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Speaker 1: Welcome into the Creative Construction Wisconsin Home improvement show on

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Speaker 1: Fox Sports nine twenty and your iHeartRadio app as always,

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Speaker 1: coming live from the Donovant and Jorgensen Heating and Cooling studios.

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Speaker 1: It's a perfect time to have them come out and

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Speaker 1: just do a maintenance program on that HVAC system. It's

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Speaker 1: going to get really cold again and you want to

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Speaker 1: make sure that your furnace is ready to go. Go

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Speaker 1: to Donovan Jorgenson dot com, my co host. He is

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Speaker 1: here and he told me right away he spoiled that

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Speaker 1: little one, that granddaughter for Christmas. It wasn't so much.

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Speaker 1: You don't I don't think right.

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Speaker 2: Well, you know, I'm one of those people. I'm just

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Speaker 2: as surprised to see what she gets as she is.

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Speaker 1: I take the little credit when the grandkids really like that.

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Speaker 2: Yeah, And he said, man, I love this toy, thank you,

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Speaker 2: thank you.

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Speaker 1: I picked it.

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Speaker 3: I picked it up.

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Speaker 1: Yeah, I picked I'm telling you, I've got to give credits.

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Speaker 2: With all my kids though. It's all my kids. Whatever

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Speaker 2: they get, whatever they open up, I'm just as surprised

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Speaker 2: as the Yes. Yeah, I'm not allowed in. And you know,

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Speaker 2: even with all the can you know she has certain

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Speaker 2: rooms I'm not allowed to go in anymore. But now

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Speaker 2: we're done with the holidays, now I can. I can

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Speaker 2: look at stuff back and yeah, she's like, no, that

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Speaker 2: door shut is locked. Don't quite, there's no reason for

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Speaker 2: you to go in there. Well, now, you know, as

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Speaker 2: soon as you say that, now I want to go in.

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Speaker 1: I want to go and see, I got to give

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Speaker 1: credit to my wife, Terry. I got to She works

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Speaker 1: so hard and she never wants that day to end.

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Speaker 1: The nice thing this year is we're going to be

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Speaker 1: out at her sister's in Hartford today.

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Speaker 3: Later on she'll still doing Christmas, still.

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Speaker 1: Doing Christmas, yep. And she's normally she gets a little

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Speaker 1: bit depressed Christmas night when all the grandkids and our

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Speaker 1: kids go home, And this year not so much because

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Speaker 1: she knew another one's coming and this afternoon will be

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Speaker 1: out in Hartford and celebrating with the entire Paplinsky plant.

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Speaker 2: Well you know, you know Univer see like Debbie's you know,

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Speaker 2: she always like talks about the weather all the time. Yeah,

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Speaker 2: so that's why I got it for Christmas, one of

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Speaker 2: those weather station things.

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Speaker 1: Yeah.

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Speaker 2: So that ruined my whole day yesterday, just on a

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Speaker 2: build this thing at a manual on it for my truck?

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Speaker 2: Isn't a stick? Is this thing?

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Speaker 3: I was really busy all day yesterday.

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Speaker 1: You know what, this year, I got very personal with

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Speaker 1: the gifts, right. I got her an ornament with the

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Speaker 1: other grandkids' names, and I had a song did done for.

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Speaker 1: I did just some stuff that was kind of personal

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Speaker 1: for us, and and I think I did well this year.

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Speaker 1: I think, I don't know, we'll see My son in

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Speaker 1: law when he listened to the song I had made for,

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Speaker 1: he said, that's like a get out of jail free

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Speaker 1: card for like a year for you. I go, yeah, yeah,

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Speaker 1: I can mess up a couple of times. You start

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Speaker 1: playing the song, and I think they'll be all right.

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Speaker 3: I was gonna say.

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Speaker 2: On a construction site of our company, Sam wrote that

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Speaker 2: she did you know, twins night before christ that thing. Man,

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Speaker 2: I got a lot of people talking about that. That

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Speaker 2: was a great job that she did it.

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Speaker 1: Yeah, she's so talented. She just really is. Hey, I'm

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Speaker 1: excited about today's show. I'm going to ask a lot

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Speaker 1: of questions I don't know a whole lot about, so

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Speaker 1: it'll be perfect. Other than this boy being a Cuba

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Speaker 1: city grat which you know, the mighty Cubans. I got

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Speaker 1: a chance to coach against from one time. I did

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Speaker 1: get a win, so it was okay, the all time

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Speaker 1: winning his coach in the history. He's the goat in

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Speaker 1: the state of Wisconsin high school of basketball. Jerry Pettig,

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Speaker 1: you recently passed away and it certainly Uh, prayers for

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Speaker 1: Joan and Mark and the entire Pedigue clan. But joining

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Speaker 1: us from Johnson Financial Group, he's Kevin evan Off. Kevin,

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Speaker 1: how you been.

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Speaker 4: Oh pretty good?

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Speaker 1: Yeah, merry Christmas. You had a good Christmas, great Christmas. Yeah,

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Speaker 1: you get back, you get back to you. Oh, good

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Speaker 1: yours too. You get back to Cuba City very often.

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Speaker 5: Uh, my dad passed away three years ago. My mom moves,

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Speaker 5: so haven't been back.

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Speaker 1: There for a little while, but good, good memories from that.

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Speaker 1: What a beautiful part of the state of Wisconsin. If

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Speaker 1: you've not been to that area, and I've been there

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Speaker 1: a number of times, it's just a really beautiful part

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Speaker 1: of our state. It really is. I Jerry coach Pettig,

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Speaker 1: You and I got along pretty well for the most part.

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Speaker 1: There's a couple of bumps in the road there, but

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Speaker 1: you know, what he is. He was a guy that

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Speaker 1: just would reach out and ask how the grandkids are,

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Speaker 1: how's the family. Do you miss coach and stuff like that.

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Speaker 1: I miss having conversations with him.

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Speaker 4: Yeah, definitely a legend. Yeah, one hundred percent. Basketball is

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Speaker 4: that's the king in Cuba City.

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Speaker 1: Boys and girls, boys and girls, Yeah, one hundred percent,

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Speaker 1: no doubt. Hey, how long have you been? I know

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Speaker 1: it's relatively new, but how long have you been with

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Speaker 1: Johnson Financial Group?

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Speaker 4: Five months now?

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Speaker 3: Man?

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Speaker 1: And where were you? Where were you before that?

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Speaker 5: Oh?

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Speaker 4: I've been doing this forever. Gonna uh.

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Speaker 5: Graduated, got in the finance business, and then I got

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Speaker 5: in the mortgage world in nineteen ninety three. Was a

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Speaker 5: mortgage broker, went through many years on my own company

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Speaker 5: for quite a while the two thousand and eight. In

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Speaker 5: two thousand and nine, time came along.

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Speaker 1: Ouch ouch, I've put a lot of boys like you

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Speaker 1: out of business, didn't Yeah.

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Speaker 5: Well, I struggled along until twenty thirteen. Decided to sell

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Speaker 5: my small broker business and then work for several mortgage

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Speaker 5: companies and had the opportunity about five months ago to

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Speaker 5: come to Johnson. Talked to my regional manager for like

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Speaker 5: three months back and forth, and you know what it

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Speaker 5: is you talk to someone you know they drink in

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Speaker 5: the kool aid? Is it really this good and a

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Speaker 5: great decision? One of the best decisions I made in

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Speaker 5: my career.

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Speaker 1: Man, good for you. So reading a little bit about

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Speaker 1: Johnson Financial, what I really liked was a quote that

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Speaker 1: Helen Johnson Leopold, who is the chairman of the Financial Group,

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Speaker 1: when she said, founded by my father Sam Johnson, her

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Speaker 1: company represents some balance of tradition and change. Each generation

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Speaker 1: has to bring something new to the enterprise. Knowing what

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Speaker 1: to change and what not to change is the key.

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Speaker 1: And I read that a couple of times, and that's

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Speaker 1: so smart for me today as I'm reading that. Look,

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Speaker 1: she understands the tradition that her dad when he started

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Speaker 1: this company, but she understands that, you know, you you

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Speaker 1: have to bring when new generation takes over, you have

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Speaker 1: to know what to change and what not to change.

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Speaker 1: And I think that is really smart to put on

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Speaker 1: the website.

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Speaker 5: Yeah, I think that's for anybody that's in this industry.

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Speaker 5: It's constantly changing. You know, technology has changed how you

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Speaker 5: do things have changed, social media has changed everything. But

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Speaker 5: I think the biggest thing that they have and I

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Speaker 5: try to do myself is personal service is that's one

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Speaker 5: of the neat things about this company. They are the

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Speaker 5: largest private bank in the state. They are, you know,

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Speaker 5: big corporation, but not too big. And everybody there they

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Speaker 5: you call, you have a question, they reach out responsive

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Speaker 5: customer service. If a customer has a complaint, we're gonna

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Speaker 5: we're gonna look into it, We're going to find out

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Speaker 5: what the problem is. Well, yeah, that's the biggest thing

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Speaker 5: is changing with the industry, but just keeping that personal

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Speaker 5: service going. And I know people talk about that all time,

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Speaker 5: but really they are true to that work.

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Speaker 1: Well, when in nineteen seventy when Sam Johnson, who you know,

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Speaker 1: he owned one of the largest privately owned companies in

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Speaker 1: the world, S. C. Johnson, recognized the need for a

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Speaker 1: different kind of bank. And when I'm reading this on

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Speaker 1: the website and I watched these videos of not only

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Speaker 1: Sam but his daughter then talking about taking over, when

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Speaker 1: he talks about unmatched personal service and commitment to our communities.

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Speaker 1: When you're somebody who grew up in the Recine area

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Speaker 1: and started one of again one of the largest, most

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Speaker 1: successful privately owned companies in the world, when you're looking

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Speaker 1: at at a bank, you're looking at the community side

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Speaker 1: of it, and you understand the commitment that it takes

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Speaker 1: to be a really good value to the community. And

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Speaker 1: I thought, man, what a different set of eyes of

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Speaker 1: somebody opening a bank.

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Speaker 5: Yeah, I don't know the whole history, but no, but

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Speaker 5: I can talk to you about it because I've been

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Speaker 5: on your website getting ready for this show to the

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Speaker 5: orientation then, and yeah, it was pretty cool listening to

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Speaker 5: the history and what Obviously the sc Johnson started back

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Speaker 5: in I think eighteen eighties and then in nineteen seventy

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Speaker 5: decided we're going to have a bank.

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Speaker 4: And don't quote me on.

