The Real Estate & Mortgage Marketing w/ Norm Podcast

Interview with the legendary Luke Toone of LGCY Power☀️In this podcast, I interview the legendary Luke Toone, co-founder and Chief Sales Officer of LGCY Power, the nation's largest retail solar company.  Even with their meteoric growth, Luke helps LGCY Power adhere to their people-centric mission: "To become the best version of ourselves while helping others do the same." In this super fun chat, Luke talks about his background in Utah, meeting Doug Robinson and together starting LGCY, what makes their solar company different, and his vision for the future of solar (which is now). We even got to talk some NBA hoops and Luke shares a little of his other passion: being a certified sneakerhead! You'll love the insight and authenticity that makes Luke such an integral part of LGCY Power. In fact, you can say he's absolutely legendary!  -Norm Schriever P.S. You can check out Luke Toone on IG @luketoone and LGCY Power at LGCYPOWER.com

In this podcast, I interview Doug Robinson, founder and CEO of LGCY Power. ☀️ LGCY Power is now the nation's largest private residential solar sales company, winning numerous awards and accolades as one of the fastest-growing companies, one of the best companies to work for, and many more. ☀️ But when Doug Robinson started the enterprise back in 2014, he had little more than a vision that solar and clean energy would “win” and the diligence to play the “long game” to see that through. ☀️ Together with co-founder Luke Toone, Doug has built LGCY Power into one of the nation's premier sales firms in any industry, with a mission “to provide an extraordinary customer experience while becoming the best version of ourselves and helping others do the same.” ☀️ However, in this podcast, Doug and I talk very little about solar or even sales. • Instead, we chat about his background, life experiences as a young man, and his LGCY “backstory,” • How the lessons he learned playing sports and college football translate to business leadership and teamwork, • Why his life's work isn't about sales or profits but empowering people to reach their potential and helping others, • A little adversity and a lot of hard work are part of the recipe of success, • The importance of perspective and focusing on what makes us the same – not different, • Doug's belief in Tenacity, Talent, Timing in life, • The salesperson's role as a wealth builder, • His unique notion of company culture and how he strives to implement and embrace that concept every day, • Some of the best books, coaches, and mentors that have helped him along the way, • And the advice he'd give himself as a young man. ☀️ Throughout this year, I've had the privilege of getting to know Doug as a boss and also a friend, and he's become someone I really respect. ☀️ So, I'm excited to share some of his business wisdom but also his humanity in this interview. -Norm Schriever :-) ☀️ For more information about Doug Robinson or LGCY Power, go to LGCYPower.com ☀️ Or follow LGCY Power on Instagram @lgcypower      

There's a LOT of money to be made in real estate; I don't need to tell you that. But there are far more real estate investment strategies than just buying a home and waiting for it to go up in value, purchasing a rental property that earns cash flow, or trying to flip a house for profit.In fact, wholesaling is a best-kept-secret among seasoned real estate investors, and that's where Anish Dave comes in. As the co-founder of BREIA, the Broward County Real Estate Investors Association in south Florida, Anish is an accomplished investor who's turned his focus to mentoring others. With a close affiliation to the National Real Estate Investors Association (NREIA), Anish delivers a unique mentoring and coaching model to neophyte investors. Instead of just educating their mentees and releasing them into the wild to fend for themselves, BREIA actually partners with their students, pounding the pavement, walking through homes, and even putting up 100% of the funds their students need to make these purchases. They even work extensively with NFL players and other athletes, teaching them how to make best use of their earnings.Anish is one of the savviest investors in the country when it comes to wholesaling, which means you buy low and sell a little less low, making potentially tens of thousands of dollars within a few hours of the purchase and at no risk.I've done a lot of work with Anish, his partner Ryan Kuhlman, and their organizations, and I can tell you that these guys are the real deal and really care. They make plenty of money, but that's not all it's about for them.And in this podcast, Anish also gives us some really apt analysis on where our current real estate market will turn, including a tsunami of distressed properties again, which has true investors licking their chops.I actually met Anish years back in a crazy social situation – a bachelor party week in Nicaragua (yes, you read that correctly!) where we barely got out unscathed, minus the bachelor, who left after the first night!Hence, that's why I'm wearing my Nicaragua baseball jersey in this video interview with Anish.Enjoy this podcast interview with one of the best real estate investors you'll ever meet - and enjoy one of the funniest stories you'll hear at the very end about a Columbian condo, a new couch, and Pornhub! (NSF).-Norm :-)To contact Anish for questions or mentoring, email Anish directly at anish@wjl.netOr you can check out BREIA at https://breia.com.

