Meet Zach Rhodes

Speaker 0:30

my name is Zach Rhodes. I'm with Veon Mortgage, and I serve people from New Jersey down in Florida, plus Texan, Tennessee, where their home financing needs. And, uh, yeah. I'm glad to be here. I appreciate you having me.

Speaker 2 0:43

That's awesome. I can't wait to learn more about just everything you do.

Speaker 0:46

Yeah.

From Car Sales To Mortgages

Speaker 2 0:46

So for Zach. For listeners meeting you for the first time, can you share a little bit about your background and what led you into the mortgage industry?

Speaker 0:55

Yeah. Um, to make a long story short, um. I had been told by a friend of mine who'd moved into, uh, the home building many years ago that he thinks I would make a great mortgage loan officer. And despite me giving him some, some pushback because I loved being in the car business, I loved, helping people buy cars. It was a great feeling. It was, it was an interesting industry. Um, I made the decision to, uh, to interview and to see what the mortgage business was like. And next thing I know, uh, I'm here I am, I'm, I'm, I was, yeah. I ended up connecting very well with the owners of my company, uh, VE Mortgage, I guess they were not my company at the time. And, uh, with a background that was, you know, related to finance and marketing and sales. It just kind of worked out really well. And, uh, I connected with them. They, it was all JMU grads. We, we represent JMU wherever we go, as everyone at JMU knows. And, uh, yeah, the rest is history. I mean, it's been. About six and a half years now that I've been in the mortgage business and at Vem. Um, yeah, that's pretty much the story.

Speaker 2 2:01

Wonderful. What a journey it's been. It's like your calling in a way, I feel, or It was.

Speaker 2:06

It is, and, and, um, I was happy that I was able to make the switch at a young age. I was, I was, it was 24 years old when I made the switch, and I think it's, I mean, it's been the best, best decision I've ever made in my life. I'll tell you that for sure.

Learning Fast During The Refi Boom

Speaker 2 2:19

Absolutely. And you know, you entered the mortgage industry world before, just before the pandemic.

Speaker 2:26

Yeah.

Speaker 2 2:27

Which was just such a kind of defining time for the industry. What was it like stepping into this business during that season and how did it shape you professionally?

Speaker 2:37

Yeah, it's a great question. Um. You know, I had, I had about four, four or five months before the pandemic hit, and you know, it's just about getting your grounds. I mean, there's a lot to learn in mortgages, as anyone will tell you. Even a real estate agents will tell you the mortgage, mortgage side of things. There's a lot of complexity, there's a lot of rules, guidelines, everything that we need to know. So you typically spend the first several months really like learning, understanding, and making mistakes. And yeah, for me it was, it was an interesting transition into the pandemic because we went full remote. The, you know, a lot of industries, a lot of, parts of the economy were up in limbo because of no one understood or knew what was gonna happen with the pandemic. And then of course, for mortgages, it was like all of a sudden things just went. It was, we had the refi boom. So really my first taste of, of doing mortgages and really kind of getting things under my feet was a massive mortgage boom where I was working with, you know, the owners of my company and doing, hundreds and hundreds of refinances right off the bat. And the nice thing about that was even though we were working for remote, even though there was the. Logistical issues, I guess with a massive increase in production in the business. We also, you know, it was also kind of nice to, you kind of learned the hard way. I remember my boss told me in May of 2020 when the refis started really starting to come in. And we had millions and millions and we probably, I think we had like 30 clients refinancing within a week. And he calls me up and he goes, Hey, I know this is a lot. This is where you're gonna learn the most. You're gonna learn it the hard way. You're not gonna get much coaching'cause we're fully remote. You're not in office. Someone holding my hand the whole time and he is like, sink or swim, motherfucker. Sink or swim. And, uh, yeah, the rest is history. I mean, I, I made it through there. And uh, it was fun. It was good. And that was kind of my experience, like starting off just tons of refinances. I mean, don't me wrong, we were doing a lot of purchases too at the time, but you know, there was a little bit of it, inconsistency within the, the actual buying housing market, just'cause people didn't know where things were gonna go. People didn't know if they were gonna have jobs that would, that definitely hit too. Yeah, it was good. It was interesting. But that was kind of my, the start of where I got going. So.

