Real estate isn't just about buying and selling properties.

It's about making smart decisions that help you build wealth over time.

A 1031 Exchange is one of the most powerful tools available to real estate investors, allowing you to defer capital gains taxes while reinvesting into new investment properties. When used strategically, it can help you preserve equity, grow your portfolio, and create a stronger long-term financial plan.

In this episode of The Mortgage Lounge, Mike Grambow is joined by Monique Wilson and Michael Spring of Exchange Resources to explain how 1031 Exchanges work, who qualifies, the critical deadlines every investor should know, and the common mistakes that can put an exchange at risk. They also discuss reverse exchanges, Delaware Statutory Trusts (DSTs), estate planning strategies, and why having the right team of professionals can make all the difference.

Whether you're preparing to sell your first investment property or looking to expand your real estate portfolio, this conversation will give you a better understanding of how a 1031 Exchange can become part of your long-term wealth-building strategy.

=================

🔑 Key Takeaways
What a 1031 Exchange is and how it works
Which investment properties qualify
The 45-day identification and 180-day exchange deadlines
Common mistakes that can jeopardize an exchange
Reverse Exchanges and Build-to-Suit Exchanges explained
Estate planning benefits, including step-up in basis
Delaware Statutory Trusts (DSTs) as an investment option
Why working with the right lender, CPA, escrow officer, and qualified intermediary matters

=======================

#1031Exchange #RealEstateInvesting #InvestmentProperty #CapitalGainsTax #WealthBuilding

Other related keywords

1031 exchange, how to use a 1031 exchange, what is a 1031 exchange, 1031 exchange explained, 1031 exchange rules, reverse 1031 exchange, Delaware Statutory Trust, DST investing, qualified intermediary, capital gains tax, investment property, real estate investing, wealth building, estate planning, step up in basis, Exchange Resources, Monique Wilson Kaiser, Michael Spring, Mike Rambo, The Mortgage Lounge, JMJ Financial, real estate education, passive real estate investing, investment property taxes, 1031 exchange for beginners

Being a great loan officer does not always mean winning every deal.

Sometimes, doing the right thing means asking more questions, requesting more documentation, slowing down the process, and even losing business to someone willing to say yes faster.

In this episode of The Mortgage Lounge, Jason Thibodeau and Jason Thomas discuss the hidden cost of being a thorough, honest, and responsible loan officer—and why integrity often feels expensive in the short term.

They break down what a true mortgage pre-approval should involve, why income, assets, and credit must be properly verified, and how cutting corners at the beginning of a transaction can create unnecessary stress, delays, and financial risk for buyers and Realtors later in escrow.

Jason and Jason also share real experiences from their careers, including moments when being cautious cost them business, the pressure loan officers face to compete with faster approvals, and why saying yes to everything can eventually damage a professional reputation.

The conversation also explores how strong loan officers respond when problems arise. Instead of panicking, disappearing, or becoming defensive, they communicate clearly, remain calm, and focus on solutions. That kind of professionalism does more than save transactions—it builds trust with clients, Realtors, listing agents, and everyone involved in the process.

The lesson is simple: shortcuts may help you win business today, but integrity is what builds a career that lasts.

Whether you are a loan officer, Realtor, homebuyer, or mortgage professional, this episode offers an honest look at what responsible lending really requires.

======================
Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

===================

Follow Jason Thomas!
Instagram:jason_thomas_mortgage
Facebook: Jason Thomas Mortgage
Website: www.jmj.me/jthomas
NMLS 1163778

===================

Key Takeaways
What a legitimate mortgage pre-approval should include
Why income verification is critical when qualifying for a home loan
How incomplete pre-approvals can put buyers and deposits at risk
Why some loan officers lose business by being more thorough
The danger of saying yes before verifying the complete financial picture
How cutting corners creates stress for buyers, Realtors, and lending teams
Why calm communication matters when problems arise during escrow
How professionalism during difficult transactions creates future referrals
Why reputation and trust are built over time
The difference between chasing quick deals and building a lasting mortgage career

=====================

What matters more to you when choosing a loan officer—speed or certainty?

Share your thoughts in the comments.

If you found value in this conversation, like the video, subscribe to The Mortgage Lounge, and turn on notifications for more honest discussions about mortgages, real estate, business, and the realities behind the industry.

Hashtags

#TheMortgageLounge #LoanOfficer #MortgageIndustry #MortgageLending #RealEstateProfessionals #MortgagePreApproval #HomeBuying #MortgageAdvice #RealEstateAgents #MortgageBusiness #LoanOfficerTraining #MortgageEducation #JMJFinancial #OrangeCountyRealEstate #IntegrityInBusiness

YouTube Tags

The Mortgage Lounge, Jason Thibodeau, Jason Thomas, JMJ Financial, loan officer, mortgage loan officer, great loan officer, mortgage lending, mortgage pre approval, mortgage preapproval process, how to become a better loan officer, loan officer training, mortgage industry, mortgage career, real estate professionals, real estate agents, home buying process, mortgage approval, income verification mortgage, mortgage underwriting, mortgage documentation, mortgage mistakes, loan officer mistakes, ethical mortgage lending, integrity in business, mortgage business, building trust with Realtors, Realtor lender relationships, mortgage podcast, real estate podcast, Orange County mortgage, Huntington Beach mortgage lender, mortgage advice, responsible lending, successful loan officer, long term business success

Most real estate transactions don't come with a 48-hour deadline.

This one did.

When a reverse 1031 exchange came down to its final two days, what seemed impossible quickly became a race against time. With multiple moving parts, unexpected roadblocks, and significant tax consequences on the line, every decision mattered.

In this episode of The Mortgage Lounge, Jason Thibodeau sits down with Lorraine Thibodeau, owner of On Demand Escrow, and Jeff Bemis of 1031 Specialists to unpack one of the most extraordinary real estate transactions they've ever experienced.

Beyond the story, they explain what a 1031 Exchange is, how a Reverse 1031 Exchange works, why strict IRS deadlines matter, and what it takes for lenders, escrow officers, title representatives, and qualified intermediaries to work together when every hour counts.

This conversation isn't just about taxes or real estate.

