thing is 25 years ago, I would agree with you today.

Summer Hudson: 18:06

Yeah, that's yeah, it's changed a little bit.

Rick Ripma: 18:08

It's amazing to me how it's changed. Because you go in, you go into a restaurant today you go into almost anywhere. And what used to be look at that person is just normal. Nobody cares. Yeah, it's true. It's just nobody, nobody.I have always been one. It probably because of my dad. My dad was this way. He judged people on them. Yeah. didn't care about anything else. He judged on them. And he would be he would be furious with people if they started to judge somebody because of any other anything, everything. Yeah. And so for me, it's just like, I don't care. Yeah. But if that if you are not friendly and nice and a wonderful person like you are, then I wouldn't

Summer Hudson: 18:51

be a problem.Yeah, absolutely. Yeah. When I got my first I got my first tattoo, my mom sobbed. Oh, my God, you're never gonna find a job. You're gonna be homeless,like she just fell out. Your,you know, my brother got a tattoo two weeks later. Oh, it's wonderful. It's so nice looking.And I was like, Are you kidding me? And she was like, Well,you're a woman. It's different.When a woman's tattooed. It looks bad. And, and so, you know, for a long time I struggled with that idea,especially when I first started real estate because you see things like selling sunset and two chicks and a hammer, you see, you know, these beautiful people that don't have tattoos that look like they come from money and you, you get this imposter syndrome. And so when I first started, I thought, oh,man, I've got to wear long sleeves, even if it's not a blazer or at least long sleeves and kind of keep myself tucked away until I find out if they'll be okay with it. And then I don't know if it was having a kid and being in survival mode.I just got to I was like, Screw it. This is who I am. And I'm I'm authentically myself and I hope you like me for me. Same same thought process.

Ian Arnold: 19:54

Well, I think that's actually transcended multiple companies. Yeah, because I used to run blockbusters when I For starters, I used to work at Blackbaud. Oh, that's awesome.Well, I started in like 2002,

Summer Hudson: 20:09

probably when about 2090 99, something like that.

Ian Arnold: 20:13

So when I started,you couldn't have you cannot show tattoos. Yeah, to cover them up. So there was guys our work during the summer had to wear long sleeves. Yeah, you couldn't have piercings unless you were girls that had band aids over their ears or something, which looks much worse. But then within a few years, you wash it all. Switch over, and they're like, Oh, you can show this. You can do that,you know. So I actually watched it started happening. And then you started watching waiters,you started watching hostesses.And then you started seeing it in the companies and you see a guy in a suit, and then next to Wall Street, and you're like,This is not normal. I mean,yeah,

Summer Hudson: 20:50

it's it's normal.It is. Yeah. Yeah.

Ian Arnold: 20:54

It was interesting seeing that switch.

Rick Ripma: 20:56

I mean, I shouldn't say nobody cares, because there are people who still care. Yeah,there are Yeah, but not most people don't. Yeah. And it's,and you should judge people on them, not on

Summer Hudson: 21:05

how they look.Yeah. And honestly, I have also come to the conclusion that if,if somebody is not choosing me because of that, I don't want to be around them anyway. They probably thought they're not.Yeah, they're not my tribe. No,thank you. You know,

Unknown: 21:20

they're the psychos.Yeah.

Rick Ripma: 21:24

Yeah, it is. How many customers can you actually help? You know, it's like, we all try to chase these huge groups. And the reality is, if you had 500 customers a year,could you even keep up? Yeah,no, you don't need that many,you know,

Summer Hudson: 21:38

right. Yeah,that's what most people start teams.

Rick Ripma: 21:41

Find the people that you enjoy the be with. For me,that's, I really have. I didn't always understand that. I now understand. Just find the people that you enjoy being with.That's yeah, there's absolutely.Enjoy that.

