Rising Guru Jeff Allen with Timeko and Associates Realty Group

Ian Arnold: 0:00

Hey, Rick, we had Jeff Allen on today and I think his past what his family went through and how his family are a huge mentors for him on his success in this industry.

Rick Ripma: 0:13

Yeah, I thought it was extremely interesting. A newer agent is with FC Tucker. Yep. And but he's on a team to Miko and Associates Realty.

Ian Arnold: 0:24

You saw that right? Good job.

Rick Ripma: 0:25

And I mean, just the mentorship that he had there, the mentorship he had at home. But it's really more than that the stories he tells he's, he's a musician. He's really into food. He is great. He understands real estate is just just an extremely interesting person to talk with.

Ian Arnold: 0:42

Yes. So if you are looking for a show to listen to this one, you definitely need to check out and you will not be disappointed.

Rick Ripma: 0:52

welcomed in these real estate gurus your ultimate guide to the dynamic world of real estate in Indiana, and I'm recruited by your hard work and mortgage guy and I've been in real estate and mortgages for over 24 years, and I'm in Arnold, a loan officer on Rick's hard working mortgage team. We're both with advisors Mortgage Group together will empower you with expert advice market trends is assessable stories from Guru realtors and local experts. Whether you're a homeowner and investor or pro Join us as we navigate the thriving in the real estate market.

Ian Arnold: 1:25

Now get ready to unlock the doors of success. One episode at a time.

Rick Ripma: 1:32

And today we have a really interesting guest. His name is Jeff Allen. And Jeff's with FC Tucker. Yep, so you took it but you're but you're also with a team.

Jeff Allen: 1:42

Yes. And the team is to Miko and Associates Realty Group.

Rick Ripma: 1:45

Yeah. Because if I tried to pronounce it, I don't have makeup. Right.

Jeff Allen: 1:50

Most people see it at time. CO even Siri does. Yeah, okay. Just call it.

Rick Ripma: 1:56

I'm like a I missed it. Yeah. So so your your FC Tucker, great, great organization apps and you're you're new into real estate, but you're doing phenomenally well.

Jeff Allen: 2:08

I appreciate that.

Rick Ripma: 2:08

So we'd love to know, first, your background. Where did you come from? You know, Where'd you grow up? Okay, what was your family? Like, you know, what's your life been like? And then and then what was your driving force to get into real estate?

Jeff Allen: 2:20

Okay, so I am again, Jeff Allen, born and raised in Indianapolis and may not be an earache. I've tried to escape multiple times. My kids won't allow me. I have a 19 year old daughter. She's doing extremely well in nursing, so she has her CNA. She's got her own place. No kids man working full time at a nursing home getting ready to work on our Ra. LPN and then go on to our RN. So Ivy Tech has this program where they partner with IU and help nurses. Then I have a 15 year old son, he's great at basketball and just smart and intelligent and doing great over at Brownsburg High School. But me I grew up here and two parent home. There just celebrated their 48th anniversary. Wow. Congratulations to them. That's awesome time. Shout out to my dad. Oh, you have another bottle of Tylenol. Love you, Mom. Yeah, so I grew up in church man. I've been a musician since I was five years old and actually started playing for churches when I was eight years old. No kidding. Yeah. Wow. Couldn't even touch the footpath that happened. It just a great guy. Me and my dad, he he loved playing the Oregon. I wasn't much of an organist. But you know, I saw him how he worked on the Oregon and the piano when I was like, Oh, that's interesting as a kid, you know, like, Oh, let me do that. And I'm banging on the you know, the lower keys like you would and so he showed me you know, resolutions and just showed me the scales to notes. And then from there man, I just develop an ear and just took off and started playing for multiple churches grew up started playing for multiple groups got into Neil soul jazz, different blues bands in high school or what have you. And yes, just been interesting. Love family, love giving back come from a family of just missionaries, caregiving and my mom she's been in nursing forever. So you know, she scaled back on that. But she was a caregiver and I saw just the way that she cared for people. So that gave me a heart for people and my dad. Man, my dad's amazing. He's Dr. Gerald F. Allen, senior and he's got his doctorate in philosophy strategic planning and what is it philosophy strategic planning and In I think project management, okay. And so he was over at Allison's for years and then got into Rolls Royce. And then all of a sudden new management came in and fired everybody, including him, after he didn't work that all his way all the way up, you know, management come in. So I saw him pivot, and just learning, seeing his work ethic and seeing how he pivoted, just in most critical moments. allowed me to pull from that. So I learned the power to pivot into action from my dad, and just watching him still provide without missing a beat. And so with my mother's heart for people, my dad's work ethic and power to pivot, I've learned to just, you know, adapt through certain changes in life. And as brought me to this moment now, and in retrospect, I would say, looking back at 2020, I was over at the Indianapolis Urban League for about, okay, what a half years, so I'm not sure if you know, if you're familiar with that, and, but nonprofit organization, downtown 777, Indiana Avenue, helps people, you know, get resources, connect them to educational and training programs, financial literacy. So I actually implemented a program called saving our sons. So that helps 18 to 24 year old young men come out of, you know, certain poverty driven situations, environments, pulling them into a different light, so to speak, with giving them activities, like maybe going out to clean up neighborhoods, maybe even taking them outside of the box, maybe going to top golf, like have you ever been a top cop? What is Top Golf. Okay, we're going all right. My treat, you know, of course, in the end, in an episode release, budget, but yeah, they had a great time, I helped reduce recidivism. With these young men, they really just needed a hand, you know, a little bit of hand holding, but more so a hand up not a handout, you know, and they definitely tremendously benefited from that. They also started a suit closet over there. And from there, after I got furloughed in 2020 will park that right there. But after I got furloughed and 2020, it caused me to pivot. And so was looking for other opportunities, of course, occasionally, but then I ended up starting another suit closet over at my home church and call that making them better. And it was actually a program in a suit closet, okay, helping 16 to 45 year old man, because, you know, you and I know, like, we're supposed to be providers, we're supposed to be leaders. And if we don't have the resources, if we don't have the confidence, if we don't, you know, have the support, then it's like, we're just out here by ourselves. And that can, you know, leave us vulnerable, cause low self esteem, mental health issues and all of that. And so, our job was to reach a little bit lower than the 18 to 24 year old bracket of young men and start maybe sophomore high school, you know, because, you know, that's kind of where to start. 1415 Maybe, but definitely, once you hit 65 It's like those guys still need some resources, some help with leadership, some, maybe even a suit, so we put them in a new suit, man, it changes their life. Yeah. I mean, you know, it's a different. Yeah, you put on a t shirt you'd like, just wanna lay around the house, go do some work, but when you in a suit, it's like, okay, you know, just don't want to, I don't want to, you know, yeah, mess anything up. Or, you know, I feel a little bit more confident when I walk into a professional situation. And just all of that, that comes with that. So, left the Urban League started the closet, making them better program, and then got with a friend of mine to Miko, Whitaker, and she was like, Hey, what are you doing now? It's like, I'm trying to figure out what I'm doing right now. And I believe that God is just leading me somewhere bigger and better. And she was like, I got the right thing for you. And I, I've been in real estate for two years at this point. And I'm looking to start a team. So I'm like, Tell me more. So she told me more and I was all for it. So yeah, so I would say get into real estate because of man, Providence number one. just God leading me this way, certain incidents, what have you that led up to that? And just having the power to pivot and following great leadership? I think it's just wise to follow those who are wise. You follow in their footsteps and see their success and just mimic that. Make it your own. And then I've got to take it from there. Yeah, keep moving. Well,

