The Code To Winning - THE BANKING BROTHERS BUILDING WEALTH THROUGH REAL ESTATE & MORTGAGES || IAN & KEVIN DUBOE || EPISODE 036

Episode Date: June 19, 2025

THIS EPISODE WAS RECORDED 2 YEARS AGO we recently retrieved the data and files so excuse the quality may not be up to speed    In this episode of The Code To Winning, we’re joined by The Bank Brothers — the Duboe twins — identical entrepreneurs originally from Argentina who have made a name for themselves in the mortgage and real estate world out of Las Vegas. From dropping out of college to building their own branch of Harmony Home Loans, these brothers have crafted a unique brand focused on helping people achieve homeownership and financial freedom.   The twins dive deep into how they help clients qualify for home loans even when faced with challenges like low credit scores, bankruptcies, or other financial setbacks. They break down loan options such as FHA, VA, and conventional loans, and share insights on credit repair and how to navigate the confusing mortgage process with clarity and confidence.   One of the key highlights is their explanation of smart mortgage tools like the 2-1 buydown program — a creative solution that lowers monthly payments in the first two years, helping buyers manage costs while interest rates fluctuate. They also discuss personal stories, including host KG’s experience buying a Tesla with a 680 credit score, illustrating how real people can succeed despite imperfect credit histories.   Beyond home loans, the Bank Brothers explore real estate investing strategies, including Airbnb and rental arbitrage, weighing the risks and rewards for new investors. They caution listeners about the flood of “fake gurus” online and stress the importance of doing proper research and surrounding yourself with knowledgeable, experienced mentors.   Finally, the twins reveal how technology and AI are revolutionizing the mortgage industry by streamlining application processes and enhancing customer experience, allowing smaller lenders to compete with big banks. This episode is packed with actionable advice, authentic stories, and forward-thinking insights for anyone looking to buy a home, improve their finances, or get started in real estate investing.

This next episode is going to be an episode that I was recorded about two years ago. It's interviewing the Dubois twins. They were born in Argentina. They came to America at a very young age. They end the Las Vegas. And they are the founders of Harmony Home Loans LLC. And they touch on a lot about purchase and refinancing and helping a day-to-day-de-day-de-rele. day consumers and clients to be able to obtain home loans that are going to be suitable for them.

They break down multiple areas where people can easily qualify for loans, regardless of credit score and many other factors that a day-to-day consumer might think it's an important point, but they just break down each specific point as well. So again, the reason I'm recording this So I want to just rehearse that this episode was actually done about two years ago. We retrieved all those files and the data of the very, very first episodes that we recorded. And this is the one with the Dubar Twins. So enjoy it. Today we have one of our first few guests, the CEOs and owners of, is it how many home loans, right?

Correct. Entrepreneurs for mortgage and home loans in the industry of Las Vegas. The nickname is called the Bank Brothers. We're super excited to actually have them today with us. So, guys, thank you very much for joining us today. I appreciate that. All right. I heard you guys were born in Argentina.

Absolutely. Yeah. You guys are not, by any, chance, messy fans. That's a tough call on me. We just won the World Cup, so we're wearing the Messi fans, yeah. What if I told you, Ronald is the goat? I don't think he has a World Cup He's got Saudi Arabia money, baby

Arab money Awesome guys Can you guys tell me a bit more about like banking brothers Like where you guys come from How you guys started this business and how it came about as well Yeah so banking brothers I mean honestly we're brothers Twin brothers identical

And more than that We've been working together Pretty much almost every single job Friends since we started So we always were together and just in the last seven years, I started in the mortgage industry. Kevin actually started in the real estate industry. I've heard for me.