Today I wanted to introduce you to the coolest mortgage broker in the biz, Julie Yarbrough. With a past resume that includes being the President of a bank's mortgage division, a VP role at BBVA Compass, and then the Area Manager of Land Home Financial Services, Julie is definitely a mortgage “lifer”.But she chose the best for last, becoming a managing partner at Empire Home Loans Inc., a people-centric mortgage firm in Sacramento, CA. Julie took that leap and was tasked with the most pivotal component of the whole operation: PEOPLE! “My strengths are found with people,” says Julie. “Coaching people, hiring people, and leading people – not just managing. So, my mandate with Empire Home Loans was always simple: to recruit the right talent, develop them, and put them in positions to succeed.”For instance, one of Julie's goals with Empire is to use her platform as an owner to empower other women in business, helping them shatter the glass ceiling in the real estate and mortgage fields. That's no small feat, but if anyone can do it, it's Julie, who's graduated from some of the finest leadership, communication, and management courses in the world like the National Speakers Association NSA. She's also served as the PR Chairperson of the Sacramento CAMP Board for six years, co-chaired the Women's Round Table – a business mastermind group, and graduated with distinction from Future Leaders, CMBA through Pepperdine University.Not only will she serve as an ambassador to loan officers who want to join the Empire Home Loans team and learn how to thoroughly outpace the competition but use her vast experience to create the best user experience in the entire mortgage industry. Anywhere. Period. “It's my job to establish our marketing and branding, but, most importantly, to drive a winning culture. The main reason why the three of us are such great partners is that our talents are all so different. I say culture eats strategy for breakfast … and Anthony says a great strategy should include culture. Of course, we're both right – as long as the client benefits!” Enjoy this podcast with Julie Yarbrough, the coolest mortgage broker you know!

We talk a lot about real estate and home loans in this podcast, but no matter how much you earn this year, properly managing your money is paramount. We owe that to our families, our children, and ourselves. Unfortunately, we're not doing that so well collectively: • In fact, the US personal savings rate is near all-time lows, • The average person is woefully unprepared for retirement, yet alone comfortable paying for college or even healthcare. • And many of us are living paycheck-to-paycheck (especially these days).• I read a stat recently that if you have $10 in your pocket and $0 in debt, you're better off financially than 40% of Americans.That's scary! And just because you make well into six figures as a Realtor, loan officer, or small business owner, it doesn't mean immune from financial worries. We all should be investing in education and planning for a better financial future. So, today I'm enlisting the help of one of the premier financial planners to do just that: Brian Boyd. Brian, who also happens to be a great friend of mine from when I lived in Sacramento, Ca, is the founder and principal of Boyd Wealth Management, an elite financial planning firm that deals with high net worth individuals. I know…there are a lot of great financial planners out there (in their own estimation), but I'll tell you what makes Brian different: He operates on an extremely high level on behalf of his circle of clients, but still believes in transparency and simplicity. It was Albert Einstein who said that the mark of true genius is being able to take a very complex topic and explain it simply (I'm paraphrasing), and Brian manages to do that with aplomb. So, I was thrilled and honored that he took a couple of hours out of his bustling schedule to jump on the podcast and offer some sage wisdom about what his wealthy clients understand about money and finances that the average person may not. We could all tighten up our knowledge, planning, and discipline when it comes to investing and managing our finances, and you'll be closer to that goal just by listing to Brian's wisdom. Enjoy - and feel free to check out Brian by subscribing to his insightful financial newsletter at https://boyd-wealth.com/blog Your friend, Norm :-)The Boyd Wealth Management investment philosophy: • We believe a disciplined, well-defined process leads to favorable investment outcomes over time • We believe in diversification and will create a fully customized asset allocation based on your individual risk tolerance, goals, time horizon, and tax situation• We use evidence-based security selection and portfolio rebalancing to remove emotion from the decision-making process 

