Guru Victoria Vickrey With Talk To Tucker

Announcer: 0:01

Advisors Mortgage Group is proud to present in these real estate gurus hosted by Rick Ripma and Ian Arnold, the hard working mortgage guys, please contact Rick and Ian for all of your mortgage needs at HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. Now here's the hard working mortgage guys, Rick Ripma and Ian Arnold.

Rick Ripma: 0:25

Hey, everyone, before we get started, I just wanted to remind you that for the most up to date information on mortgages, and in these real estate market, go to hard working mortgage guys.com That's hard working mortgage guys.com Hi, I'm Rick Ripma, the hardworking mortgage guy and I have the honor of working with over 5200 mortgage borrowers helping each one find the best mortgage option. As a certified mortgage planner. I know my team, and I can guide you through the process and help you every step of the way.

Ian Arnold: 0:54

And I'm Ian Arnold part of Rick's hard working mortgage team. And I have worked in the financial industry for 15 years helping people purchase what they want and working with them to build their credit and their overall wealth.

Rick Ripma: 1:06

And today, we are honored to talk with Indy's Real Estate Guru. Victoria Vickery. Did I say that right? Yeah. Thank you, her. Her passion for real estate happened with her, her her own first home buying experience, she was completely naive and unaware of what was going on. And what was going to happen, she partnered with a Homebuyer Assistance program that helped her with finances, credit scores and downpayment. She was hooked. Now, she wants to take what she has learned and apply it to your home buying process and help you get through that, that that process it can be challenging at times. Her greatest goal is to get lower income families out of renting and into owning their own homes. This is a long process, and she has the patience to get you through it. She is surrounded by a wealth of knowledge on her team. And she is always up to date. And she knows all the different which this is a big deal. She knows all the different assistance programs Indianapolis has to offer. A lot of people don't know even in the mortgage business, I don't think I know all of them. So it's really helpful if you have somebody who knows all the different assistance programs. Welcome. Appreciate it. Thank you. Thank you, Victoria. Victoria, I really do appreciate you joining us. And I really love your what you do the fact that you're really you're helping that that part of our market that is is very important to our market.

Victoria Vickrey: 2:35

Absolutely. Because it keeps building, it just keeps going and going and going. Yeah, providing opportunities for people.

Ian Arnold: 2:42

Yeah, I mean, the main thing, I think that's a huge thing is as you're talking to going through the first time homebuyers and all the programs, because when you're 2527 years old, and I think the average is 33 years, but when you're buying your first home, there's a lot that a lot of people just don't know or what people don't know what's available to

Victoria Vickrey: 3:05

absolutely, and especially with the assistance programs, and people are kind of weary about looking into those. But that's what they're there for is to provide you with that help and get you started.

Rick Ripma: 3:16

And those programs. So somebody's listening, listening, and they're going well, so So what are those programs do for the most part, what kind of programs are out there that what who do they help.

Victoria Vickrey: 3:26

And many times they help lower income families, they help people build their credit score, they help you teach financing, which is huge, because a lot of times people who are growing up and lower income families, they they don't know how to manage their finances. And that was one of the things that I learned immediately, and it helped tremendously. Because if you don't know how to manage your money, then you know it's hard to invest it, it's hard to keep track of it, it's hard to make it. And so those programs are very helpful for that. And then just assistance in itself. Many times they will help with your down payment or their help with closing fees or many things like that, to get you going or they'll help with the lower interest rate. Sometimes they can lock that in and just it's just very helpful to know what's out there and what's available for those people who just can't afford the 20% down, you know, 7% Interest Loans.

Rick Ripma: 4:19

Right. And it's huge because it gives, you know, somebody a lot of times what I find is not on all first time homebuyers, but so many first time homebuyers but it certainly is, is in some of the other markets that we're in where they it's hard to save the downpayment. So there's, there's payment assistance programs. And some of those programs give you enough not only for your down payment, but they actually will help cover your cost

Victoria Vickrey: 4:42

Yes, or the other lower, you know how much you need to bring to the table so then that helps in itself too. It's helpful in so many different ways not just giving you money. Yeah.

Rick Ripma: 4:53

So it's really important if I'm trying to make sure people understand if you have somebody or know of anybody or you're in the situation where If you need assistance to buy a house, but you want to buy a house, they should contact you.

Victoria Vickrey: 5:06

Absolutely, yes, reach out, let's see what we can get going, you know, the application process that typically takes about 45 days. And so people are get excited about wanting to get into it immediately. But apply, see what we can get in 45 days. And then you start working towards buying the house and just stay right on track with making sure that that gets done. And if somebody needs to get a hold of you, how would they do that? You can reach me at my website, talk to tucker.com/victoria, that Vickery V i c k r e, Y, or you can reach me on Facebook, Victoria, Vickery. Or also you can reach me by telephone 317-506-7458, What was that number? Again, 317-506-7458, you can text you can call, leave a voicemail message, I answer my phone all the time.