Speaker 2 4:52

You were kind of just thrown in there and you hit the ground running is what I hear.

Speaker 4:56

Pretty much. Yeah. And I think that's the best way to do

Speaker 2 4:59

it. Yeah. Especially, you know, during those uncertain times for everyone. I mean, I think that really just made you stronger as a business professional as well, and really made you just have this drive and the perseverance. To get where you are today?

Speaker 5:11

I did, and, and the best way that my boss put it is most loan officers in the first five years won't see the amount of business that I saw in the first year to two years. So it was kind of nice being able to get my, and, get my feet on the ground and, and actually just start going. Whereas most loan officers who are starting new in the business don't really get to see that. So it was a great time. I, uh, sometimes I joke that I wouldn't mind going back to. Being fully remote and working and just grinding like that every day. I mean it was, I think we were working minimum 12 hour work days. We were probably between 12 to 18 hour work days. I mean, there were some weeks that I think I hit about a hundred hours a week. Um, but that's just because you have to keep up with that, you know, you gotta make sure people are being taken care of and it's a lot of work. But it affected how I do my run my business today for sure.

Building A People First Brand

Speaker 2 5:55

Absolutely. Yeah. That's awesome. Okay. And you know, with that you've built a strong personal brand through Zach Rhodes Mortgage.

Speaker 6:03

Yeah.

Speaker 2 6:04

What has been the most important to you as you've worked to create a business that reflects both your professionalism and your personality?

Speaker 6:12

Yeah, I, I would say the best things, really when it comes to my brand and when it comes to me, is that I have branded myself, not as just this. Generic mortgage loan officer who, let's be fair, uh, look, there's a lot of great loan officers out there. I'm friends with many of'em. Um, I'm sure you guys have talked with several of them as well. But I think a lot of mortgage loan officers in the, in the business are just so focused on selling, especially big box companies. I won't name any names right now. Rocket Mortgage. But a lot of those, a lot of companies are just so focused on the sales portion and not the people portion. And this is something that I learned in my previous business as well and it just kind of transitioned into me into mortgages, is that I've always thought it's best to focus on the people and just trying to do your best to help them. And don't me wrong it. It means I spend more time, uh, helping out people and, and making sure that people are comfortable with the home buying process. But in the end, I think that makes, I, I think that's built my brand. I think I've become someone who's known as more of almost like this advisor to people when it comes to buying a house and getting a mortgage rather than someone who's just trying to sell a product. And. I think that's been a key piece for me. And I know we had chatted about this at one point, but like I have a whole process that I have this home buying planning process that I love to take all my clients through, and it just prepares people. It prepares'em for the, it prepares them and makes it comfortable for them to buy a house, when it comes time. And I think that's been the biggest piece with my brand, especially over the last, really two and a half, three years that I've implemented this home buying planning process.

Speaker 2 7:53

Absolutely, and I wanted to dig into that process more. Yeah, I mean, one thing that just really stood up, stood out about your approach is that you know, you do more than simply pre-approving clients,

Speaker 8:03

right?

Speaker 2 8:04

You help them create a real home buying plan. What does that planning process look like and why is it such an important part of how you serve people?