In the early  2000s, I lived in Sacramento, CA, and found a boxing gym called Prime Time Boxing that sit right in one of Sactown's gritty hoods.(Shout-out to the 5:30 am Prime Time crew there on Del Paso Boulevard!)Going there and learning how to box for the first time... | was one of the best experiences of my life, not only because of the training but the people I met there, including the club's owner, Cary Williams. ​​I became friends with Cary and over the years, always admired her knack for marketing, self-promotion, and never-ending hustle. Of course, I also respected her because she is a hell of a boxing coach and really knows her stuff!Since then, Cary has moved to Los Angeles, where she owns The Stables boxing club and does her thing to a bigger audience.In this podcast, I chat with Cary about boxing but also business, including the challenges of being a female small business owner in a predominantly mens' sport.Enjoy this fun chat with Cary Williams and to find out more, here is an excerpt from her bio at CaryWilliams.com.-Norm  :-)***Cary Williams is a former Olympic style boxer, Olympic level boxing coach, boxing club owner, cover model, speaker and entrepreneur. She has now created Boxing & Barbells which is a class format fusing boxing and weight training together in a fun and easy to learn format.Cary has contributed to SHEKNOW.COM, EHOW.COM, LIVESTRONG.COM and ADRENALIST.COM and has been a guest on many radio shows and television news shows. Cary has been recognized by The California Legislature along with Brandi Chastain and several other women in sports for her contribution and impact on girl's sports.In the boxing world, Cary boxed competitively in the amateurs and won the Pacific Northwest Women's Tournament before hanging up her gloves. She is a Level IV Boxing Coach and was also selected by USA Boxing to certify trainers as LEVEL I and Level II USA Boxing coaches. She also received a certificate of completing for the Elite Boxing Coach Clinic at the Olympic Training Center. Cary has trained many boxers, some of which have made it to Olympic Trial Qualifying Tournaments.To get in touch with Cary, follow her on Instagram @caryleewilliams or @thestablessm

In this podcast, I have the pleasure of chatting with my great friend and one of my mentors, Tim Schmidt.Tim has been grinding in the Search Engine Optimization and e-commerce industries since the early 2000s, way before most people even knew what those were.Over his many years of experience, he's worked with some of the top brands and businesses in the nation, propelling them to new heights by helping them rank on the first page of Google - without short-term (BS!) tricks and gimmicks.Tim is highly sought-after in the industry, appearing on stage alongside of the industry heavyweights like Jordan Belfort, the real life Wolf of Wall Street, and speaking at top conferences and seminars. He's built many online brands into seven-figure successes on Amazon.com, eBay, and the web, including skyrocketing within the e-cigarette space and now, with SkinPro.  His coaching and mentoring are also some of the best you'll get anywhere - and far from the clickbait (BS!) get-rich-quick offers on Instagram and the web these days.Most recently, Tim released his first book, Amplifying Average, which quickly became an #1 Amazon.com best-seller!  On this Zoom beer & chat in late March 2020 (it was nice and warm in Florida for Tim but freezing on my mom's front porch in Connecticut!) we talk about the state of the industry, best practices, dispel some common myths.We also get Tim's sage advice on what the average Realtor, mortgage lender, or small business owner can do to boost their brand online.To get in touch with Tim Schmidt, hit him up at TimSchmidt.com.Your friend,-Norm  :-)

In this podcast, I had the pleasure of interviewing someone who I really have grown to respect and call a good friend, Noel Lagman Naguiat.Born and raised in Canada, Noel worked as a creative director for one of the top advertising firms in the world, as well as earning individual awards and accolades.But he felt the calling to spend more time in the Philippines, where his family is from, and fell in love with the Southeast Asian nation of 7,500 islands.Fast forward a couple of short years and Noel is moving and grooving in Manila, becoming one of the most notable entrepreneurs and branding icons in the country.So, what's the secret that's allowed him to achieve massive success in not one but two hemispheres? Noel only works on projects that are fun and inspire his passion, and focuses more on helping and connecting others than promoting himself. ​The result is that he's got the top networking lounge in Asia and one of the top up-and-coming podcasts, All In. Enjoy this conversation with Noel about his background in advertising, his journey to the Philippines, his mission to empower others, and why he's actually optimistic about the future!Give a big thank you and 'salamat' to Noel for sharing his time and check out his podcast!-Your friend,Norm :-)