It's about preparation, communication, relationships, and the professionals who quietly solve problems behind the scenes when everyone else thinks a deal can't be done.

Whether you're a real estate investor, Realtor, escrow officer, lender, or simply curious about how complex transactions come together, you'll walk away with a new appreciation for the teamwork that makes successful closings possible.

==========================

Key Takeaways
What a 1031 Exchange is in simple terms
How a Reverse 1031 Exchange works
Why timing is everything in a 1031 Exchange
What happens when IRS deadlines are at risk
How one real estate transaction was saved in just 48 hours
The role of escrow, title, lenders, and qualified intermediaries
Why relationships matter more than transactions
Lessons every real estate professional can apply

===========================

🏷️ Hashtags

#TheMortgageLounge #1031Exchange #Reverse1031 #RealEstateInvesting #Escrow #RealEstate #Mortgage #RealEstateProfessionals #PropertyInvestment #RealEstatePodcast

🏷️ YouTube Tags

1031 exchange, reverse 1031 exchange, what is a 1031 exchange, how does a 1031 exchange work, qualified intermediary, Jeff Bemis, 1031 Specialists, Jason Thibodeau, Lorraine Thibodeau, On Demand Escrow, escrow, escrow officer, real estate investing, investment property, capital gains tax, tax deferred exchange, real estate podcast, The Mortgage Lounge, real estate transactions, commercial real estate, residential investment property, IRS 1031 rules, exchange accommodator, real estate education

What does it really take to build a successful and lasting career in real estate?

In this episode of The Mortgage Lounge, Jason Thibodeau sits down with Michele Kader, Publisher and Owner of Orange County Real Producers, and Michael Perisi, Owner of Mariners Escrow, following an exclusive event that brought together more than 300 of Orange County’s leading real estate professionals.

The event featured four of Orange County’s top-producing real estate agents, each with a different personality, leadership style, and path to success. Yet beneath those differences were many of the same principles: consistency, authenticity, strong relationships, resilience, and a willingness to stay committed long after the excitement of starting has passed.

Michele shares what it takes to build and execute high-level real estate events, why protecting the quality of the Orange County Real Producers community matters, and how years of experience have shaped the way she approaches leadership, delegation, and growth.

Michael reflects on more than three decades in the escrow industry and explains how simple relationship-building habits helped grow Mariners Escrow from a small team into one of the area’s leading escrow companies. He also shares why trust, responsiveness, patience, and treating every relationship as a long-term investment continue to matter in today’s market.

Together, Jason, Michele, and Michael discuss the reality behind long-term success, the importance of becoming comfortable with discomfort, and why meaningful growth rarely happens overnight.

Whether you are a real estate agent, mortgage professional, escrow professional, business owner, or someone building a relationship-driven career, this conversation offers a grounded look at what it takes to stay relevant, continue growing, and build a reputation that lasts.

=================================

Follow Michele Kader!
Instagram: Michele Kader
Instagram: OC Real Producers
Website:https://www.ocrealproducers.com/

============================
Follow Michael Perisi!
Instagram: Michael Perisi President
Website:https://marinersescrow.com/

===========================
Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website: https://jmjhbmortgage.com/
NMLS 296586

============================

KEY TAKEAWAYS

• Why different personalities and business styles can all lead to success

• What Orange County’s top real estate producers have in common

• Why consistency matters more than immediate results

• How relationship-building creates long-term business opportunities

• Why adding value can be more effective than competing for attention

• What it takes to plan and execute a high-level real estate event

• Why strong leaders eventually need to create space through delegation

• How authenticity helps professionals build stronger connections

• Why public speaking and confidence improve through experience

• What new real estate professionals should understand before entering the industry

• Why today’s real estate market rewards experience, expertise, and resilience

• How playing the long game can create a career and reputation that last

==============================

HASHTAGS

#TheMortgageLounge #OrangeCountyRealEstate #RealEstateSuccess #RealEstateProfessionals #RealEstateLeadership #RealEstateBusiness #MortgageIndustry #EscrowIndustry #OCRealProducers #RelationshipMarketing #BusinessGrowth #RealEstateCareer #OrangeCountyBusiness #RealEstateNetworking #TopRealEstateProducers

Other Keywords
The Mortgage Lounge, Jason Thibodeau, Michelle Cater, Mike Parisi, Orange County Real Producers, OC Real Producers, Mariners Escrow, Orange County real estate, Orange County real estate agents, top real estate producers, real estate success, successful real estate agents, real estate career advice, how to succeed in real estate, building a real estate career, real estate leadership, real estate business growth, real estate networking, relationship marketing, building business relationships, real estate industry, mortgage industry, escrow industry, real estate events, Orange County business, top producing real estate agents, long term business success, real estate motivation, real estate market 2026, real estate podcast, mortgage podcast, business leadership podcast, consistency in business, authenticity in business, relationship based business

Starting content feels exciting… until it becomes overwhelming.

In this episode of the Mortgage Lounge, Mike sits down with Corie Savery, producer and business partner behind Studio 9one9, to talk about the real challenges business owners face when trying to show up online.

From awkward first videos and social media anxiety to finding authenticity on camera, this conversation dives into why so many entrepreneurs struggle to start, and what actually helps people build confidence.

They also share the unexpected story of how Studio 9one9 came together, why authentic storytelling matters more than polished perfection, and how small businesses in Long Beach, Orange County, and Southern California can create content without feeling overwhelmed.

If you've ever felt stuck trying to figure out cameras, content, podcasts, social media, or simply how to show up online as yourself, this conversation is for you.

==============================

🔍 Questions This Episode Answers
• Why do most business owners struggle with content?
• How do you start creating content without feeling overwhelmed?
• What makes content feel authentic?
• Do small businesses really need social media?
• How can podcasts help local businesses grow?
• What makes a great content studio experience?

Whether you're a Realtor, lender, entrepreneur, or local business owner, this episode shares practical insight on showing up online without losing yourself in the process.