Speaker 8:13

Yeah. So I'm, as hopefully you're learning I like to be, I'm very personable. I really like to get to know all my clients and I know for many people in this business, or whether it's in real estate it's about the transaction. But I, I wanna get to know my people. So my first step to my process is doing, is starting off by actually meeting my clients face to face with a Zoom call. After that, it's getting to, it's getting to know them, it's getting to understand what their needs are, what their goals are in the business, or what they wanna do with buying their house. And then it's a pretty simple process after that, you know, it's doing the online application, which is quick and easy. It takes people 15 to 30 minutes. And then I make it very well known throughout this entire process. Like, please don't hesitate to reach out to me. I brand myself as more of an educator than anything else. And if you have any questions on the process, if you have any questions on anything regarding. Real estate or you know, or the mortgage part of the things, you know, I want you, I want my clients to be comfortable with coming to me and asking me those questions. So doing that zoom call, right? Getting to know my clients, then having them complete that on that quick online application. And then after that is, that's when I'm gonna figure out what they're pre-approved for, right? We're gonna get together the necessary information that we need to figure out what they qualify up to. And then once we figure out what they're qualify up to, what are they actually comfortable with? What's a good comfortable monthly payment? What's a good comfortable cash to close? And then what is the best way to make sure that everything lines itself up. Properly for them so that they are comfortable when they're out looking at homes with a realtor. And that's, let's be fair, like the part that I'm doing, the finance part, the putting together that plan, like it's necessary. I think it's a key piece to everyone. It, it gives them that comfortability, but it's the, uh, it's the looking at homes, it's the fun part. So I just try to give them that comfortability on the finance side of things so they can be, so they can go out with their realtor and, and make sure that they look at homes and are, it's easy for them.

Speaker 2 10:02

Absolutely. Just kind of smoothing the way of the process for them.

Speaker 10:05

Exactly.

Speaker 2 10:06

It truly is kind of like a personalized experience for them.

Speaker 10:09

Oh yeah, for sure. And I, it's funny because I actually just got off of a call this morning with clients who were like, Hey, we, we had shopped three, like we were shopping around with three mortgage, you know, different loan officers and. We are a hundred percent going to use you. And by the way, we actually have two family members that we are looking to buy home soon. We'd love for them to go through your home buying plan two process because that they're like, we've never felt more comfortable and no one else gave us, everyone pre-approved us, but no one actually took the time to actually go through everything with us, figure out what we are comfortable with, and then actually review all the information with us going into it. So now by the way, those clients I pre-approved on. What Saturday, they're putting in an offer today on a house already. They weren't even sure if they were gonna put an offer on a house within the next two to three months.

10:58

Wow.

Speaker 10:58

But because we put together this plan, now they're like, wait, we're actually comfortable with this. Like, we know what we got. Oh, and by the way, we have Zach and we have one of, you know. Plug in here, Sadie, one of my, one of my, one of my go-tos. Um, she's one of my faves and, um, yeah, and they're just comfortable with everything now, so yeah. That's kind of

Speaker 2 11:17

congratulations to them. Yeah. That's so amazing.

Speaker 11:19

Yeah.

Communication That Reduces Stress

Speaker 2 11:20

And you know, to go into that more, you know, you've shared that one of the things clients just appreciate most is the level of care, communication, and thoughtfulness you bring to the process. Why has that personal touch always mattered so much to you and your business.

Speaker 11:36

Yeah, I think, I think anything within, I think with most businesses, honestly, communication's key. We all know that, especially when you're dealing with clients, especially when you're dealing with such a. Important process, which by the way has deadlines. And that's one of the funniest things when people ask me about, you know, mortgages and stuff and like, they're like, oh, we hear it's stressful. We hear that there's, you know, there's a lot going on with it. I'm like, yeah, I mean, yeah, don't me wrong there. It can be very stressful. There is a lot that's going on and everything is on a deadline. So communication is key because everything is on those deadlines, especially once you're under contract on a house. Like we, you need to make sure, as, as the loan officer, I need to make sure I'm communicating with. All the agents, the title companies, ev, the clients, everyone involved in making sure we're setting up those realistic timeframes. But I think, you know, I think that's an important piece that any loan officer should do. Um, but then the extra pieces, that personalized part of it, I think that just kind of goes with just making sure. People are comfortable with things. If my clients don't understand something like it, it could create a bottleneck within the process. It could, it could make them a little bit uncomfortable with, with closing on their house, which again, huge purchase. I mean, it's the, basically the large purchase we make in our lives. And how often are we buying a house? Like, try and have fun with it. Try and be comfortable with it. And that's what I tell everyone you know. It's something you do very rarely, especially if you're a first time home buyer. You only buy your first home once. So, you gotta be comfortable with it. And you have to, you know, you and I always tell people, you have to just let me know if there's, if there's something that, that you don't understand, and we'll go through it, because I want to make sure that you understand every little piece of the process because they don't know. Just make it easier when you go to buy your second home too.