Yeah, we both dropped out of college and ended up going into the space of real estate and mortgage. And just recently with starting my own company with my business partner, we really sat down and were like, you know, we could do this and really make a brand for ourselves. You know, I think the first people you think of as far as in the real estate, field that's twins are like the property brothers and we decided to like hey we could do this too and in the mortgage space there's not something like that so it's something very unique and you know we're we're young entrepreneurs we're ready to take that and market to the to everyone so that's kind of how it came about it's in its early stages but so far uh really good feedback on it and excited to see where it goes yeah yeah i think it'll be a great like marketing

tool and then also just something that makes us very unique because we both are in the same industry and can provide a lot of value being together versus like just working separately. And you guys started this in Las Vegas, right? Yeah, yeah. It's the first branch. Yeah, so for Harmony of Home Loans, we started at LSC 2020 during COVID. We left a different company at that time. And the process was about two-year process to fully be operational. license and we're self-funded so you know we need to have all the capital to have all the bank lines the licensing we're licensed in five states right now but this is where our headquarters is at and so Vegas is our our home and where we have started our office down

street over here and yeah now this is where we're going to start growing it and expanding it all right have you guys entered or is the plan to try and expand to like other states like California or New York or is that the trajectory did you guys have in line for that? Yeah for sure so we're going to be, we're already like you said in five different states we have a branch in Dallas, Texas already and by the end of the year I think we're going to be able to have 20 more licenses. Yeah so we really are going to take it like fully nationwide and you know go as big as we can. Yeah our next stop is Florida right now so in March of of next month we're looking for a new branch and loan officers that's

that place right now so we can expand our footprint in Florida specifically and start expanding there so but yeah we're looking to be nationwide 100% awesome stuff and how do you guys like stay up to date with like the changes in the trend because I know with the real estate market recently it's just been getting more and more expensive for like homes people have been saying that 2008 is going to be occurring again you guys like plan to try and have like a specific plan for those trends and those changes occurring in the late future yeah most definitely So one, like keeping up today with like what's happening, we're always going to be in contact with other people in the space that are like professionals and like very successful business people in order to make sure we're staying ahead of the curve with like technology and things like that. But really to counteract like what's going to be happening in this type of market is the technology that we have.

In addition to that, we're always going to be working and being working creatively to find different options and also just. just like educating the consumer because a lot of times when you a lot of the consumers are getting educated through the news channels which is not always going to be accurate and they're going to have misinformation a lot of the time so it's our responsibility to educate the consumers with what different options they have and really make it a reality for them to own a home because right now it's actually a great time to purchase a home so speaking of that what are the different types of home loans available to borrowers are they different because the reason I'm asking this, one of my friends, also who does solo with me and also leads a team,

end up, like, buying a duplex. But he spoke about how he ended up, like, using his name as, like, the residence to try and get, like, I don't know if it's FH something. I don't know what the name is, to get like a 3% which was super low. How does that, like, what are the different types of options for, like, home borrowers? Yeah, that's a great question. And for your friend, DeBroent to do an FHA loan. There we go. More and likely a 3.5% because that's the minimum down for that. And so I would categorize it to three different categories as far as products available. The first ones is going to be your traditional ones, which are government financing, so your FHA loan, your VA loan, so any veteran that serve the military, and they'll have an access to a specific

loan type, which is 100% finance, no down payment required, which that's actually a great example of one of my clients in Florida are purchasing a fourplex for a property, 100% finance. it's 2.3 million. First home you're going to purchase and he's buying it for a hundred percent finance and to four-plick for two point three million that's cash flowing already and that's just something that most people don't know that they have especially if you're a veteran so that's one thing as far as like the categories of loans as far as the government ones you have your traditional which is about 65 percent of the market which is a traditional conventional loan and those are the ones that if you have a second home and an investment and even primary

you would have to do a conventional loan. Okay. And then the next category I would say it's called the non-QM. It's a non-qualified mortgage. So they state that because of how the income we could use to qualify. So this would be like a bank statement program. So if you're a business owner, I just did this today on my video, is that if you're a business owner, tax returns sometimes money

that would be the route for you to get qualified because you write off all your income so you're running life on taxes. But if that happens, like if you go to any time, traditional bank, they might just deny you and not get you the loan when if you work with a brokerage, which that's what we are. Yeah, we have alternatives. Yeah, we have alternative fines because we work with 25 different plus banks that are very specific to mortgages only.

So that gives us the advantage of products that we have available and like they might be qualified for like a bank statement program. Maybe they have alternative income another way that we could source it. So there's that. And then the last one is private financing or hard money financing. It's called a lot. A lot of fix and flip investors use that for like buying a property, rehabbing it and then selling it after it's completed for a profit.