Summer Hudson: 21:54

Yeah. Well, you know, it's crazy. And this is kind of a loop back around the social media. Tik Tok. A lot of people were like, Oh, the algorithms and they're watching what you're doing. They are and they've been doing it. If you own a cell phone or watching what you're doing doesn't matter. And so I started to recognize the power of even tick tock, let's say specifically,because it matches you with likeness. So like your tick tock is curated to see what you like.So if you like watching recipes,or you like watching people clean their carpets, or whatever weird stuff you like to watch,it will continually show you those things. And what I've realized is the more I show up is authentically myself. The more I share things that I love,the more the algorithm starts to weed out the people that are not like minded and all of my clients that I have been getting from Tiktok 100%, I'd hang out with them. Anyway, like they've all ended up being people that I just immediately click with, and we have same interests and talking to them is so much easier, because tiktoks Already weeded out the people that we don't align with. So that's been the craziest thing I've taken from social media. So,

Rick Ripma: 22:59

you know, like you said, I have a friend who if, if we have our, I don't even echo.Okay, and he comes over. He wants us to unplug it, right?Yeah. He's carrying two phones.

Summer Hudson: 23:11

Yeah, he's already toast. That's

Rick Ripma: 23:12

what you're thinking. When I get in my car in the morning, okay. On during the week. Today, it told me how far it was to where I go workout on Monday, knew where I was going Saturday, which I don't, I didn't think I always went to the same place. But Saturday, I got my car and it said, it's it's seven minutes to Costco.Yeah, Saturday morning, I tend to go get gas at Costco. Yeah.They know what you're doing. But it's an algorithm. Yeah, like that. He's all worried. I don't worry about some algorithm. It's trying to actually to help us out. And I'm trying to help them out to this. Isn't that convenient, though, to be able to look at somebody somebody look at and go, okay, this person is like me, and I'm interested in what they're saying, rather than somebody you're not interested in? Yeah,

Summer Hudson: 24:03

absolutely. I mean, I think it's a slippery slope. It's kind of both, you know, I think it's kind of sad,because you're not getting different opinions. You know,you're kind of starting to cluster yourself with like minded people. So you don't really see other thoughts,processes or other cultures. I do think that it is a slippery slope. But by and large, the positive part of it definitely is that it's aligning you with people that you probably have a lot of interests with. So

Rick Ripma: 24:26

Well, that's good that you want to have other people that you may have different, because I think it's vitally important that there's communication. Yeah. And I think that's one thing our societies kind of losing is the communication because I don't agree with them. I'm not going to listen. And what I found is there's people that I've learned tons from Yeah, that I didn't like, yeah. And I didn't like most of what they did in their life, but in a certain area,they had expertise that was valuable. Yep,

Summer Hudson: 24:52

absolutely. Yeah.And I you know, I even listen on Tik Tok to people that I don't enjoy, which sounds really weird, but I feel Like I get,being able to understand people is knowing all the different types, you know what I mean? And I feel like, and maybe that's just that part of my brain that enjoys learning other cultures and other thought processes. So,yeah, I think it's a, I wish more people did it, honestly.

Ian Arnold: 25:17

So now I'm kind of curious on your Tiktok, what's your post like

Summer Hudson: 25:22

God, oh, my, what do I post I like the stuff that I post. So, initially, you know,COVID hit everybody pretty hard.But the real estate market was still thriving. And we were told to bad and you still got to do your job because we didn't want to market collapse. And at the time, everything was shut down other than our real estate stuff. I had my infant at the time because she was she was a COVID. Baby, she was only like a month or two old. And I was like, God, what a what am I going to do? And I looked at tick tock, and I thought, well,it can't hurt. I'm going to tour give people something to watch.So I used to do Facebook Lives where when I was doing open houses, I would show the inside of the house and be like, if you can't make it to the open house,come watch my life. It did really well. And I thought,Well, why don't I take that principle, dump it on tick tock,and see what happens. Maybe nobody watches. And so a lot of my content is House tours.Initially, I just tick tock houses that I thought were cool.Because I didn't nobody was watching me. At the time, nobody was watching me. And then more people started watching and more people were like, wow, we really like that you're posting these funky houses. So now my niche is unique or architecturally different homes. So, you know,I'll do new builds, I'll do whatever house but I really I love doing mid centuries or, you know, a really cool Victorian something that's got some history to it. So I'm my strength is like historical properties or unique properties.

Ian Arnold: 26:53

So now since you opened that can of worms, I gotta ask this question. Yeah,what's the most what's the best one you think you've done? Well,most has has a history.