=====================================

#studio919 #smallbusinessmarketing #podcastmarketing #contentcreation #longbeachbusiness #orangecountybusiness #entrepreneurmindset #smallbusinessowner #socialmediamarketing #businessgrowth #authenticmarketing #brandingstrategy #mortgagelounge #videomarketing #contentcreator #longbeachca #orangecountybusiness #localbusinessmarketing #businesspodcast #entrepreneurlife

Buying a home can feel overwhelming, especially when interest rates, uncertainty, and fear start creeping in. But what happens when you buy anyway?

In this episode of the Mortgage Lounge, Mike Grambow sits down with mortgage loan officer Andrianna Felando talk about homeownership, generational wealth, first-time buyer fears, and why waiting for the “perfect time” can sometimes cost more than people realize.

Andrianna shares her personal homebuying journey, from purchasing her first home while navigating uncertainty, to becoming an investor and seeing firsthand how real estate can create long-term financial stability for families.

They also discuss:

✔️ Why fear stops so many buyers from making a move
✔️ Is now actually a good time to buy a home?
✔️ Why Southern California real estate behaves differently
✔️ What first-time homebuyers often misunderstand
✔️ How real estate creates generational wealth
✔️ Why waiting for lower rates can sometimes backfire
✔️ The emotional side of buying a home

Whether you're a first-time buyer, move-up buyer, investor, or simply wondering if now is the right time to purchase, this conversation offers a grounded perspective on real estate, timing, and long-term wealth building.

===============
Follow Andrianna Felando!
Instagram: andriannamarie
Facebook:   / andrianna.tucker 
Website: https://web.jmj.me/AndriannaFelando

===============
Follow Mike Grambow!
Instagram: mike_grambow_mortgage
Facebook: Mike Grambow Mortgage
Youtube: @MikeGrambowMortgage
Website: www.jmj.me/mgrambow
NMLS 1766492

================================

🔍 Questions This Video Answers:
• Is now a good time to buy a house?
• Should I wait for interest rates to drop?
• Why do buyers regret waiting?
• How does home appreciation actually work?
• Is buying a home still worth it in California?
• How can real estate create generational wealth?
• What should first-time homebuyers know before purchasing?

#mortgage #firsttimehomebuyer #southerncaliforniarealestate #longbeachrealestate #orangecountyrealestate #homebuyingtips #realestatepodcast #mortgagetips #generationalwealth #housingmarket

What does it actually take to build momentum in real estate… fast?

In this episode of the Mortgage Lounge, Mike Grambow sits down with Winston Yeh of the Sackin Stone Team in Huntington Beach to talk about career pivots, relationship-based business, and what it really takes to grow in real estate today.

Before real estate, Winston spent years helping run his family’s wedding gown business, overseeing sales, production, and international operations. Then in 2022, he made a major career shift and has since completed more than 37 transactions while building a business rooted in trust, patience, and genuine relationships.

This conversation covers what new agents often overlook, why being genuine matters more than hard selling, how team sports shape leadership, and why patience is still one of the biggest advantages in today’s market.

===============
Follow Winston Yeh!
Instagram: Winston Yeh

===============
Follow Mike Grambow!
Instagram: mike_grambow_mortgage
Facebook: Mike Grambow Mortgage
Youtube: @MikeGrambowMortgage
Website: www.jmj.me/mgrambow
NMLS 1766492

🔍 QUESTIONS THIS VIDEO ANSWERS

• Is it too late to start a career in real estate?
• How do new Realtors succeed faster?
• What skills transfer into real estate success?
• How important are relationships in real estate?
• What makes buyers trust an agent?
• Should new agents join a real estate team?

========================

#realestatepodcast #realestateagent #huntingtonbeachrealestate #longbeachrealestate #orangecountyrealestate #californiarealestate #mortgagelounge #realestatetips #realtorlife #realestatecareer #newrealtor #businessgrowth #entrepreneurmindset #realestatecoach #homesellingtips #homebuyingtips #relationshipmarketing #realestateeducation #realestatebusiness #southerncaliforniarealestate

Most buyers think once you’re approved, the deal is done. It’s not.

In this episode, Mike Grambow sits down with Rod Grishaber to break down one of the most overlooked parts of real estate, title and what can go wrong right before closing.

From hidden liens to last-minute surprises, they explain why deals can fall apart even after everything seems approved.

Inside this conversation:

• What title insurance actually protects you from
• Why liens can show up at the last minute
• The difference between buyer risk vs property risk
• How title companies clear issues before closing
• Why some deals get delayed… and others don’t

They also walk through real scenarios, including IRS liens, child support liens, and property issues that almost stopped deals from closing.

If you’re buying, selling, or working in real estate, this is the part of the process most people don’t fully understand until it becomes a problem.

===============
Follow Rod Grishaber!
Instagram: Rod Grishaber
Facebook: https://m.facebook.com/groups/titleu/...
Youtube: @TitleU101
Tiktok: @rodgrishaber

===============
Follow Mike Grambow!
Instagram: mike_grambow_mortgage
Facebook: Mike Grambow Mortgage
Youtube: @MikeGrambowMortgage
Website: www.jmj.me/mgrambow
NMLS 1766492

=================
🔍 WHAT THIS VIDEO ANSWERS

• What does a title company do in real estate?
• What is a lien on a property?
• Can a deal fall apart before closing?
• Why do issues show up last minute in escrow?
• What is title insurance and do I need it?
• How are liens removed before closing?

===================================

#realestate101 #homebuyingtips #realestatepodcast #escrowprocess #titleinsurance #closingday #homebuyers #realestatetips #orangecountyrealestate #californiarealestate #mortgageprocess #propertybuying #realestateeducation #homeownership #realestateadvice #firsttimehomebuyer #housingmarket #realestatestrategy #behindthescenesrealestate #loanofficerlife

What does it really take to build a successful real estate business… on your own?

In this episode, Angie Sandoval sits down with Angie Rebennack, a top-performing agent in Long Beach who has built her business through consistency, systems, and genuine connection with her community.

Instead of relying on a large team, she shares how being intentional with her time, her relationships, and her daily structure has allowed her to grow while still staying present for her family and life outside of work.

Inside this conversation:

• How consistency compounds over time
• The systems that make her business sustainable
• Why community involvement leads to real referrals
• How she balances family, business, and personal life
• What most people overlook when building a real estate career

This is a real look at what success can look like when it’s built with purpose, not pressure.