Rick Ripma: 5:54

Really, it is very helpful if you have somebody who knows all these programs and knows how to guide you through that. So if you have any, if anybody's out there, and they know of anybody, or they are in a situation where they could use these type of assistance programs, call her

Victoria Vickrey: 6:10

absolutely many times people are intimidated to reach out to a realtor, because they just think that this is a process that they are not able to, you know, achieve. But everybody can. Everybody can it's just a matter of time. And your effort and, you know, finding the right programs for you.

Rick Ripma: 6:27

It time is a big thing. Absolutely. It can take time, but most, you know, we find that almost everybody, like you said almost everybody can do it. They just have to get over the fact that, that maybe right now. And we've all lived life. So we know things happen in your life, we want to help you get to the point of being able to buy a home, it's really important. It's much more important than anything else is to help these people get to that point, because that's what matters. You want to having a home changes their lives. Absolutely,

Victoria Vickrey: 6:56

absolutely. I say it's kind of like a savings account. So every month you're paying your mortgage, you're putting money into something a great investment, that in the end, you're gonna get your money back, and then some. And so it's far better than renting. And it's just one step to get you going in your life to be able to achieve things that you like,

Rick Ripma: 7:15

helps you build wealth. There was a I think it was a lender that I met, he was out in the west. And they're they live they were in a small town. And this is what they what you're doing is what they were doing. It's that was their goal. And they came up with, they put together how much wealth each month, they were helping all these clients that they worked with build. Pete, and it was phenomenal. And because it was that was their whole thing is that's what they cared about. That's what they did. That's what their market was, but they kind of own the market, because they really were after just helping

Victoria Vickrey: 7:52

people. Yeah, right.

Ian Arnold: 7:55

Yeah, I mean, what people don't realize, and you mentioned it briefly is rent compared to make no mortgage payment. And there's a couple of things. I mean, let's just say you paid $1,000 a month for rent. And just so you know, that is cheap, right? Absolutely. So after one year, you spent 12 grand guess where that money went to somebody else's pocket did nothing for us to put a roof over your head. Now you take that, let's say your mortgage was $1,000 a month? Well, guess what you made $12,000 payment towards your mortgage. Okay, now some of that goes to interest or anything like that. So let's just say you knocked off $6,000. And let's put it that. So you bought a house for 100,000? Minus off? Six 6000, you're down to 94. Guess what? One that is your house. So guess what? Also, your house appreciates, mostly every year? Absolutely. So where are you? You might have bought it for 100, it might now be worth 110? Well, now you have 10,000 plus the 6000. You're paid to it. So that's $16,000 I'm sorry, that I'm helping you real wealth and maybe just a year?

Victoria Vickrey: 9:02

Absolutely. Absolutely. So I bought my first home eight years ago and paid $120,000 for it. And was so so excited. And at this point, it is probably the houses are selling around there for 235. And so just to think about the equity that has built in that house, and I don't want to move, I just want to keep getting it. I want to get that down to zero so that whenever I walk away, it's 100% this huge investment that I've made.

Rick Ripma: 9:31

Yeah. And it's all helping build your wealth. Absolutely. And that's what I think with what you concentrate on. That's really something that's important for people to understand is how it's really one of the best ways you can build wealth is by buying a home. And you know, once you buy a home and you're living there and you do that, if you can save up some money, you might even want to buy a rental property, you know, I mean, there's things you can do at that point to really change your life. I've known people that my very best friend his dad started buying rental property. And when hit when, when his dad, when when they sold the company. Now they started, they had nothing there were times when he had to sell his car in the winter to pay the the heat bill for his for his buildings. But when he saw it, when they sold it, it was worth millions and millions of dollars. And it was all almost all equity. Right? That's where it came from equity.

Victoria Vickrey: 10:25

And it's something that you need anyways, yes, you know, you're gonna pay for this anyway. So you might as well pay for it and let it grow with you instead of for somebody else. Yeah,

Rick Ripma: 10:34

exactly. I always I always tell people, because sometimes I think that it's hard to see what actually is doing for you. So you take a house and you let's say you just breakeven, let's say everything you paid and all that you just break even. That's all you do. But if you were there for years, and you were paying $1,000 a month in rent, if you broke even, you're still $48,000 ahead because you didn't pay that rent. Right? Right, you're still way ahead. It is remarkable. And that's not how it works. It actually you build equity. And as we all know, equity lately has been very good. Yes. Right. Our appreciation rates have been high. But it's really important. I just, I just think that that that's important. But to move on a little bit. What is your for your job? What's your favorite part of your job?

Victoria Vickrey: 11:25

That's a good question. I think the favorite, my favorite part of my job is just the variety that we're I'm not a nine to five kind of girl sitting at a desk. So I just like the fact that I'm out going places, meeting new people all the time, every single day is different. And it you know, you can plan your day. But I could get a phone call right now saying, hey, I want to go look at this house. And then all of a sudden, my day is different. And I like that I like the flexibility of it. I like the variety and everything that comes with it, and how you can just dabble into so many different things, not just sitting at a desk behind a computer.

Ian Arnold: 12:04

So what made you actually get into being a realtor?