Consumers can find a mortgage refinance calculator just about anywhere these days.  Most of them are even fairly detailed, allowing homeowners and borrowers to ascertain their future payment, play with interest rates, and figure out a “break even” number for refinancing.Every day, people make lending decisions based on the information these calculators spit out. | For instance, many of us approach (or sell) a refinance like this:  If we lower your interest rate by .5 percent (as an example), you'll save $300 per month going forward - and the cost of the refinance will pay for itself in 2 years.  Of course, that logic looks familiar.  Except there's one small problem: these mortgage calculators are WRONG!Incredibly, the equation that most of us are using when we put numbers into a refinance savings calculator is dead wrong. As you'll hear and see in this podcast with Casey Fleming, there's one essential element these refinance calculators miss: amortization.Sure, they allow you to input how long you'd like to amortize a new loan (like over 30 years), but it didn't account for how far into the amortization curve your CURRENT mortgage loan is when you refinance.  And as we know, the true cost of your loan is based on principle, interest, and TIME, since the amortization curve is so steeply in favor of interest early in the loan. This universal shortcoming was brought to my attention by Casey Fleming, a gentleman who's spent his storied professional career refining the technical aspects of mortgage lending. Living in California's Silicon Valley, Casey's client base was predominately made up of computer engineers, who demand unwavering scrutiny with every number and scenario. However, even back when most mortgage calculators were on Excel spreadsheets, an engineer pointed out to him that the math was incomplete because it failed to account for one variable: how far along the homeowner currently is in their amortization schedule. But just because he knew what was missing, it didn't mean it was easy for Casey to correct the problem, and he spent significant time and energy redrafting the correct mortgage calculations, like a mad professor.The result is that Casey Fleming most likely has one of the only mortgage refinance calculators that's 100% accurate.It's also held up under scrutiny by engineers, computer scientists, and mathematicians ever since. This epiphany led Casey to write The Loan Guide: How to Get the Best Possible Mortgage, an incredibly in-depth manual for any consumer or even mortgage lender. I don't expect this inform

In this podcast, I chat with John Coleman, who's a mortgage lender in Dublin, Ireland. Although John is always humble and self-deprecating, I joke around by calling him "The Mortgage Champion" because I've witnessed how much he does to help his clients.In fact, the real estate and mortgage system in Ireland is far different than  here in the United States, and a good mortgage lender wears a whole lot of hats. The process of getting qualified for a mortgage, finding a home, and getting approved takes a whole lot longer, so buyers almost need to be groomed over months before they're ready.​(You'll be blown away by how incredibly stringent Ireland's credit standards are.)Through the course of this enlightening 50-minute conversation with John, we explore these questions:What's the real estate market like in Ireland?How is Covid-19 affecting the market and economy?How many people own a home in Ireland, and how has homeownership changed over time?Why does Ireland have so many great business opportunities with notable international companies setting up shop there?What are interest rates/down payments/qualifying standards like for Irish buyers?There's also a significant contingent of foreigners who live in Ireland - 10% of the population is made of expats or foreigners who live there? In fact, a lot of Americans head over to Ireland to work and live, enjoying the charm and slower pace of life. What do they find when trying to buy a home?Tune to this podcast with John Coleman  - the Mortgage Champion of Ireland!-Norm. :-)REMnorm.com

Today, I had the pleasure of chatting with Cam Villa and Rene Jacques of the Golden Bay Mortgage Group in Sacramento, California. I actually heard of Cam and Rene and the great work they do long before I first was introduced to them, as Realtors, consumers, and others in the mortgage community raved about their innovative approach. Their reputation may precede them, but they also exceeded my expectations when it comes to being at the top of their game. They may attack their day with an athlete's mentality, but their expertise in the mortgage field and use of systems and efficiency would be the envy of any modern, tech-central firm. Over our nearly-hour-long conversation, I found out a lot about Cam, Rene, and Golden Bay Mortgage, but mostly how they displayed HEART and HUSTLE day-in and day-out to benefit their clients.  Genuine, dedicated, balanced, and forthright, the best way I can characterize Cam and Rene is that I'd trust them with my own mother's refinance! To hear their story and get to know Rene and Cam of Golden Bay Mortgage, give this podcast a listen, a like, and thanks for sharing!-Norm  :-)REMnorm.com