===============
Follow Angie Rebennack!
Instagram:  Angie Rebennack
Facebook:  Angie Rebennack Realtor
Youtube:  ‪@angierebennack‬
Website: www.angie-r.kw.com
NMLS 1766492
===============

Follow Angie Sandoval!
Instagram: lendingwithangie
Youtube: ‪@LendingwithAngie‬
Website: www.jmj.me/asandoval
NMLS 1766492
==============================
🔍 WHAT THIS VIDEO ANSWERS

• Can you succeed in real estate on your own?
• What makes a real estate business sustainable?
• How do agents stay consistent long term?
• How do relationships turn into referrals?
• What does a successful solo agent do differently?

===============================

#realestateagent #realestatepodcast #longbeachrealestate #californiarealestate #realestatetips #topagent #realtorlife #realestatesuccess #agentlife #realestatemarketing #communitymarketing #referralbusiness #realestatestrategy #womeninrealestate #realestateeducation #homebuyingjourney #realestategrowth #listingagent #realestatebusiness #entrepreneurmindset

Success in real estate isn’t just about closing deals.
It’s about what you do before anything starts working.

In this episode, Mike Grambow sits down with Zach Mickelson, a 24-year-old agent who built over $50M in production while navigating the challenges most new agents never get past.

This conversation goes beyond one moment or one struggle.

It dives into the full journey, from starting with no traction, to learning how to take action without overthinking, to building confidence, systems, and eventually a team in a highly competitive market like Orange County.

They break down what actually creates momentum in real estate, why consistency matters more than talent, and how shifting your mindset can completely change the direction of your business.

If you’re an agent trying to grow, or someone curious about what it really takes to succeed in today’s market, this episode gives you a real, grounded perspective.

===============
Follow Zach Mickelson!
Instagram: zachmickelson1
Facebook: Zach Mickelson
Youtube: @ZachMickelson
Website: https://ocrealtorzachmick.com/

===============
Follow Mike Grambow!
Instagram: mike_grambow_mortgage
Facebook: Mike Grambow Mortgage
Youtube: @MikeGrambowMortgage
Website: www.jmj.me/mgrambow
NMLS 1766492

========================
WHAT THIS VIDEO ANSWERS
• What does it really take to succeed in real estate?
• How do agents go from zero to high production?
• Why do most new agents struggle early on?
• What mindset shifts create real momentum?
• How do you compete in a market like Orange County?
• When should you start building a team?

=========================
#orangecountyrealestate #southerncaliforniarealestate #californiahousingmarket #realestatepodcast #realestatejourney #newagenttips #realestatecareerpath #fromzerotoproducer #realestatesuccessstory #agentgrowthmindset

In this episode, Mike Grambow sits down with Laine Warthan to unpack one of the biggest mistakes buyers make in today’s market.

They break down:
✔️ Why timing the market rarely works
✔️ How buyers slowly price themselves out
✔️ What actually matters more than rates
✔️ Why getting in the game early changes everything

As Laine explains, many buyers who waited during strong opportunities ended up regretting it later, especially as prices and competition moved faster than expected.

========================
Follow Laine Warthan!
Instagram: soldbylaine
DRE #02155945
======================
Follow Mike Grambow!
Instagram: mike_grambow_mortgage
Facebook: Mike Grambow Mortgage
Youtube: @MikeGrambowMortgage
Website: www.jmj.me/mgrambow
NMLS 1766492
======================

If you’re buying in Long Beach, Orange County, or anywhere in Southern California, this is something you need to hear.

Especially if you’ve been asking yourself:
• Is now really the right time to buy?
• Should I wait for rates to drop?
• What happens if I wait too long?
• How does appreciation actually work?
• Why do so many buyers regret waiting?
================================

#homebuying #realestate #mortgagetips #firsttimehomebuyer #longbeachrealestate #orangecountyrealestate #southerncaliforniahomes #realestatemarket #interestrates #homebuyertips #propertyinvestment #wealthbuilding #homeownership #realestateadvice #buyingahome #housingmarket #equitygrowth #realestateeducation #californiarealestate #financialdecisions

What does it really take to succeed in real estate and lending in California?

In this episode of The Mortgage Lounge, Jason sits down with Israel Mazariegos, a loan officer based in Huntington Beach, California, to talk about the real journey behind success in real estate.

This is not a typical market update.

Israel shares his personal story of losing his home during high school, living in his car, and working his way through uncertainty before finding his path in real estate and mortgage lending. Today, he serves families across Orange County, Los Angeles County, Ventura County, and San Diego.

This conversation breaks down what most people get wrong about the industry, why many loan officers and agents struggle to stay consistent, and how doing the simple, daily work separates those who succeed from those who don’t.

If you are a first-time homebuyer, a real estate agent, or someone exploring a career in mortgage or real estate in Southern California, this episode gives you a real perspective on what it takes.

====================

Follow Israel Mazariegos!
Instagram: thelendingrealtor
Website: https://linktr.ee/thelendingrealtor

====================

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

=========================

📌 Key Topics Covered

✔ Real estate and mortgage career journey in California
✔ What most new agents and loan officers struggle with
✔ The importance of mentorship in real estate success
✔ Why consistency matters more than talent
✔ How social media is changing real estate marketing
✔ Serving Spanish-speaking homebuyers in California
✔ The mindset needed to succeed in today’s market
✔ Lessons from failure and starting over

📍 California Real Estate Focus

This episode covers real estate insights and experiences across:

Huntington Beach
Orange County
Los Angeles County
Ventura County
San Diego County

If you are trying to build something in real estate or mortgage, this episode shows that success is not about shortcuts.

It is about showing up every day, even when it is hard.

=========================
#californiarealestate #mortgagetips #realestatecareer #loanofficerlife #orangecountyrealestate

What is really holding buyers back right now, market conditions, or fear?

In this conversation, Jason sits down with Sarah Ireland of Ignite Real Estate Group to talk about what is happening in the Long Beach and Los Alamitos real estate market, why some buyers are still hesitating, and how waiting too long can completely change what is possible.