Speaker 2 13:14

Yeah. That makes

Speaker 13:16

perfect sense. I'm not even sure if that answered your question, but

Speaker 2 13:18

it did. That makes perfect sense. And, and like you said, it's a huge milestone. It's a really big thing. So just being able to keep them informed and educated throughout the whole process, I think that that's amazing.

Speaker 13:29

And just like, I know I had mentioned it to you earlier too, but you know, my, what I get out of this, or actually my favorite part of my job is that gratification part. It's the. It is when people, especially when people like first time home buyers are, let's just be fair, first time home buyers are the best. I'm all for, like, I, I like helping out everyone. But when you're there at the closing and they've just bought their first home, especially if it's a family. Like I had a family yesterday with two kids, um, a 1-year-old and a 7-year-old, and it was, they were just so excited. They were so happy the kids were having a good time and it's just cool. It's very gratifying to get all that, especially if it's, if there's a lot going on. And that's, that's kind of where I get what I get out of this. And I love, I like to meet all my peop my clients in person at some point. So like I said, I start with that Zoom and then I'm at their closing if I can be there. So, which is 99%.

Speaker 2 14:20

Yeah.

Speaker 14:20

Yeah.

Speaker 2 14:21

What a full circle moment to be a part of. I know. That's gotta be so rewarding.

Speaker 14:25

It is. Oh, it's, and it's fun. I mean, it's, I mean, it's just good for me to be there too because I, I mean, I'm representing them as, I'm their finance guy. And it's funny how many title companies are like, wow, it's not very often we see the lender here and I'm like, well, I'm at, I'm at majority of my closings if I can be there. And I just, I mean, for me it's that extra, it's that final piece, like that touch point with my clients that I'm like, Hey, like I know we've been together through this whole thing and now I'm here. Like, and most people are like, wow, we're so grateful to to get, to actually meet you in person. Because on the finance side of things, we're not out with the realtor showing them houses. You know, we're in the, we're in the background behind the computer running numbers, making sure that everything's taken care of back there. So it's that final touch point where I get to actually see, be with my clients on the day that they're closing and, and see how happy they are. So,

Speaker 2 15:11

yeah, absolutely. It's so fascinating all the moving parts and pieces that you coordinate behind the scenes to just make it all happen.

Speaker 15:18

It is a lot. And I'll tell you, after doing this for nearly seven years. I can tell you it's all about the people you work with too, though. I have an incredible assistant. Love her name's Vicki. All my clients love her too. And so yeah, it's, it's key to, it's key to have those people behind you. Um, and it's, it's great to be at a company that allows me the flexibility to run my business the way that I wanna run my business.

Speaker 2 15:44

Yeah.

Speaker 15:45

So

Credit Education That Changes Outcomes

Speaker 2 15:46

That's awesome. And you also have a strong understanding of credit and even teaching credit building classes. Mm-hmm. Why is credit education such a valuable piece of the puzzle when it comes to home ownership?

Speaker 16:00

Yeah. And it's funny'cause this is kind of part of my home buying planning process and I, I actually like to talk about that if people want to get into credit, because let's be fair, most of us haven't. Been taught how to credit. I mean, were you taught about credit when you were growing up or in school?