Rick Ripma: 10:24

Tomiko is awesome. She, she's a very, I've looked at her numbers, and yet all of these, and she's just she's a great person. But she's just, she's a very, she's phenomenal role is absolutely. So great place for you to go and work. Yeah, absolutely. Yeah. And we believe that the mentors matter greatly Yes, they do. It's just like, when you understand it much better than I ever did. I, it took me forever. I my, my youngest son taught me about it, because of when he was at IU, they had mentors. And he's done phenomenally well, because of mentors. And you've, and I think, you know, it's it's like all the things that you've done all the help that you're giving all these people. It's all about mentorship, it's

Jeff Allen: 11:06

all about man. Yeah. Yeah, life is scary.

Rick Ripma: 11:10

Right? Yeah. You know, it's hard to admit it sometimes. But life is scary. Yeah. And do it on your own? No, you can't. And it's like, it just helps to have people there that will, will be there for you and have your best interest. And

Jeff Allen: 11:22

that's the that's the key. Yeah, a lot of times, we just don't find genuine people in the world, you know, not gonna say that, you know, on a large scale, because most people, you know, are pretty good, you know, but you just don't find genuine people who are willing to sacrifice their own time, maybe even some of their own resources or even finances to help support you without having an alternate ulterior motive. Right. You know, and so, you know, I find that, you know, total opposite with to Miko. She's just always been genuine, even in ministry have known her for over 15 years, just even in ministry, marketplace ministry, and just seeing her thrive in real estate. Genuinely just treating people, you know, great. And just being an amazing person. Yeah. People flocked to that, you know, people feel that energy. It's almost like, you know, people feel the energy before you walk in the door. And you can feel the same. It's like, do I want to be here? No, but when you find welcoming people who are is amazing, you can't just want to be around them. And then when they have so much wisdom in this particular area, it's like, okay, and if that benefits from you, I just want to, you know, sit under your tutelage and just learn more about, okay,

Ian Arnold: 12:39

so let me ask you this. So when she was like, Hey, I think you'd be a great realtor. Okay, what was your perspective on it? And going into it? And then what was reality check? Yes.

