good morning good afternoon

good evening

wherever you are and whenever you're listening

I want to congratulate you

on taking steps towards bettering yourself

in the real estate field today

we are gonna continue Mortgage Mindset

series of meet the team

and today we are going to be talking to Jeff Brooks

Jeff what's going on doing well

how are you I'm good man

I'm good we are also joined by Sherry Riano

yeah man you know I gotta be in here and have some fun

Jeff's in here had to be here for this event right

oh yeah I'm stoked

um well let's just dive in Jeff

uh let's talk about you man

you are uh

the one that I feel like holds everyone together

you are helping just about every situation

every scenario in the team

um whether it's operations with Chris sales with me

keep up with clients and agents

but helping Sherry help and share help Sherry help

and Sherry let's talk about uh

let's talk about the family man

let's talk about home what's what's home for you

live in Wake Forest right now

got an amazing wife and Jessica

we met at a trivia contest at a restaurant

and Raleigh with a group of friends

do you remember the trivia was about it was everything

it was oh

it's general trivia general trivia nice

okay

so yeah and the rest is history

we now have an 18 month old daughter beautiful

her 11 year old just she's so beautiful

that's amazing man that's cool um

so where are you from where did you go to school

are you a native are you

are you a transplant what's

what's your history I'm one of the

I guess the few natives now

not too many of us left North Carolina

yeah okay

all three of us yeah

all three of us that's it

born in Raleigh also even a Raleigh native

like even more close to home

that is rare okay

yeah went to went to Carroll Middle School okay

and then Sanderson High School

all right good deal man awesome

and what did you do after standing in high school

when do you went to Wilmington

all right that was fun

I love the beach it was fun

it was are you a beach ball

uh somewhat yeah

not really but I

I

you know the beach

it's hard not to like it down there yeah

it's good vibe and very cool

yeah cool

did you play any sports in college or no

I played tennis in high school yeah

I'm still playing now recreationally

so yeah it's fun

Jeff is being humble he's actually really good

actually Jessica as well as really good at Dennis um

so yeah he's

he's he's legit

well cool man

well um

well you know

I've got to throw this in um

because you know we're not gonna make this about me

but Jeffrey where did you and I meet

we met at State Employees Credit Union

yes we did

yes we did

here's a funny fact

all three of us had worked at the credit union

at some point in our life

that's correct well

I mean you know

cool people all kind of have a similar history stuff

yeah so

Jeff and I met at its tellers

at state employees cranking at a branch in Raleigh

just tell us about

I mean I know it

but tell them one listen

you know your progression to SECU

what were your roles there

um how did you move up just

you know kind of all of that pathway

yeah started off uh

on the teller side at the credit union

and I don't think

you realize how much you actually have to do

you're not just sitting there handing money out

and cash and checks there's a

there's a lot of duties involved being a teller

and I Learned a lot um

on the financial side and then

you know

got gradually more and more involved in loans and

and lending and learning about mortgages

and learning about all types of loans

so wanted

eventually make the move over to be a loan officer

so got to stay in the same branch

and just kind of

move over to the other side of the branch

and you follow me soon after

you just could you miss me too much

I did miss my Jeffrey it was good

it was good one of the things I think so like I

I Learned was being a teller

um is the specifics matter so much

I mean literally

we were down to

we were counted to the penny in our drawers every day

yeah and if we did not bounce

like that was a big deal

to the penny had to be recorded

yeah when you're doing three

four and sometimes 500 transactions in a day

I mean boy

we were rolling on Social Security days

disability days last day of the month

state holiday or state payday

stuff like that I mean

those are huge days for us

and have the precision to be down to the penny

every single day was

I think that that eventually helped us both yep

um so you start off as a teller

went to personal loans doing car loans

you know just all credit cards

things like that um

what was different about mortgages there

than what we see today like in what we do

um yeah

I mean it's

you're helping a lot a wide range of people

I mean the credit union

it's just just members there

and so you're just seeing one set of loans

one set of you know

underwriting rules it's just

it's very straightforward

and you either qualifier you don't

but ultimately it's rewarding

as we helped a lot of first time home buyers

getting in their first home