Speaker 2 16:14

No. And that's the crazy thing, right? Like

Speaker 16:17

Exactly. So like my biggest complaint is that we don't get taught this stuff. We're not taught on how to build credit. We're not taught on how to buy a house. We're not taught on how to maintain our budgets and go over any of this stuff. So I think it's. Like I love coaching people on this because I have had so much experience with it now and because I've had the coaching, especially on like how to build credit and how credits, how the credit system works. I love talking about about people or talking about that stuff with people. And it's funny'cause I always tell my clients I'm like. Hey, like at any point in this, if you want to go through like how to build credit or like how to improve your credit, I'm happy to do that. And most people are like wait, we'd love that. Can you talk us through? I'm like, are you guys ready for my spiel? Like, do you actually? And they're like, yes, please. He's like, we want to hear about this. We don't know anything about it. And I go through this normal spiel where I talk about how the credit bureaus are for, for-profit companies, and then I, I talk them through. From how the credit bureaus work and how the credit system works, the different pieces that affect your credit score. And and then I also have a bunch of information that I follow up with this because I do have a whole, guide and everything for people on how to build credit, what makes up your credit score and then talking about how you can better improve your credit, what things you can do in your daily life to improve your credit such as setting up. Monthly reminders to pay off your debts or to make sure that your debts, check your accounts, do all that stuff. And then understanding when your, when those debts report to the credit bureaus. Because that's a common question I get from people, especially when I've run their, you know, we've, we've, when we're doing that pre-approval and we're figuring out what they're comfortable with, and they're like, Hey, outta curiosity, like we like. We see that we actually, on our credit report that you sent us, we actually are showing a balance on our credit card, but we pay that off every month. I'm like, that's probably'cause you paid it off at the end of every month, right? You, that card reports on X day of the month, so you need to have it paid off by that day of the month if you want to show it zero. And that's, again, it's something that people just don't know. I mean, I didn't know it before I was in the mortgage business yeah, no, it's, that's kind of like, I love coaching people on, on how to build credit. Just setting themself up for success when it comes to building a better credit score. And it's one kind of last pull piece of this is I had like three, I guess I had five friends that I, when I first started, like, getting into, like figuring out like how to help people, guide them through building credit and everything. And it's funny because two years later, that was, that was about two, just over two years ago that I did that with them. They all had sub 700 credit scores when we started off. I set up this, we set up the plan, I went through it all with them. And now every single one of'em, I actually just pulled the last one of his credit this past week because he is looking to buy a, how soon? His credit score was eight 13. And I'm like, there you go. That's all it is. And he had his, he had a mid 600 score when we started talking to two years ago. Yeah. No, it's, it's cool and it's gratifying because let's be fair, like credit makes up such a big piece of our lives like. That's how we get loans for everything. And uh, yeah, we just don't get taught it. And so I'm always, I'm always happy to like coach you through credit stuff, so

Speaker 2 19:16

Yeah. Yeah, that's great advice for all of us and just being able to provide that information to your clients, it's just like an extra step that, that you are able to give, and I think that that's great.

Speaker 19:26

Yeah.

Rates Market Shifts And Trigger Leads

Speaker 2 19:27

And there have been some major shifts happening in the mortgage and credit space recently.

Speaker 19:33

Yeah.

Speaker 2 19:33

From your perspective, what are some of the most important changes that everyday buyers should be aware of right now? If you can think of any others?