Jeff Allen: 12:50

So, perspective. So looking at it, I didn't know the full scope of what real estate was, of course, you know, we think and just, you know, taking myself back to when I was a kid, man, maybe probably 10 years old, or whatever, I just ride pass homes, you know, in the backseat with my parents, are we there yet wherever we go on, but I've just always been a visionary. So as an artist, I used to draw a lot, okay, in elementary school, like I can still draw, like, you know, you just looking just like you are right now, like, with clarity, but I would see with clarity, like what an abandoned house could look like really? Yeah. And I was like, okay, man, they need some black shutters there are white paint there, man at that red door will make that pop or something like that. So I would look at different shows, or just, man I'm, we talked about another agent earlier, but I'm a foodie, as well. So I like to cook and just that artistry, you know, just falls in different categories along with my music and all that. So I would love to see just nothing turn into something and what that could look like. So I thought real estate was all about that and just read rehab and homes and, you know, buying property and I would see land and stuff like that. But when I got into it, it was like, Okay, it's not about just the homes real estate is just so broad, and has so many different aspects. And it's so multifaceted that you just can't put a pin on this is real estate, like everything is real estate land is real estate, what it's, you know, where we are geographically. And you know, you can utilize real estate for it, you know, and leverage that to build net worth. And just seeing so many aspects that could pull from that. I learned that it wasn't just one thing, and then I also learned that it was more personable. Then just it's more about people Yeah, it's mostly about like, you know, and when you think about the home, you have to think about the person in the family that's going to live in that home. For whatever amount of time and understanding just our everyday day to day activities, we have to understand how that family is going to live, move and flourish in that home, in that neighborhood, and just in their lives, and if you can make a person's life easier, by getting their home closer to their job, you know, understanding and just listening, you know, is the key to be successful to me. And that's what I learned.

Ian Arnold: 15:41

Yeah, one thing that I think you hit on is, with being a real estate agent, it's not like it's um, it's sales, but it's a different type of sales. Any other type of sales basically, it's what they call burn in turn. So like even in car sells, basically, once you're done, you're usually sell a car to that person that day. Or if you go to Walmart, Best Buy whatever any type of sales is usually done that day, if not the next day. Well, real estate, it takes. All right, let's get let's find out what you're looking for. All right, now, let's go look at homes. You could spend looking at homes for a month or two before you find the right one. So you become much more connected with these people. And then even after you find the right home, you spend the next 30 to 45 days absolutely in the work process to close on it. He's so you spend two to three months on, let's just say on average with one family. That's that's, that's a fourth of the year. Absolutely. You're like calling him talking to him almost every other day. Yeah. So you become more of a family friend. Absolutely. Then just hey, I bought my car from that guy over there. Absolutely.

Jeff Allen: 16:50

Yeah, I always joke with my clients. I said, Man, you know, after this is all over with, you know, you're my client now, but you're gonna turn into my third cause and after this I should be invited to the barbecue.

Rick Ripma: 17:04

He's a food. Barbecue. So,

Ian Arnold: 17:07

so I know you want some more third cousins out there? Yeah, absolutely. So what's the best way someone get in touch with you?

Jeff Allen: 17:12

So best way to get in touch with me is on my cell phone. And that's 317-809-1547. Again, that's 317-809-1547 and you can call or text me? Even at 3am No, don't call

Rick Ripma: 17:28

me. Always. Phone is always available. You might not be Yeah. And to get a hold of her I got a HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or even give us a call at 317-672-1938. It's 317-672-1938. And I I have to know what I love barbecue. Okay, but I don't eat meat anymore. So I've had to switch over. I use barbecue for

Jeff Allen: 17:58

for shrimp. Okay, because I eat shrimp. Okay,

Rick Ripma: 18:01

what's your favorite barbecue I love I just love barbecue. So what's your favorite barbecue?

Jeff Allen: 18:05

is got to be amazing. You gotta love a good rib tip. Ya know? And probably my second favorite is brisket. Like, oh my god, there's a Best Kept Secret right there off of like 29th and Martin Luther King is cow Hanks brisket. Oh my god. So they put the potato. Okay, I'm gonna paint it for you. Right. So they this big, huge potato. And then they put some brisket or whatever meats, you might have sausage cut up sausage or something. Then they just start a load on the cheese and sour creams and the chives and the you know, sauce, the barbecue sauce. And it's just amazing. Oh my God. Don't eat the whole thing. Now they're like cow hormones apple pie there as well. I'm just kind of plug in there.

Rick Ripma: 19:01

Like the caramel apple pies.

Ian Arnold: 19:03

Love it. There's nothing wrong plug in something. That's good. That's, you know, there was a there was black diamond for a while. That was off a binfer binfer Yeah, that place was phenomenal. Yeah,

Jeff Allen: 19:16

yeah. And I used to go to King ribs, man, but you know, it's, I'm open to explore.

Rick Ripma: 19:23

Now. Do you make your own barbecue sauce?

Jeff Allen: 19:24

I do not. I don't know. Do you guys

Rick Ripma: 19:27

know? Okay.

Ian Arnold: 19:29

I'm telling you right now. stubs is just way too good.

Rick Ripma: 19:33

Another one you like? Yeah, I

Ian Arnold: 19:34

love stubs.

Jeff Allen: 19:35

Oh, man. My favorite barbecue sauce is sweet baby Ray's Yeah, me too.

Rick Ripma: 19:40

That's what we have. Yeah, I think it's phenomenal. It

Jeff Allen: 19:43

used to be I think when we were growing up, everybody used open pit. Oh, yeah.