Summer Hudson: 27:04

Um, so I mean,there's been a couple of mid centuries that I've talked, one of them went viral, and it was3.5 million views. Yeah, it was I blinked. Matt, what's his name Matt McLaughlin. He gave me permission. He was like, I don't know why you would do this. And I was like, Can I just try? And he called me like two days later. And he was like, Oh, my God. He was like, I people were wrecking, like, telling me I saw your property on Tiktok. And he was like, This is crazy. And so he was like, you have my permission to Tiktok any of my properties as long as long as the seller is cool with it. And so I ended up talking to a lot of his properties, too, because he does. He's also kind of niched into historic properties as well. But yeah, I had one other my very first viral video was, I went out to New Castle,and it was a client of mine. She was like, I'm kind of like this farmhouse. And I'm like, Girl,I'm not trying to get murdered in a cornfield.

Unknown: 28:01

And so no stereotypical here.

Summer Hudson: 28:04

It was like a house in the middle of nowhere.And I was like, Okay, let's,let's go. And it was a really old, like, 1800s style colonial house. And it had, I don't know if anybody believes in ghosts,or whatever it it felt weird.Like, it was a weird house. And so I added some spooky music behind the video. And we were cutting up and talking about the property. And I posted it thinking, I only had like, 15followers at the time, I woke up and it had almost a million views. And I had like, 8000followers overnight. And I was like, Oh, my God. And I was like, Okay, this was the vid like, I need to keep doing this.And so that one video was what kind of kept me going.

Rick Ripma: 28:44

What was your first clue that you should keep doing it? Wait,

Summer Hudson: 28:47

wait, yeah, I was like, wow. And then the amount of commentary, just, you know,and just from that video, I had three people reach out to me the very next day that said, Hey, I saw that house. My parents were looking in that area. Is the house gone, and they had already sold like it was in multiple offers, because it was a crazy market. And it was wild. I was like three people just called me from that one house. And so that's where it all started,honestly. Yeah. Yeah.

Rick Ripma: 29:15

And you had how many8000? Yeah, it was

Summer Hudson: 29:19

like 1000followers overnight. I blinked and I was like, oh my, oh my god, people actually watch that crap. Like, okay,

Rick Ripma: 29:25

so how are they? How many followers do you have today?

Summer Hudson: 29:29

Almost 117,000.

Unknown: 29:30

That's it. Yeah.

Summer Hudson: 29:33

It is a lot and it's, it's changed my business completely and fast. It was very fast. I wasn't quite prepared.But yeah, it's been really great. It's for a real estate agent. I highly advise to try because the leads I get from that are awesome, and they're ready to

Rick Ripma: 29:52

go. Sounds like tick tock is a big is a big piece of it.

Summer Hudson: 29:56

It is also Instagram reels. I feel like we're in it is what it is.Technology is always advancing.And I feel like video is kind of coming in, and the old school way of door knocking and stuff like that. I think because of COVID. People don't want you to touch them. They don't want you to come to their house. They want that privacy. They don't want you to call them and just be like you I don't know who you are. So I feel like video content is kind of where it's growing. So anything on Instagram reels tick tock, that kind of thing. But

Rick Ripma: 30:28

we're seeing great,not your great results. Great results. On YouTube show.

Summer Hudson: 30:34

Yes, you're seeing that? Yes. I think I'm too tired. But if I if I had the energy and the time YouTube shorts would absolutely be where I go next. It pays content creators better the exposures a little better. YouTube is doing better at marketing themselves.I think Tik Tok had that struggle with you know, there's a legal battle there for a little bit about our data. So people were like, Oh, I don't know about tic tock. And for a while there's a large portion of people that still think tic TOCs for kids. And I think YouTube shorts is kind of a safer landing spot for people that are like, I want to watch video, but I don't want to watch tick tock.So yeah,

Ian Arnold: 31:14

but let me ask you this. So if somebody is wanting to be part of your followers, or they have questions about buying or selling a home, yeah, how long have you had contact with you?

Summer Hudson: 31:22

So I have through trial and error. I have actually on my Instagram, my Tiktok all across all my social media platforms. There's a link in my bio, that when you click that link, it immediately takes you to a button that ask are you a buyer or your seller? And then once you click that button, you put your info in, it sends an email to my admin and to me and a text message to me, and I immediately call you

Rick Ripma: 31:49

Wow, and how do they get to that link? They go, so do you on Instagram or anywhere?How do they do that?

Summer Hudson: 31:56

So if you just go to Tik Tok, or if you go to Instagram, and then you pull up my name that in the search bar the Find a lot to love, then you're going to see my profile and the link is right there. You can't miss it.