Victoria Vickrey: 12:09

Well, I taught for 12 years, I have a master's degree in education. And then I started having babies. And once I started having babies it was do I send them to childcare? Or do I have people bring their children to me, and I absolutely love children. They're very, very fun. They keep you on your toes. And so I ran an at home daycare for seven years, while I took care of my children, I had three little ones there. So you know, the state would show up and half of the kids would be my biological children. And then I'd have you know, six other ones there. But that you can only withstand for so long. Because it's hard, hard work. It is very hard work. And so I was just thinking, in my mind, what can I do that is still going to be flexible for me to be with my family, but still provide a good income, and something that, you know, we can build our future with. And me buying my first home. I mean, there in itself was the equity. And you know, building that. And so I just thought, well, let's try real estate. And so right before the pandemic hit, it was the week before the pandemic hit, I started my schooling online. And then the pandemic hit. And I was just like, holy cow. This was a really good decision for me, because I ended up having to close my daycare, I have a two children who have congenital heart defects. And so, and we didn't know what COVID was, and so I just wanted to keep them safe. And so we closed immediately. And my whole family actually stayed home for an entire year, we had planned a trip to Hawaii for spring break. And instead of going we just used all that money for us to stay home. So it was like a vacation for a week in Hawaii or home with your family for a year and staying safe. I was like that was a good decision. And then once COVID kind of dissipated and I got my license. My kids all started school and so it's just been a wonderful transition. I miss all the kiddos I still in touch with most of my daycare kids in their families. But I'm very happy with the transition.

Rick Ripma: 14:19

Awesome. Now if somebody wanted to get a hold of you have any real estate questions are looking to buy their first home. You know, want to know about the programs out there for people? How would they get ahold of you?

Victoria Vickrey: 14:29

They can reach me on my website at WWW dot talk to tucker.com/victoria.vickery That's bi c k r e y or you can call or text 31750674

Rick Ripma: 14:42

Or five eight perfect and if you need to get a hold of the NRI it's hard working mortgage guys.com That's hard working mortgage guys.com And after the break, we will have the question of the week.

Unknown: 14:57

Advisors mortgage brokers licensed by Indiana Department of Financial institution equal housing opportunity. NMLS 33041 Rick Ripma NMLS 66489

Rick Ripma: 15:05

Hi, I'm Rick Ripma with the hard work and mortgage guys and advisors Mortgage Group where we believe delivering the best mortgage for you is why we exist and it's how we all succeed. We believe

Unknown: 15:14

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

Ian Arnold: 15:19

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

Unknown: 15:24

We believe in always presenting you with all your options. So you get the loan you want the way you want it. We believe in continually monitoring the rules, rates and market trends. So you don't have to we believe in working hard to meet your closing date so that your entire plan isn't upended. We believe in offering the same quick online process that the bookstore mortgage companies brag about whether you're refinancing or buying your first home, we believe

Rick Ripma: 15:48

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

Announcer: 16:00

Brought to you by advisors Mortgage Group, where we believe the more you know about financing a home the less stressful buying and refinancing will be.

Ian Arnold: 16:14

So now it's time for question a week. Question of the week is brought to you by advisors mortgage where we fit your mortgage to fit your needs. Contact us today to get your free mortgage plan, go to HardWorkingMortgageGuys.com. And if you need that perfect house, how will you get a hold of you?

Victoria Vickrey: 16:31

You can reach me on my website, www dot talk to tucker.com/victoria.vickery. That's V i c k r e y, or you can call our text at 317-506-7458.

Ian Arnold: 16:43

And if you did miss that number or anything go down to the description section on our podcast and all for information will be

Unknown: 16:52

now it's time for questions with the Guru's.

Ian Arnold: 17:02

Alright, so here's one of the hardest questions. What was your first car?

Victoria Vickrey: 17:06

My first car Her name was Ruby was a Ford Taurus. And you can assume that she was Maroon? She was one of my favorites. That was my first loan that I that I had. Yeah, absolutely. I had a cubicle job that I needed to get to there in the summer. Throughout college. I believe it was my junior year in college before I purchased my first car. But yeah, my first loan and then had that paid off and went on to you know, the next thing.

Rick Ripma: 17:37

Well, Ian, thanks that Toyota is the only car to buy. Yeah, that's a great car. But I had a I bought my son a a Taurus, when he was in high school. And it was a phenomenal car. It had it was inexpensive. And it had all the equipment. And it was safe. In fact, the school bus hit him. And he was he was fine, you know, totaled the car. But he was fine. Because it was a well built car. Yeah, that was a good car. And you it sounds like you loved it. Oh, I did. Yeah. It's funny how we fall in love with our Absolutely. Our first car. Yeah, we've had people. When others Well, her first car to get the air conditioner works. He had a roller window are the heat it was the heat roller window down. That defeats the purpose. That's kind of Yeah, thank you. How does that work? But it's kind of why we liked those cars. They're quirky. Yes to these first cars, people, they're they're they're quirky. This question, I asked a couple different ways, but what are you known for? Some people like it more as you know, what's your superpower?

Victoria Vickrey: 18:46

I would say I'm thinking about that question. I'm very involved in my community. My children go to little flower and I'm on the school commission there which is very similar to a school board. I'm the treasurer of the PPS, which is like the PTO. I attend the community Heights neighborhood association meetings as well as the Irvington neighborhood meetings, just very involved in the community. My home was featured in the Irvington garden tour last summer, and even though we're Asian, thank you, even though we're in community heights, and so I was super excited about that. Thank you Irvington for having us as part of your garden tour. That's awesome. So just different things within the community. We've recently hosted the district 14 Democratic candidate David Ray at our home. So just excuse me different things like that. In the community that it's not just me, it's my entire family that that serves.