Brent Gove was already a real estate “lifer,” having grown up to parents in the business who moved the family from Southern California to Sacramento when he was a kid. Brent joined the business eventually, too, and went on to success at ReMax and then Keller Williams that would make most agents envious. But, in 2016, he saw that there was a brand new way of doing business that was going to soon revolutionize the industry, so he made the leap to eXp Realty where he started his own team.At that time, the concept of virtual and cloud-based real estate organizations was foreign to traditionalists, and one broker even laughed in Brent's face when Brent told him about his plans. Although Brent is careful to point out that the broker wasn't being malicious at all, as well as the fact that ReMax and Keller Williams are both GREAT organizations with a lot to offer.But Brent saw changes coming and had bigger goals: to build an actual business, not just be as good a his sales, transactions, or even team every year, and eXP allowed him to do that.He's spent the last three years pounding the pavement, telling tens of thousands of agents around the country about eXP, all the while maintaining an elite home sales team in Sacramento, California that's on pace to out-out produce most of the other traditional real estate companies in California this year.(Yes, you read that right - his own personal team will eclipse the sales of some of the leading firms in their entirety!)Sure, the titanic commission checks are nice (he showed me one at my urging and I almost choked on my coffee!), but most importantly, Brent is having more fun than ever, helping a whole lot of people, - both homeowners and other agents, and building a business that will provide passive income long after he stops working or chooses to step back.Which leads me to the question:Who's laughing now?!​Enjoy this podcast with Brent Gove of eXp Realty!-Norm  :-)REMnorm.com

“The words you communicate determine the profitability of your business.” That's a powerful statement by Tom Bresnahan, speaking and presentation coach to the Hollywood stars.Once an accomplished movie actor himself, Tom, who is originally from New York (and still a Mets fan), started using his acting and silver screen chops to coach other stars, then countless CEOs, business execs, and other public figures. In this podcast/video, I have a fantastic conversation with Tom thanks to my friend Kelly Resendez, VP of a large mortgage company and president of Big Voices Rise and the Foundational to Sustainable Success. Kelly is a stellar coach, presenter, and mentor, herself, and was kind enough to introduced me to Tom and host us on this call. Through our chat, I learned how Tim's coaching business is flourishing, as he digs deep to identify and remove stumbling blocks that affect our confidence and mindset, helping people step onto the biggest stage of their lives and absolutely NAIL IT! In a world where public speaking is ranked ahead of dying as one of our top fears, the vast majority of us neglect our interpersonal communication skills. ​However, at least 90% of communication is non-verbal, and our prospects and audience usually like us (or not) and form lasting impressions within seconds after you start speaking. But Tom's sage mentoring doesn't stop at speaking, as he works with people on all forms of messaging and different forms of communication, drawing on his deeper experience as a producer and writer in Hollywood,  Tom does all that and more, with the mission to help people find their authentic voice and realize their superstar potential to connect with people (and make the sale!) According to his website, TomBresnahan.com, Tom will help you:Learn to communicate profitablyLearn the proven transformational storytelling frameworkFeel confident on stage, on camera, and on networking events.How to scale your business without Facebook ads or funnels, And much more.Give it a listen to get to know Tom Breshahan and Kelly Resendez, two business communication superstars who can help you become the same!Your friend,Norm  :-)REMnorm.comGet in touch with Tom Bresnahan at (415) 920-3163tombresnahan.com​Get in touch with Kelly Resendez:(916) 834-1721bigvoicesrise.comftssforsuccess.com

If you're a Realtor, you probably have a whole list of mortgage lenders who are trying to get your business, offering to take you out to coffee, sending you useless swag, and promising the world in return. You give them scores of leads and loans every year, but see very little in return.And if you're a mortgage lender, the opposite is true: you feel like you're always big-game hunting Realtors, pretending to have a deep, mutually-beneficial relationship (when you really don't), and scrambling to offer any shred of value so you can fill your pipeline with buyers. Most would argue that the traditional Realtor/Lender relationship is broken, or, at least imbalanced and inefficient. The result is a lot of wasted time and a lot of potential income left on the table.That is, until now, because this Realtor and mortgage lender, together with their business coach, formed a new system that reinvents the Realtor/Lender relationship.Tune in to this special video podcast to learn from Brendan Donelson, Josh Anderson, and Dino Rosetti on how you can become the ultimate business partner and 10x your income next year! -Norm Schriever  :-)REMnorm.com