So that depends on the consumer really like what you're looking for. You know, if you're going to be first time home buyer moving into a home with the family or if you're going to be an investor who's looking to make a profit out of an investment. You know, so then, you know, no Ferrari like that. Another thing I want to talk a bit about is, Erudu, did you have something add after that? No. So I do solar, and when I sell solar,

a very important thing is that a homeowner has to actually qualify for credit. And usually they have to have a minimum credit of about $650 for a credit score as well. For solar. And so what happens is that I've come across situations where people end up getting slightly a bit lower and then they have to get a bit of a higher interest rate through the specific finance as well. Now why I'm leading to this is what do you guys do with those customers or people that want to try and get home loans but their credit score is not sufficient or good enough? Are there like alternative ways you guys trying to

figure and help them out or I know you say you work with about 25 different like mortgage lenders but like what are ways you can help those that are struggling to get a bad credit score or even those that ain't bankruptcy you can touch that that can be a follow-up question. Yeah yeah for sure so you know if they have issues with like credit a lot of times again it comes from like misinformation information because a lot of people think they might need a minimum of like six four you to get qualified so depending on the loan type that they're looking to get qualified for let's just use that FHA for example FHA you can actually have as little as a 580 credit school no way

yeah so but then what's the minimum home you can buy for a 580 credit school that really comes in to factor like their income so depending on how much income they have that will determine really and also like what type of debts they have will determine like what they qualify for but Technically speaking, a 580 is going to be the minimum needed to qualify with an FHA loan. So a lot of times homeowners might feel discouraged because they don't have a 640, but in reality they could possibly qualify for an FHA. And then conventional, their minimum is 620 to qualify. VA, which is the other, you know, for military service people,

there's technically no credit score required, but banks determine what they're willing and unwilling to accept for that type of loan program. But if there's a situation that you mentioned, like the bankruptcy, you know, those different loan products actually have different guidelines is what we like to call it. Depending on what type of bankruptcy they have. So if it's like a chapter 13, for example. That one for a VA and FHA, we have to wait at least a year after they made on-time payments with the bankruptcy. For conventional, that actually takes a little bit longer. But if it's a chapter 7, that one is the minimum like two years out for an.

FHA and a VEA loan. Okay. So, you know, there's a, you know, there's all these different types of, like, you know, buckets that these people can fit in depending on their situation. Yeah. And I think it all, that won't be available information-wise unless they get started on the process. Okay.

So, like, they, most people are afraid to move forward or them I feel discouraged because they work with another bank and they tell them they're not qualified. When in reality, they're not giving them the proper information to actually plan how to get qualified if they can do it today right now because most people that we actually work with well they want to apply for a loan they're not all times ready to get qualified and purchase home that day after we're finished like they might need to wait a few months one client had a bankruptcy we had to wait six months out or you know he thought he was ready to go but it wasn't so and then as far to credit score in general we provide solutions for that too as far as like credit repair like we

we pull their credit report, whether it's a soft or hard pull, because we have both options. We then, if the score is not high enough, we could let them know these are the action step you can take in order to get the score you would want to to receive that loan amount. So we provide those steps alternatively too. We don't want just to leave anyone hanging as far as like, okay, we can't do anything for you right now. Do this, this, and talk to me later. That's not the, that's not being service. And, you know, people want to, the big decision moving forward,

purchasing a home. So again, the big steps to even take those courses of action. We want to make sure they're comfortable moving forward because they'll remember us when the time does come to actually use our services at that time because not everyone is, you know, how often are you like actually looking to purchase a home right away? It's not like an Amazon like drop ship where you're getting this thing next day. This is like a big decision that happens every so often in the course of your lifetime. So you want to make sure you're taking that same action step to provide how serious it is so then they're ready for it at that time. Awesome stuff. I would assume is it a challenging factor when the Federal Reserve keeps increasing interest rates or how does that like

affect like the borrowers or how does that affect like your company both? How does it affect the borrower specifically? No, that's a great question. So, you know, kind of two twofold too is like that's really started happening July of last year we see these like high increases in interest rates at the same time that also plays in the factor with like the pricing you know we've seen about a 10 15% drop as well at least in this market of home prices going down and that does disqualify a lot of people so a lot of times it's discouraging for people that were once qualified for like 500,000 now they can maybe only qualify for like 400,000 which doesn't allow them to purchase but we've uh there's also like alternative programs like we were mentioning that allows people to still qualify for like a lower