Rick Ripma: 19:45

You're very committed to the community. Absolutely. Did you grew up there?

Victoria Vickrey: 19:50

I did. Yes. Yes. I grew up at 10th and Sherman. Okay. Yeah. So, and right now we live around 10th and Emerson, so we I didn't go too far. I I'm a tech high school grad, which I'm very proud of that. And very proud Eastside residents. With that being said, I don't just serve the East Side Community all over. So sometimes people get confused with my pride with the East Side thinking that that's all I do, but that certainly isn't. It's just where most of my knowledge is and where my heart is.

Rick Ripma: 20:21

Right. But you help you. It's not about you when you're selling real estate. No, it's about the client apps. Yes, you let and if they have questions on the side, you can answer material. You're a lifelong Indiana Indianapolis resident. Yes. Okay. Yes. Which means, you know, pretty much all of the areas you've seen it from, I mean, the changes that have happened in our

Victoria Vickrey: 20:41

in our area. Yeah, yeah, I'm very familiar with downtown because that was where my first job was playing at Hollywood. You know, in that fun? I'm very familiar with the South Side. I'm a Franklin College graduate. And very familiar with the north side, because I've worked up here many, many jobs. And so yeah, just all I've been all over. And so it makes it easy to know the the community. Yep.

Ian Arnold: 21:06

So what is one thing you learned, or a mistake, so to speak, that you wish you would have done differently when you first got into being a realtor?

Victoria Vickrey: 21:21

Well, I, I started on a team, because I was a bit, I had a little bit of self doubt that I was going to be able to come out of being in business on my own with a daycare for eight years. And I was just worried about my accountability and things like that. And it just wasn't a good fit for me. I actually that self doubt has dissipated, because I know that yes, I'm very self driven, and motivated. And so that was something that just wasn't necessary for me. And I feel like had I not done that my business would have projected much further faster. But I'm here now. And so I feel like that was one of the mistakes that I made. It just didn't work out.

Ian Arnold: 22:03

Yeah. But I mean, it's one of those things you're working, basically, let's say by yourself doing that on home, and then you go to a team. And sometimes that's, you're not used to that dynamic. Absolutely. I mean, there's parts where you can learn from some people, and that might have actually helped you out a little bit there. But yeah, sometimes when you're not used to it, and if there was a whole wrinkle in your plan, when you're thinking about it, you're like, Oh, I'm not used to working with only everybody, I'm used to by myself, which is awesome for you. Because some people are just not that way. Mean, which I think holds more for you, as you branched off by yourself is because you know what, you can work by yourself without having to other people there. Absolutely, yes,

Victoria Vickrey: 22:48

I'm very self motivated. I love love learning. And so it was just a point of, okay, I thought I needed this, but I really don't. And I'm able to take off and do things on my own. And I like the independence. I really, really liked the independent aisle, but

Rick Ripma: 23:03

it's a lot like a kid. Okay, and I don't know why this is what popped in my head. You have kids that can play on their own. They're perfectly happy playing on their own, they can entertain themselves. I had two of them like that. My oldest son, he could not do that. Right? He has to have a team around. Yeah, because he, so everybody's different. And I bet you are really good at playing by yourself. If my theory holds up, and I've had that theory for exactly about 20 seconds. Well, I was

Victoria Vickrey: 23:35

proud of myself for trying the team and just knowing Okay, these are what do I need, as I'm trying out this new career, and I knew support was it, I just didn't realize that I could find support in in many different ways. And now now I'm in my office, instead of on a team in my office has just really taken me in and helped tremendously. You know, I'm rather new. But some people think experience is something that's a necessity in a realtor and wallet is something that is great. You want somebody who has drive and motivation and wants to know, so if I don't know something, I'm gonna figure it out. I'm gonna go to my managers, I'm gonna go to other agents in my office and share my experiences and see what they can help me with. And so being on my own is not really being on my own. Right. Yeah, you

Rick Ripma: 24:26

still have support? Absolutely. A couple of things. I'd love to hear about your mentors. But one comment is, which I believe thoroughly I've talked about on the show before is there are people who've been in the business for 30 years but they've only learned a year they never repeat. They they don't have the drive and the interest and the love of what they do. So they do it but they don't really where are you? It's very obvious. You love what you did. Yeah. And you and obviously, with your background, you obviously also love to learn so Though you've put that that together and you've, and you've made it a career, and I'll tell you, I don't know if there's any studies on this, but I'll bet you 30% of the real estate agents or teachers, it seems to be a great learning ground to come into real estate. Absolutely.