Rick Ripma: 32:07

Oh, see, I misread it. Find a lot to love.

Summer Hudson: 32:11

Yes, fine. A lot to love. Okay. It looks like it looks like the word lotto in the middle. Yeah, that's fine. A lot of it. I

Rick Ripma: 32:19

thought I thought I liked it. Yeah,

Summer Hudson: 32:21

I like the lotto too. Yeah. It's fine. A lot to love.

Ian Arnold: 32:26

Like, you can swap your way it goes. That's

Summer Hudson: 32:29

right. That doesn't make sure it looks like the word lotto in the middle.

Rick Ripma: 32:33

And to get a hold of enter, I go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. Or you can go or you can give us a call at 31767 to 1938. That's31767 to 1938. I was trying to think of our handles on Instagram. I think it is hard working. Hard working mortgage guy just put our name in there and you can find us. Yes, it's

Summer Hudson: 32:56

just that easy.learned something today. Yes.

Rick Ripma: 32:58

I feel good about myself. You should

Ian Arnold: 33:01

you just tag on yourself on everything. Yeah,now you're gonna put it on your car. No. I'll have my kids out there Mark later.

Rick Ripma: 33:11

I drive a white Chevette so you see a white shirt that driving like crazy.That's why not me.

Ian Arnold: 33:19

What he doesn't realize is I've already posted pictures of his car. Yep. All right. So now we'll get into the question of the week. And the question of the week is sponsored by Hey, Rick, and I have a hard working mortgage guys, where we believe in helping and supporting you and your realtor by sending constant updates on your loan process.Even while we're doing our show.We'll send you an update. All right, so Well, here's your question. What was your first car?

Summer Hudson: 33:43

Oh my god. A Mazda RX seven. Wow. Yes. i My dad was like, please don't do this. I had a rotary engine. I think it died. It caught fire.Actually, when I was driving on the street. My dad was like,we're done with this. We that was a ad. I can't remember what year it was. There was a Mazda RX seven. There's you get the fire out. And yes, we did. But it it never lived through that.It was dead after that. Oh,really? Yeah. It was toast that

Ian Arnold: 34:15

the rotary engine sounds nice. Yeah, it was uh,but it was horrendous. Yeah. I mean, they flood all the time.You gotta get them towed. Yeah.And then, which is interesting in my grandfather worked for Ford. They told him to take a rotary engine home. So he had one in his garage, and he had a look at it and tell them whether they should do it or not. He's like, No, and whatsoever immediately Don't touch this.Yeah, there

Summer Hudson: 34:38

was one guy in my small town that did rotary engines, and he cost a fortune.So my dad bought me. You know,this used to be the books that teach you about that specific car. They sell him an auto shop,the most like for Dummies, but you know, he bought me one of those and he put it on the table and he was like, we're done.You're gonna figure this out.And so it turns out actually, if anybody has a Mazda RX seven rotary engine, oh, you do is pull the spark plug in that spark plug the fuse, you pull the fuse for your gas out and put it back in and it will stop the flooding of your car. Yep,yeah. And then your car burns down. Yeah. And then your car breaks down. Yeah, yeah. Yeah.But yeah, it uh, it was a challenge. It was. I mean, it was a fun car. It was cool at the time. And I have a love for it. Like when I see I've seen maybe two in my lifetime since since then. Yeah, the

Ian Arnold: 35:25

popular one that was besides that one was the RX eight. And that's the one because it was lower price. It sold a lot more. But yeah, it'd be in the car industry. I'd watched so many people flood those. Yeah,

Summer Hudson: 35:37

it was it was a great car. But I had no business my show to listen to my dad. I think we bought it for like $800or something at the time. But it was my first car and I mean, I love drove it to death. Yeah.And yeah, literally saucepot your heart? It does. Yeah,

Rick Ripma: 35:51

that's what happens with cars like that. Yeah, it just does.

Ian Arnold: 35:55

Alright, so I know,we've heard some stories. I like to hear more. Okay, so what do you think your most memorable deal was?