monthly payment. For example, there's a program called like a two one buy down. Okay. This is just a program that let's just say you're a consumer and you're wanting to purchase a house. You're asking the seller to pay for this program for you on your behalf. Let's just say it's $10,000. Okay. And for the first two years, your interest rate's going to be dropped. And for the first year, it's going to be 2% lower. So let's just say you start with the 6% is what your, what your original rate is going to be. With this program, you're going to start with the 4% for the first year. And then on the second year, it's going to go up to 5. And then on the third year, it's going to go back to 6. So you're saving money within those first two years because of those

lower interest rates, and it's being paid for by the seller. Okay. And really the idea of it is within the next 18 months, we're going to see interest rates drop back down. So you're going to have as a buyer or an owner of this house, you're going to have an opportunity to refinance it into a lower interest rate that's going to be fixed. And so this is going to be, this is one program that's been very popular. And that just allows for a lower monthly payment for consumers to qualify for and still have a low payment, you know, so. Oh, I love that. I want to make us like a personal for me as well. The reason I'm asking that we've been renting California for a while and Bay Area is crazy expensive.

And so we came to a conclusion, I mean, solar has been going well, but we came to the conclusion, fine, we're going to try and buy a home for ourselves. Now, I want to take, I want to give an example for me and myself. So when I bought my Tesla, I had a 680 credit score. Don't judge me. Don't judge me, please. I had a 680 credit score. My wife had about, I think, a 750.

So I could have bought it obviously with myself, but when I used it as a co-borrower, it actually decreased how much we were paying in terms of a percentage, as well. Now why I'm getting to this is is there like a minimum requirement somebody would need for a salary if they want to try and purchase home? Is it like a basic minimum somebody at least needs or is it just like constant income? How does that work? So it's more like depends on how much of the alarm I're looking to qualify for you know because like I could say you could make let's say I want a $500,000 house. Yeah 500,000 dollar house or something like that

example. Yeah, and it all plays a role into the whole thing because like if you have a home in the Bay Area versus a home in Las Vegas, your property taxes are going to be skyrocketed compared to here. So like that same $500,000 amount doesn't, it changes because your payment changes. So your income also has to match as far as how much you would make in order to qualify for that specific payment. So that's how it changes. So, you know, especially if you got to COBIR, someone else is on there. Now we have to consider their debts and also their income to see if it actually helps or doesn't help you. I understand. So these are all the moving parts that are in a loan process that people don't know about that plays a role where I can get you qualified maybe for in Oklahoma where there's no property tax.

It's almost. Home insurance is virtually zero. You probably might not want to move over there, but you can get qualified up to $10 million with the same amount of income compared to in Vegas or in California. California now, like now you're only qualified up to 500,000, right? So, you know, that's, you start an application. That's why it's important to just start the process because, and most of you are afraid to run their credit when you can actually just do a softball and still look at these preliminary numbers.

Yeah. You have a game plan of like how much it looks like. Right. So then from there, then you could actually move forward because if you're not equipped information, then you don't know how to make the decision. So that's, that's all we're trying to do when we're talking to the clients, give them the information. We'll guide them in certain cases, but overall, those are the important factor to make a decision on that. So, yeah, sorry. So the reason why my, my, my, my,

excited. Yeah. Somebody wants to join the podcast. Come over. Bring forth thyself. Anyway, so, why my, my credit was six 80s, because when I was in college, I forgot to put an auto payment on my new card for T-Mobile payment. And so like... Ah, small payment. And so I know you spoke about credit repay. In situations like that, I know some people get so fed up where it's like something as small as I don't know,

a friend of mine eventually built his creditors go all the way to 700. But what happened, he forgot to pay like, I think he had like an installment of like 20 bucks for something, but it ended up like having a damaging effect when they pulled up his report. So when you do credit report, is there where you can completely remove, like, those small stuff when somebody pays with awful, how does that work? Do you know? Yeah. So if it's like, well, one, like, on-time payments is, like the biggest factor on your credits for.