Victoria Vickrey: 25:19

It helps you, you know, no people, it helps you with the organization skills, it helps you learning things that you don't know, necessarily. It's just it was a very great start for me, nation. Yeah. So who are your mentors now? Definitely. Alyssa Evans and Jennifer Butz, they're my two managers at the East office at fc Tucker. I can go to them anytime, for anything. And it's not just that they're managers for my career. But we're also friends. And so that helps tremendously to because they want me to succeed not just as an agent out of their office, but they want me to succeed as an as a friend. Oh, yeah. But But definitely, and they're so full of knowledge. And Alyssa Evans is very similar to me to where if she doesn't know something, it's not, you know, scary for her. It's, let me find that out for you. And so I feel like if I don't know, something, I know somebody who can help me figure that out. And so definitely, those two are my greatest mentors.

Rick Ripma: 26:19

That's awesome. My, I was talking to my son over the weekend. And we were talking about mentors, because he's, he, I've never really had mentors, I probably did. I just didn't realize it. And he said, Well, there's actually two types of mentors, you have vertical and horizontal. Because I never thought of, you know, like Ian as as a, you know, that he actually is,

Ian Arnold: 26:44

I'm a great mentor, just so everybody knows, I didn't say

Rick Ripma: 26:47

great. But I mean, it is you can have mentors. Like he says, some of my friends are my mentors, too. And some and but but he's, you know, hierarchy in the company, there are people that are higher than him that have had been in careers longer that he uses as mentors also. And then he's mentors for people, like he does a lot for IU, when kids are coming out, a lot of them contact him. So it's it is it's amazing mentors are are vital. I think today, we understand that more. We didn't when I was growing up, I didn't I mean, I just if I had him, I didn't know it. Just never never thought but it's really great that you that you embrace that. And you see that, and I know that that's helped your career immensely.

Victoria Vickrey: 27:28

You can't learn you can't experience everything. And so what you want to do is try to surround yourself with people who are experiencing the same kind of things that you are and that you can learn from their experiences. And while I have my own mentors, I love to mentor others. And I keep that that's just the teacher in me. And so any agent that has come into the office after me, I wrapped them under my wings, and I'm like, Alright, let's, let's share our experiences in those. I would say he's a vertical mentor, because we are on the same level. It's not a competition. I'm not trying to you know, outrun anybody. It's, you know, let's do this together because we can't experience everything

Announcer: 28:11

you're listening to in these real estate gurus with Rick Ripma and and Arnold to hear the conclusion of this interview, go to hardworking mortgage guys.com and hit the podcast tab. Branch NMLS. Number 33041. Rick Ripma NMLS. Number 664589. Ian Arnold's NMLS number is 1995469 equal housing opportunity, some restrictions apply?

Unknown: 28:34

Well, first off, thank you for joining us, Danielle. I appreciate it. And I just was curious, how did you come to find out about Rick Ripma and advisors mortgage? Well, I was looking for a mortgage for myself for a brand new home that I was building. And I wasn't sure the direction to go, I didn't have anybody in mind. So I kind of just spoke to whoever I could speak to. I got their number. And everything seemed to be exactly what I was looking for. So I went with them. The thing I liked the most about Rick and his advisors mortgage is that I could go and upload things online. And I didn't have to always be on the phone with them or sending them documents or trying to look for certain things that I needed to get the process going. Which was really great for me. I had a processor named Mark Coleman, who really helped me out in making sure I had everything I needed because I I didn't know the first thing about having a mortgage. So it was awesome to have so much help. I think probably what I've benefited from the most is really just the understanding that sometimes I would get busy and maybe I forgot to upload a document or I forgot to do a certain part of the process in a timely manner and they would get right back to me and it wasn't like a hey, we really need this right now. It was always Hey, just wanted to make sure you still remember that we need this. Well you don't get that too much in this day and age it seems like most people are either you know very demanding of something they need from You need it right now. And, and I agree, I've seen that in Rick's attitude with us over over the last 10 years that he's very patient, but also helpful to get the right things he needs. So, exactly. In conclusion is Rick Ripma and advisors mortgage, somebody that you would use in the future and or tell your friends and family about? Absolutely. And I just want to thank them for all the effort they put in to help me find my dream home.

Announcer: 30:25

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

Ian Arnold: 30:35

What key activities would you recommend for realtors invest their time in

Victoria Vickrey: 30:40

you have to reach out to clients, I kind of don't understand when agents are like I don't door knock, I don't cold call. And I understand that those are two very uncomfortable things at times, but you have to be uncomfortable, any open house that I do I do a 25 house hit and I and I knock on all of their doors. And I'm not necessarily asking them for business, I'm asking them to come to the open house and give me feedback. Because that is something that is necessary in those kinds of things. And then cold calls I do for sale by owners and expireds I'll just call them and a lot of times, I just want to know what happened in your transaction so that I can learn from that experience. Because oftentimes, they still are going to relist with the person that they were prior or anything like that. But like I had a discussion with a lady yesterday. And she's just like, Oh, it's just you know, our house is a little outdated. We are going to relist eventually, but we enjoyed our agent. But what I really liked about that conversation was that I learned, okay, this expired because of it was outdated, not because of some other, you know, some other reason, right?

