Dennis Collins:

Hello again, it's Dennis Collins with another episode of Connect

Dennis Collins:

& Convert your sales accelerator podcast, where you learn the insider secrets to

Dennis Collins:

growing your sales faster than ever.

Dennis Collins:

Hey, my partner, Leah is off today.

Dennis Collins:

I have a very special guest that I'd like to introduce.

Dennis Collins:

I'd like to welcome today a very special guest to Connect & Convert.

Dennis Collins:

His name is Brian Tews and Brian is the founder and the owner of Tews Lending,

Dennis Collins:

which is based in Orlando, Florida.

Dennis Collins:

He's a native of South Florida, but he found his way up to Orlando.

Dennis Collins:

He went to UCF to get his MBA, UCF, go Knights!

Dennis Collins:

Heh heh.

Dennis Collins:

Charge on.

Dennis Collins:

Charge on, buddy.

Dennis Collins:

He is now in his fourth year, so it's a fairly new business.

Dennis Collins:

He's in his fourth year of ownership of Tewes Lending.

Dennis Collins:

I love to bring people like Brian to the attention of our listeners.

Dennis Collins:

Uh, our listeners are mostly small business owners or people who

Dennis Collins:

aspire to be a small business owner.

Dennis Collins:

Okay?

Dennis Collins:

And Brian didn't just think about it, didn't just talk about it.

Dennis Collins:

He did it.

Dennis Collins:

Brian.

Dennis Collins:

Okay.

Dennis Collins:

And so from his lips to your ears, he is going to help us understand

Dennis Collins:

all the trials, tribulations and the joys of being a small business owner.

Dennis Collins:

Hi, Brian.

Dennis Collins:

And welcome.

Brian Tewes:

Hey, Dennis, thank you so much for having me.

Brian Tewes:

This means a lot.

Brian Tewes:

Really appreciate the opportunity.

Dennis Collins:

It's a pleasure because, uh, I mean, you're one of

Dennis Collins:

the first people I wanted to get.

Dennis Collins:

Our podcast is still somewhat new.

Dennis Collins:

We've got about 35 episodes in already.

Dennis Collins:

We, we release, release one a week.

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So we're very aggressive.

Dennis Collins:

So we're, we're trying to build up some really good guests and

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you're going to be one of them.

Dennis Collins:

So, uh, I love the tagline that you use in some of your

Dennis Collins:

marketing, "Let's Get You Home".

Dennis Collins:

How'd you come up with that?

Dennis Collins:

What does that mean?

Brian Tewes:

Uh, that's a great question.

Brian Tewes:

So "Let's Get You Home", I mean, obviously it ties into the more huge piece of

Brian Tewes:

the business, but, uh, I was very, it's very key on some of the words I chose.

Brian Tewes:

So for example, the very first one, let's, I chose let's and not

Brian Tewes:

we'll get you home or I'll get you home because it's a team effort.

Brian Tewes:

It's a partnership.

Brian Tewes:

So it's not just myself and my team, it's also the real estate agents we work

Brian Tewes:

with, the title agents, as well as the actual consumer, the buyer of the home

Brian Tewes:

or the borrower getting a refinance.

Brian Tewes:

It's, it's all coming together.

Brian Tewes:

So that was very first on let's being the very first word and

Brian Tewes:

then get you meaning, okay, who are we actually focusing this on?

Brian Tewes:

And that is the client and then home, which is that could have several meanings.

Brian Tewes:

Yeah.

Brian Tewes:

It could be get you home, get you into a house.

Brian Tewes:

Or get you to the finish line.

Brian Tewes:

A lot of my social media, my caption is getting you there.

Brian Tewes:

Whatever your goal is, that's what we want to help you

Brian Tewes:

accomplish in a in a team effort.

Brian Tewes:

So it all kind of Combined into "Let's Get You Home".

Dennis Collins:

Hey, Brian.

Dennis Collins:

I love the wordsmithing.

Dennis Collins:

I mean, this wasn't just something you came up with.

Dennis Collins:

Uh, uh, you thought this through.

Dennis Collins:

I love the double meaning of home.

Dennis Collins:

I caught that and I was going to ask you about that.

Dennis Collins:

What does that mean?

Dennis Collins:

And you just described it.