Summer Hudson: 36:02

Oh, man. I have so many good ones. It's so hard for us to Okay. So I had one where we went to look at a property the client and I he wanted to do a new build. At the time, you know, it's just like,oh, within framing, they were framing a whole neighborhood. So we showed up. It was in framing the back of the house faced one of the lakes, it was beautiful.The garage was a side loading garage. And there were some bricks out front. Thankfully, I do everything an email or text message. So I can always track it. I sent an email to the agent and said, hey, just want to make sure that the bricks out front,or is that the color of the house that it's going to be? He said, Yep, absolutely. I said,and just making sure that is a side loading garage. He said,Yep, absolutely. put in an offer, send it in, they accepted it. It got built the most time for inspection. And the inspector sends us a picture of the front on the report. And I'm like that that's a front loading garage. What the builder built the entire wrong house, they had the property under contract for a completely different house completely different lot. Wasn't facing a lake, nothing. And my buyer was like, that's not my house. And I was like, wait, I was like this Isn't this how I lose my license, I'm gonna get sued, never have a dime left. It was awful. But it turned out that they put the wrong like the lot number was incorrect. And so it all got switched around, and they just built the wrong house.But my clients wife was nine months pregnant. And she was like, I am not birthing this baby homeless. We will close on the house. So we actually they accepted the house. And they moved into it. I keep in contact with them, because I know they're going to probably sell it and get something different.But that was the one that I just thought, Oh my God. But it was a learning experience for me. Now I when I do new builds, I'm like, I double triple check. I mean, I go out to the property constantly. Is this the right one? I do not take it for face value anymore.

Rick Ripma: 37:59

I spent 11 years with a new home builder. And I can tell you we've helped 1000s of homes. I have never heard of that. Yeah, they have just a bizarre weird thing.

Summer Hudson: 38:11

I'm telling you the Panic was real when he when I when we all realize what had happened. I mean, I they even knew, I think that they had messed up too, because immediately they're like, well give me your earnest money back.We'll let you walk in a you know, builders are usually like keeping this because it's your mistake. They were immediately like notetaker you can leave peacefully, just exit. Yeah,literally. Yeah. And so I was just kind of like, well, what do you guys want to do? They're willing to let you walk and get your money back. And they were like, Nope, we're nine months pregnant. We don't we can't do this again. And it worked out. I mean, so but yeah, that was the craziest. For sure. I was toast.

Ian Arnold: 38:46

So you probably had a lot on the negotiating table.You're like, hey, so we want this and we,

Summer Hudson: 38:51

man? Well, we did we we just we did we ended up kind of leveraging that a little bit with some of the other things that they had going on in the house that we were working through. But man that was a that put some hair on my chest. Like this is it for me. So yeah, that was probably my most like panic stricken I've ever been.

Rick Ripma: 39:12

But they were freaking out the builder. Yeah,he's freaking out too. That would if I was if I was working at the builder at the time, I think that would have rippled through the entire company and everybody would have been freaking out. Yeah. And it would have been a

Summer Hudson: 39:24

and the only way I had proof was because I sent those emails saying side garage and the color of the bricks.That's the only thing that saved me. Because I hadn't we had no other proof otherwise, because the purchase agreement had the wrong lot in it like whatever it was. If I hadn't had that information, they would have been able to say like, oh, no,it's your fault. Okay, and so thankfully keep everything in email and tax. On tax having a written makes written is huge.Yeah.

Rick Ripma: 39:52

Otherwise it's just hearsay. Yeah, was there another story you wanted to tell can sound like you might have had multiple stories,

Summer Hudson: 39:58

great stories. I don't know if it's just because again, And Your vibe attracts your tribe and I have the craziest stuff kind of come up.I had one of my favorites. And I don't even think my client knows it's one of my favorites. But he reached out to me on Instagram and said, Hey, my credit score sucks. I really want to buy a house from my family. I don't know what to do. And I was like,well, listen, here's some things that you can do to help with your credit score. Here's a really great lender. Let me know if I can be of any help. I didn't hear from him again. I reached out a couple times. He was like working on it. And they all you know, you get a bunch of people that are like, Yeah, I'm working on it. And it's been 10years, you never know, right? A year and a half passed by, and I get a random phone call. And he's like, I'm ready. Let's go.And he had like, saved up and done all the things he was supposed to do, and just randomly called me and bought a house for him and his family and his kids. And, you know, great guy. And adjusts was like, Oh,wow, there are people who are really actually working in the background to get this dream done. So that kind of changed.My it was the first time I'd ever really seen somebody follow through. After all that time, I thought for sure. He never called me again. But there he was.