Rick Ripma: 31:51

Yeah. That's it's important to do that in the calls. I mean, one of the things I have not heard of before, and I've done this a long time to somebody, and they're open house walking out walking around and, and knocking on the doors. I think that's brilliant. Because first of all, everybody in the neighborhood, sees a house go on the market. And they're all curious,

Victoria Vickrey: 32:15

all curious. And they all have their own ideas of what it's selling for and all of this. And so I make a nice little packet, and it has all the information so that there are no questions and and it also helps them give a you know, a little market analysis of what their house is worth. And you just never know what's going to come from that.

Rick Ripma: 32:33

And I never do it because I'm worried that I'm wasting that I don't want to waste that real estate agents time. I mean, because it's in the neighborhood. I just you're just curious, right? You're just you're just curious.

Victoria Vickrey: 32:43

I love those looky loos. And they'll even come in and say, Oh, I'm just a looky loo and I'm great. What kind of feedback? Can you give me? What do you know about the neighborhood? Especially if it's my own listing? Because then that's things that I'm going to be able to help with clients who want to purchase that home.

Rick Ripma: 32:58

Plus, I'm guessing the best buyer could come out of the people who live within 2525 homes around them because they want it I mean, what's better than picking your own neighbor that you know, is going to be a great neighbor?

Victoria Vickrey: 33:11

Absolutely. So my house two doors down from me just went on the market, what it's sold now. But the neighbor in between houses, she called me and was like, I'm trying to get my parents in this home. And so yeah, you never know, like in that neighborhood, somebody might want someone so close to them that, you know, they're gonna reach out and call you.

Rick Ripma: 33:32

I mean, I think that's a brilliant thing to do. I think it helps everybody. It's good for you. It's good for the neighborhood. It helps it makes everybody more comfortable. Absolutely. When I sold new homes, one of the things I would do is we had golf carts, you drive right through the neighborhood, whether it was in my car, or the golf cart, and everybody I waved at everybody didn't matter, you waited everybody. And then when you had clients in the car, taking them or in the car or the golf cart, taking them to a house, you know, a spec or showing them a lot. Guess what, everybody Wait, what a friendly neighborhood, and you kind of just do that same thing. You've now met the 25 people around, they know who you are you you wave at them, and people feel like and they know that these were people coming to see the house. I just think it's brilliant. I think it's what what's hilarious

Victoria Vickrey: 34:17

is with that open house, I was you know, knocking around on doors in my neighborhood and they've seen me out with my kids and my dog and in those kinds of things. But I don't typically look like the realtor. And so one guy was said you're the little blonde that lives in the orange break down the street and I was like yeah, that's me. I said I clean up nice. Don't I was like, Oh my gosh, I've never seen usually you're out mowing your grass and You look nice today. So it's just kind of funny. Well,

Ian Arnold: 34:43

please she's a realtor. It takes care of her yard. Oh,

Victoria Vickrey: 34:45

absolutely. Absolutely.

Rick Ripma: 34:48

I wouldn't be surprised if there's any of them out there that don't.

Ian Arnold: 34:53

So let's with Indiana and everything. How do you see the market changing in the next two to five years? Again, you

Victoria Vickrey: 35:01

know, absolutely, I think that inventory is still going to stay very low. And, and buyers as the interest rates are, I'd say not, they're not rising, they're just going back to where they were, they're just going back to normal. And so I think that's making people very nervous. But one thing that I learned yesterday that I felt was very, very important was with the new society that we have with our working, how we're working from home, and it's not necessarily so important that we're close to, you know, our living close to work is that people are now it used to be a 15 mile radius that people would look in now it's a 50 mile radius. And so there, you want to make sure that, you know, agents, you know, within those 50 miles so that you can refer that out. And that's one of the great things about FC Tucker's that we have agents everywhere, and we can just reach out and find someone anywhere, although I myself would take 150 miles away, I will work as far as I as my license will go, you know, kind of thing. But I just see the market, hopefully just kind of leveling out. And the past two years were an abnormally and hopefully the next two, it's gonna go back to normal and just kind of be at a slower pace.

Rick Ripma: 36:14

It definitely seems to be going that way. I don't know what's going to happen. None of us do. But it seems to me interest rates based on what we see in the market, what the feds are doing, there's a lot of misconceptions of what that market actually is, and what's going to happen. There's a high likelihood we're going to see rates come down. No guarantees, nobody knows. But we think rates are probably going to be by mid to late next year, probably in the fives maybe even into the fours dependent credit and downpayment, all that kind of stuff, kind of program. So this is a, this is a great time to buy, in our opinion, because when the rates go back down, the low inventory is not going to change. And it's going to bring a lot of people back into the market that quite honestly, they renewed their leases. Absolutely, yes. Right. Yeah, they're gonna come back. And the the demand has not changed. Those people still want to buy a house, they just had to put it off, when the rates come back down. They're kind of used, it's so funny, if rates were at 12%, and they went to 15%, everybody would react just like they did with this our market. But if they were at 12%, and they went to 9%, they throw a party at 9%. I was gonna I was in the business when that happened. And it was like everybody was shocked and so thrilled that rates were, they wouldn't even night, they dropped under 10. And everybody's excited. So I really think that I don't think it's gonna get back to the craziness we had the last two years because that's an anomaly. And I mean, it's the only time it's ever happened. But I think that it's going to turn more into a seller's market again, because of the demand. And I believe because of that, this is a great time to buy a house.