Sarah shares what she is seeing on the ground in desirable parts of Long Beach, Seal Beach, Cypress, and surrounding areas, where strong properties are still getting multiple offers even in a more uncertain environment. She also talks about how buyer hesitation is showing up, especially when interest rates, global headlines, and affordability pressures create uncertainty.

One of the most powerful parts of this episode is the discussion around buyers who waited. Jason and Sarah unpack real examples of people who backed out years ago, stayed on the fence, and now find themselves priced out of the neighborhoods they originally wanted. It is a grounded reminder that fear can be expensive.

The episode also dives into the Long Beach condo market, including HOA issues, insurance, SB 326 balcony concerns, financing challenges, and why there may still be real opportunity for buyers who understand how to navigate it correctly.

If you are a buyer, seller, investor, Realtor, or lender trying to understand the Southern California market right now, this is a practical and timely conversation.

Follow Sarah Ireland!
Instagram: Sarah Ireland
Website: https://www.igniteregroup.com/

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

#longbeachrealestate #southerncaliforniarealestate #homebuyertips #condomarket #realestatemarket

Follow JMJ Financial Huntington Beach Socials!

Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach  

Is running ads really the answer, or are most businesses focusing on the wrong thing?

In this conversation, Jason sits down with Ryan Hayes to unpack one of the biggest misconceptions in modern marketing, the idea that paid ads are the main driver of business growth. Ryan shares a different perspective, one rooted in creativity, brand consistency, customer journeys, email, SMS, and the systems that actually move people toward action.

Rather than focusing on ad buying, Ryan explains why his agency prioritizes brand identity, lifecycle marketing, and strong creative execution. He breaks down how businesses can use customer data, segmentation, and better communication to improve results without becoming wasteful or overly dependent on ads.

A major part of the conversation also centers on AI. Jason and Ryan talk about how AI is already changing the way businesses operate, where it helps most, where it can become lazy or harmful, and why authenticity still matters. Ryan shares how he uses AI inside his agency to improve efficiency, streamline workflows, and create better internal systems, while still protecting the human side of branding and communication.

If you are a realtor, loan officer, entrepreneur, marketer, or business owner trying to figure out growth, lead generation, or how to use AI without losing your voice, this episode gives a strong and timely perspective.

Follow Ryan Hayes!
Instagram: Ryan Hayes
Instagram: apbdagency
Website: https://www.apbd.com/

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

Key Takeaways From This Episode

• Why Ryan Hayes believes ads are not always the best first move
• The real value of creativity and consistency in building a brand
• How email and SMS marketing can outperform what most people expect
• Why open rates are often vanity metrics, and what matters more
• How segmentation helps businesses speak to the right person at the right time
• Why most businesses are ignoring the goldmine in their existing database
• How AI can improve efficiency when used with intention
• The danger of relying on AI without authenticity or context
• Why consistency still matters more than instant gratification
• How real estate professionals can think differently about marketing and growth

At the same time, this episode challenges a common belief in both real estate and business, that more visibility automatically means more trust. Ryan and Jason make the case that what really matters is not just being seen, but creating enough value that people actually remember, trust, and choose you.

#ryanhayes #marketingstrategy #realestatemarketing #businessgrowth #aiinbusiness

What happens when real estate becomes about more than transactions?

In this episode, Matt sits down with Tim Ganley of Boise Real Producers to talk about community, leadership, storytelling, and the deeper purpose behind bringing top real estate professionals together in the Treasure Valley.

Tim shares his Boise roots, his background in hospitality, sales, real estate investing, and entrepreneurship, and how those experiences eventually led him to launch Boise Real Producers. What started as a business opportunity became something much more meaningful, a platform built around connection, recognition, and celebrating the people behind the production.

This conversation goes beyond the magazine itself. It touches on faith, family, resilience, starting a business from scratch, building in uncertainty, and why Tim’s mission has evolved into something centered on love, relationships, and helping people truly know one another in an industry that often moves too fast.

If you are in real estate, business, or leadership, this episode is a reminder that influence is not just about numbers. It is about how you make people feel, how you show up, and what kind of culture you help create.

Follow Tim Ganley!
Instagram: tim.ganley
Instagram: boiserealproducers

Follow Matt Morrell!
Instagram: MattsMorrell
Website: https://themorrellteam.com/
NMLS 1008678

Key Takeaways From This Episode

• Tim’s background growing up in Boise and how the city has changed
• How hospitality and car sales shaped his communication and sales skills
• Why he left traditional career paths to pursue entrepreneurship
• The story behind launching Boise Real Producers
• What Boise Real Producers actually does for the real estate community
• Why relationships matter more than transactions
• How storytelling can create stronger collaboration in business
• What it means to highlight the human side of real estate professionals
• Why top producers still need community, connection, and encouragement
• How Tim’s personal mission has shifted toward leading with love
• The role faith, family, and fatherhood have played in shaping his purpose

What Makes Boise Real Producers Different

Boise Real Producers is more than a publication.

It is a platform designed to spotlight top real estate professionals in the Treasure Valley, not just for what they produce, but for who they are, how they lead, and the impact they make in the community.

Through print, events, and storytelling, Tim is helping create a space where real estate agents can move from simply knowing of each other to genuinely knowing each other. That shift matters, because stronger relationships often lead to better collaboration, better transactions, and a stronger local industry overall.

#boiserealestate #realestateleadership #boiserealproducers #realestatecommunity #businessgrowth

Selling a Home During Divorce, What Most People Don’t Know

Divorce is already emotional. Adding a home sale on top of it can make everything feel even heavier.

In this conversation, Jason sits down with Lori McShane of Equity Union to talk about what really goes into selling a home during divorce, and why this is not a situation that should be handled like a traditional real estate transaction.

Lori shares how her own personal experience led her to become a Certified Divorce Specialist, and how that training helped her better understand the emotional, legal, and logistical layers involved when a home becomes part of the divorce process.

This episode is about more than listing a property. It is about clarity, neutrality, communication, and helping people move through one of life’s hardest transitions with a real plan.

Jason also shares insight from the mortgage side, including what can happen when one spouse wants to keep the home, refinance, or buy the other party out, and why proper documentation and planning matter so much in these situations.