Ian Arnold: 19:50

Yeah, a lot of people. I don't know. Once I was like, Oh, let me try a couple of different things because I'll do ribs and I'll do chicken and I'll do all this other stuff on the grill. And then I was like, let me try. Let me try stubs, I tried stubs and there's the original one. You need a couple of the other ones. I don't do the zero sugar because I like sugar. Yeah, but it's phenomenal. Yeah, I'd love to check that out. So, besides that, okay, let's get to know you a little bit more. If you cannot work, I gotta take away your phone. Okay. What are we actually doing for fun?

Jeff Allen: 20:22

Man, as a musician, I love just kind of tinkering on the piano I made made up songs. When I was 16 years old. I actually progressed into becoming a part owner of a record label and a writer for this particular National Recording group called Zions joy in Unity. So you can catch some of those songs on the radio now Kurt Franklin radio, of course, YouTube, you can look up videos and have songs. And I even directed my own video of a song back in 2009. And was in the video as well. It's kind of like a Puff Daddy move. I don't know, but um, yeah, so that was fun to me. And I just love music. Music is a passion for me. Cook it. Okay, we just got to finish talking about food. I love cooking, and eating. And then just going out hanging with family friends. Joking, having some fun laugh and then you know, you might catch me throwing some jokes on Facebook here and there just to kind of keep keep the laughter going and just kind of keep it light, you know? But uh, yeah, just love to have fun.

Ian Arnold: 21:37

So is any your kids pick up the musician, talent, or

Jeff Allen: 21:41

my son did just a little bit he picked up on drums early. Wow. Like he was like, amazing. At six years old. He's just on there just beaten away and keeping the beat and we will play together. He's kind of scaled back on that man. He started playing basketball and video games. And it just kind of ticked everything out. So, but he still kind of plays around. And he picked up on the piano just a little bit as well. So my daughter is well, she's, she loved watching me, and just going to different practices at church or whatever. And so my son will be on the drums and she will be watching and recording on the phone. My dad's amazing. Give me my phone. But so then she got into once she got into high school, she took a music class. So she started learning piano. And she's she did way better than me. I'll tell you why. It's because at five years old, I learned how to play and mostly playing by ear, but I never learned to really read like that. So I saw her pick up on that. And she started reading and playing and I was like, Okay, maybe. So yeah, yeah, yeah, I

Ian Arnold: 22:57

think most people and I learned I played the trumpet and middle school and everything. And I, I could play I can read. I just when you said I was off a tone a little bit, I could not hear it. I was you give me a ball and I was an athlete. Okay. That's where when I shine, basketball, I play soccer. I ran track and cross country. So

Jeff Allen: 23:19

yes, absolutely. But

Ian Arnold: 23:22

I would even my wife is not very musically talented. But I will still have my kids learn to read music. Because if they want to pick something up and just tinker with it, yeah, it's easy. And once you've learned how to read a read, it's easy to read.

Jeff Allen: 23:36

Absolutely. Yeah. Yeah. And I learned it. And I just never really put much energy into reading. Like I was in jazz bands and blues bands. And they would give me the sheet music and I can read it. I would write the notes. And but I would practice, but I'm like, if I can just hear it one time, maybe twice. I can kind of get the gist of it. And then a shout out to Mr. James in my high school because he was the music teacher and leader and he was amazing. But he would let me just play and freelance. He's like, Jeff, it's just solo. I'm like, scooped the sheet music. just played. So

Rick Ripma: 24:17

well. Yeah, it was really good that yeah, we're pretty good. Yeah, yeah. My My nephew is a drummer. Okay, he's in the band Emery, which is not something you were I would ever listen to. Okay, okay. It's a it's a screamo band. Okay. But they're, I guess they're really popular and, and Europe and Australia. Gotcha. Okay, but, and he's a great drummer. Okay,

Jeff Allen: 24:42

but there's opportunity in it, man. Yeah,

Rick Ripma: 24:45

he's getting old now. You know, I mean, older you know how to write you know, hit it.

Jeff Allen: 24:50

Pass it on.

Rick Ripma: 24:51

Yeah, you're better. Yeah, you're better but he's got little kids that are like, really getting into it. Yeah. Yeah. So it's, it's just interesting. I have no talent. nor was I a sports either. I have to like, you got some kind of I do. I'm good at math.

Jeff Allen: 25:06

You got it. That's great.

Ian Arnold: 25:09

That will take you. I guess you're in the right field then yeah.

Rick Ripma: 25:13

That's what I was. That's what I was good at at school. I was not a good student. But you got a match. That's what mattered. Yeah.

Jeff Allen: 25:22

That's what mattered to me. Yeah. Yeah, absolutely. Love it.

Rick Ripma: 25:27

So you, there's so many things that you said that are so interesting to me. But on on real estate, and what you've done in the past, you have you care so much about people? How are you seeing that benefit your customers in yourself really, in real estate? Because I know that's a huge piece of real estate is having somebody who's as caring as you are? Yeah, yeah.