Victoria Vickrey: 38:03

Absolutely. And I know buyers are a bit apprehensive because of the the rates, but you can always refinance. So let's say that they do come down in two or three years. And that's the perfect time for you to refinance because you have the equity into your home. And hopefully you've that is one of your goals that you've set to refinance in a few years. And so you've been able to set money aside for that. And so now is it is a really good time to buy. So that you know, you can handle that later. Yes.

Rick Ripma: 38:30

Makes it really helps.

Ian Arnold: 38:32

Yeah, I mean, as you're saying, but as we were talking about earlier, those first time homebuyers that couldn't put down all that excess cash prior can now easily go out and shop for a home and you're not competing against 3040 offers. Yes. Yeah, I think even right now, even though the rates as you said are a little higher. Guess what? When you refinance in a year or so then what does it matter? It doesn't you're in the house that you wanted, you appreciate it, your house appreciates. What's it I think Indiana is usually right around that 5%. Again, that changes year by year, but on average is 5%. I'm sorry, that that's a that's a big investment. That's, that's better than getting stocks, you don't have to worry about stocks going up and down. So yeah, if you're a first time homebuyer, definitely. And the nice thing is you're able to work those programs and everything. And then we also do those too. So what is the best number they can reach you out? If they're looking to get a home? My

Victoria Vickrey: 39:33

phone number is 317-506-7458 and you can call

Ian Arnold: 39:37

text? And so and with us it's or HardWorkingMortgageGuys.com

Rick Ripma: 39:42

It is still is and always.

Ian Arnold: 39:46

So do you see your team with you growing Do you feel or anything like that?

Victoria Vickrey: 39:52

Well, right now I'm just an independent agent. But I do work very closely with several women in our office. I'm one of those lady strong people. And we are we're just sharing each other's experiences. It's been incredible because someone who started with me, she just had a closing for a $675,000. Home. And I'm like, how did she get that opportunity, but she was in the office. And so that's one of those things that was just a floor time call. And that's what she got. And I'm so proud of her for that. And I'm just like, that shows you that we can all just work together and learn from each other's experiences. And so what you want to do is just be together, right and learn from each other. Yeah, I

Rick Ripma: 40:34

think that's important. I think it's one of the things that people lose when they start working at home all the time. And they aren't around the other members, because there's a lot of information that's passed. It used to be at the watercooler. It's there's no watercooler. But it's just even just listening to the other person you hear. I used to work with a guy who I mean, the way he said things, it was like the most beautiful, I don't know, he just put it together in such a beautiful way. And I learned a lot from him. Listening, just listening, we because he was the it's how he did it. He did it, in my opinion, better than I did. So I tried to pick up on how he did it, you know, that that, to me is important. So what should somebody look for? When they're shopping for a real estate agent?

Victoria Vickrey: 41:23

I think it's important that you find someone who fits you? Well, you know, we all have the same availability to the knowledge, a lot of us have the same resources, FC Tucker provides extreme resources. And so that's very, very nice. But you want to find somebody who is going to fit you. That's why I say that, it's really not a competition, because I'm gonna find my people, and you're gonna find your people. And so as a buyer, you want to find a realtor, that is your people, you know, that's looking for the same thing that that you are and that that you can just fit with interest.

Rick Ripma: 42:02

Yeah, it's important that you that you do, you know, it's, it's one of those things, and there's by talking with them, and you can get a pretty good idea if this is somebody you're gonna play with. And so it makes a lot of sense. I think that's one of the things about the podcast is it really helps people kind of get an idea, but not kind of, they get a great idea of what a person is like. And I think this by listening, and by listening, they know what you're like. And they and if that resonates with them, they should call you, right, they get a hold of you. Again, what's the number

Victoria Vickrey: 42:36

317-506-7458?

Rick Ripma: 42:39

I should write that down? Because I have to have you say it every time, you'll just listen to can't remember. So that's one of the I'm sorry, guys. Ian says I'm getting

Victoria Vickrey: 42:47

old. So that's one of the things when I'm reaching out to a client for a listing is I'm not pushing them to see, you know, what, can I please have your listing, what I'm doing is trying to present myself and just saying, let's see, if we're a good fit, let's sit down and talk. And if we're not been that, and then that's the case, although I have not, not gotten one of my listing appointments. And so I'm very proud of that. But it is just about seeing if you can find someone who fits you and your personality and the things that you're looking for.

Ian Arnold: 43:19

And people don't realize how important that first meeting is. Not only you get to find out, do these two people mesh. But the other thing is, is about the expectations. So if you're looking at selling your home, alright, doing a walkthrough finding out, Hey, you might want to do this or this stuff to improve it. Or if you're looking at sell or looking at buying what is what am I looking at, as you were saying earlier, if they need to get on a program, it could be like 45 days? Well, once you start looking at homes, you're chomping at a bit, let's let's be honest, but that setting those example or setting the expectations, hey, there are three hurdles, but we will get through them.

Victoria Vickrey: 44:01

Absolutely, yes. And I'm very patient. And so that that's one of the things that I pride myself on and so I I can't instill that in others, but I can, I can encourage you to be patient and hold off because a lot of people don't understand how long this process is, especially if you have to work on your finances prior. And so if I'm patient, I just need you to be patient. As long as you're doing the work, then we're going to be good.