Speaker 19:41

Yeah. I mean the mortgage market over the last. Several years has been pretty unstable, really since the pandemic. And we're constantly, we're seeing these fluctuations in the market. I know we were talking about this beforehand about how the, you know, there everything going on overseas, it absolutely affects mortgage interest rates. It affects our economy as a whole as well. I mean, as we've seen with oil prices going up, that increases the price of gas. All those things are inflationary pressures. So the biggest piece that I think. People need to understand is that interest rates are fluctuating on a daily basis. Today they're gonna go down, but tomorrow they could be up again. Just a matter of where things are lying at and what inflationary pressures are being you know, are, are being forced onto the, onto the economy at this point right now, obviously they'd be the key being oil. And so I think that's probably one of the big, the big key pieces that we, people need to understand is that just constant fluctuation, dependent on the economy and where things are at. Obviously everyone has been paying attention to the Fed for the last several years. The Fed reducing interest rates over the next two to three years is gonna be a key piece. Um, we're all hoping, the expectation is that interest rates should, hopefully bottom out around 5%. They're, they consider that a healthy mortgage interest rate. Right now they're sitting right around 6.5%. We'd like to see it get there. Um, that would be nice. I think it would open up the market a lot more for people. Create some more availability, create that, uh, that uh, you know, just allow people to be a little bit, uh, uh, make housing more affordable, is really what it would do. Mm-hmm. Um, with regards to people's payments. So, and then the other key piece is we always just have to be aware that. Just like I said, with the economies changing, there's a bunch of things changing on the mortgage side of things too. You know, the credit bureaus are changing things themselves. You know, they just. Ban trigger leads, which we won't get into right now necessarily, but just know that the second largest source of revenue for the credit bureaus has now gone away. So they've now increased the cost of credit pulling, and that's across the board. So there's little things like that that are always happening, but that's what I'm here for. I'm here to educate my clients. I'm here to educate you and everyone else to make sure that you have a good understanding of, Hey, here's where things are at right now in the market. Here's how things work with getting, buying a home and building credit, and here's how it all comes together to make sure that you're comfortable when it comes to buying a house, owning a house, and then hopefully in the near future. For most people, buying a house these days is refinancing, which. Is, uh, is a great topic to talk about another time. So

Speaker 2 22:02

yeah, absolutely. You just being able to analyze all these things and kind of stay on top of it, I think that is such a great resource again, that you are just able to kind of serve to your clients and, and educate them about. I, myself am I'm learning a lot today.

Speaker 22:16

Yeah, love it. Love to hear that. That's what I like to hear.

Networking Through BNI Leadership

Speaker 2 22:18

Yeah. And. Kind of a pivot. You're also deeply involved in networking and professional relationship building.

Speaker 22:25

Yes.

Speaker 2 22:25

Including leadership with BNI. How has that community involvement helped strengthen your business and just the way you connect with others?

Speaker 22:33

I think it's part of just being in mortgages or real estate or I guess in a lot of different roles within the communities. Networking is a key piece to all of our businesses. Building up those, that network of people who you can trust on, who can trust on you. And that's been really big for me, like, especially being president of a local b and i chapter in Northern Virginia. Is that I have this incredible group of, of people who I can connect both, you know, my clients and my network with. Um, and then on top of that I can be able to help out their networks and it all kind of just. It comes around and it comes full circle. And. It's been big for me with my business with being able to connect with people that I never would've been able to connect with because of these networking groups and honestly, the professionals that I have the connections with now, like I've got a, a title guy or title woman, I've got. A painter. I've got a flooring guy now. Like, and just having that, I think that also builds to the credibility of, you know, what I do not just for my clients, but also just for my family, friends, and my community. So, yeah, I mean, it's, it's been great. I highly recommend that you come and visit. A BNI chapter as well. Like, I think it, it, a lot of people get a lot out of it. And to be fair, I didn't even know what BNI was until like two years ago. So, I've been doing it for just over two years now and it's been awesome.

Speaker 2 23:55

How cool.

Speaker 23:56

Yeah.

Speaker 2 23:56

I'll have to check it out.

Speaker 23:57

Yeah, please. It sounds really interesting. You're welcome to come over to ours and, and see what it's like.

The Next Wave Of First Buyers

Speaker 2 24:00

Sounds good. Sounds good. And. As Zach Rhodes Mortgage continues to evolve, what are you most excited about in this season of your business?