and kind of guiding them through the whole process

that it just got more rewarding for me to do that

rather than your auto loans and other stuff like that

they're great but you know

it's more it's big time life decisions

and so it just drew me to that

yeah that's that's

that's cool all right

and

you know as

as as hard as it was

um for you two to say goodbye to see me go Jeffrey

as hard as that was uh

tell me about joining SRT

when did you do that why did you do that

why did you feel like you know

that was the right decision for you and your family

um where there's some nerves there

just kind of explain the whole thing

yeah I

I'm not big on change it was

it was it was hard to leave

but this was two years ago now

yep um

that I left and it was not just that I missed you

that was part of it I know yeah

but after talking to Sharon

hearing all the good things about this team

and how this team operates

and just being exposed to the

the Fanny Freddie mortgage world

and learning about FHA loans and VA loans

and casting the net wider

of the types of people you can help

um it just really intrigued me

and so it's something that I wanted to do full time

exclusively and so it just felt like the right time

you know to make a move and

you know

progress my career and be able to help the team

and you are a huge asset to this team

absolutely so you want to talk about what you do today

yeah um

I do a lot of different things mainly

you know in the office and process applications

move files forward to underwriting and closing

and kind of helping answer clients

questions when they're under contract

and kind of throughout the whole process um

so that's a lot of what I do um

also help other loan officers that you help

bring on board with us um

help

gonna get them trained and acclimated to the system and

uh and showing them the different

different functionality of what we have

so there's one cool thing I think about your job

cause we all have our different roles on the team

and we all like you know

we the share like to say

we all have our seat on the bus

and we all have like our value and stuff

but you have a unique perspective because

you know states are different and even like

you know

certain guidelines are different state to state um

but Jeff helps ELOs in Charlotte

North Carolina as well

but Boca Raton he's helping Elos in Hawaii so like

you know you're having to like

learn different aspects and different

you know what's high balance here

what's high balance there just all kinds of things

you know from state to state that the rest of the team

we don't really see as much

and is that been interesting if you found like

you know

unique quirks and helping those other loan officers

you pretty much is it pretty been pretty fluid for you

yeah it's definitely interesting

seeing different contracts and seeing how they

how different they look and what they consider

what they you know

some states have due diligious earnest money

they call

called something different in different states

and yeah it's it's it is really interesting

I mean it's really cool to see the different

what the different laws are

seller credits and all that stuff

you know how that works in different states

cause you kind of have to read up on it know

know what you're doing oh

and selfishly from sales standpoint

I love that you have that experience

because when we have a client from another state

that you work in

you have that much more of an influence over that

client

like that much more connection with them because hey

I know it's different here if you bought in Colorado

yeah it's a little different there

this is kind of what we mean here

this is kind of how it's the same and you know

you know it's kind of

just one of those unique states that you get to pay

to play with due diligence

stuff like that that you know

the rest of us just don't have that grasp on every day

so that's cool that's cool right yeah

oh man

I appreciate you being on today

Jeffrey is our quiet one in the group um

he would much rather just kind of just come in

sit down do his job and us not put a spotlight on him

but um

but he is worthy of the spotlight

but he is I'm telling you

he is a such a value to me personally in my role

and every other person has seen him

sure I know um

but you know we are just eternally grateful for him

and doing this meet the team series

uh we really wanna get him on here

just cause we want you guys to know what he does

how he helps your clients day in and day out um

a lot of the questions that you get

was sent to the team

if you send an email to the team and ask him

general question uh

it comes often from the team response

but most likely that came from Jeff

Yep Jeff probably answering yeah

so he helps you even when you don't realize it

and I'm sure he helps me even when I don't realize it

and we're just

we're grateful for so thanks for being all day bud

yeah absolutely

I appreciate it yeah man

I will look

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