Dennis Collins:

It has two very, very strong meetings.

Dennis Collins:

So, you all, you actually started in the business as a branch manager for

Dennis Collins:

your dad, who is also Brian Tewes, which I have confused on several occasions.

Dennis Collins:

And, uh, Dad Brian is living the life down in the Florida Keys.

Dennis Collins:

But you opened a branch office of Tewes Mortgage, uh, and talk to us

Dennis Collins:

about how that happened and then I want to talk about 2021, the year

Dennis Collins:

you decided to found Tewes Lending.

Dennis Collins:

But first of all, tell us about your background with your dad.

Brian Tewes:

Sure.

Brian Tewes:

So my dad not always tried to put a bug into my ear about getting into mortgages.

Brian Tewes:

It was more so find my own path, whatever that may end up being.

Brian Tewes:

And it was in.

Brian Tewes:

2017 when I realized I need to be doing something different,

Brian Tewes:

need to be doing something more.

Brian Tewes:

And at coincidentally the same time I was purchasing my first property,

Brian Tewes:

which of course my dad helped me do the mortgage, started asking tons

Brian Tewes:

of questions to him, not just your typical, what's my monthly payment

Brian Tewes:

going to be and how much cash do I need?

Brian Tewes:

I was really diving into the specifics and into the weeds of mortgages.

Brian Tewes:

And the crazy part was, It was all clicking in my head.

Brian Tewes:

It was, it was one of those instinctual things that were coming to me.

Brian Tewes:

So chatting with my dad, thought about getting my mortgage license, doing

Brian Tewes:

it on the side, while still having a full time job, and that went nowhere.

Brian Tewes:

Absolutely nowhere for the four months that I attempted that.

Brian Tewes:

No leads, no clients, nothing, just absolutely nothing.

Brian Tewes:

Uh, so.

Brian Tewes:

When I decided to leave the corporate world, I was working at

Brian Tewes:

an investment bank at the time.

Brian Tewes:

I had a couple opportunities to get into mortgages.

Brian Tewes:

One was under my dad's wing.

Brian Tewes:

And then the other one was actually working for a, um, uh, for a pretty decent

Brian Tewes:

sized mortgage company here in Orlando.

Brian Tewes:

And I chose to go under my dad's wing for obvious reasons being family, right?

Brian Tewes:

But then also a little bit more challenging.

Brian Tewes:

My dad was still down the keys.

Brian Tewes:

Zoom was not a thing.

Brian Tewes:

So I think we were using Skype.

Brian Tewes:

That's how he was teaching me.

Brian Tewes:

And what ended up really being a, a two man operation, him down the keys and me

Brian Tewes:

here and then I actually had a couple close friends of mine decide they wanted

Brian Tewes:

to try out the mortgage industry, next.

Brian Tewes:

So, you know, I had my own branch.

Brian Tewes:

Uh, so that was the first three or four years was growing my business,

Brian Tewes:

growing the name of Tewes up in Orlando because outside of my college friends,

Brian Tewes:

nobody had really knew who I was.

Brian Tewes:

So that was, that was probably one of the biggest challenges was

Brian Tewes:

marketing, was marketing, the name, the brand here in central Florida.

Brian Tewes:

And also learning how to become not just a manager, but a leader in a true

Brian Tewes:

professional entrepreneurial environment.

Brian Tewes:

That was the first three or four years of me being in

Brian Tewes:

this, uh, in this line of work.

Brian Tewes:

So it's been very, very interesting, very challenging.

Brian Tewes:

Come from a COVID in 20 and then also 2021 real estate wise, housing

Brian Tewes:

market wise, we blew up right.

Brian Tewes:

As much as everybody else, and we can thank the two and 3 percent interest

Brian Tewes:

rates for, for most of that abundance.

Brian Tewes:

Yeah.

Brian Tewes:

In 2000.

Brian Tewes:

Yeah.

Brian Tewes:

But in, uh, in 2021, that was a, it was a very challenging year outside of,

Brian Tewes:

uh, yes, again, tons of business, great opportunities, but learning how to scale

Brian Tewes:

up was something I had never done before.

Brian Tewes:

Heard the phrase, knew the definition, was not something I was looking to achieve.