Speaker 24:11

Yeah. It's been busy. It's been really busy. I've, this has probably been the busiest spring market that I've seen in quite a while. I mean, you know, obviously we had an interesting market during the pandemic where it was. A lot of, you know, a lot of people out looking for homes, not enough homes available. Now we're kind of getting this mix where more and more people are like, all right, you know what? We're willing to sell our house now, especially people who are sitting at sub 4% interest rates. Those people were less likely to sell their homes because why sell your home when you have a sub 4% interest rate? But a lot of those people are now like, Hey, we, our families have grown, or we need to move, and you know what? We're just gonna, it's okay that we're getting rid of this. We just need to upgrade our house or to do whatever. And so I guess that's kind of one of the more exciting pieces is that we're coming off. I feel like we're now really starting to see the like end of that whole like pandemic era. And we're starting to see more building happening. We're starting to see more homes come online, and we're starting to see a lot more people, especially like the younger millennials and Gen Zs. Who were just on on the fence of ever owning a home really who thought that they were gonna be stuck in that rent loop their entire lives, or at least for the next several years, are finally like, Hey, look like we've saved up. Rent is becoming incredibly, uh, incredibly high. We're ready to buy a house. And I think that's pretty, pretty much the most exciting thing is because first time home buyers make up a massive portion of the home buying market, like massive. I think historically it's, it's over 50%. It's been a little bit lower. I think it's been like. 20 to 30% over the last several years just because of the pandemic and because of, you know, just the competition amongst homes. But I think we're now starting to see this, this cool wave of like, first time home buyers are like let's do it. We're ready. We want to buy a house. And that's kind of where I'm, I'm excited. I think the next, I think the next few years are gonna be really good, especially for a lot of first time home buyers and just being able to finally, you know, realize the dream of home ownership. So. Yeah.

Speaker 2 26:09

That's so awesome. You're so right. A whole kind of new generation, a wave of us are all kind of coming in and we're looking to get a house now, so I think that that's, that's awesome. There's people like you that are out there that are ready to help.

Speaker 26:20

It is cool. Yeah. And uh, yeah, exactly. And I, and just because of my home buying planning process, it just makes it that much easier for people.

Speaker 2 26:26

Yeah.

Speaker 26:27

Yeah.

How To Connect And Final Thoughts

Speaker 2 26:28

And for anyone listening who wants to connect with you, learn more about your approach or start building a home buying plan, where can they find you?

Speaker 26:38

Yes. So I can be found on Instagram at Zach Rhodes Mortgage, um, also online at Zach Rhodes Mortgage. Um, but, uh, yeah, I mean, I'm out and about in the area too, so I'm, I'm all over Northern Virginia, DC, Maryland. And, you know, I'm always looking to meet people, so follow me on Instagram, follow me on Facebook, Zach Rhodes on Facebook. But yeah, and you'll see I'm, I'm always posting educational content, trying to make sure that people are staying up to date with where, where everything is at. So

Speaker 2 27:07

how fun and lots of ways to reach out.

Speaker 27:10

Yes, lots of ways. Reach out. You can always call me too. Wait, should I plug my phone and number at all on this or like.

Speaker 2 27:16

Go ahead.

Speaker 27:17

All right. Yeah. You can always call me(571) 830-2853. Um, I'll be available at all times, so, yeah.

Speaker 2 27:24

Perfect. And as we wrap up, is there anything you'd like to add that I haven't touched on today?

Speaker 27:31

I don't know. I mean, is there anything for you, I mean, like as someone who's a future first time home buyer, like is there anything that you would love to hear about from me?

Speaker 2 27:40

Honestly, I feel like you covered so many topics. Like I feel like I'm walking away with so much more than before you came in. That's a win for me, so I wanna thank you for that.

Speaker 27:48

Yeah, no, that's a win for me. I, I love that. If there's anything I can ever do to educate, like that's what I like. That's what I like to do. I enjoy that. I think one day I'll actually be probably a professor or something teaching this stuff. I'll teach, like, I'll do like a home buying. Course for people and like it'll encompass all the stuff we've talked about probably.

Speaker 2 28:08

I could so see that.

Speaker 28:09

Yeah, it'd be fun. I would love to do that.

Speaker 2 28:11

Absolutely. Well, I wanna thank you so much, Zach, for joining me on the podcast today, sharing your knowledge and passion and story with us. I wish you the very best in all that comes your way in the future.

Speaker 28:23

Thank you, and I appreciate you having me on here and thanks again for all of this. It's been fun.

Speaker 2 28:27

Of course.

Speaker 28:27

Hopefully we can do it more. I'd love the chat, so

Speaker 2 28:30

absolutely. Thank you.