You know, it's like has the biggest impact. And unfortunately, like, what a credit report is, it just reports what's happened. So if there is late payments, like, you can't unreverse that if that's actually what happened. But in the cases where, like, maybe that account. account went into collections or went into a charge off type of status, then you have an opportunity to maybe pay that off or even as a collection may be able to remove it. Now that's difficult, but that could help out with like increasing your credits for. But there's a lot of different factors to be able to at least help out with increasing your credit score. So technically it won't

completely go off, but there's a way for you to kind of replace it because I paid it off when I realized what it was, but it's still there. That's what I'm trying to say. I'm like it's like it's like a blemish you know. It's like, you know what I'm saying? It's like can you not remove that? They're like no, it's there. I'm like, I'd love to pay it. It's like a hundred and something just to get that like taking care of,

but there's no way to get rid of it, right? Yeah, if there's like late payments, then no. But it will after seven years, then it won't report anymore. So eventually that stuff is going to come off. It's just going to take some time. And I would assume that having something as small as a T-Mobile is better than having like a mortgage that you can pay off, right? Yeah, exactly.

So the different type of account. is actually what's another factor that comes into like what your credit for is so if you're laid on an auto loan it's different than being late on a credit card you know this has a way more of an impact same with like a mortgage you know if you're late on your mortgage that's gonna have a much more worse effect on your credits for versus just being late on a credit card I wanted to get your guys's thoughts I've been doing a lot of studying on Airbnb but I've also been doing a lot of study on Airbnb arbitrage yeah because when we

want to get our home eventually by the end of the year. We wanted to try and potentially either rent for starters for arbitrage in like an area where people are, will attract the market like in California. I would never do an arbitrage in Idaho. We're going to go to Idaho for number one. I love Idaho. I school there, BYU, Idaho. But I'm trying to say like in a market, what's your thoughts on Airbnb and arbitrage? What are you guys' thoughts on there? So, I mean, with Airbnb, like, obviously there's a lot of money in more places that you can make. Do you guys own any Airbnb's? We don't own your Airbnb. I've worked with some people that like they want like financing at certain points. Obviously with the arbitrage is different. Yeah, they're not financing the property.

Unless they are look to own it. But, you know, those are short term rentals which actually the mortgage industry is still catching up to being able to use short term rental as income. And it's been very popular. Obviously, the last few years that's a big source of income for a lot of people. And so, you know, where we're actually helping someone to qualify. I think you had a client that was a, he was a veteran. He actually purchased his property. Yeah, he does a lot of short-term rentals. He doesn't do arbitrage.

Even though, like, in my opinion, arbitrage is, I think it's a great way to start. Yeah. Because if you don't have money, nothing like that, it's a great way to, like, you're still taking on a risk, of course, by doing it because you're still going to be obligated on that lease. But it is a way to still put your foot in the door of at least real estate investing. and I have seen people with success in it so I would just say do your research and then if you can find someone that has maybe a program

that specifically is about like arbitrage then maybe do that first before just going out there risking yourself paying a lease you know I would actually agree 100% with that there's a lot of fake gurus on social media today and I've seen people get like ripped off and like it's like why people doing that

because they don't do enough research to get super excited by like a certain reel that doesn't even seem as legit, you know? And that's part of like this like generation is like anybody can like I can go on make a bunch of videos, act like I know what I'm talking about, use maybe some chat, GBT, right, right, right. They can sound like I'm smart and then like, you know, you can like get people to buy your your product and it's like it's you have no experience though. So that's a lot of that's out there. That's also where we try to surround ourselves with people who are successful in that regard just with experience and

business that are not just like fakes yeah so now that's that I couldn't agree more and leading on to that actually how has technology impacted your work in the sense I don't think you guys saw we probably have Instagram recently released the new thing they're going to be doing to try and verify accounts I often think there's going to be a lot of pros and cons to that because like the fakes will now get like a you know a blue ticket swab but getting back to that or how has technology like impacted you guys as working home loan and mortgage industry yeah well honestly tremendously there's a few points of technology with number one I think the hot topic right now is AI which is like how you actually use AI of Chad GBT you

know right now like it's it could create your email campaign so as far as sales and marketing standpoint like that's we're getting a lot of execution done faster before we have to outsource or at least get someone to do some of these things and as far as the marketing or editing or even prompts and getting these words docs that we needed. Now getting in the tip of our fingertips and like getting it now, now we could actually start executing more on content as far as for ourselves and our loan officers as well in our team. And then on top of that, like our brand that we like to have for a harm your helmet, with the speed, technology and service.