Jeff Allen: 25:57

I actually had to find to my purpose and pulling from those transferable skills, just watching my mom again, caring for people, my dad's work ethic, I had to learn throughout life, pivoting in different moments and circumstances, who I was as a person, I told you, it was critical, as you know, 2020 I was furloughed in the middle of a pandemic. And it's like, Okay, Jeff, what do you want to do? I don't know, you know, at this point, so when Tomiko came and said, real estate, self employment. Financial Stability, I don't know, you know, so I was totally dependent upon God, you know, and that has been the fabric, you know, that has been woven throughout my life just trusted and dependent on God. And, you know, understanding how I can help people the most is by helping them spiritually and helping them financially. I had to learn that I don't want to go to church a year, right. But I grew up in church, but you know, just understanding that, you know, Jesus said, The thief comes to steal, kill, and destroy, but I come that you might have life, but not only life, like, just survive, and it'd be here but you're breathing, but life more abundantly, right? And then even in, what is it ecclesiastics 10. It says, a party gifts, laughter, wine, gifts, happiness, and money, gifts, everything. So when we think about abundant life, and their money, given everything, you got to have some spiritual inclination to say, hey, life is bigger than me. I want to live but not just survive and breathe, but I want to live an abundant life. And I connect people to God in that way. But then we also talk about money. And then we also talk about like, how you can we talked about leveraging, how can I leverage what I have, or finances, you know, or money that maybe I can even pull from a friend? How can I leverage that and have more. So the average net worth of a homeowner is 42 times that of a raising in that crazy?

Ian Arnold: 28:13

Can you repeat that one more time, the

Jeff Allen: 28:14

average net worth of a homeowner is 42 times the net worth of a renter. So I want to help increase people's overall value of themselves, have, you know, connect them to you know, what's happening after life. And then even while you're here, and maybe, you know, enjoying life while you're here, but then once you leave, and we all got to die one day, you know, what are you leaving behind? Like, what fingerprint that you put on this world? Now, it's about what you own, and what you put into people. You know, so I'm a firm believer in, you know, helping people increase their net worth, and then just overall perspective value of life. I think

Ian Arnold: 29:02

we do first time homebuyer seminars and everything. And I think that's the one thing that people who have never seen any of their family members or home just do not understand, right? They just think, Oh, I just pay my rent and everything or I pay my mortgage, and it's just like rent. It is not not even close. Yeah, I mean, it might feel that way. Because the but when you look at the when you look at the numbers, especially over a five year or 10 year period, yeah, it's you will look at your wealth and you're like, wow, I should have never have rented in my life. Yeah,

Jeff Allen: 29:35

absolutely. And then I will say, I agree with you in about maybe 99.9%. And here's why I say that is because home ownership is the way homeownership is the way to building your net worth. I think what is it 90% of millionaires use real estate as a wealth Bill wanting to So, but at the same time, if you're paying, I don't know, $500 $600 in rent, and you can utilize that to save money while working a job with more income coming in, of course. But if you can work a job maybe for a year and have some type of savings plan, do that temporarily. But don't. Yeah, it should never be long term or long term. Please don't not unless it just, you know, some extreme circumstance where you just have to, and I've never seen

Ian Arnold: 30:39

here's a stat I saw the other day, and I and it still shocked me. To everything I have is in America in the whole United States. Only 66% of people own their home. Yes. That is crazy. Yeah. Yeah. And that's 1/3 of the country always renting. Yeah.

Jeff Allen: 31:00

Yeah. And then I think it's like, I don't know, in the Bible says the poor always be with this. But I think there's always going to be some sector in the world or, you know, just collectively that will rent like it just has to be there. But I do see homeownership growing. Right, we do see 90% of those homeowners, right now with pre existing homes have a interest rate of 6% or lower, maybe 4%. And it's been hard to sell pre existing homes, especially this past year, especially this past year with 11. Yeah, ever and the interest rate hikes or whatever, man, it was just a lot going on with inflation. And then just with those interest rates, man, it doesn't allow people to sail pre existing home. So we saw a lot of people move towards new construction, you know, and those builders offering, you know, those 4% rates 30% 30 year fixed, I mean, and it was just hard to pass that up. So, you know, looking to get into homeownership new construction may be the way but you know,

Rick Ripma: 32:18

ya know, they can, there's way the thing is a builder is not I spent 11 years with a builder, okay, the builder is not doing anything special, nothing special, they're doing the doing the same thing a homeowner can do. It's just that builders really understand the value of the interest rate. Yeah, absolutely. So a homeowner can do the same thing and help get the rate down to make it much more affordable for somebody. So there's lots of ways to do that, as you know. And it's important that, you know, that's done because now rates are starting to come down, or they have been so it's you know, that's easy to add up some but it still helps to get a rate, you know, quite a bit lower. Yeah. And the nice thing about you know, the rate as that if rates do go down, nobody knows. But if rates do go down and you buy a house, you can always refinance the house always refund but as rates go down, what do you think's going to happen to the real estate market? Yeah, it's gonna go crazy again. Yeah, definitely gonna spike. But I have to ask my favorite question. Do we have time for that? Yeah, go ahead. I missed it earlier. So what is your superpower? Or superpowers? Would you say as it relates to real estate?