It doesn't matter if you're a Realtor, mortgage lender, financial planner, police officer, or construction worker; these are some tough times.The Covid-19 pandemic is affecting all of us, not just financially but especially taxing to our mental health. (I'll admit that I'm definitely feeling it and welcome a check-up from the neck-up!)In this podcast, I'm honored to chat with one of my old friends and a man who's always been solid as a rock in the community, Mike Shaldone.I first met Mike when he was a financial planner, but he pulled a 180 and went back to get a degree and get certified in counseling because his passion was to help others.Since then, he's worked in some of the toughest prisons in California and now as an addiction counselor in a halfway house, putting Mike is on the front lines of the mental heath crisis, social issues, and treating  our society's forgotten people.Today, he discusses the mental health impact of the Coronavirus and stay-at-home orders, including how to deal with anxiety, depression, a lack of social connection, and other mental health issues.Mike also outlines how we can all practice self-care and be healthier with the MEDS system: Meditation, Exercise, Diet, and Sleep.But you don't need to be in and out of prison to benefit from Mike's counsel and care, as he's also launching several non-profits to catch those who have slipped through the cracks of our society.Please remember that you need to be strong right now, both for your clients, your employees, your family, and your community. But that starts with taking good care of yourself, and talking about and nurturing your mental health is STRENGTH - not weakness. Mike's got some really great insights and strategies to help us all during these tough times, so enjoy the podcast!Thank you, Mike, and be well, everyone! -Norm  :-)REMnorm.com

There's no doubt that these are some uncertain and scary times, and that's exactly when we look to professionals and leaders to guide us. And Taylor Greer of Carlile Realty & Lending in Sacramento, CA, is one such leader. With decades of experience as a real estate broker, agent, investor, lender, and even on the appraisal side, Taylor has an informed, balanced view of the business like few others. So, I wanted to talk to Taylor this week as we're in the midst of the Coronavirus pandemic, asking him the important questions that are on the minds of homeowners but also real estate and mortgage professionals. Thanks for listening and spending some time with Taylor and I, and keep safe and healthy, everyone.Your friend,Norm :-)

Joe Semaan spent more than 13 years as a high performance sales producer and director across multiple industries. However, during that time, like many, he also experienced the extreme ups and downs that often come with sales. After going broke twice and even becoming homeless throughout the journey, Joe became obsessed with searching for answers...like what separated the average from the TOP salesperson in any field?That's when the magic happened. ​In January 2006, Joseph made a life long commitment to finding hidden answers, secrets, and knowledge that would soon launch thousands of people and dozens of organization to the next level.For over a decade since, Joe has dedicated his career and life to understanding human performance in the business and sales world. In fact, Joe has mentored and spoken to over 300 organizations in over 20 industries including audiences for giants like Microsoft, Bank of America, Wells Fargo, Equinox and many other leaders in the financial, technology, professional services, and marketing verticals.And now, he's sharing his findings and thousands of experiences with the world.Enjoy this special video podcast with Joe Semaan!You can get in touch with Joe...Email: askjoe@joesemaan.comWeb: https://www.joesemaan.comInstagram: @joecoach

 | I'm super honored and fortunate to have the chance to sit down and hang out in South Florida with Ryan Kuhlman, who just took office January 2020 as the youngest-ever President of the National Real Estate Investors Association. On this podcast (part 2 of my interview with Ryan), we cover Ryan's background and how he got into real estate investing, the difference between speculators and investors, the nuts and bolts of wholesale investing, helping others, his hopes for the presidency of NREIA, and more. Check it out here, thanks for sharing, and contact me if you need any help with your real estate or mortgage marketing!​-Norm  :-)​PS You can listen to the first podcast with Ryan Kuhlman here.  | 