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Speaker 5: My story, but I think it was just a small

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Speaker 5: bank outside of Yeah, just like a rural place, and

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Speaker 5: somebody the story was like, what are you going to

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Speaker 5: put a bank here for? No one's going to show up?

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Speaker 5: And then it just gonna a roll evoll from there

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Speaker 5: it did.

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Speaker 1: And on the website when when when I'm reading the

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Speaker 1: four keys to the pillars of of how this bank

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Speaker 1: has been so successful and you look at compassion, customer, consistency,

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Speaker 1: and community, when the first one is compassion, and they

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Speaker 1: write this, Look, they're not running from this because it's

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Speaker 1: right there on the website. We operate with the highest

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Speaker 1: ethics and integrity while treating all people with empathy and respect. Look,

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Speaker 1: you don't get that everywhere you go, right when when

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Speaker 1: you're when when you need that. I can tell you

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Speaker 1: my personal story. We we're going to buy our first house,

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Speaker 1: my wife and I. This is years ago, and my

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Speaker 1: sister sold some real estate and she said, you should

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Speaker 1: go with this company to get your mortgage. And I

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Speaker 1: was told the night before they were gonna they were

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Speaker 1: gonna turn us down for for this loan. And I

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Speaker 1: was really not I didn't even tell Terry. I went

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Speaker 1: to a softball game that night. A friend of my

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Speaker 1: sister was playing and his uncle was there, Uncle Pete,

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Speaker 1: and Pete was like, my age right, And Pete was like, Mac,

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Speaker 1: what's going on? You're so quiet. I said, I got

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Speaker 1: some bad news. I haven't told you. He said what's

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Speaker 1: going on? And I told him. He goes, mag do

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Speaker 1: you know what I do? And I go no. He goes,

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Speaker 1: I'm the head mortgage person for this bank. Have they

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Speaker 1: turned you down yet? And I said no, They're going

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Speaker 1: to do it tomorrow at ten o'clock. And he said

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Speaker 1: call him at nine and pull it. He said, you

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Speaker 1: want a loan and I go yeah. He goes, are

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Speaker 1: you going to pay it back on time?

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Speaker 4: I go yeah.

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Speaker 1: He goes, okay, you got it, and I go, wait

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Speaker 1: what he said back, This is what I do. And

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Speaker 1: you just can't have this on your record that they

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Speaker 1: turned it down. So as soon as they open tomorrow morning,

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Speaker 1: whether you drive there or call her, tell her to

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Speaker 1: pull it and then you come see me. And he

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Speaker 1: came and helped us move in. And I kept calling

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Speaker 1: at the house that Uncle Pete built because that decision

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Speaker 1: to go to that softball game that night, and he

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Speaker 1: did all the paperwork, and I explained to him why

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Speaker 1: they were going to turn us down, and he said,

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Speaker 1: I can look past that because I know you and

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Speaker 1: I know where you're going to live, and I trust

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Speaker 1: that you and your wife will pay us back. And

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Speaker 1: it's like boom, And I don't think that can happen nowadays.

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Speaker 4: No, No, there's no handshakes.

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Speaker 1: No handshakes. But uncle Pete. Now I'm not giving this lesson.

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Speaker 1: But Uncle Pete, I still love him. I gotta be honest.

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Speaker 2: I thought the story was gonna be like, so you

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Speaker 2: went to the alley and paid a fifty.

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Speaker 1: Yeah it's only forty five with the Irish voice. Yeah,

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Speaker 1: I can tell you that. But I thank God back

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Speaker 1: then with the handshake and the and the nod. And

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Speaker 1: we made sure, I can tell you this, we made

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Speaker 1: sure that we were never even close to being laid

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Speaker 1: at anything with him, because that week was watching Uncle

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Speaker 1: Pete was watching every month. I've got to believe that

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Speaker 1: he was. But the compassion side of it, that's what

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Speaker 1: I thought of as soon as I read that on

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Speaker 1: on the website. What what do you think now that

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Speaker 1: you've been through this for five months? Excuse me? What

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Speaker 1: do you think the difference is between Johnson Financial and

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Speaker 1: some of the other companies out there.

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Speaker 5: I think a lot of the words you're just saying,

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Speaker 5: they actually live it it. You know we operate that way.

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Speaker 5: Is it was kind of just a quick story. I

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Speaker 5: had a customer that I dealt with and they actually

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Speaker 5: did their last loan through somebody else.

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Speaker 4: Oh well happens.

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Speaker 5: And I reached out to her and she sent an

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Speaker 5: email back because I you know, I'm switching companies. Well,

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Speaker 5: I had my mortgage there and there was Escrows. If

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Speaker 5: you ever had Escrows, that that's just kind of a

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Speaker 5: mystery sometimes where that works each year. And they had

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Speaker 5: an issue with the Escrows, so I think I was

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Speaker 5: there for like a week, so I just reached out

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Speaker 5: to my boss about it. He reached out to his boss.

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Speaker 5: Then they got the servicing evolved and resolved it and

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Speaker 5: came back to her and then I told her, well,

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Speaker 5: if you want to refinance, we'll reduce costs and fees

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Speaker 5: stuff like that. So it was kind of neat. It

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Speaker 5: went from me to him to her within like a

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Speaker 5: day while and they jumped on it, so that you know,

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Speaker 5: it's just really customer service. And and what what we

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Speaker 5: I gotta say, what we say right now is do

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Speaker 5: they yes, but we make it happen.

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Speaker 1: And what what location are you? What?

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Speaker 5: What's your your main location? Personally I've been walking shop.

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Speaker 5: I say, Pewaukee is off of one sixty four. Okay,

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Speaker 5: you know it's kind of Firehouse of Pewaukee's right across

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Speaker 5: the street. But as a walker show yeah address, yeah.

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Speaker 1: Yeah, I just moved to Pelwaukee a couple of years ago.

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Speaker 1: So the village of Pewaukee. Yeah, you know where the

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Speaker 1: Costco is? Oh yeah, right in that neighborhood all right, right,

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Speaker 1: a little condo right there, so.

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Speaker 4: That cookies on Fridays, So I'll see.

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Speaker 3: You vouch for that because I had their cookies.

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Speaker 1: Fay. It was good because you didn't bring any in

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Speaker 1: for me.

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Speaker 3: No, I thought he was gonna bring cookies.

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Speaker 1: Well you wanted to bring samples of the bank, And well,

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Speaker 1: you know what, the next time we're gonna we're gonna

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Speaker 1: have to make sure that, you know, we we bring

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Speaker 1: Helen then or somebody that can get us into the bank.

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Speaker 1: Maybe uh, maybe the CEO, Jim Pop can get us

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Speaker 1: any I'm sure he can get us in and get

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Speaker 1: some samples.

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Speaker 5: Right, yeah, yeah, I actually mentioned Jim pop is. I

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Speaker 5: met him once and boy, I was impressed. It's a

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Speaker 5: great guy. And when we had our orientation down there,

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Speaker 5: they had all the leaders come in and talk to you,

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Speaker 5: and and uh, you know, you don't get that a

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Speaker 5: lot of these places is the leaders, the people in

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Speaker 5: upper management. They're just kind of like, okay, well, I'll

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Speaker 5: just hi. How you doing another quick story too, because

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Speaker 5: obviously we'll get into that. We have different divisions. Uh,

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Speaker 5: the wealth manager president of that, I shot him an email.

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Speaker 5: My son's was applying for internships and I just kind

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Speaker 5: of wanted to introduce myself. He responded back with it

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Speaker 5: a couple hours.

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Speaker 1: So it just that's different than some of the Yeah,

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Speaker 1: look I had I had misplaced my my charge card

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Speaker 1: and it was it was a bad week, a couple

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Speaker 1: of weeks ago. No, I didn't you know what you

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Speaker 1: remember because my email got and so I'm taking sure

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Speaker 1: of that. This is just a couple weeks ago. And

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Speaker 1: I was having lunch with a client out in Iguanago

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Speaker 1: and I just pulled in and my phone starts blowing up,

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Speaker 1: Hey did you send this? Did you? Because you don't

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Speaker 1: ever send anything via dropbox? And I'm like, no, I

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Speaker 1: didn't send anything, and my email got hacked. So I'm

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Speaker 1: dealing with that. And I left my charge card and

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Speaker 1: I didn't look for my charge card for two days.

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Speaker 1: Then I went to pay something. I didn't have it.

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Speaker 1: So I called my bank, and you know, nine to

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Speaker 1: nine o'clock in the morning, they said you got to

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Speaker 1: call this number at a corporate and I have to

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Speaker 1: be honest with you. I couldn't understand anything the woman

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Speaker 1: was saying, and I was really crabby. I was very crabby,

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Speaker 1: and I said, look, I cannot understand a word you're saying,

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Speaker 1: Can I talk to somebody else? Then she started talking

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Speaker 1: much louder and really slow, and now I could figure

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Speaker 1: it out, and we stopped that card. I called the

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Speaker 1: restaurant and they weren't even open, and the woman answered, hey, mcgiffern,

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Speaker 1: I have your card, and I said, I just put

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Speaker 1: a stop to it. I said, just chop it up.

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Speaker 1: I'm going to be getting a new one. But it took.

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Speaker 1: It was very frustrating how long that took. The fact

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Speaker 1: that you're telling me that you know, Jim Popu, you

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Speaker 1: know CFO of your company responds quickly or will help.

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Speaker 1: I just think that that's that makes it different than

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Speaker 1: the company that I bank with.

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Speaker 5: Oh yeah, I've reached out to several individuals in different

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Speaker 5: divisions higher up, just even introduce myself when I got there. Yeah,

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Speaker 5: they all respond back. And the branch where I'm at,

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Speaker 5: it's not just the retail side. There is a wealth

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Speaker 5: management commercial, a lot of different people in there, and

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Speaker 5: it's it's just been great.

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Speaker 2: And but you know, when you develop it, you know,

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Speaker 2: you just want to develop a relationship, and that's what's

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Speaker 2: always nice. You know, you want to when you deal

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Speaker 2: with a contract name with Bangler. Uh, you want to

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Speaker 2: do relationships. We had a thing there for one of

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Speaker 2: his along a Demlin group as a group that meets

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Speaker 2: once a month. Anyways, I walked in with John Attley

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Speaker 2: and he thought I was like Cheers episode girl saying

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Speaker 2: Hi John, Hi John, Hi John.

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Speaker 3: I mean they know him? Yes, I said, obviously you

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Speaker 3: bank here.