Jeff Allen: 33:26

I would say my confidence in myself my confidence in God. Just having the power to pivot into action, and being personable and professional with people.

Rick Ripma: 33:45

I think there's, I think it's very obvious.

Ian Arnold: 33:48

Now let's see if this is what I'm thinking.

Rick Ripma: 33:50

Okay, go ahead.

Ian Arnold: 33:50

No, all right,

Rick Ripma: 33:51

how smooth the you are and how you don't? It doesn't seem like things. When things get out of control. It just seems like you're, you're always you're able to keep the event you're not as very valuable. Is that what you're gonna know? Well, so with all of you should look into your wife. Well,

Ian Arnold: 34:08

I mean, he pulls off that beard phenomenal. I wish I could do something like that with all the charities you do and helping especially younger kids. See things that they have not seen. So for instance, as we just talked, I mean, 1/3 of the United States doesn't own a home and they're in it's not because they don't know, or it is because they don't know about it. Their families didn't own homes, so they don't own right, but you are showing kids even through its gradual step process. This is what this what it means to be successful. Yeah. And once when people see that, then they start to change. Those like you said, Hey, you go get them a nice suit, and they put that on, right. Some of those kids I never thought they're gonna wear a suit. Just like just like that. They never thought they were gonna own a home. You show them they have a kid ability hey, look, you don't need 20% down, right? Hey, if you if you'd go out to a little bit out in the country, you can do a USDA, you don't put anything down? Absolutely. Oh, wait, I can own a home with zero down, yes, or 3% down, or three and a half. So you show them all those options, I think that is, and you break it down for them.

Jeff Allen: 35:20

That's the thing. Yeah, it's all about presenting and just educating the people. People die from lack of knowledge, you know, so, you know, we just need to be aware of the options, first of all, and those options change all the time. So it's up to us to, you know, be updated on what's going on in the market to be able to give, you know, our clients who are so desperately, you know, in need of coming out of that financial situation and increasing their net worth becoming a homeowner, not being a renter, breaking those generational curses. And so it's just important to educate. And, like you say it, right, just keep it even, you know, you know, be be even emotionally and just helping people understand that. It may be an emotional experience, but you don't have to go crazy. You don't have to, you know, rush into things you can educate yourself, take your time, go step by step, and prepare yourself that way isn't just like, so overwhelming. Exactly. Yeah, you can benefit from that. So

Ian Arnold: 36:38

let's help people benefit from your superpowers. Okay. I mean, you don't have the ability to fly, which can wait, he didn't

Rick Ripma: 36:45

say that. Maybe he died.

Ian Arnold: 36:51

But what's the best way they can help you, you and your superpowers?

Jeff Allen: 36:55

Yep. So you can definitely just give me a call reach me at 317-809-1547. Again, 317-809-1547. If you have any questions about real estate, if you just are looking to get into real estate, you know, as an agent as an investor, I've also just more recently taken a class in development. So I've been connecting with a lot of developers in the city, and city county Councilman and just having meetings to understand, you know, what's coming up, you know, Department of Metropolitan development and just connecting with different people. So understanding the development process as well. So I love to network and just collab with, you know, different people. And yeah, just enjoy real estate as a whole. But uh, yeah, if you want to call me and invite me to dinner, invite me to a cookout to a barber? Is this helpful season I'm available, and they make myself available. They

Rick Ripma: 38:03

can call or text that number yet, please cut numbers.

Jeff Allen: 38:06

317-809-1547 Text me first, I had to silence unknown calls because of these ridiculous bad calls.

Ian Arnold: 38:16

I'm starting to get spam text messages now too. Yeah. And it's just like, like, yesterday. I got. Hey, Alan, are you working today? And there's like a 6:06am. Like, it's like, yeah. I'm like

Rick Ripma: 38:29

yeah, they're efficient. Get a hold of Ian or I. Go to HardWorkingMortgageGuys.com. That's HardWorkingMortgageGuys.com Or give us a call at 317-672-1938. It's 317-672-1938. All

Ian Arnold: 38:47

right. So take another little sidestep. But, so we do the question of the week. So here's a hard one for you. Okay, what was your first car?

Jeff Allen: 38:58

Oh, I think I've heard this on one of your episodes. I was like, what was my first color? And you know what? It was a Chevy Celebrity. Okay, that's it. Remember that? Oh, yeah. Oh, man. That was my favorite car was sky blue. Color. Yeah, you like blue? Pretty good condition to man. And that's my birthstone like, okay, okay. It was it was Providence, my God. But it ran great. You know, got me from A to B, you know, maybe here and there. Maybe a few more. How long did you have? Man? At least a couple years. Okay.

Rick Ripma: 39:36

What happened to it?

Jeff Allen: 39:38

I couldn't even tell you. I think I sold I think injured or something. Yeah, tore it up.