In this podcast episode, we zoom out from talking about real estate and the mortgage market and focus on the economy on a macro level.I had the pleasure of interviewing Jason Matthews, an old friend and president of Matthews Financial & Insurance Services, an elite financial service firm in California's Bay Area. Not only is Jason Matthews a financial guru and community advocate, but author of the book, The Age of $elf Reliance. Within those pages, Jason outlines why the next financial crash is inevitable, why it will be the worst Recession we've seen in our lifetimes - or even another Depression.But Jason also documents how the average person can bulletproof their finances to not only survive but thrive during the upcoming financial downturn.The Age of $elf Reliance is a great read for every Realtor, mortgage lender, or any average consumer or employee in America.Enjoy the podcast with Jason Matthews of MFIS.bizand feel free to contact him with any questions!Your friend,​-Norm  :-)

Uriel Carrazco can save you millions of dollars. I may be in marketing, but that's not hyperbole.As the founder and president of Innovative Tax Solutions in Sacramento, CA, Carrazco has long been the industry leader in specialized tax credits, saving his clients countless millions of dollars.Whether they're a Fortune 500 company, and mom & pop grocery, a construction company, or, yes, a real estate or mortgage brokerage, a series of tax credits exist on the books, both on a federal and state level.The problem is that the vast majority of consumers don't know about the New Employment Credit, the California Competes credit, R & D credits, and the  Work Opportunity tax credit.And while most CPAs and tax preparers are vaguely aware of these niche credits, they don't specialize in them (and the regulations change constantly), making it impossible for them to find and execute these credits on behalf of their clients.Therefore, most small business owners - and even real estate and mortgage brokers - are leaving money on the table every single year!But Innovative Tax Solutions can dig into their books along with their current CPA, (not replacing them) and identity these missed opportunities and apply for them, sometimes up to four years retroactively!The best part is that the client won't pay a dime to Innovative Tax Solutions until the client gets a big, fat refund check. It's no wonder why Uriel and his firm are highly sought after, have no need to do advertising, and most of their business comes from referrals or other CPAs. But today, I had the chance to sit down with this busy man who saves people millions of dollars for a living. Even better, I pick Uriel's brain on his incredible rags to riches, American Dream backstory, as well as the habits and mindset that has made him so successful - but still a well-balanced, down-to-earth guy.​Enjoy the podcast with Uriel Carrazco of Innovative Tax Solutions!-Norm  :-)

Now one of the world's most popular motivational speakers, Hal Elrod talks about the life-altering tragedies that he turned into a huge blessing for millions of people around the globe through his Miracle Morning book and program.​Hal also talks about how he can help folks in the real estate profession, and reveals some deep and personal insights for the very first time publicly.Seriously, you've got to give this a listen from start to finish!It's the evolution of Hal Elrod with Norm Schriever.-Your friend,Norm  :-)

Credit scores may not be an issue for your home buyers and refinance-rs (is that even a word?!) now, but that will change once the economy slows down and rates crawl back up again. ​And when that happens, you'd be well-served to team up with Jeff Sipes of Blue Water Credit to help your clients - and generate more business.Ever since the crash and recession more than ten years ago, I've had the pleasure of working with Jeff & Natalie Sipes, a husband and wife team who own Blue Water Credit in Roseville, California. I can honestly say that they're the best in the industry when it comes to legal, ethical, and effective credit repair, and I've referred scores of happy clients to them over the years.In this world of self-promotion, social media blowhards, and slick marketing, it's comforting to know someone like Jeff and his Blue Water Team, who do a rock-solid job for each and every client, each and every time.In fact, I had Jeff, Natalie, and Blue Water tackle my jacked-up credit last year, and it's now well into the 700s (no small victory!).Even better, Jeff focuses on offering invaluable free education about credit, debt, and credit repair, so I encourage you to listen to this podcast interview and check them out at BlueWaterCredit.com-Norm Schriever  :-)

United Wholesale Lending top-producer Albert Chavez talks about the current state of the real estate market, our crazy low interest rate environment, what makes consumers tick, and life's challenges.He also shares some intimate, in-depth stories of starting out in the business, the struggles we all go through (but few will admit), and the personal growth he's found on the other side. This is a can't-miss conversation!

In this Real Estate Marketing w/ Norm Podcast, Taylor Greer of Carlile Realty and Lending shares how he teaches his clients to build wealth through multi-family real estate investment.