And with technology, like we have our own operations inside internally to provide a better consumer experience throughout the whole process. online as far as application goes, very smooth, user-friendly. That's not something that was used beforehand. A lot of times when I got started industry, it would be over-the-phone application, and you'd have to either write down or put down on email. That's often changed down to online application forms, but even the whole experience down to our partners and our real estate agents that work with us,

they're also getting included in the technology and using it in order to provide a better experience only for themselves, but they're clients because as long as the client experience is managed well and like they're actually getting something out of it whether it's how fast the clothes or the speed of getting their approval or getting answered quick back to us and like anything available yeah lower costs all that does is like we now could be more competitive and be in the market and compete with the big banks because now we're able to offer lower interest rates lower costs and we give that back to the consumer because of technology. Technology allows us to do that and be able to deliver on a faster

experience, which then turns into better client experience and then gives us more referrals or deal for the partnerships with agents. And so I would say technology is probably the biggest thing that has affected us, especially in the last two years. With AI now, I can't tell you what's where we're going to go. Yeah, what I did as well, I had a friend of mine who was trying to like do research for something. And he showed me like, chat GPT, and he typed something out. I'm like, what is going on? Yeah, that's crazy, right?

And I think I saw, like, a few trends where it was actually, like, retaliating to people, like, trying to, I don't know if you guys saw that, like, it's like, it's been, and Elon Musk's like, oh, you guys need to stop this thing as soon as possible kind of thing. So I think as we grow more with technology, it's going to be a lot of, like, cons as well, not just pros. Do you guys agree with that? Yeah, I think on the AI side, for sure, we don't really know where that's going to lead us to.

But as of right now, we're just trying to take advantage of, like, the technology and how it can benefit, like, us and also, like, the consumer because, like, like, you know, saying is, like, it's very, it's allowed us to, like, execute a much faster level already. And with the technology that we have in our system, in our company, it makes the experience a lot better for the consumer. Because our industry is, like, very outdated. Yeah. You know, mortgage industry, real estate industry, it's one of the last industries to probably get updated, you know. we're going to slowly start seeing more like crypto into like the market as well where there's like crypto mortgages coming out soon and there's been one already that has come out but it's a very outdated industry you know the average loan officer is 52 years old wow that's crazy before we're

going to how people can get in contact with you guys i want to just like make a real day like example like let's say i'm coming now as a client like it's my first time i saw a home in henderson going for $450,000. Like, how do you walk me through the various steps? Like I'm coming to you, I want to buy this house. Like, and I have a, let's say, a 625 credit score. Like, what are the first steps we're going to go through with that? Yeah. So, I mean, the first step is going to be completing application. I'll see. That's just an information that I'm going to need in order to get you a pre-approval letter because that's the next step that we're trying to accomplish. It's getting you an actual pre-approval letter letting you know how much you qualify for. So typically we just sit down and have a conversation

whether it's over the phone in person. And I really just ask you what you're trying to accomplish. I'll see if you look for an comp. I found this home, $450,000. I want it now. Okay, perfect. Fill out this application or just give me the information over the phone. So I'm going to ask you about your two-year work history.

As far as the last two years, wherever you work. Do you need bank statements? Do you need like pay stuff and stuff? Yeah, and that's once I get the information I know as far as like your history of your work, your history of last years of where you've rented unless you owned. and then also just in general how much assets you have. Once I collect all that information, then I'm going to ask you, okay, now let's support that with documentation and prove it. Okay, so driver license, so security card, bank statements, or whatever the money is sitting at,

like, okay, we're having those statements, pay stubs for the last 30 days, and any additional documents standing on your situation scenario. For once we see you that, we review it all. We get your back of pre-proval letter, let you know how much you qualify for or not. And if we can meet the limit to the $450,000 on our purchase. If it all works out, great. You get you a pre-prolure right off the bat. That's where you use to go out shopping.

That's where you use to submit offers to the sellers with a real estate agent. And that's where you use. So once you get, okay, you negotiate the deal, perfect. You have a contract now. You're fishing and contract to purchase that home. You put it in your early deposit was just a holding made. Yeah, a holding of you moving forward on that contract. And we schedule closing at that point.