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Speaker 2: He's what gave you that idea, because I mean they're all,

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Speaker 2: you know, calling him by name, so I know who

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Speaker 2: he is.

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Speaker 3: So I thought that was cool.

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Speaker 1: Yeah, that that's that is different as well.

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Speaker 5: Yeah, you don't get the bank traffic as you used

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Speaker 5: to years back. But when people come in there, it's

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Speaker 5: like they're like, Hi, how you doing at the.

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Speaker 1: First names you know Kevin. At the other radio stations

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Speaker 1: I worked at, I was one and it was a

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Speaker 1: big corporation. I was one of like ten people all

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Speaker 1: over the country still got a pay per check and

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Speaker 1: the only one at this location at these other stations,

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Speaker 1: and they came to me and said, look, you have

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Speaker 1: to now get direct deposit, and they said, I'd prefer

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Speaker 1: not to, and they go, why it's so much easier?

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Speaker 1: Do you know that? My first first real job, I

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Speaker 1: worked at IHOF when I was fourteen and fifteen turned

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Speaker 1: sixteen got a job at Cole's food store that my

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Speaker 1: dad made me get a job there. And every week

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Speaker 1: that I got a check, I had to come home

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Speaker 1: and show it to him and he would say, now,

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Speaker 1: when you go back to work, thank somebody in that

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Speaker 1: building for allowing you to work there. And I'd be like,

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Speaker 1: and he'd say, I want to know who you think

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Speaker 1: the bakery manager, the produce manager, right, and he's been

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Speaker 1: gone for a really long time. But every time I

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Speaker 1: got a payper check, it made me think of him again. Sure,

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Speaker 1: and they said, you know what, keep getting a paper

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Speaker 1: check if that's why you get it, and I go, yeah,

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Speaker 1: it's a hassle. I still have to go to the

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Speaker 1: bank now I have to do all that. But this

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Speaker 1: makes me and I don't think of him as often

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Speaker 1: as I used to. But getting this check, that's why

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Speaker 1: I do it. And they said, do it, just keep

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Speaker 1: getting it and don't worry about it. So that's you know,

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Speaker 1: I'm in the bank every week or every two weeks

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Speaker 1: with a paper check and all my buddies, you know,

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Speaker 1: I got to wait three extra days because it comes in, right, yes,

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Speaker 1: and I said, I don't care. I want to be

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Speaker 1: able to do that and they allowed that. Hey Kevin,

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Speaker 1: really quickly before we get to a break. This industry

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Speaker 1: that you've been involved with for a long time, a

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Speaker 1: lot of changes, but I think mostly for the good, right.

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Speaker 5: Yes, Yeah, after that two thousand and eight, Yeah, the

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Speaker 5: Wild Wild West.

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Speaker 1: You're still in the fetal position over that one, and yeah,

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Speaker 1: I trust me a lot of people are. But since then,

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Speaker 1: I think it's changed for the good.

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Speaker 4: Right, Yes, it has.

401
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Speaker 5: The quality of loans that are put on the books

402
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Speaker 5: now are so much better than what it used to be.

403
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Speaker 5: We don't need to go back into the why that happened.

404
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Speaker 4: There was a lot of variable Well.

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Speaker 1: There's a lot of movies out there for that. Have

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Speaker 1: you watched all those?

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Speaker 4: Yeah?

408
00:19:48,119 --> 00:19:50,159
Speaker 5: I kind of shook my head a little bit watching

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Speaker 5: the movie Going. I don't know that's completely right, but whatever.

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Speaker 1: But yeah, some of its theater, but a lot of it,

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Speaker 1: I thought from people that have in your industry, some

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00:20:01,880 --> 00:20:04,160
Speaker 1: of that was true. There were some people that made

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Speaker 1: a whole lot of money while other people lost everything.

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Speaker 5: Yeah, there was the thing without going to everything, just

415
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Speaker 5: certain things. It's like if you breathe you got a loan,

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Speaker 5: And if someone came to me and I just said, no,

417
00:20:18,920 --> 00:20:21,880
Speaker 5: you shouldn't do this right here, know, and I could

418
00:20:22,080 --> 00:20:25,960
Speaker 5: qualify him, but there's like, you can't afford this, and

419
00:20:26,040 --> 00:20:27,840
Speaker 5: they just go down the street and someone else give

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Speaker 5: him a loan.

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Speaker 1: Hey, we're going to get to a break. Other side

422
00:20:30,320 --> 00:20:32,040
Speaker 1: of the break, I'm going to tee you up for

423
00:20:32,080 --> 00:20:36,560
Speaker 1: the best. What are the best available mortgage options for

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00:20:36,680 --> 00:20:42,040
Speaker 1: people nowadays, whether it's USDA loan or conventional loan, VA loan,

425
00:20:42,160 --> 00:20:45,320
Speaker 1: things like that. Let's talk about that on the other

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Speaker 1: side of the break. He is Kevin Evanoff. He is

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Speaker 1: a senior mortgage loan officer for Johnson Financial You can

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00:20:52,359 --> 00:20:57,080
Speaker 1: go to Johnson Financialgroup dot com Johnson Financialgroup dot com

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00:20:57,280 --> 00:20:59,480
Speaker 1: for more information out of this company. If you want

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00:20:59,480 --> 00:21:03,600
Speaker 1: to with Kevin, he's in there Wakeshaw. It's Peewaukee, but

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Speaker 1: we'll say Waukeshaw because that's what the address is. And

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Speaker 1: he can he can walk you through in any questions

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Speaker 1: you have. And if it's not his department, he's got

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Speaker 1: people there that can help you with a lot of

435
00:21:16,280 --> 00:21:20,240
Speaker 1: different areas through Johnson Financial Group. This is the Creative

436
00:21:20,280 --> 00:21:24,080
Speaker 1: Construction of Wisconsin Home Improvement Show on Fox Sports ninety

437
00:21:24,080 --> 00:21:27,879
Speaker 1: twenty and your iHeart Radio App. Welcome back to the

438
00:21:27,960 --> 00:21:31,200
Speaker 1: Creative Construction of Wisconsin Home Improvement Show on Fox Sports

439
00:21:31,320 --> 00:21:33,399
Speaker 1: nine twenty and your iHeart Radio App.

440
00:21:33,920 --> 00:21:35,760
Speaker 3: So you know you were saying, is so we're gonna

441
00:21:35,760 --> 00:21:36,960
Speaker 3: be all done with that music. I got to go

442
00:21:37,000 --> 00:21:37,960
Speaker 3: back to head banging music.

443
00:21:38,119 --> 00:21:41,440
Speaker 1: Yeah, we gotta go back to Spencer stuff, Jackson five

444
00:21:41,560 --> 00:21:45,120
Speaker 1: and the Osman. Okay, you know that kind of stuff. Yeah, coming,

445
00:21:45,480 --> 00:21:48,000
Speaker 1: We're coming live from the Donovan and Jorgans and Heating

446
00:21:47,960 --> 00:21:51,600
Speaker 1: and Cooling studios. They love that music. We play guys

447
00:21:51,600 --> 00:21:52,440
Speaker 1: at Donavan, Georgia.

448
00:21:52,480 --> 00:21:53,560
Speaker 3: This is the last week you're getting in.

449
00:21:54,040 --> 00:21:55,640
Speaker 1: Yeah, we'll see maybe I can.

450
00:21:55,840 --> 00:21:57,639
Speaker 2: It's like Christmas tree, how long? How long do you

451
00:21:57,640 --> 00:21:59,520
Speaker 2: play music? How long do you leave your Christmas tree

452
00:21:59,600 --> 00:21:59,760
Speaker 2: up for?

453
00:22:00,160 --> 00:22:00,320
Speaker 3: Uh?

454
00:22:00,400 --> 00:22:02,520
Speaker 1: If my wife would like to leave it up till

455
00:22:02,720 --> 00:22:05,679
Speaker 1: like Valentine's Day, But we know it's exact.

456
00:22:06,040 --> 00:22:07,359
Speaker 3: I believe all your every letter.

457
00:22:07,520 --> 00:22:09,240
Speaker 1: Oh yeah, yeah, yeah idea.

458
00:22:09,240 --> 00:22:11,720
Speaker 2: And that's that was one of those people like, you know,

459
00:22:11,760 --> 00:22:14,760
Speaker 2: it's like the weekend after the New Year's no matter what, it's.

460
00:22:14,680 --> 00:22:15,240
Speaker 3: Got to come down.

461
00:22:15,320 --> 00:22:15,920
Speaker 1: Got to come down.

462
00:22:15,960 --> 00:22:17,760
Speaker 2: And then she starts looking at people. They got the

463
00:22:17,840 --> 00:22:19,320
Speaker 2: lights up. You gotta let your lights up in the

464
00:22:19,359 --> 00:22:21,679
Speaker 2: beginning of February. She looks at you with a dirty looker.

465
00:22:21,880 --> 00:22:24,400
Speaker 2: Or you guys are ones responsible for making winter last long.

466
00:22:24,520 --> 00:22:28,080
Speaker 1: Our hoa, people will come knocking on our door going, hey,

467
00:22:28,080 --> 00:22:30,200
Speaker 1: you gotta take that You got to take that stuff down.

468
00:22:30,480 --> 00:22:34,040
Speaker 1: Our special in studio guest. He's a senior mortgage loan

469
00:22:34,359 --> 00:22:38,800
Speaker 1: officer for Johnson Financial Group. He's Kevin Evanoff. Hey, before

470
00:22:38,840 --> 00:22:42,800
Speaker 1: we get into different mortgages. During the break, you were

471
00:22:42,840 --> 00:22:46,600
Speaker 1: talking a little bit about Johnson Financial Is it Johnson Bank?

472
00:22:46,720 --> 00:22:50,000
Speaker 1: Is it Johnson Financial Group? And and uh, people still

473
00:22:50,040 --> 00:22:53,439
Speaker 1: think it's it's Johnson Bank and and they say, is

474
00:22:53,480 --> 00:22:55,000
Speaker 1: that the same same company.

475
00:22:55,400 --> 00:22:59,560
Speaker 5: Yeah, there's a little bit of confusion there because, uh,

476
00:23:00,200 --> 00:23:06,280
Speaker 5: internally we say jfgky Johnson Financial Group. But yes, Johnson Bank.

477
00:23:06,320 --> 00:23:09,000
Speaker 5: I'll say Johnson Bank if someone kind of looks at me.

478
00:23:09,080 --> 00:23:12,760
Speaker 5: Kind of strange, But yeah, most people go by Johnson Bank.