The Real Estate Marketing w/ Norm Podcast Episode #8/ Ryan Kuhlman, President of the National Real Estate Investors Association. On this podcast (part 1 of 2 of my interview with Ryan), we cover Ryan's background and how he got into real estate investing, the difference between speculators and investors, the nuts and bolts of wholesale investing, helping others, his hopes for the presidency of NREIA, and more. Check it out here, thanks for sharing, and go to REMnorm.com if you need any help with your real estate or mortgage marketing!

Today, I had the pleasure of interviewing Kelly Resendez, who I call "The real estate and mortgage rainmaker" because she does so much to empower and enliven professionals in those industries.Author of Big Voices and million-dollar sales coach at the Foundation for Sustainable Success, Kelly has long practiced what she now preaches as an Executive VP at the Paramount Partners Group.Give the podcast a listen as Kelly covers what it takes to be successful, getting out of your head and shedding bad habits, managing stress and self-care, and what all top-producing Realtors and mortgage lenders have in common.You can find out more or reach Kelly through:​https://kelly-resendez.mykajabi.com/ftsshttps://kelly-resendez.mykajabi.com/bigvoices

Home inspections are critically important when buying a house, yet so few Realtors, lenders, and others in the business know much about the industry.In this podcast, badass home inspector Jeff Schwedhelm with 360 Professional Inspections pulls back the curtain on the lack of regulation involved, fly-by-night inspectors, what real estate agents do wrong, and scary short cuts that new home builders take. Jeff, who was once a commercial pilot and Silicon Valley savant, also shares the good, bad, and ugly about home inspections, common home problems, misconceptions, and what consumers can do to protect themselves. Oh, and he also talks about being attacked by a vicious pack of Chihuahuas!It's worth a listen - and passing the info on to your clients! -Norm :-)REMnorm.com

In this podcast, I have an in-depth conversation with accomplished real estate agent Chris Saizan about culture, team-building, leadership, and life.Chris was a super interesting guest and it was a lot of fun to interview him!Enjoy the podcast and contact me if you need anything at all!-Norm  :-)

Superstar appraiser Ryan Lundquist talks about appraisal misconceptions, what drives home values, neighborhood factors, meth houses, why algorithms can't detect the smell of 20 cats, and where the market might be headed!Check out his interview here on Episode #4 of the Real Estate Marketing w/ Norm Podcast. You can get some great information and contact Ryan at SacramentoAppraisalBlog.com

Mortgage Matt Cole with United Wholesale Lending shares what it takes to be one of the top 1% lenders in the country!What's his secret? Spoiler: they aren't really secrets at all, but good old-fashioned hard work, hustle, always doing the right thing, and putting your clients first! If you'd like to be on the podcast or just want more information, hit me up! -Norm  :-)

Today, I'm super excited to share my interview with Rico Rivera, team leader at Silicon Valley East Real Estate in Sacramento, CA. Rico is one of those guys that everyone knows and loves, is omnipresent at every event, party, and charity fundraiser, and seems to be the most natural networker you've ever seen.However, there's a lot of thought, education, strategy, and hard work that goes into becoming the Networking King, as we'll find out. Rico also talks honestly about his unbelievable childhood and life growing up, and ends the podcast with one of the funniest stories you'll ever hear! Enjoy and give me a shout if you'd like to be featured on this podcast or need anything at all!-Norm  :-)

Today, I'm super excited to share this very first podcast for my Real Estate Marketing w/ Norm series. In this Episode #1, you'll hear a special interview with top-producing Realtor and Broker, Kevin Cooper of Cooper & Associates Realty in Elk Grove, CA.For those of you who don't know, "Coop" was the person who brought me into the real estate business, taught me the ropes, and served as my mentor a million years ago. We also suffered through the mortgage meltdown and real estate crash together, and somehow managed not to kill each other!These days, Kevin is one of the top agents in the Sacramento, CA region as well as one of the best salespeople you'll ever find - in ay profession! Over the next 40 minutes of this podcast, Kevin shares some of his invaluable expertise about the art of selling and lays out his formula to teach the average newbie or struggling agent how to become a sales mastermind.Thanks for listening and sharing and I welcome your comments and questions at info@REMnorm.com!