They start the process with your agent. Typically, we're closing 21 days or less. That's quick. Let's less in a month. Yeah. Is that the average? You know, average is like for the industry's like 30 days, maybe a little bit longer.

But with us is like working as a broker. We can do 21 days or less typically. And this also involves like the technology aspect of it. Like we're heavy in investing in technology, the service, the client experience. And so like, you know, we had one. This year we closed the, loan in 12 days, you know, that's a home purchase.

Like, that's usually not unheard of in that quick, you know. But if we're doing our due ledges up front as far as obtaining your documents, obtaining information and we're equipped with information ourselves on how to qualify you to forward, you might not have an experienced loan officer you might be working with, or they might be working at a retail bank that they might not have actual tools or resources to qualify you correctly at that fastest pace to close on your transaction. But yeah, so we'll close that part. You know, you do typical inspections, appraisal.

We verify all the income again and with employment, submit everything to the underwrite to get a final theater closed. After that, it happens to the schedule closing. You sign your final documents and we'll fund a loan and shortly after your property records into your name and you get your keys in. Wow, wow. Thank you that. You really elaborated and explained that in depth. I really appreciate that.

Last two questions I have for you guys. I really appreciate your time yet again. appreciate your time yet again. Number one, I want to know what has made you guys so successful at like such a, you know, a rapid pace because the trajectory just seems to be heading this way, like how you guys outlined like your, you know, the blueprint, how you guys started off, what makes it successful on dropping here? Like how can somebody like follow the same path you did, even if it's not like in that, in that field, but any specific field, what makes it successful in dropping here? Yeah, I would say we have a saying in our office that's poked it on

a wall. It says never quit because I didn't get a formal education. I dropped out and I was actually going for school for entrepreneurship. So fun to say that it really just comes down to never quitting on your actual goals because I never was expected to own a mortgage company. I didn't know I wanted your own mortgage company. I didn't think I was going to own a mortgage company. But now I'm in this now as a full entrepreneurship. You know, obviously make money, had employees, make an impact. talking to you, you know, talking to people, meeting, networking, and that was never an actual thought that I thought I could do. And in an entrepreneurship, I just fell in love with it, honestly, because it's so challenging, there's so many failures, number one, and you're going to

come across those obstacles time and time again, and my model was just never quit. Because if you never quit, then you don't lose. And whether you're at zero, whether you're at, you know, 10 million, whatever may be, like, you continue moving forward because you just don't quit and like that's that's been my motto overall in regards to entrepreneurship in general obviously you want to surround yourself to great people you know I think that's like a shortcut that I didn't have is like I didn't have mentors so I sealed myself and cost me time energy and resources but I would say if if anything you could do find someone that's in your space because there are people out there willing to to provide you and give you those road steps

as long as you're willing to work for it 100% which goes with one of my favorites saying your net worth is your network or your network is your network you know the more you end up like just engaging with people getting to find out about them eventually you're surrounding yourself with the five people which are the average of what you're going to be eventually as well and then just for our viewers as well how can people come in contact with you like what are your social media platforms like instagram facebook twitter youtube what are ways people can get in contact with you guys yeah most definitely so we have our instagram like account together the thanking brothers on Instagram. I like your reels, by the way.

We try to make it, you know, funny, entertaining and educationals. The last time I saw twins that funny was the Hodge Twins. I don't know if you guys follow those guys. We went to, they went to, oh no, no, no, they didn't go out here, but I know the other thing was about it. They're hilarious, honestly. But at the banking brothers and for myself at Kevin Debeau and for him too. Yeah. And so mine's at at Ian Dubot. And that's all all platforms. So yeah, the banking brothers, you'll find us together doing our content. Awesome.

Yeah. Actually, one last thing. You guys have a chance to redeem yourself right now. Who is the goat? Of football. I mean,

not earlier we gave a wrong answer, but this is the last chance before we conclude. Like, who's the goat of football? Like, and I speak about soccer football. Honestly, AJ is very but heard about his loss as by Ronaldo and at when we both found out. But we know the best.

And I mean, I love them too, but we know the best. Bessie. All right, guys. I really do appreciate them. Thank you very much.