479
00:23:12,880 --> 00:23:16,120
Speaker 4: But I think it was in.

480
00:23:15,200 --> 00:23:18,800
Speaker 5: Like twenty nineteen they changed it to Johnson Financial.

481
00:23:18,320 --> 00:23:20,080
Speaker 1: Group becacause they offer more.

482
00:23:20,359 --> 00:23:24,640
Speaker 5: Yeah, they're just not a retail bank. They've got obviously

483
00:23:24,680 --> 00:23:27,760
Speaker 5: the mortgage side of it, retail banking side of it,

484
00:23:28,240 --> 00:23:36,080
Speaker 5: private banking, business banking, treasury department, commercial department, wealth management,

485
00:23:36,359 --> 00:23:38,399
Speaker 5: so a little bit of everything.

486
00:23:38,760 --> 00:23:40,000
Speaker 4: And that's one of the nice things.

487
00:23:40,000 --> 00:23:43,880
Speaker 5: And when I was thinking about going there is how

488
00:23:43,920 --> 00:23:49,920
Speaker 5: they network together is if I have a customer comes

489
00:23:49,960 --> 00:23:52,119
Speaker 5: to me, I have all these other resources I'm going

490
00:23:52,160 --> 00:23:54,800
Speaker 5: to talk to them about also, and vice versa if

491
00:23:54,800 --> 00:23:57,400
Speaker 5: they have customers coming in. And one of the nice

492
00:23:57,440 --> 00:24:03,679
Speaker 5: things about uh working there, if you ask me fifteen

493
00:24:03,760 --> 00:24:06,320
Speaker 5: years ago if I ever worked for a bank, I'm

494
00:24:06,320 --> 00:24:08,480
Speaker 5: not going to work for a bank. But they don't

495
00:24:08,560 --> 00:24:11,159
Speaker 5: run it like a bank. The mortgage division runs it

496
00:24:11,200 --> 00:24:14,560
Speaker 5: as a true mortgage division that has the bank backing,

497
00:24:14,600 --> 00:24:16,240
Speaker 5: which is really really nice.

498
00:24:16,800 --> 00:24:20,600
Speaker 1: That makes it That sets it apart a little bit too,

499
00:24:20,680 --> 00:24:21,000
Speaker 1: doesn't it.

500
00:24:21,280 --> 00:24:22,040
Speaker 3: Oh yeah, yeah.

501
00:24:22,119 --> 00:24:24,920
Speaker 5: If I when I have customers come to me, I'm

502
00:24:24,960 --> 00:24:28,520
Speaker 5: going to mention about our retail banking and things that

503
00:24:28,560 --> 00:24:32,560
Speaker 5: we offer there. If I see they may have a need.

504
00:24:32,640 --> 00:24:34,679
Speaker 5: That's say they're a business owner. I said, well, you

505
00:24:36,119 --> 00:24:39,760
Speaker 5: talk dating about private banking, you know, wealth management the same.

506
00:24:39,880 --> 00:24:42,000
Speaker 5: So it's it's kind of nice because that's one of

507
00:24:42,080 --> 00:24:42,680
Speaker 5: the big things.

508
00:24:42,680 --> 00:24:43,399
Speaker 4: Again, what they.

509
00:24:43,280 --> 00:24:45,439
Speaker 5: Want to do is they want to have a customer

510
00:24:45,520 --> 00:24:47,760
Speaker 5: come in, let's talk about all our services.

511
00:24:47,880 --> 00:24:50,439
Speaker 1: Hey, how does that work if I'm if I'm a

512
00:24:50,480 --> 00:24:54,120
Speaker 1: customer of yours? Right, But yet I want to look

513
00:24:54,160 --> 00:24:59,440
Speaker 1: at some of the other opportunities through Johnson Financial, whether

514
00:24:59,480 --> 00:25:02,280
Speaker 1: it's for the to give an agency or it's something

515
00:25:02,359 --> 00:25:07,160
Speaker 1: outside of a mortgage. Am I still are you still

516
00:25:07,160 --> 00:25:07,960
Speaker 1: my point person?

517
00:25:08,040 --> 00:25:10,800
Speaker 5: I'll be the point person. Then I'll find the person

518
00:25:10,800 --> 00:25:12,679
Speaker 5: you need to talk to. If they don't, they're not

519
00:25:12,720 --> 00:25:16,280
Speaker 5: the right person, They'll find the person. And I just

520
00:25:16,359 --> 00:25:19,399
Speaker 5: actually recently just had a customer wanted to set up

521
00:25:19,440 --> 00:25:24,040
Speaker 5: a business account personal account, and I emailed the branch

522
00:25:24,119 --> 00:25:27,640
Speaker 5: manager said I'll be the starting point for that person.

523
00:25:28,000 --> 00:25:30,560
Speaker 5: And they came in and I met with them, and you.

524
00:25:30,440 --> 00:25:32,760
Speaker 1: Know, so what's kind of nice for somebody like me

525
00:25:32,880 --> 00:25:35,760
Speaker 1: is then I'm building my team right that I have.

526
00:25:37,119 --> 00:25:38,800
Speaker 1: So if you're not available, just I.

527
00:25:38,760 --> 00:25:41,320
Speaker 3: Just have someone to call and talk to. Yeah, that's

528
00:25:41,359 --> 00:25:41,720
Speaker 3: the problem.

529
00:25:41,720 --> 00:25:43,160
Speaker 2: That's a probably a lot of you know, they don't

530
00:25:43,160 --> 00:25:45,159
Speaker 2: have it, you know, so doesn't mean definitely let you

531
00:25:45,160 --> 00:25:46,479
Speaker 2: handle them that at least I got something you can

532
00:25:46,520 --> 00:25:47,080
Speaker 2: call and talk to.

533
00:25:47,240 --> 00:25:49,480
Speaker 1: Yeah. The tough part for what happened to me a

534
00:25:49,520 --> 00:25:52,439
Speaker 1: few weeks ago is when I called the people that

535
00:25:52,520 --> 00:25:55,520
Speaker 1: I know, they said, we I can't help you, got

536
00:25:55,520 --> 00:25:57,679
Speaker 1: to go you got to go to this corporate and

537
00:25:57,720 --> 00:26:01,080
Speaker 1: then they sent me somewhere else. And it when when

538
00:26:01,200 --> 00:26:03,600
Speaker 1: when you're when you're as frustrated as I was that

539
00:26:03,760 --> 00:26:08,320
Speaker 1: day to finally get somebody on the phone and for

540
00:26:08,400 --> 00:26:10,439
Speaker 1: that person to go, ah, they sent you to the

541
00:26:10,440 --> 00:26:12,560
Speaker 1: wrong person. I'm gonna have to send you somewhere else.

542
00:26:12,600 --> 00:26:15,080
Speaker 1: Why don't you call this number? And then to be

543
00:26:15,119 --> 00:26:17,800
Speaker 1: able to to get to out hold of somebody that

544
00:26:17,840 --> 00:26:23,240
Speaker 1: I've never met, that that I couldn't understand, and I'm

545
00:26:23,280 --> 00:26:25,440
Speaker 1: in I'm in the fetal position at this point because

546
00:26:25,480 --> 00:26:27,080
Speaker 1: I I don't know where my card is.

547
00:26:27,119 --> 00:26:28,680
Speaker 4: Oh yeah, I'm gonna be involved in it.

548
00:26:28,760 --> 00:26:30,840
Speaker 5: If I refer you to somebody, I want to know

549
00:26:30,920 --> 00:26:35,639
Speaker 5: that you talk to that person they helped you. I

550
00:26:35,680 --> 00:26:38,320
Speaker 5: want to be in that correspondence and I'll follow up also,

551
00:26:38,560 --> 00:26:40,480
Speaker 5: so it's not just I'm just gonna hand you off

552
00:26:40,520 --> 00:26:44,080
Speaker 5: and forget about you and you just don't see that.

553
00:26:44,080 --> 00:26:46,119
Speaker 5: We're not going to say push this button, that button,

554
00:26:46,240 --> 00:26:48,919
Speaker 5: and then you'll get cut off on customer service and

555
00:26:49,080 --> 00:26:52,000
Speaker 5: have to redial and start again, so no people will

556
00:26:52,000 --> 00:26:54,720
Speaker 5: pick up the phone, they'll talk to you. And yeah,

557
00:26:54,760 --> 00:26:59,080
Speaker 5: it's all about uh referring internally. And actually we meet

558
00:26:59,119 --> 00:27:02,760
Speaker 5: once a month and we the private banker, the business,

559
00:27:03,000 --> 00:27:07,000
Speaker 5: the retail We talk about internal referrals and customers and

560
00:27:07,200 --> 00:27:09,600
Speaker 5: well how to go with that particular person. So yeah,

561
00:27:09,600 --> 00:27:10,800
Speaker 5: that's the thing that's really nice.

562
00:27:10,880 --> 00:27:15,480
Speaker 1: Yeah, that's great. Before I ask you about available mortgage options,

563
00:27:15,720 --> 00:27:18,119
Speaker 1: I got a text about how much money somebody should

564
00:27:18,160 --> 00:27:20,680
Speaker 1: put down. And a friend of mine's son is mine

565
00:27:20,720 --> 00:27:24,960
Speaker 1: his first house and they're gonna do a USDA loan

566
00:27:25,720 --> 00:27:30,760
Speaker 1: and wondering if there's He says, he's got a pretty

567
00:27:30,760 --> 00:27:33,320
Speaker 1: good credit score. I would I have known this kid

568
00:27:33,400 --> 00:27:35,920
Speaker 1: since he was a newborn, and I don't know about that,

569
00:27:36,280 --> 00:27:39,480
Speaker 1: but my buddy said, look pretty pretty high credit score.

570
00:27:39,960 --> 00:27:43,080
Speaker 1: Is there a percentage that you would recommend that they

571
00:27:43,119 --> 00:27:43,600
Speaker 1: put down?

572
00:27:43,880 --> 00:27:49,200
Speaker 5: Well, USD AID loans or rural housing those you can

573
00:27:49,320 --> 00:27:51,919
Speaker 5: do no money down, but you have to be in

574
00:27:52,040 --> 00:27:58,680
Speaker 5: certain areas, there's certain income population size. So I don't

575
00:27:58,720 --> 00:28:01,520
Speaker 5: know if that would be the best loan for them.

576
00:28:01,720 --> 00:28:06,440
Speaker 5: If someone came to me, fah, loan f aj WEEDA

577
00:28:06,880 --> 00:28:10,600
Speaker 5: Wisconsin Housing Authority. That's a great first time home buyer program.