Ian Arnold: 40:59

It is very interesting, because I run on the same thing, because I help people build their credit up and everything. You'll tell them exactly what to do. And I tried to follow up every month be like, Hey, how's it going? Well,some people in like you said,Yeah, I'm working on it. Yep.Working on it. And you're like,Okay, no, you're not. But then I get other people that send me pictures. My credit score was480. Hey, now it's 650. And I get this good random picture.Yep. And it's just like clicking and they're like, and then like two months later, I get another one where they're in the six hundreds. And I was like, yeah,now you know what you're doing?

Summer Hudson: 41:28

Yeah, absolutely.Yeah, it was. It's one of my favorite like, I just seeing him really press hard for his family and like pulling it together so that he could buy a house. And he, and he was smart, because he bought right before it got crazy. So I've actually thinking about reaching out to him and being like, Hey, this is the equity that you built, you know,just from making that smart move.

Rick Ripma: 41:49

So a couple things on that. Number one, I just want to make sure everybody knows don't try to do your credit yourself. There's way too many things involved in credit that you think makes common sense.But credit doesn't make common sense. So don't try to repair your own credit. Yeah. Talk with somebody, give us a call, do something, but don't try to do it yourself. But beyond that,one of the questions we like and I think it leads right into what you were talking about is, so what do you how much improvement in this this family's life was made by them being able to do that taken a year and a half?Yes, that's a pain, but a year and a half, and then they're able to buy a house? What buying a home? What does that mean?What does it do for a family?Financially, but not but mentally? Also?

Summer Hudson: 42:34

Yeah, I think,you know, I get I still follow him on social media heavily. And I watch you know, he has a son,he had a backyard for his kid,you know, he's not paying rent anymore. So they have some freedom to do what they want.You know, I think it helped with his the school district that they want to be in. And again,they've, he's now got equity in his house, for sure. I mean, he bought when it was, you know,the perfect time to buy. And if he wanted to sell that he would be sitting on quite a nice little nest egg there. So I think, you know, it's nice to see you provide for your family too. I think when you buy a house, it's it's a big deal.It's not something little, it takes a lot. So pride, you know,a lot of a lot of advantages.

Rick Ripma: 43:16

You're you're kind of an expert in six, you know,people's psyche, right? Yeah. So what does it do for them when they own a house? It has to,

Summer Hudson: 43:25

I think, well, I mean, I think it's hitting a milestone, I think, you know,people have put a lot of pressure on themselves to have certain things done by certain ages, you know, you gotta be married, you got to have kids,you got to have a house got to do all these things. And there's this societal pressure. And there's also an internal pressure. And I think being able to check off something like a house, that's a big financial deal. And I feel like people that buy houses do no matter if it's your first time or your fifth time, it's still something you deserve a pat on the back for because it's not easy. It takes a lot of mental gymnastics, you know, with your finances. So I'm sure he was I'm sure he's proud of himself. And he should be yes. Yeah, it should be.

Ian Arnold: 44:04

Yeah. So I will say this. Nobody patted me on the back when I bought my house. So man,

Summer Hudson: 44:11

Pat, you on the back. I bought a house, my first house at 23. And I should have listened to my parents because they're like, don't do it. And I was like, I'm, I'm bigger than the blah, blah, I'm gonna do this and then the market crash.So I got I got what I deserved.But but in the end, even with the market crashed 10 years later, I sold it. Yeah, but you hold on to it.

Ian Arnold: 44:31

It all turns around.Yeah. I mean, my wife and I,we've had this conversation, and I'm four years old to her. And I'm like, well, because we didn't get married till I was22. I'm like, I should have bought one right out of college.Even if like my mindset was, oh,I don't want one just because my wife's gonna want something totally different whenever I find my wife. Yeah. And but I should have done it because then I would have the equity. Yeah,even if let's say if it was in a downturn. I kept it for a couple of a few years till the downturn turned around. Yeah, I would have been so much more positive.You increase more than you do investing in stocks. And when you're young, you don't have that much money invest in stocks anyways. Yeah, but if you can do a home, you're getting that equity.