Brian Tewes:

And the market forced my hand, forced our hands.

Brian Tewes:

Again, I'm still working with my pops.

Brian Tewes:

And we went through a lot of hiccups, obstacles, road bumps, butting heads.

Brian Tewes:

It was not easy at all.

Brian Tewes:

And, um, in 2021, it was towards the latter part of the year.

Brian Tewes:

It kind of got me thinking like, man, maybe not.

Brian Tewes:

There's absolutely no bad blood between my dad and I.

Brian Tewes:

We absolutely love each other, talk to each other still every day.

Brian Tewes:

But there were just certain things that he wanted to do for scaling the McKeith and

Brian Tewes:

what I wanted to do in central Florida.

Brian Tewes:

That was, they were just different.

Brian Tewes:

And it wasn't a matter of having my own branch.

Brian Tewes:

It was this might be where I need my own company.

Brian Tewes:

And I thought that, but I was truthfully too scared to tell him

Brian Tewes:

and we actually had a meeting.

Brian Tewes:

I went, I went down to the keys and he said it.

Brian Tewes:

He said, son, I think it's time that you potentially have your own company.

Brian Tewes:

So, uh, it was, I was, I was too, yeah, I was too chicken, you know what?

Brian Tewes:

And he kind of, uh, pulled it, pulled it out of me.

Brian Tewes:

So that's, that was a transition.

Brian Tewes:

So that was how I got into it initially.

Brian Tewes:

And yeah, eventually my, my own shop.

Dennis Collins:

Great story looking back and you, you, you documented

Dennis Collins:

all, you know, what a tough time for any business 20, 2020, 2021, even

Dennis Collins:

2022, and you probably started, uh, Tewes Lending at one of the most

Dennis Collins:

challenging times ever in our economy.

Dennis Collins:

Granted, there were some low interest rates, which didn't, which didn't hurt,

Dennis Collins:

but there was a lot of stuff going on.

Dennis Collins:

What is it that you didn't know then that, you know, now, as you look back and

Dennis Collins:

say, how did I overcome that obstacle?

Dennis Collins:

What were the obstacles that you had no way of predicting

Dennis Collins:

to start up Tewes Lending?

Brian Tewes:

Yeah, man, the start of Tewes Lending.

Brian Tewes:

I, I did not realize how, how much goes into, you know, you see all the, uh,

Brian Tewes:

the marketing of like, oh, to, to create your LLC or create your S corp, just go

Brian Tewes:

to this, just go to this website, go to this company and they'll do it for you.

Brian Tewes:

And that's it.

Brian Tewes:

Oh my God.

Brian Tewes:

That is one out of a hundred things you have to do.

Brian Tewes:

Um, so you have to register with the state of Florida.

Brian Tewes:

I'm not just talking Sundays.

Brian Tewes:

You need to get your, um, employment taxes, the I mean, I was going on, I

Brian Tewes:

was going on state of Florida websites.

Brian Tewes:

I'd never even heard of or seen before.

Brian Tewes:

Um, It was, it was a whirlwind to get your certain business licenses,

Brian Tewes:

not just with the state, but with the city, with the county.

Brian Tewes:

Um, before it was just, Oh, I just need my mortgage license.

Brian Tewes:

Now there's so many other licenses you have to get.

Brian Tewes:

Um, compliance wise, I had to get a compliance team, make sure that all

Brian Tewes:

of my, um, my legal documents were in line, that my disclosures were correct.

Brian Tewes:

Um, that even if everybody on my team, uh, just granted everybody on my

Brian Tewes:

team was independent contracted, but make sure those contractor agreements

Brian Tewes:

were, were shaped up and compliant.

Brian Tewes:

So, yeah, the creating an LLC, creating an S corp was the start

Brian Tewes:

and that's step one and step two.

Brian Tewes:

But there are, there was so much more.

Brian Tewes:

Uh, and at times, I, it's one of those times where it's like, you

Brian Tewes:

don't know what you don't know.

Brian Tewes:

And there were times where I didn't, I did not know what I needed to do, but I

Brian Tewes:

would get a nice, lovely letter in the mail that said, Brian, Tewes, Tewes,

Brian Tewes:

Lending you haven't filed for this.