578
00:28:10,640 --> 00:28:13,000
Speaker 5: You can do a little three down. But then they

579
00:28:13,040 --> 00:28:16,239
Speaker 5: have a thing called easy Clothes where you can do

580
00:28:16,320 --> 00:28:17,040
Speaker 5: no money down.

581
00:28:17,160 --> 00:28:19,000
Speaker 4: So there's other options.

582
00:28:19,080 --> 00:28:22,880
Speaker 5: Not saying the USDA is the not the right choice,

583
00:28:23,080 --> 00:28:24,800
Speaker 5: but that we look at other things.

584
00:28:24,960 --> 00:28:28,959
Speaker 1: Okay, good, I hope Uh yeah, I hope he's listening

585
00:28:29,040 --> 00:28:30,720
Speaker 1: right now. If not, I'll send him a copy of

586
00:28:30,760 --> 00:28:32,960
Speaker 1: it and if he's got questions he can call you.

587
00:28:33,080 --> 00:28:33,320
Speaker 4: Yep.

588
00:28:33,440 --> 00:28:36,520
Speaker 1: Is that okay? With that? On a on a let's

589
00:28:36,520 --> 00:28:38,000
Speaker 1: say a conventional.

590
00:28:37,440 --> 00:28:40,040
Speaker 2: Loan or that's a good point. Not every loan is

591
00:28:40,520 --> 00:28:45,040
Speaker 2: for you. It's every different needs different They need different things.

592
00:28:45,080 --> 00:28:47,160
Speaker 2: And that's great that. I mean, as soon as you said,

593
00:28:47,240 --> 00:28:48,920
Speaker 2: well this guy's getting loan, here's going to get it.

594
00:28:49,000 --> 00:28:51,080
Speaker 2: The first thing he said is well you might want

595
00:28:51,080 --> 00:28:51,760
Speaker 2: to go another road.

596
00:28:51,800 --> 00:28:53,760
Speaker 1: You might want to go another round round. Yeah.

597
00:28:53,880 --> 00:28:56,160
Speaker 2: Well that's the kind of person you need for looking

598
00:28:56,200 --> 00:28:57,640
Speaker 2: at looking over your shoulder for you.

599
00:28:57,840 --> 00:29:01,000
Speaker 1: Is there a percent down that that you would recommend it?

600
00:29:01,000 --> 00:29:04,880
Speaker 1: If somebody has the finances, do you recommend if they

601
00:29:04,880 --> 00:29:07,760
Speaker 1: can do fifteen percent or twenty? Is that too high?

602
00:29:07,920 --> 00:29:09,120
Speaker 4: No, we'll look at the options.

603
00:29:09,560 --> 00:29:12,920
Speaker 5: Just I'll use an example, if someone calls up looking

604
00:29:12,920 --> 00:29:15,440
Speaker 5: to buy a home, I'll just have a short conversation

605
00:29:15,560 --> 00:29:19,160
Speaker 5: with them where they're looking at single family, duplex, condo

606
00:29:20,720 --> 00:29:23,000
Speaker 5: obviously if they've never bought a home before, I'll kind

607
00:29:23,000 --> 00:29:27,120
Speaker 5: of explain things. We look at their credit, down payment, income.

608
00:29:27,280 --> 00:29:30,680
Speaker 5: One of the big things nowadays is well credits always

609
00:29:30,680 --> 00:29:36,080
Speaker 5: credit credit scores, but income is it variable? Is it

610
00:29:36,160 --> 00:29:40,520
Speaker 5: hourly commission bonus, self employed? We have to put that

611
00:29:41,280 --> 00:29:43,880
Speaker 5: put that all in there. But like conventional lending, you

612
00:29:43,880 --> 00:29:46,040
Speaker 5: can do as little as three percent down. I'll say

613
00:29:46,080 --> 00:29:48,680
Speaker 5: you're looking to do a minimum down or what are

614
00:29:48,680 --> 00:29:51,280
Speaker 5: you thinking. Sometimes people will come back and say, oh,

615
00:29:51,280 --> 00:29:55,160
Speaker 5: I don't want to pay PMI private mortgage insurance, and

616
00:29:55,200 --> 00:29:57,600
Speaker 5: they don't really realize.

617
00:29:57,040 --> 00:30:02,440
Speaker 2: That Zach, Yeah, yeah, exactly, I want to No, I

618
00:30:02,480 --> 00:30:03,480
Speaker 2: don't want to pay PMI.

619
00:30:04,560 --> 00:30:07,440
Speaker 5: But if you have a good credit, the PMI cost

620
00:30:07,600 --> 00:30:09,640
Speaker 5: is not that expensive. So what you have to do

621
00:30:09,680 --> 00:30:13,400
Speaker 5: is show people what the cost is and okay, well,

622
00:30:13,440 --> 00:30:17,480
Speaker 5: then the other option is just continue saving as home

623
00:30:17,520 --> 00:30:20,840
Speaker 5: prices go up, so most people when they buy, once

624
00:30:20,880 --> 00:30:24,000
Speaker 5: they see the real cost the PMI, they understand it,

625
00:30:24,040 --> 00:30:25,040
Speaker 5: and it makes sense.

626
00:30:24,960 --> 00:30:28,240
Speaker 1: When when you had your own company, would you work

627
00:30:28,360 --> 00:30:32,560
Speaker 1: through companies like Johnson Financial or how were you doing that?

628
00:30:32,560 --> 00:30:36,000
Speaker 5: That was kind of a different world. As a broker,

629
00:30:36,120 --> 00:30:40,000
Speaker 5: you're kind of the person in the middle, and you

630
00:30:40,040 --> 00:30:44,959
Speaker 5: didn't do any It wasn't your money, it wasn't your underwriting,

631
00:30:45,080 --> 00:30:49,560
Speaker 5: it wasn't your funding, wasn't your closing. So certain companies

632
00:30:49,600 --> 00:30:52,880
Speaker 5: dealt with brokers, and certain companies did not deal with brokers.

633
00:30:52,880 --> 00:30:57,080
Speaker 5: So so let's say S. E. Johnson or Johnson a

634
00:30:57,080 --> 00:31:01,640
Speaker 5: financial group, they would have to want to deal with brokers,

635
00:31:01,680 --> 00:31:05,520
Speaker 5: and I have a separate division that deal Oh, I say, okay,

636
00:31:05,720 --> 00:31:07,400
Speaker 5: So it's not as if we did a loan and

637
00:31:07,840 --> 00:31:09,800
Speaker 5: send it through the regular retail. They would have to

638
00:31:09,840 --> 00:31:12,200
Speaker 5: have a specific division they handle the broker side.

639
00:31:12,360 --> 00:31:16,360
Speaker 1: Hey, when people ask you about different mortgage options and

640
00:31:16,640 --> 00:31:19,760
Speaker 1: which one's the best for me, what information do you

641
00:31:19,920 --> 00:31:24,080
Speaker 1: need from people if it's let's just utilize a thirty

642
00:31:24,160 --> 00:31:26,120
Speaker 1: year old couple been married a couple of years.

643
00:31:26,200 --> 00:31:28,600
Speaker 2: Another thing that people don't realize is before you go

644
00:31:28,640 --> 00:31:30,480
Speaker 2: buy a house, you should go to a bank first,

645
00:31:31,560 --> 00:31:33,959
Speaker 2: because otherwise you can't even make an offer to purchase.

646
00:31:34,520 --> 00:31:37,800
Speaker 4: Yeah, you've got to have ye until you get pre approved.

647
00:31:38,120 --> 00:31:39,719
Speaker 2: I mean, you need to get approved again. Just say

648
00:31:39,720 --> 00:31:41,040
Speaker 2: I'm gonna go look at a house. You need to

649
00:31:41,040 --> 00:31:43,320
Speaker 2: go talk to a bank first. You can't just go.

650
00:31:43,560 --> 00:31:45,640
Speaker 4: You can't just how do you know what you're even going?

651
00:31:45,720 --> 00:31:45,840
Speaker 3: Right?

652
00:31:45,960 --> 00:31:51,960
Speaker 2: Look, qual everybody finds out out the hard way, especially

653
00:31:52,000 --> 00:31:55,040
Speaker 2: first time. Like I said, you said, I need a

654
00:31:55,040 --> 00:31:57,040
Speaker 2: bank from your letter, you know, a letter from your bank,

655
00:31:57,040 --> 00:31:57,440
Speaker 2: and you're.

656
00:31:57,280 --> 00:31:58,240
Speaker 1: Like, yeah, what letter?

657
00:31:58,600 --> 00:31:59,120
Speaker 3: What bank?

658
00:31:59,760 --> 00:32:02,720
Speaker 1: Ken? Indeed, I heard this like a couple of weeks ago,

659
00:32:02,760 --> 00:32:05,680
Speaker 1: and I was shocked by that that that first time.

660
00:32:05,760 --> 00:32:08,960
Speaker 1: The age of first time first time home buyers is

661
00:32:09,120 --> 00:32:12,360
Speaker 1: increased to somewhere like thirty two thirty three years old,

662
00:32:12,840 --> 00:32:16,840
Speaker 1: and look meager. Growing up twenty two to twenty three

663
00:32:17,320 --> 00:32:19,640
Speaker 1: is kind of when you started thinking, Okay, I want

664
00:32:19,680 --> 00:32:22,640
Speaker 1: to quit paying rent and I want to have you know,

665
00:32:22,760 --> 00:32:26,000
Speaker 1: I want to own something. It seems to be getting

666
00:32:26,080 --> 00:32:30,000
Speaker 1: older and older when people can can afford their first home.

667
00:32:30,520 --> 00:32:34,960
Speaker 5: Yeah, I think it's just a lot of prices, interest rates. Actually,

668
00:32:35,400 --> 00:32:37,840
Speaker 5: it's interesting you brought that up. A couple months ago.

669
00:32:37,920 --> 00:32:41,600
Speaker 5: I did a loan for young lady and I think

670
00:32:41,640 --> 00:32:46,440
Speaker 5: she was twenty three first time over for her twenty

671
00:32:46,440 --> 00:32:48,280
Speaker 5: percent down. Boy, she had a down.

672
00:32:48,400 --> 00:32:51,840
Speaker 4: She's smart saving. Yeah, yeah, it was like wow.