If you are navigating divorce in Southern California, or trying to understand what happens to the house, this conversation will give you a clearer picture of what to expect and why the right guidance matters.

Follow Lori McShane!
Instagram: Lori McShane | Realtor Pasadena CA
Facebook: Lori McShane 
Website: https://sellingwithlori.com/

Follow Jason Thomas!
Instagram:jason_thomas_mortgage
Facebook: Jason Thomas Mortgage 
Website: www.jmj.me/jthomas
NMLS 1163778

Key Takeaways From This Episode

• Why divorce home sales are different from traditional transactions
• What a Certified Divorce Specialist actually does
• The importance of staying neutral during the process
• Why clarity before action can prevent bigger problems later
• What can happen with the mortgage during divorce
• Refinance, buyout, or sale, the main paths people consider
• Why communication between all parties matters
• How legal, emotional, and financial factors all affect the home sale
• Why pricing, preparation, and documentation matter even more in divorce situations
• How Lori’s webinar breaks down the five steps of selling a home during divorce

What Lori Covers In Her Divorce Home Sale Process

Lori walks through a five step framework designed to help people better understand the process:

Clarity before action
Alignment on a plan
Listing with intention
Showings and offers
Contract to close

That structure helps bring order to a situation that can otherwise feel chaotic and emotionally overwhelming.

What does it really take to start over in a new state and build a business from the ground up?

In this episode, Matt sits down with Kyle of Keyrenter Boise to talk about his path from California manufacturing sales into property management, and how a major life transition led to building a business centered on family, service, and long-term legacy.

Kyle shares why he and his wife made the move from the Bay Area to Idaho, what it was like rebuilding in a brand new market, and how a friendship turned into a business partnership that helped launch Keyrenter Boise. What started with zero doors has grown into nearly 500 properties, but the bigger story is how they built that growth through relationships, trust, and a strong client experience.

This conversation also gives a practical look into the Boise rental market, property management fees, vacancy, maintenance, investor strategy, and why so many real estate agents and landlords are looking for the right property management partner.

If you are a real estate investor, landlord, Realtor, or someone considering rental property in Boise, Meridian, Eagle, Nampa, Caldwell, or the greater Treasure Valley, this episode gives a grounded look at what matters most in property management today.

Follow Kyle Frederickson!
Instagram:Keyrenter Boise Property Managementl
Website: https://keyrenterboise.com/

Follow Matt Morrell!
Instagram: MattsMorrell
Website: https://themorrellteam.com/
NMLS 1008678

Key Takeaways From This Episode

• Why Kyle left California and chose Idaho for family life
• How Keyrenter Boise was built from the ground up
• The role relationships play in growing a referral based business
• Why trust matters so much in property management
• How property management can support both landlords and Realtors
• What investors should know about vacancy, lease timing, and maintenance
• Why Boise area rental demand is still strong
• What is changing in areas like Nampa, Caldwell, Star, Eagle, and Garden City
• Why student housing and furnished rentals are creating new opportunity
• How a strong property management company helps investors think long term
• Why legacy building matters more than just short term business growth

#boisepropertymanagement #idahorealestate #rentalpropertyinvesting #boiserealestate #propertymanagement

Feeling scared, overwhelmed, or “semi broke” as a first time homebuyer is more common than people admit.

In this conversation, I sit down with Matt Welch to talk about what really helps buyers move forward, even when the market feels confusing and the noise online feels nonstop. This isn’t hype, it’s practical advice rooted in trust, education, and long term strategy.

Matt shares a simple truth most buyers overlook, the right real estate agent should make the process feel supported, not stressful. Jason adds the missing piece, you need people in your corner who can educate you, walk you through the options, and keep you from making fear based decisions.

They also tackle the myths that keep buyers stuck, like thinking you need 20% down, or believing mortgage insurance automatically means you’re making a bad move. The real problem isn’t the program, it’s misinformation, and the fear that comes from too many loud opinions.

If you’re trying to buy a home in Long Beach, Orange County, or anywhere in Southern California, this episode is a reminder that you don’t need perfect timing, you need clarity, a plan, and the right guidance.

Follow Matt Welch!
Instagram: thewelchgrouplb
Website:https://www.thewggrp.com/

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

Follow JMJ Financial Huntington Beach Socials!

Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach 

Key Takeaways From This Episode

• How to stop fear from running your buying decisions
• Why finding an agent you trust changes everything
• The value of education first, not pressure first
• Why you don’t need 20% down to buy a home
• Mortgage insurance explained in real life terms
• How to tune out misinformation and build a smart plan

#firsttimehomebuyer #mortgageadvice #longbeachrealestate #orangecountyrealestate #californiamortgage

Some journeys are about changing countries.
Others are about discovering who you are.

In this episode, Oleg Superov shares his path from Russia to the United States, and how that journey shaped not only his dance career but his philosophy on confidence, growth, and community.

What started as movement became something much deeper.

Oleg talks about building his studio, Dance All You Can, and why the name reflects more than just learning choreography. It represents freedom. Exploration. The ability to try, fail, grow, and express yourself without fear.

He also shares how cultural differences impacted his perspective on opportunity, and how adapting to a new environment forced him to develop resilience and self belief. Dance became more than a skill. It became a language that connects people regardless of background.

This conversation goes beyond technique. It touches on identity, confidence, emotional connection, and what it really means to teach and lead.

Follow Oleg Suvorov!
Instagram:  / danceallyoucan 
YouTube: @DanceAllYouCanFountainValley
Website: https://www.danceallyoucan.com/
Facebook :   / danceallyoucan 

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

Key Points in This Episode:

• Why confidence is the foundation of growth in dance and in life
• How cultural shifts reshape your mindset about opportunity
• The deeper meaning behind “Dance All You Can”
• Why community support is essential in creative industries
• How learning through experience builds lasting skill and self trust
• The emotional side of teaching, not just the technical side
• Why dance transcends language and becomes a universal form of expression
• How confidence is built slowly, through repetition and patience

Growth looks different for everyone.
Learning is never linear.
And sometimes the biggest transformation isn’t in your steps, it’s in your mindset.