Rick Ripma: 39:43

Some of those cars usually that way. Some of the stories are great. Yeah, absolutely. Yeah. All

Ian Arnold: 39:50

right. So now, I'm gonna learn a flaw that you've had in your past. Okay, so when you got into real estate and we've all had new jobs, what is one mistake Make that you made that you had to learn from? Oh,

Jeff Allen: 40:03

let's see here. And that's a good one. I mean, it's all a learning process like I can't remember one specific thing that kind of just tore everything up or threw everything off. But I can't say that I've had some crazy clients that you know, just did did the most, some of them get the most man and, you know, a lot of my bottom the listeners gonna just stay.

Ian Arnold: 40:45

Yeah, you don't realize, like until you're in sales, or you had to meet a lot of people in whatever field you are. If you're just around your normal family, you don't realize how crazy some people can be. Yeah. And like even I sold cars for the longest time, and I was in rain blockbusters and stuff. But the vast majority of people are great. But every 2% There's always you run into, you're just like, you're like, Hi, how can I get you out of here? Yeah,

Jeff Allen: 41:18

yeah, I had a, I had a client threaten one of the home inspection companies. Oh, they didn't like direction they did not. And clearly, let me tell you something. This guy wasn't even on the loan. Oh, God, of the girl who was on the loan messed up everything. And I'm like, okay. God, sim mean, quality. You gotta be specific. Without the third

Ian Arnold: 41:47

person, extra,

Jeff Allen: 41:49

you know, threaten, you know, peace. But

Rick Ripma: 41:53

you know, what's emotionally great. It's an emotional business. Right? People they go, it's a big deal. Yeah. And they go through a lot of emotion. Yeah. And it's hard sometimes. And that's why I one of the things I think is really valuable and your personality is that you can, you can keep people, if you don't get excited, it really helps DIAC deactivate bringing everything everybody back down into into that realms. I think that's a huge superpower. In my opinion. I

Jeff Allen: 42:23

appreciate how you are I appreciate that. I've always been cool, calm, cool and collective and just know how to look for solutions more so than continuing to harp on the problem. Yeah. And you got to be in control, you got to drive that car, you gotta control the narrative. With your clients, sometimes they don't know. Or sometimes they have misinformation. And they think they know, some clients will have more no will know more than you, you know, and just gotta know how to how to move that. Yeah, either. Yeah. No,

Rick Ripma: 43:02

that's it's important. So what would you say? When you were getting started? If if you if there? Is there anything that either you were told that really was valuable to you? Or maybe you wish you had been told, just as you were getting started, that would have helped you? Yeah.

Jeff Allen: 43:25

I think the most important piece is to value people do you know, it's something that I know it's something that I've been doing, but when you value people, you value relationships, and everybody knows, and this business just like we were talking about earlier, it's not about you know, the inanimate objects, it's not more so about the house, that's what the family is going to enjoy. This is after those two months II and yet you get to work with them, they found that one, but you've been working with them for two months. So you have to know you know how to deal with people. And I think that that's most important, you know, to know how to, uh, value their needs, and listen to them, listen to what they need, listen to the commute, listen to where they work, listen to any issues that you may have to resolve or may help them resolve outside of this particular real estate transaction. So the transaction can go well. You know, maybe just listen and say, you know, I need to get here I need to get there. You know, if you can give them $20 To get to gas, I mean, get get, you know, get some gas to get to work or something like that. You know, if you know that that's going to help that person on top of overall help this real estate transaction so that person's hours doesn't fluctuate, become variable income. Whatever during this whole process, you don't want to mess up that at all. You mortgage guys know that. But yeah, just valuing people is most important. Rick

Ian Arnold: 45:09

and I have always had a motto is you take care of the customer. You don't worry about the money. Yeah, I mean, don't get me wrong. We're all commission based. But if you stop thinking about the money, and you just think about the people, and you take care of them, yeah, no matter what, it'll all work out in the workout.

Rick Ripma: 45:25

Yes, it will. It always does. It always, always does. In fact, everything. Really, if you just relax and not yell at the Inspector. Yes. Okay. Just relax. Yeah, it's all gonna work out. It's gonna work. It always, just always does. And sometimes it works. It doesn't. I think the problem is, is we want it to work out a certain way. Yeah. And we have to let go with that. Yeah. And let it work out.

Jeff Allen: 45:49

Absolutely. And I think when we talk in from like, a mortgage standpoint, or even a realtor standpoint, from vocationally, you know, we can, we can embrace that. But then more so even with the client, too, they have to understand that things will work out. And sometimes when it doesn't work out right now, that doesn't mean that it's just not going to work out at all right? It just may take time. And, you know, if things don't work out right now, just might not be your time, but continue to prepare for that opportunity to become a homeowner. You know, continue to save, continue to get their credit together, don't lose your job, don't pass, go collect$200. Don't get divorced, don't get married, don't change anything yet. No. But just make sure that you understand that when it's your time, it's your time,

Rick Ripma: 46:38

and get people who can help you know what to do. I think that's that's one of the things especially I see this with people with credit issues. They think they're doing the right thing. They're they're trying to fix their credit. And they, and they think they think logically they're doing the right thing. And logically, it makes sense. But it doesn't make sense in their scheme of credit. Right. And instead of helping their credit, they're actually hurting their credit. Yeah, yeah. And so you need to talk to somebody, and how to buy a house and all that, right. You're not bothering like, if if somebody's thinking, you know, I'd like to buy a house and they're two, three years off. They're not bothering you by talking to you now. Right, right. You can help get them prepared by the house. That's what we do. Right?