673
00:32:51,840 --> 00:32:54,720
Speaker 1: You know what, her parents did a really nice job

674
00:32:54,760 --> 00:32:59,800
Speaker 1: with that. For sure. With all the different available mortgage options,

675
00:33:00,680 --> 00:33:03,120
Speaker 1: is there one or two that you think are your

676
00:33:03,200 --> 00:33:06,760
Speaker 1: go to that you think let's just utilize. A first

677
00:33:06,800 --> 00:33:09,880
Speaker 1: time couple been married a couple of years in their

678
00:33:10,200 --> 00:33:14,400
Speaker 1: you know, early thirties or late twenties, what do you

679
00:33:14,400 --> 00:33:17,320
Speaker 1: go to as far as mortgage options for them, Well,

680
00:33:17,440 --> 00:33:20,800
Speaker 1: you start out with conventional That's what the conventional is

681
00:33:20,800 --> 00:33:25,320
Speaker 1: that you've ever heard the terminology Fanny May mac mac. Yeah,

682
00:33:25,320 --> 00:33:25,840
Speaker 1: there you go.

683
00:33:26,400 --> 00:33:28,920
Speaker 4: Talk that's the most.

684
00:33:28,720 --> 00:33:32,160
Speaker 5: Predominant mortgage where you're going to get the best rates, programs,

685
00:33:32,160 --> 00:33:35,200
Speaker 5: et cetera. Then from there you start looking at the situation.

686
00:33:35,440 --> 00:33:39,120
Speaker 5: If you need to branch out, look at different options.

687
00:33:40,080 --> 00:33:44,360
Speaker 5: Like for us, we'll do conventional VA. That's very popular

688
00:33:44,480 --> 00:33:48,000
Speaker 5: anybody that is a veteran or serve. That's a zero

689
00:33:48,040 --> 00:33:49,840
Speaker 5: percent down loan program.

690
00:33:50,000 --> 00:33:50,560
Speaker 3: It's just a.

691
00:33:50,520 --> 00:33:55,040
Speaker 5: Great program first time home buyer like Weeda as I

692
00:33:55,120 --> 00:33:58,120
Speaker 5: mentioned before. Then you have the other programs once you

693
00:33:58,120 --> 00:34:01,600
Speaker 5: get in the larger loan amount, it's called jump jumbo

694
00:34:01,680 --> 00:34:04,400
Speaker 5: is anything over, I'll just round it eight hundred and

695
00:34:04,440 --> 00:34:07,720
Speaker 5: thirty thousand, So that's different qualification.

696
00:34:08,040 --> 00:34:09,120
Speaker 3: The housing rates are going up.

697
00:34:09,760 --> 00:34:12,399
Speaker 1: Yeah, yeah, that's that's a first time home.

698
00:34:13,960 --> 00:34:16,880
Speaker 5: It seems like a couple of years ago the jumbo

699
00:34:17,920 --> 00:34:21,480
Speaker 5: cap or or I was like about five hundred thousand.

700
00:34:21,600 --> 00:34:22,600
Speaker 4: They just keep raising it.

701
00:34:23,360 --> 00:34:25,480
Speaker 1: To get a jumbo to your your credit score has

702
00:34:25,480 --> 00:34:26,600
Speaker 1: got to be really good.

703
00:34:26,520 --> 00:34:29,520
Speaker 5: Right, Yeah, they'll require a little bit more down on

704
00:34:29,560 --> 00:34:33,680
Speaker 5: the jumbo loan. And then we also have obviously new

705
00:34:33,719 --> 00:34:38,279
Speaker 5: construction with the renovation. Also, then we have our own

706
00:34:38,360 --> 00:34:43,080
Speaker 5: portfolio products. That's stuff that we do in house. So

707
00:34:43,280 --> 00:34:45,600
Speaker 5: when I talk to someone, is just getting some basic

708
00:34:45,680 --> 00:34:49,080
Speaker 5: information than just seeing which route we need to go,

709
00:34:49,280 --> 00:34:51,520
Speaker 5: because people will say, well, I've heard about this here.

710
00:34:51,640 --> 00:34:55,000
Speaker 5: Then I'll explain to them the difference why you should

711
00:34:55,400 --> 00:35:00,880
Speaker 5: look at this particular route. And it's kind of in

712
00:35:00,880 --> 00:35:04,400
Speaker 5: this industry too. Going back to the pre approval, there's

713
00:35:04,640 --> 00:35:07,239
Speaker 5: a lot of internet lenders out there's a lot of

714
00:35:07,640 --> 00:35:08,680
Speaker 5: careful Yeah.

715
00:35:08,719 --> 00:35:10,360
Speaker 4: You don't know, they'll they'll shoot out.

716
00:35:10,239 --> 00:35:13,839
Speaker 5: A pre approval or pre qualification and they don't even

717
00:35:13,880 --> 00:35:15,359
Speaker 5: have all the information in fact.

718
00:35:15,440 --> 00:35:17,839
Speaker 1: Oh yeah, the stuff you get in the mail sometimes, Hey,

719
00:35:17,840 --> 00:35:21,239
Speaker 1: you're pre approved for a half a million dollar credit card.

720
00:35:21,280 --> 00:35:24,200
Speaker 1: All you do is call this number and and I

721
00:35:24,239 --> 00:35:26,799
Speaker 1: go to my wife, Hey, we're rich. They think I

722
00:35:26,840 --> 00:35:29,640
Speaker 1: can afford this, And she's like, just chop that up.

723
00:35:29,920 --> 00:35:30,600
Speaker 1: What are you doing?

724
00:35:30,840 --> 00:35:33,120
Speaker 2: Well, yeah, look at what the interest rates are on

725
00:35:33,480 --> 00:35:35,680
Speaker 2: Oh yeah, you know, being a business owner, we get

726
00:35:35,680 --> 00:35:36,120
Speaker 2: that all the time.

727
00:35:36,160 --> 00:35:36,920
Speaker 3: He us in new equipment.

728
00:35:36,920 --> 00:35:38,520
Speaker 2: We'll give you a great thing at eighteen point nine

729
00:35:38,560 --> 00:35:40,520
Speaker 2: percent interest or something like this.

730
00:35:40,719 --> 00:35:42,600
Speaker 3: Loan shark is legalized. Loan sharking.

731
00:35:43,680 --> 00:35:46,200
Speaker 1: If you get one of those from the McGivern agency,

732
00:35:46,440 --> 00:35:49,560
Speaker 1: just throw it away. Don't don't be doing that. I'll

733
00:35:49,600 --> 00:35:51,360
Speaker 1: give you something for an eighteen.

734
00:35:51,000 --> 00:35:51,360
Speaker 3: I got that.

735
00:35:51,440 --> 00:35:53,080
Speaker 2: I got an email from me. Yeah, as soon as

736
00:35:53,080 --> 00:35:54,319
Speaker 2: you give them my credit card, they go away.

737
00:35:54,400 --> 00:35:56,920
Speaker 1: Yeah they do. Oh yeah, I bet they do. I

738
00:35:57,280 --> 00:36:00,480
Speaker 1: had no doubt. Hey, you had talked about to pay

739
00:36:00,520 --> 00:36:04,919
Speaker 1: for home renovations and looking on and I did some

740
00:36:04,960 --> 00:36:09,040
Speaker 1: research on your website. Home equity loan, home equity, line

741
00:36:09,040 --> 00:36:12,960
Speaker 1: of credit, renovation loan. There's a number of options for

742
00:36:13,040 --> 00:36:16,799
Speaker 1: people if they're looking to renovate rather than move, you know.

743
00:36:16,960 --> 00:36:17,160
Speaker 3: Wait.

744
00:36:17,400 --> 00:36:21,279
Speaker 1: During COVID, it seemed to me like people decide made

745
00:36:21,320 --> 00:36:24,600
Speaker 1: a decision that they were going to either renovate or

746
00:36:24,719 --> 00:36:27,359
Speaker 1: add on. They wanted to stay in the neighborhood. They

747
00:36:27,440 --> 00:36:30,359
Speaker 1: liked the neighborhood, like the school system, didn't want to

748
00:36:30,400 --> 00:36:34,279
Speaker 1: move even though their their family was getting bigger. And

749
00:36:34,320 --> 00:36:37,000
Speaker 1: the amount of different ways for people to be able

750
00:36:37,040 --> 00:36:41,320
Speaker 1: to pay for home renovations through Johnson, you guys certainly

751
00:36:41,360 --> 00:36:42,600
Speaker 1: offer a number of different.

752
00:36:42,400 --> 00:36:44,600
Speaker 2: That's what they take the same house that they had

753
00:36:44,760 --> 00:36:46,440
Speaker 2: as they try to buy a new house just like

754
00:36:46,480 --> 00:36:49,600
Speaker 2: their house. It costs way more than just remodeling this one.

755
00:36:49,760 --> 00:36:53,000
Speaker 2: And that's what that whole industry for us from covid on,

756
00:36:53,120 --> 00:36:56,600
Speaker 2: we'd just been busy because it's cheaper to rebuild remodel

757
00:36:56,640 --> 00:36:57,920
Speaker 2: your house and is to buy a new one.

758
00:36:58,360 --> 00:37:00,759
Speaker 1: Yeah, a lot of different options for people and they

759
00:37:00,800 --> 00:37:01,920
Speaker 1: come to you on that, Kevin.

760
00:37:02,160 --> 00:37:02,560
Speaker 4: Yeah, the.

761
00:37:04,360 --> 00:37:07,520
Speaker 5: Biggest thing is we're talking about let's say someone's buying

762
00:37:07,520 --> 00:37:10,080
Speaker 5: a home and they're just putting a small money amount

763
00:37:10,120 --> 00:37:12,560
Speaker 5: down and we want to do a bunch of renovations. Well,

764
00:37:13,200 --> 00:37:16,719
Speaker 5: obviously the value's not there. They buy it for four

765
00:37:16,800 --> 00:37:19,359
Speaker 5: hundred thousand, they put a little bit down, they got

766
00:37:19,400 --> 00:37:21,239
Speaker 5: to add one hundred thousand to it. So what we

767
00:37:21,320 --> 00:37:24,320
Speaker 5: have to do is get plans and specs from whatever

768
00:37:24,360 --> 00:37:27,920
Speaker 5: builder they're going through, and then we appraise it subject

769
00:37:28,000 --> 00:37:30,719
Speaker 5: to the completion. So now the value might be five

770
00:37:30,800 --> 00:37:33,520
Speaker 5: hundred thousand, then we can do a loan on it.