If you’ve ever struggled with confidence, change, or stepping into something new, this episode will resonate.

#dancejourney #confidencebuilding #personalgrowth #dancecommunity #creativeentrepreneur

Is the housing market really heading for a crash, or is the data telling a very different story?

In this episode, Jason sits down with housing economist Steven Thomas to break down what’s actually happening with interest rates, home values, and inventory, especially in Orange County and Southern California.

They unpack why popular crash narratives and so-called “18-year housing cycles” don’t hold up under real data, and why today’s housing market looks fundamentally different from past downturns like 2008. The conversation focuses on what truly impacts affordability, how fixed-rate mortgages change long-term outcomes for homeowners, and why stability matters more than sudden rate drops.

Follow Steven Thomas!
Facebook:   / socalsteven 
Website:www.reportsonhousing.com
Youtube:  @ReportsOnHousing 

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

Check out what’s new at JMJ Financial Huntington Beach Branch 🏡 https://share.google/wemAolD64jnvIHlLn

Follow JMJ Financial Huntington Beach Socials!

Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach 

#housingmarket #realestateinsights #orangecountyrealestate #southerncaliforniahousing #interestrates #homebuyertips #realestatedata #marketclarity

In this engaging conversation, Beatrix Whipple, founder of the Whipple Group, shares her journey from a background in competitive running to building a successful career in real estate.

Beatrix talks about how personal experiences, discipline, and mindset shaped her professional path, and how those same principles apply to navigating today’s real estate market. Together, the discussion explores current market dynamics, interest rate concerns, and why waiting for the “perfect” time to buy often leads to missed opportunities.

A major focus of this conversation is first-time home buyers, the fears they commonly face, and why education is the most powerful tool when making one of life’s biggest financial decisions. Beatrix breaks down the importance of equity, long-term thinking, and how homeownership can be a powerful vehicle for building wealth over time.

The conversation also highlights why aligning with the right professionals matters, and how strong communication and problem-solving can make the home buying process smoother and more empowering.

==================================
Follow Beatrix Whipple!
Instagram:   / beatrix_whipple 
Website: https://thewhipplegroup.com/

===================

Follow Jason Thomas!
Instagram:jason_thomas_mortgage
Facebook: Jason Thomas Mortgage
Website: www.jmj.me/jthomas
NMLS 1163778

==========================

In this episode, you’ll hear about:
✔ Beatrix’s transition from running to real estate
✔ How fitness and discipline translate to business success
✔ Current real estate market challenges and interest rates
✔ The real benefits of homeownership beyond monthly payments
✔ Why equity matters for long-term wealth building
✔ Common fears first-time buyers experience
✔ The importance of education before buying a home
✔ Why waiting for perfect timing can backfire
✔ Real estate as a problem-solving business
✔ The value of working with knowledgeable professionals

This episode is ideal for first-time buyers, aspiring homeowners, and anyone looking to better understand how real estate fits into long-term financial growth.

#realestatepodcast #firsttimehomebuyer #realestatetips #homeownership #buildingwealth #realestateeducation #marketupdate #realtormindset #womeninrealestate #equitybuilding #realestatejourney #financialliteracy #buyingahome<

In this episode of The Mortgage Lounge, I’m joined by Ashley Griffin as we break down what’s really changing in mortgage lending as we head into 2026, and what real estate agents and buyers need to understand to stay ahead.

Lending hasn’t gotten harder. It’s gotten more precise.

We talk through how increased conventional loan limits are impacting affordability, why appraisals feel different this year, and how smarter non-QM lending is helping self-employed buyers, investors, and business owners qualify more strategically. We also dive into where deals still fall apart, not because of buyers or sellers, but because of misunderstandings in the lending process.

====================
Follow  Ashley Griffin!
Instagram: ashley_the_mortgage_banker
Website: www.jmj.me/agriffin
NMLS 455520
====================
Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

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This conversation is designed to help realtors write stronger offers, help buyers avoid unnecessary stress, and show why working with true advisors, not box-checkers, matters more than ever in today’s market.

In this conversation, we cover:
• What higher 2026 loan limits really mean for buyers
• Why some loans no longer require appraisals
• How non-QM lending is being used strategically, not recklessly
• Common lending mistakes agents are still making
• Why early, fully-underwritten pre-approvals matter
• Creative financing strategies that are working again
• How preparation reduces stress and increases offer strength
• Why collaboration beats ego in today’s market

If you’re a real estate agent, buyer, or investor trying to navigate a more competitive market, this episode will give you clarity, context, and practical takeaways you can actually use.

================================
Follow JMJ Financial Huntington Beach Socials!

Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach  

In this conversation with Gonzalo, we get into what really separates a good project from a great one — and it has nothing to do with cutting corners. Gonzalo grew up in a family of builders, and that foundation shows in the way he approaches every home. His philosophy is simple: do it right, even when it costs more, because the end result is a home people can feel proud of.

We talk about the evolution of his business, the pressure flippers face to balance quality with budget, and why design is no longer optional if you want to stand out in this market. Gonzalo shares the real numbers, the real challenges, and the real wins — especially when it comes to kitchens, bathrooms, and strategic upgrades that actually move the needle for buyers.

But what stands out most is his commitment to transparency and relationships. Whether it’s negotiating better pricing, building a consistent brand, or guiding homeowners through remodel decisions, Gonzalo leads with honesty and trust. And in today’s market, that’s rare.

Follow Gonzalo Valencia!
Instagram:   / onthehouse_zo 
Website: https://circa23la.com/

Follow Jason Thomas!
Instagram:jason_thomas_mortgage
Facebook: Jason Thomas Mortgage
Website: www.jmj.me/jthomas
NMLS 1163778

Like, comment, and subscribe for conversations that bridge real estate and the stories that shape our industry.

Follow JMJ Financial Huntington Beach for more updates

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In this conversation with Lisa, we dive into a mix of topics that all point back to one theme: community and connection are everything in real estate.

We talk about the car show concept we’ve been building, why events like this matter for local engagement, and how showing up for your community creates real trust — the kind that actually moves business forward.