Ian Arnold: 44:26

I mean, even if you take good credit, it could take even 15 days to a month to get it so you're still chomping at the bit even when you get the offer accepted. So yeah, it's just one of those things. If even if you bought three or four houses, guess what? That new one that you're buying is a I can't wait to move in there. I can't wait to sign Okay, so it's always gonna be

Victoria Vickrey: 44:49

Oh, yeah, I just had a cash buyer. It took us six months to find a house. But once we found it, he was this is a new investment and investor property for him. And automatically there's a third The month lease already signed. And so it's just switched right on over and it's already working itself out for him. That's awesome. Now had we put them in something six months ago that wasn't like that, who knows what would have happened, but it's just about being patient and showing your clients how to be patient.

Rick Ripma: 45:16

As you look at the at the future, is there anything in your business you would change or you will be changing to try to improve or areas that you want to improve in?

Victoria Vickrey: 45:27

Absolutely. I'm very goal oriented. And so right now, it's just trying to reach out to as many people as I possibly can to let them know that I'm a realtor. Because, you know, as you start, it's hard to grow your business if you don't market yourself. And so when I first started, I was just like, oh my gosh, I'm kind of shy. And I don't, I don't want to seem like I'm being boastful or bragging that, you know, hey, look at me, I'm a realtor now. But you have to you absolutely have to, and, and just reaching out to those people. And so I'm really excited to see what potential I can reach because that's a great thing with real estate is that there's no there's no cap, it's what you put in. And so I'm just really looking forward to seeing my potential and what what I can do.

Rick Ripma: 46:13

You can't keep what you do a secret. No. You gotta get out there and tell people well, it

Victoria Vickrey: 46:19

was hard because I ran the daycare for so long. And every day I was at home with the same kids and you know, same families and just kind of quiet to myself. And then all of a sudden, I was like this explosion back into the adult world. And I was like, Oh, my gosh, this is this is great. And so now I'm becoming far more extroverted than I had been the prior decade. And I'm just out there and, and going, so it's, I love meeting new people now, instead of being a homebody,

Rick Ripma: 46:47

well, both both can have their benefits, but you you, it helps. It's kind of fun. I'm kind of a introvert, you know, my natural tendency. But I enjoy as it sounds like you do meeting new people I love and it's why we why we do this. I love hearing stories. I love hearing the stories that people have everybody's story to get in is different. So it's just, it's great to hear everybody's story and how they got in. And you know what they do, and they're all interesting as yours is extremely interesting. And I know you're doing extremely well, your businesses, we look, we you know, before we have people on, we look at numbers and all that because we really want gurus on and we don't, it's not a they've been in the business 30 years. So they're a guru. That's not the case, I look at plenty of agents that have been in the business a long time, but they do one two a year. You know, that's not a guru, but somebody has been in 234 years, and they're doing good numbers, you know, even you know, much more than, than, than the ones you know, these people to a year. It means a lot. It also says they're doing the right things. And everybody we talked to kind of has a similar take they care about the customer, it's really their first thing that becomes you know, I'm going to do what I have to do to take care of my customer. Now if I have to, if I have to, you know, slow down, I won't take as many customers but I'm not doing that I'm trying to build my business. So it's great. And it's great to hear that you do because we believe in what exactly what you're doing. Do you want to build a business you got to call, you got to you got to contact people, we spend hours every week, contacting people. Because we know that's important to build our business. And you do too.

Victoria Vickrey: 48:37

One of the things that I appreciate about my goals is that it's not dollar signs. For me it's units. I want to know, I want to know how many families am I going to get into homes? How many renters am I going to get out of renting? And so it's never numbers. For me, it's always units. And so at the end of the year, I said I need two more transactions to reach my goal. It wasn't I need, you know, a quarter of a million dollars to reach my goal. I just needed two more units. And so that's how I like to measure my success and what I'm doing for people

Rick Ripma: 49:09

because you're worried about the people. Yes, yes. Not yourself. Yes. It's all about

Victoria Vickrey: 49:13

I mean, I'm, you know, I'm in it to make the money, but it's not. It's certainly not everything for me. Certainly not everything for me. But taking

Rick Ripma: 49:20

people comes Absolutely, yeah. Take care of

Victoria Vickrey: 49:23

people. Absolutely.

Rick Ripma: 49:25

And we are running out of time. If somebody has any questions wants to talk to you about any real estate or wants to find out about the special programs that are out there. Mostly for first time homebuyers lower income, how would they get ahold of you?

Victoria Vickrey: 49:38

You can reach me at 317-506-7458 or you can go to my website www dot talk to Tucker slash Victoria dot facory.

Rick Ripma: 49:49

Awesome. And if you want to get a hold of Ian or I , it's HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com

Ian Arnold: 49:55

and reminder keep us in mind if you know any family, friends, family or coworkers that are Looking to buy sell or refinance and we'll get them all taken care of

Rick Ripma: 50:03

yep just start a group text with us but you got to find our information on HardWorkingMortgageGuys.com Thanks for joining us we appreciate it have a great day