Jeff Allen: 47:21

Absolutely. Yeah. And then you might even find out you know, if you had a two year goal to buy a house, that might even happen a little sooner, that's right now, because you say, Okay, you need $3,000 cash to close and you can get this$250,000 home and it's gonna be a monthly payment, no HOA over this neighborhood. It's like, Okay, do we really, you know, need this house? Do we need this big house, you know, we might need to downsize, you might need to upgrade, you know, to a bigger home. But you may see that as an opportunity. Just talking to somebody in quote unquote, in advance. Yes. Yeah. I

Ian Arnold: 48:00

mean, the nice thing, I always like to analogize it as a sporting event or race, is look, when you decide I think I want to do something, you're at the starting line. Yeah. Well, guess what, there are so many hurdles that you might need to get over to get to that finish line. Absolutely. But the thing is, is the next step, after you go, Hey, I think I want to do this is talk to an expert, because then they're going to break down every hurdle you might have. Absolutely to get you to that finish line. And if something comes up and another hurdle pops up, yeah, we can get you through it to the next step. Absolutely. And I think that's what people need is like you once you have a game plan, it's easier to follow a game plan than it is to follow a dream in your head.

Jeff Allen: 48:44

Yeah, absolutely. Got to turn a plan into action and, you know, make those moves. It's, you know, you can study scuba dive in for five years, but if you never jump in that water

Ian Arnold: 49:00

is that Mike Tyson? Quote, everybody can fight until they get punched in the face. Oh, yeah.

Rick Ripma: 49:08

My My wife loves the Big Bang Theory, which is a joke. And Sheldon Cooper the main character, one of the funny they he taught himself how to swim. But he never gotten the water. He taught himself how to swim on land. Got you? Well, yeah, yeah, cuz. Yeah. I don't really know if you jump in the water. Right. Right. It actually worked. It's kind of funny that but that's how some people think, yeah, it's important that you jump in the walk, it's important

Jeff Allen: 49:36

to jump in the water to action. Alright,

Ian Arnold: 49:39

so I'll make one last point. And then we're gonna get your number out there again. So I feel sorry, your dad lost his job that, but I think that was a great experience you just because it showed you what hard work is because too many times if parents don't go through a tough time or whatnot, the kids always say, oh, that Job's easy. doesn't like nothing. Yeah, but when you were saw him, alright, he had a pivot he had to wait. You mean, you saw that work ethic? I think that was phenomenal for you, because that gave you this is how I have to work. Yeah,

Jeff Allen: 50:11

absolutely, I saw him lose that but didn't lose heart. And life, man is gonna throw all kinds of, you know, obstacles, you know, situations your way where you have to pivot into action and adapt, you know, at the blink of an eye, and you can't lose heart, you know, and as a leader, and that's one of the things that we kind of focused on with my making men better program. And when we deal with men, you know, we have to understand that mental health, you know, is important. With with mental health in general, it's important, I think everybody needs a mental health counselor after COVID manage everything. But you know, because it caused everything to change. And when everything changes, what do you do? You know, so you have to be able to keep our, you know, stay focused, pivot into action, and I saw him getting jobs at, you know, places where I was like, Okay, Dr. Allen, you know, but at the same time, money is still green, yep, it appeals we're still paying, I try. And I didn't see him have a sense of pride, where or too much pride where he's like, Oh, I'm not getting ready to go work there. You know, I don't care about that. And, you know, this is gonna mess up my image, he could care less. He was, you know, manager over it, you know, Speedway gas stations and delivering papers back in the day, we used to help them deliver papers to wake us up, you know, and so, but then progressed from there, and to different, you know, senior project manager roles. And, you know, he just kept moving. And I saw that and I pull it from that. So, you know, shout out to my dad. Yeah,

Rick Ripma: 52:12

you had a good dad.

Ian Arnold: 52:13

All right. So, I want you to have as many cousins as you can have. Okay, so let's, let's get your number out there. And one more time.

Jeff Allen: 52:22

All right, my future cuz my phone number is 317-809-1547. Again, that's 317-809-1547. That's my cell phone. You can call or text anytime.

Rick Ripma: 52:35

Yeah, because your phone is always available. Right? Yeah, yeah. So it's always my phone is always available. I may not be but my phone is always there ready to take your message and I'll get to it as soon as I can. As soon as I can. And to get a hold of Vienna, I go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or give us a call at 317-672-1938 31767 to 1938. And please follow us for more indies real estate gurus.

Ian Arnold: 53:05

Reminder. If you have any friends, family or coworkers looking to buy sell, refinance, let us know we'd be more than happy to help you. Hey, Jeff, thanks for joining us on the show. It's been a pleasure having me as I love a lot of your stories.

Jeff Allen: 53:18

Yes, sir. Thanks for having me.

Announcer: 53:20

Brent NMLS number 33041 ritmos NMLS number 66459 Arnold NMLS number 1995469 equal housing opportunity some restrictions apply.