771
00:37:33,640 --> 00:37:36,080
Speaker 5: So or if someone has been in their home for

772
00:37:36,239 --> 00:37:38,960
Speaker 5: quite a while and they have quite a bit of equity,

773
00:37:39,000 --> 00:37:41,560
Speaker 5: then they'll just probably do a regular home equity or

774
00:37:41,880 --> 00:37:43,640
Speaker 5: helock through our retail side.

775
00:37:43,760 --> 00:37:47,040
Speaker 1: Hey, before we get to a break, there are times

776
00:37:47,200 --> 00:37:50,040
Speaker 1: I would think over your career that this gets very

777
00:37:50,120 --> 00:37:54,960
Speaker 1: personal and if somebody can't get pre approved or qualifying,

778
00:37:55,000 --> 00:37:57,960
Speaker 1: it's somebody that you know and you're friends with or

779
00:37:58,040 --> 00:38:00,560
Speaker 1: you have been, you know, in their life for a while,

780
00:38:00,760 --> 00:38:03,640
Speaker 1: that's got to be a difficult part of to make

781
00:38:03,680 --> 00:38:06,680
Speaker 1: that phone call and say, look, I just can't make

782
00:38:06,719 --> 00:38:07,320
Speaker 1: this happen.

783
00:38:08,000 --> 00:38:12,320
Speaker 5: Yeah, it's a little bit can be challenging with friends

784
00:38:12,360 --> 00:38:15,040
Speaker 5: and family when you're working with them. But I think

785
00:38:15,280 --> 00:38:18,400
Speaker 5: if I'm working with a friend or family, first thing,

786
00:38:18,400 --> 00:38:20,360
Speaker 5: I'll say, just as long as you're comfortable with me

787
00:38:20,480 --> 00:38:24,680
Speaker 5: knowing you're right financial situation, and you know most of

788
00:38:24,719 --> 00:38:29,440
Speaker 5: the time they are, then you know, some people just

789
00:38:29,560 --> 00:38:32,839
Speaker 5: don't want to work with somebody they know for whatever reason,

790
00:38:32,920 --> 00:38:35,399
Speaker 5: they don't want them involved in their finances, which is fine.

791
00:38:35,440 --> 00:38:38,120
Speaker 1: Also, hey, like, I got one more question now before

792
00:38:38,120 --> 00:38:40,279
Speaker 1: we get to a break. How do we get young

793
00:38:40,320 --> 00:38:44,680
Speaker 1: people to understand how important because I didn't how understand

794
00:38:44,719 --> 00:38:47,880
Speaker 1: to understand how important to keep your credit score high is?

795
00:38:48,719 --> 00:38:52,640
Speaker 1: Because I just feel like nobody told us that when

796
00:38:52,719 --> 00:38:55,479
Speaker 1: we're seventeen eighteen years old, and then all of a sudden,

797
00:38:55,520 --> 00:38:57,399
Speaker 1: now we're twenty four to twenty five, wanted to buy

798
00:38:57,400 --> 00:38:59,960
Speaker 1: our first house and they're looking at our credit score,

799
00:39:00,040 --> 00:39:03,040
Speaker 1: going or my credit score, not my wife. So in fact,

800
00:39:03,160 --> 00:39:05,720
Speaker 1: when we went to buy a car and first wasn't perfect,

801
00:39:05,719 --> 00:39:08,080
Speaker 1: and she was mad by that. By the way, she's like,

802
00:39:08,120 --> 00:39:09,960
Speaker 1: what do you mean? It's not perfect? But how can

803
00:39:10,040 --> 00:39:12,240
Speaker 1: we not? We should do a better job of telling

804
00:39:12,320 --> 00:39:15,520
Speaker 1: sixteen seventeen eighteen year olds how important it is when

805
00:39:15,520 --> 00:39:18,560
Speaker 1: they move on to the next chapter of their life.

806
00:39:18,719 --> 00:39:20,680
Speaker 2: When they get they get a credit card. You see,

807
00:39:20,719 --> 00:39:22,200
Speaker 2: well you got a grace period. Well, might as I

808
00:39:22,360 --> 00:39:24,680
Speaker 2: use it? Right, they had overdraft protection. Oh great, I'm

809
00:39:24,680 --> 00:39:27,120
Speaker 2: gonna use that. Yeah, they use that stuff because it's

810
00:39:27,400 --> 00:39:29,560
Speaker 2: it's you know, and then banks are making their they're

811
00:39:29,600 --> 00:39:33,080
Speaker 2: making their cut on that one hundred dollars penalties and

812
00:39:33,080 --> 00:39:35,520
Speaker 2: all that stuff. I mean, just like all the money

813
00:39:35,520 --> 00:39:37,160
Speaker 2: that they're getting extra because of it.

814
00:39:37,280 --> 00:39:39,200
Speaker 1: We gotta do a better job at telling high school

815
00:39:39,239 --> 00:39:41,800
Speaker 1: kids and college kids that, don't you think, Yeah.

816
00:39:42,320 --> 00:39:46,400
Speaker 4: It'd be great if they had some type of classes.

817
00:39:46,440 --> 00:39:48,520
Speaker 5: I know they talk about different things, like when my

818
00:39:48,640 --> 00:39:50,600
Speaker 5: kids say, oh, I know, I'll write a check out.

819
00:39:50,640 --> 00:39:52,680
Speaker 5: They taught us that in high school.

820
00:39:53,840 --> 00:39:56,600
Speaker 2: Yeah, sot the next generation. Yeah, it's just they're not

821
00:39:56,640 --> 00:39:58,040
Speaker 2: in cursive. How do you write out a check?

822
00:39:59,680 --> 00:39:59,879
Speaker 3: Yeah?

823
00:40:00,000 --> 00:40:03,240
Speaker 5: I agree with education and like me as a parent,

824
00:40:03,440 --> 00:40:06,239
Speaker 5: that's obviously I'm in an industry and I make it

825
00:40:06,239 --> 00:40:09,279
Speaker 5: a priority. And I've explained to them about credit and

826
00:40:09,800 --> 00:40:10,480
Speaker 5: credit scores.

827
00:40:10,560 --> 00:40:12,520
Speaker 1: That's going to follow him their whole life. How many

828
00:40:12,560 --> 00:40:13,640
Speaker 1: kids do you have too?

829
00:40:13,880 --> 00:40:14,080
Speaker 3: Yeah?

830
00:40:14,320 --> 00:40:17,480
Speaker 5: Boys, girls, son, that's going to be twenty one a

831
00:40:17,520 --> 00:40:20,720
Speaker 5: couple of days junior in Whitewater finance business.

832
00:40:20,719 --> 00:40:24,200
Speaker 4: But he's not following my footsteps. They do something else.

833
00:40:25,000 --> 00:40:28,719
Speaker 5: Daughter graduated from Oshkosh in the medical field twenty two.

834
00:40:28,880 --> 00:40:31,520
Speaker 1: So yeah, man, good for you, that's awesome. We're gonna

835
00:40:31,520 --> 00:40:33,960
Speaker 1: get to a break. He is Kevin Evanoff He is

836
00:40:34,000 --> 00:40:38,120
Speaker 1: a senior mortgage loan officer for Johnson Financial Group. Go

837
00:40:38,160 --> 00:40:43,040
Speaker 1: to Johnson Financialgroup dot com. He's located in Wakesha And

838
00:40:43,440 --> 00:40:46,040
Speaker 1: are you in the office next week? Oh? Yeah, he's

839
00:40:46,040 --> 00:40:48,440
Speaker 1: in the office next week. Any questions you have if

840
00:40:48,480 --> 00:40:52,280
Speaker 1: you're looking at twenty twenty six and look at home renovation,

841
00:40:52,440 --> 00:40:54,120
Speaker 1: or you want to buy a house, or you want

842
00:40:54,160 --> 00:40:56,480
Speaker 1: to move from your home to another one, you want

843
00:40:56,480 --> 00:40:58,719
Speaker 1: to look at a condo in Pewaukee like my wife

844
00:40:58,760 --> 00:41:02,239
Speaker 1: and I did. Kevin a great guy to ask questions

845
00:41:02,520 --> 00:41:05,200
Speaker 1: to get the information and he could walk you through

846
00:41:05,480 --> 00:41:09,080
Speaker 1: Johnson Financial Group and what their mission statement is and

847
00:41:09,160 --> 00:41:11,960
Speaker 1: what they do and how they go to business. And

848
00:41:12,000 --> 00:41:13,400
Speaker 1: he would be a guy you will get.

849
00:41:13,160 --> 00:41:14,480
Speaker 3: Wanted to talk him in a week. But come on

850
00:41:14,520 --> 00:41:15,440
Speaker 3: Friday for the cookies.

851
00:41:15,520 --> 00:41:16,760
Speaker 1: Yeah, Friday for the cookies.

852
00:41:16,800 --> 00:41:19,520
Speaker 5: Cookies, and don't forget refinance and hopefully the rates will

853
00:41:19,520 --> 00:41:20,239
Speaker 5: start to go down.

854
00:41:20,920 --> 00:41:22,200
Speaker 1: We're thinking that's gonna happen.

855
00:41:22,320 --> 00:41:23,520
Speaker 4: Yes, we're hoping.

856
00:41:23,760 --> 00:41:27,160
Speaker 1: Yeah, we're hoping. This is the Creative Construction Wisconsin home

857
00:41:27,200 --> 00:41:30,520
Speaker 1: improvement show on Fox Sports nine twenty and your iHeart

858
00:41:30,680 --> 00:41:33,960
Speaker 1: Radio app. Welcome back to the Creative Construction of Wisconsin.

859
00:41:34,040 --> 00:41:37,040
Speaker 1: Home improvement show on Fox Sports nine twenty and your

860
00:41:37,080 --> 00:41:40,280
Speaker 1: iHeart Radio app as always, coming live from the Donovan

861
00:41:40,320 --> 00:41:44,120
Speaker 1: and Jorgansen Heating and Cooling Studios. I Mike been given

862
00:41:44,160 --> 00:41:47,719
Speaker 1: alongside my co host. He's Bengo Emmons, the owner of

863
00:41:47,880 --> 00:41:53,000
Speaker 1: Creative Construction Wisconsin. Our special guest Kevin even Off Evan

864
00:41:53,040 --> 00:41:57,000
Speaker 1: off Man, I'm the horrible last name you start eleving.

865
00:41:57,000 --> 00:41:59,319
Speaker 1: He goes. Even my kids go with Evan off. Nowadays,

866
00:41:59,480 --> 00:42:03,480
Speaker 1: he's a senior mortgage loan officer for Johnson Financial.

867
00:42:03,520 --> 00:42:05,120
Speaker 3: You don't find Mike mcgren.