From there, we pivot into what’s happening in the market right now. Real estate continues to accelerate in ways many people didn’t expect, and we break down where the opportunities are, how interest rates may shift, and why agents who adapt quickly will win big in the next cycle.

Follow Lisa Kovacs!
Instagram:   / lisakovacsrealtor 
Facebook:   / lisakovacsrealtor 
Website: https://lisakovacsrealtor.com/

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

Follow JMJ Financial Huntington Beach for more updates

Google Business: https://share.google/3ixcDutlLbLQ3L2a7
Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach  

In this conversation with Justine, we unpack what it really looks like to buy your first home — the questions people are afraid to ask, the confusion around financing, and the real-world strategies that actually help you get into a property without losing your mind.

Justine and I talk through the biggest advantage a first-time homebuyer can give themselves: preparation. From understanding how pre-approval works, to exploring creative financing, to learning how tax benefits can offset long-term costs, this conversation is about replacing fear with clarity.

We also get into one of my favorite topics — multi-unit investing. For many buyers, a duplex or triplex is the fastest path to security and long-term wealth, and Justine breaks down why this option is more accessible than most people think.

But more than anything, we highlight the importance of partnership.
Finding the right realtor and the right lender isn't about chasing the lowest rate or biggest personality — it's about alignment, trust, education, and someone who’s willing to walk you through every step without pressure.

Follow Justine Jardine Prouty!
Instagram:   / jjp_realestate 

Follow Jason Thomas!
Instagram :jason_thomas_mortgage
Facebook: Jason Thomas Mortgage
Website: www.jmj.me/jthomas
NMLS 1163778

Topics we cover:
✔ When to start preparing for homeownership
✔ How pre-approval really works
✔ Tax benefits most buyers overlook
✔ Creative financing options
✔ Why interviewing lenders matters
✔ Multi-unit vs single-family as a first purchase
✔ How to know you’ve found the right agent
✔ Mindset, instincts, and long-term thinking

Follow JMJ Financial Huntington Beach for more updates

Google Business: https://share.google/3ixcDutlLbLQ3L2a7
Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach  

In this conversation, the founders of Story Builders, Shelby Paget and Dennis, discuss their journey in establishing a home building company in the Treasure Valley. They share insights on their backgrounds, the importance of faith in their business, and the challenges and opportunities they face in the real estate market. The discussion highlights the significance of partnerships, mentorship, and community support in navigating the entrepreneurial landscape. They also outline their vision for growth and the role of intentionality in their approach to business.

Follow Shelby Paget!
Instagram:   / shelbycpaget 
Youtube:  ‪@ShelbyPaget‬

Follow Dennis McElroy!
Instagram:   / dennispmcelroy 

Follow Story Builders LLC
Instagram:   / storybuildersco 
Website: https://storybuildersco.com/

Follow Matt Morrell!
Instagram: MattsMorrell
Website: https://themorrellteam.com/
NMLS 1008678

The importance of faith in guiding business decisions.
Building a company is about creating a story for clients.
Partnerships can enhance business velocity and execution.
Navigating risks is crucial for new companies.
Mentorship plays a vital role in entrepreneurial success.
Intentionality in business decisions leads to better outcomes.
The Treasure Valley offers unique opportunities for growth.
Community support is essential for overcoming challenges.
Learning from mistakes is part of the entrepreneurial journey.
Focus on core business objectives to avoid distractions.

In this conversation with Coach Beez, better known as The Jump Shot Doc — we talk about more than just basketball. We dig into mindset, parenting, mental health, and how performance on the court reflects performance in life.

Coach Beez shares his journey from high school championships to college hoops and professional play in Europe, and how finding balance, purpose, and perspective became the real win. We talk about the mental side of sports, the pressure young athletes face today, and how that connects to the same inner struggles professionals experience in business, especially in high-stress industries like mortgages and sales.

Follow JCoach Beez!
Instagram:   / jumpshotapp 
Website: https://www.jumpshotapp.com/
Youtube: ‪@theJumpShotapp‬
TikTok:   / thejumpshotdoc 

Follow Jason Thibodeau!
Instagram: jasonthibodeauofficial
Website:www.jmj.me/jThibodeau
NMLS 296586

Learn more about JMJ Financial Huntington Beach Branch here 👉 https://share.google/wemAolD64jnvIHlLn

Follow JMJ Financial Huntington Beach Socials!
Facebook: https://www.facebook.com/profile.php?...
LinkedIn: https://www.linkedin.com/company/jmj-...
Instagram:   / jmj_financial_huntington_beach  

Ever wonder what’s really happening in the Orange County housing market? In this episode of The Mortgage Lounge, we cut through the noise and explain what’s actually driving home prices, buyer behavior, and mortgage rates in 2025.

Kevin shares his newest $9M listing in Corona Del Mar’s Spyglass Hill — a property that perfectly illustrates how location, land, and long-term value work together in today’s market. You’ll learn what makes this area so desirable, how buyers analyze “dirt value,” and why some homes appreciate faster than others.

Mike joins the conversation to unpack why Fed rate cuts don’t always mean lower mortgage rates, the role of job data and inflation in shaping daily rate movement, and how supply-and-demand patterns are keeping Orange County stable while other markets fluctuate.

If you’ve been confused by headlines about “foreclosures up” or “price reductions everywhere,” this video explains what those stats actually mean — and how to read them like a pro.

🧠 You’ll Learn

What defines a normal market and why OC isn’t “crashing”
How to interpret foreclosure data and media headlines correctly
What’s behind price reductions and how to spot overpricing
Why coastal California homes hold long-term value
How buyers in the $5M–$10M range really structure financing (cash, private banking, or alternative loan programs)
How Fed decisions, jobs reports, and inflation tie directly to mortgage rate movements

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Follow Kevin Sullivan!
Instagram:   / sullkevin 
Website: https://kndrealestate.com/
Email: kevin.sullivan@compass.com

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Follow Mike Grambow!
Instagram: mike_grambow_mortgage
Facebook: Mike Grambow Mortgage
Youtube: @MikeGrambowMortgage
Website: www.jmj.me/mgrambow
NMLS 1766492

============================
Follow JMJ Financial Huntington Beach for more updates

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