Summer Hudson: 45:12

Yeah, absolutely.I, my parents didn't understand at the time, and I honestly didn't understand it at the time, but I just wanted some independence. And I thought, you know, this is a way to build some wealth. And that's what I did. So impressive at 23. You were able to buy a house? Yeah,it was I it was almost a blur.That's to be honest. But I did a grant there was a grant that they had in Florida, where I'm from that allowed first time homebuyers. It was a big grant.It ended up being in a lawsuit,though, because the grant really hurt a bunch of people.

Ian Arnold: 45:45

Yeah, those elderly people can't go to there and buy a home. I know. Right?

Summer Hudson: 45:48

It Well, it was.It was actually really a predatory grants. And so, which is why I ended up upside down with it. And the grant was the wording and it was really strong that you couldn't get out of it.There was a lot of red tape and stuff. So by the time I sold it,I walked away with maybe only like, $15,000 profit from it.But I was happy to be like, I'm done. I'm out, you know.

Ian Arnold: 46:11

So I mean, but even let's say you break and Rick and I say this, say if you rent or buy a home for 10 years straight. If you break even after that 10 years after you bought a home, you're more you're basically you you're at zero, right? Yeah, there's no if you were to do that on a rent,you're out 10 years or 10

Summer Hudson: 46:30

years of rent forever and ever. Yep. Yeah, I was just having a conversation with a buyer this morning. And I said, you know, if you're because she's like, well, the rates just keep going up. And I said, Listen, it's that you're paying 100% interest for your mortgage for somebody else. And I was like, so it doesn't matter what the interest rates are. I'm like, at the end of the day,you're paying 100% of someone else's interest and mortgage.

Rick Ripma: 46:50

It's I think it's interesting that that's what people focus on. When they didn't focus on the fact that they were paying $100,000 More than the list price for a home.

Summer Hudson: 46:57

Yeah, yeah. I know. It's it's wild to me czar,but

Rick Ripma: 47:01

it's how we are, I guess, well, I

Summer Hudson: 47:03

think people,there's some weird, I don't know what's happened to people,because I feel like, I'm 42. And so when I bought my house at 23,my interest rate was 9%. And that was the national average was like 8% is, I think, seven to 8%, I think is what I've read has been always the national average. And so people are under not understanding the anomaly was the 3% and 2%. It's not the7%. Everyone's like, oh,interest rates are so high. And it's like, no, actually, they're going back to normal. The weirdness was the low interest rate. And I don't know that we'll see that again. Maybe we do. Who knows? But I'm like the I wouldn't plan on it. That was a wild, the Wild West.

Rick Ripma: 47:43

You don't plan on it. Because record low. We've never seen it. We've never seen it before. So you don't plan on the weird things to happen more again, you can happen, of course, but I guess it's kind of like 100 year flood, you know,Yeah, mine was supposed to happen once every 100 years.Yeah. And

Summer Hudson: 48:01

you know, my parents paid 18% interest when they bought in the 90s. I'm like, listen, y'all seven 6%jump on it still, because it's just it's only going to go up at some point. I mean, you know,and of course they do the whole what does it marry the house day three, whatever, you know, you can do the refinance or whatever. But it's dropped

Rick Ripma: 48:17

the dollars refined.Yeah, really a win win. If you find if you buy today at the race car today. And rates go up.You got the lowest rate? Yeah,right. Right. if rates go down,you can refinance, right? So you can't lose. Yeah, it just changes what you can afford.Yeah.

Summer Hudson: 48:33

And it's, and I'm always trying to educate my buyers like, listen, it's I know, you feel like it sucks than 6% This is great. Because you could be at 18%.

Ian Arnold: 48:44

So this is a great time to actually purchase. Yeah,what's the best way of being in contact with you?

Summer Hudson: 48:49

Oh, you can go to my Instagram my Tik Tok and find a lot to love, find a lot of love within the word lotto in the middle, or you can give me a call 317-622-6575 That's317-622-6575

Rick Ripma: 49:03

And to get a hold of Ian or I, go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you can call 317-672-1938. It's31767 to 1938. And please follow us for more indies real estate gurus

Ian Arnold: 49:17

and reminder. If you have any friends, family, co workers looking to buy, sell or refinance, let us know we'd be more than happy to help you.Hey, summer. Thank you for joining us today.

Summer Hudson: 49:25

Having me. You guys are fun. I love the stories. Have great stories.Yeah, got a lot of good storyteller. Yeah. Thank you.Thank you.

Announcer: 49:33

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