868
00:42:05,360 --> 00:42:10,600
Speaker 1: Yeah, thank you, Bingo Hymans, that's awesome. Kevin is located

869
00:42:10,640 --> 00:42:14,719
Speaker 1: at their their Waukeshaw branch Wakshell location. Been in this

870
00:42:14,840 --> 00:42:17,200
Speaker 1: business for over thirty years. During the break, you were

871
00:42:17,200 --> 00:42:20,920
Speaker 1: talking Kevin about some of the portfolio products that you

872
00:42:20,920 --> 00:42:21,520
Speaker 1: guys offer.

873
00:42:22,200 --> 00:42:27,520
Speaker 5: Yeah, aside from the regulars say conventional type loans being

874
00:42:27,800 --> 00:42:30,239
Speaker 5: a bank that we can lend our own money out,

875
00:42:30,280 --> 00:42:35,000
Speaker 5: they call in house portfolio loans and a niche unique

876
00:42:35,000 --> 00:42:38,920
Speaker 5: loan that we do. It's for a doctor, physician, medical

877
00:42:38,920 --> 00:42:44,799
Speaker 5: professionals where we're gonna look at qualifying them with no

878
00:42:44,920 --> 00:42:47,400
Speaker 5: money down up to one we can go up to

879
00:42:47,400 --> 00:42:50,280
Speaker 5: one point two million. They don't have to have PMI

880
00:42:50,440 --> 00:42:52,440
Speaker 5: or mortgage insurance, which is great.

881
00:42:53,000 --> 00:42:53,200
Speaker 3: Uh.

882
00:42:53,239 --> 00:42:54,920
Speaker 5: And then we're a little bit more flexible on the

883
00:42:55,000 --> 00:42:57,760
Speaker 5: underwriting because a lot of times someone will say, oh, doctors,

884
00:42:57,760 --> 00:43:00,719
Speaker 5: they got tons of money, Well they got debt too,

885
00:43:00,760 --> 00:43:03,760
Speaker 5: a lot of debt, a lot of and not just doctors,

886
00:43:03,760 --> 00:43:07,960
Speaker 5: it's any type of physician. Then we also have heroes loans.

887
00:43:08,400 --> 00:43:13,000
Speaker 5: Those would be for people that are firefighters, please, nursus

888
00:43:13,120 --> 00:43:17,520
Speaker 5: first responders, responders, teachers that will give a discount on

889
00:43:17,560 --> 00:43:18,440
Speaker 5: the rate and cost.

890
00:43:18,520 --> 00:43:21,680
Speaker 4: All veterans, Yes, veterans listening.

891
00:43:21,719 --> 00:43:22,719
Speaker 3: I know he's here.

892
00:43:23,280 --> 00:43:26,239
Speaker 2: She said, No, she's runs an R and you know

893
00:43:26,280 --> 00:43:27,839
Speaker 2: she's up. You know, did the whole West Point, did

894
00:43:27,880 --> 00:43:31,240
Speaker 2: the whole army thing. So yeah, so she would qualify.

895
00:43:31,080 --> 00:43:33,320
Speaker 1: Yeah, she maybe maybe she should get a loan. I

896
00:43:33,320 --> 00:43:34,880
Speaker 1: could borrow twenty bucks from her.

897
00:43:35,239 --> 00:43:38,520
Speaker 3: Yep, yeah, she'll charge me thirty the next day.

898
00:43:38,680 --> 00:43:41,759
Speaker 1: Yeah, you know that whole Yeah, the Heaven's kind of

899
00:43:41,800 --> 00:43:45,279
Speaker 1: you know the percentage of the big they call it.

900
00:43:45,520 --> 00:43:47,520
Speaker 2: Yeah, well, you know you from the you know Irish

901
00:43:47,640 --> 00:43:49,920
Speaker 2: mafia guys, I mean, you know how they do the loans.

902
00:43:50,200 --> 00:43:51,120
Speaker 3: They're only forty.

903
00:43:51,560 --> 00:43:53,960
Speaker 1: Forty five percent. If you don't pay on time, get

904
00:43:54,000 --> 00:43:57,000
Speaker 1: somebody to starts your car. That's what those boys say. Hey,

905
00:43:57,040 --> 00:44:00,680
Speaker 1: the the the portfolio products is something that that you're

906
00:44:00,680 --> 00:44:04,520
Speaker 1: really impressed with that that Johnson Financial Group has. And

907
00:44:04,560 --> 00:44:07,319
Speaker 1: I love the fact that, look we the VA part

908
00:44:07,480 --> 00:44:09,640
Speaker 1: is is a lot of people offer the VA loan.

909
00:44:09,680 --> 00:44:11,319
Speaker 1: But when you talk about the hero alone, you talk

910
00:44:11,360 --> 00:44:13,640
Speaker 1: about the doctor, you know that kind of stuff, I

911
00:44:13,640 --> 00:44:16,440
Speaker 1: think again sets you a little bit apart from the petition.

912
00:44:16,719 --> 00:44:18,200
Speaker 4: Yeah, it certainly does.

913
00:44:18,440 --> 00:44:21,640
Speaker 5: And i'd just give you just a quick example on

914
00:44:22,400 --> 00:44:26,000
Speaker 5: things that we do. A lady issue there were nowadays

915
00:44:26,000 --> 00:44:29,040
Speaker 5: obviously if you're a buyer, you're kind of in the

916
00:44:29,040 --> 00:44:30,960
Speaker 5: back seat. If you're a seller, you know you can

917
00:44:31,120 --> 00:44:34,680
Speaker 5: control the market. So they wanted to buy then sell later.

918
00:44:35,280 --> 00:44:37,160
Speaker 5: And they were looking at taking some money out of

919
00:44:37,160 --> 00:44:39,680
Speaker 5: an IRA and they're gonna get hit with a penalty.

920
00:44:39,920 --> 00:44:42,480
Speaker 5: And she was a nurse practitioner. So I said, well,

921
00:44:42,560 --> 00:44:44,920
Speaker 5: let's look at the doctor loan, and so we did

922
00:44:44,920 --> 00:44:49,239
Speaker 5: the zero down. They bought the home, sold their home

923
00:44:49,280 --> 00:44:51,760
Speaker 5: a couple months later, so they didn't have any PMI,

924
00:44:51,840 --> 00:44:53,920
Speaker 5: they didn't get hit with any penalty. Then we just

925
00:44:53,960 --> 00:44:55,960
Speaker 5: took that money and put it back down on the

926
00:44:56,000 --> 00:44:59,239
Speaker 5: mortgage and recast their payment to a lower amount. She's

927
00:44:59,280 --> 00:45:01,640
Speaker 5: a fan of your Oh yeah, yeah, yeah. Well I

928
00:45:01,680 --> 00:45:04,360
Speaker 5: didn't get a Christmas card, but oh it's coming, it's coming.

929
00:45:04,520 --> 00:45:07,840
Speaker 1: Yeah, it's coming. Yeah. Yeah, she's listening and she's sending

930
00:45:07,920 --> 00:45:09,400
Speaker 1: one out tomorrow, I'm telling you.

931
00:45:09,560 --> 00:45:12,040
Speaker 5: But yeah, we'll just look at different creative ways to

932
00:45:12,080 --> 00:45:14,759
Speaker 5: do things. And that's the nice thing about our portfolio.

933
00:45:14,880 --> 00:45:16,560
Speaker 5: We could we can look at it and use some

934
00:45:16,640 --> 00:45:19,920
Speaker 5: common sense. Conventional sometimes has to be a little bit

935
00:45:19,920 --> 00:45:23,520
Speaker 5: more structured. But yeah, portfolio, we'll we'll look at that.

936
00:45:24,160 --> 00:45:27,120
Speaker 1: Hey, man, I appreciate you coming in today. This was

937
00:45:27,239 --> 00:45:30,160
Speaker 1: really good information and and and thank you for taking

938
00:45:30,200 --> 00:45:32,840
Speaker 1: the time to come sit with us. He is Kevin

939
00:45:32,920 --> 00:45:35,959
Speaker 1: Evanoff or even Off. It's even Off. But if you

940
00:45:35,960 --> 00:45:39,520
Speaker 1: he'll listen to Evanoff for sure, Kevin Evanoff. He's senior

941
00:45:39,560 --> 00:45:44,040
Speaker 1: mortgage loan Officer Johnson Financial Group. Go to Johnson Financialgroup

942
00:45:44,160 --> 00:45:48,360
Speaker 1: dot com. Again, he's located his branches in Waukeshare or

943
00:45:48,400 --> 00:45:51,960
Speaker 1: Pewaukee area. But give him a call. Go on that website,

944
00:45:52,000 --> 00:45:54,640
Speaker 1: take a look at watch a couple of the videos

945
00:45:54,680 --> 00:45:57,680
Speaker 1: I did. And this is a different animal what these

946
00:45:57,680 --> 00:46:01,879
Speaker 1: guys are doing for Johnson Financial Group. And he can

947
00:46:01,920 --> 00:46:04,279
Speaker 1: answer any of these questions. And if he can't, he

948
00:46:04,400 --> 00:46:07,400
Speaker 1: knows people there that can't. Kevin, it's good to meet you.

949
00:46:07,480 --> 00:46:09,960
Speaker 5: Yeah, it was a pleasure being here. Was it on

950
00:46:10,000 --> 00:46:11,880
Speaker 5: my bucket list? But I'm glad I did it.

951
00:46:12,000 --> 00:46:14,280
Speaker 4: There you go, there, you go have my resume.

952
00:46:14,400 --> 00:46:17,160
Speaker 1: Yeah, Happy New Year, Bengo. If you need bail money

953
00:46:17,160 --> 00:46:18,760
Speaker 1: come New Year's Eve, I'm your guy.

954
00:46:18,880 --> 00:46:20,520
Speaker 3: All right, keep that in mind.

955
00:46:20,560 --> 00:46:22,480
Speaker 1: Yeah, I'll just get a loan from Kevin to be

956
00:46:22,480 --> 00:46:24,400
Speaker 1: able to get you out.

957
00:46:24,640 --> 00:46:25,600
Speaker 4: You got my cell number.

958
00:46:25,719 --> 00:46:29,800
Speaker 1: I do have your cell numbers. Guys, Thanks for listening.

959
00:46:29,920 --> 00:46:33,640
Speaker 1: Happy New Year. This is the Creative Construction Wisconsin Home

960
00:46:33,680 --> 00:46:37,800
Speaker 1: improvement show on Fox Sports nine twenty and your iHeartRadio app.