Brian Tewes:

I'm thinking, oh crap, I need to jump on this ASAP.

Brian Tewes:

And that's sometimes that's how I learned.

Dennis Collins:

It wasn't Lisa wasn't the cops knocking at the

Dennis Collins:

door with handcuffs or something.

Dennis Collins:

No, no, it was not.

Dennis Collins:

Not that that's, not that that's serious.

Dennis Collins:

Okay.

Dennis Collins:

But here's, here's, here's a question.

Dennis Collins:

And as you talk about those obstacles.

Dennis Collins:

I, uh, you know, I hope that informs a lot of our listeners who are thinking about,

Dennis Collins:

who are contemplating, they had this dream of their own business, uh, there are some

Dennis Collins:

preparation steps that you need to do.

Dennis Collins:

And probably somebody like you who could mentor them would be a good idea

Dennis Collins:

to talk to somebody who's done it.

Dennis Collins:

That's kind of the reason I wanted you on the podcast is to give our listeners.

Dennis Collins:

A chance to understand, but I have a question, okay, with all of that

Dennis Collins:

difficulty, all of those hoops that you had to jump through, which is

Dennis Collins:

more difficult, jumping through those hoops or figuring out how best

Dennis Collins:

to market the new Tewes Lending.

Brian Tewes:

Oh, man, at the time it was, it was the hoops.

Brian Tewes:

It was definitely the hoops.

Brian Tewes:

Um, but now it is, and after the hoops were taken care of, yeah, definitely

Brian Tewes:

the, the marketing of Tewes Lending.

Brian Tewes:

Once, once you figure out the hoops to jump through, um, it's a matter of

Brian Tewes:

just renewing those hoops every year.

Brian Tewes:

And if you create a, I created a list of every, Almost like a checklist of

Brian Tewes:

everything that you've got to do, so I don't need to rethink that, but marketing

Brian Tewes:

branding the company was a challenge.

Brian Tewes:

I mean, even to this day, people still say Tewes Mortgage, even

Brian Tewes:

though it's Tewes Lending.

Brian Tewes:

So that was a challenge in itself.

Brian Tewes:

But yeah, there's so many different tactics you can go about.

Brian Tewes:

You can trial and error to see what works.

Brian Tewes:

Um, there's a lot of competition, a lot of competition in central

Brian Tewes:

Florida that does not stop.

Brian Tewes:

Um, as you mentioned, a crazy time, 2020, 2021, and even 22, a lot of

Brian Tewes:

people got into the mortgage industry, though there was more competition.

Brian Tewes:

And now I've got a brand new company to market.

Brian Tewes:

That's not, that's a, that's a recipe for disaster.

Brian Tewes:

So to, to kind of get past that was for sure a, um, I can't think

Brian Tewes:

of another word of the challenge.

Brian Tewes:

It was, it was even to this day, um, marketing is at the

Brian Tewes:

forefront of, of my mind.

Brian Tewes:

Um, we can help our clients.

Brian Tewes:

We can help our realtors, our title partners.

Brian Tewes:

Um, but our biggest thing is we need to be known.

Brian Tewes:

We have to be out there.

Brian Tewes:

So, um, that, that today is still the, you know, one of the biggest

Brian Tewes:

accomplishments we have to strive for.

Dennis Collins:

What has worked best for you?

Dennis Collins:

Obviously, we, uh, we're our overall, uh, group is called Wizard of Ads.

Dennis Collins:

Okay.

Dennis Collins:

We have 75 Wizard of Ad partners all over the world.

Dennis Collins:

And one of our biggest challenges is marketing.

Dennis Collins:

We, we, we tackle that challenge for small business owners every single day.

Dennis Collins:

So I would love for you to talk about what is working best for you.

Dennis Collins:

What have you found is the most effective way to market Tewes Lending?

Brian Tewes:

It is, and it sounds so simplistic, but it is a combination of

Brian Tewes:

being present at events and it is a social media push and also email marketing.

Brian Tewes:

So I pride myself on being the mortgage expert.

Brian Tewes:

Yeah, there's a.

Brian Tewes:

You've got a question.

Brian Tewes:

I'm going to have an answer for you.

Brian Tewes:

If I don't know the answer, give me 20 minutes and I'm going to

Brian Tewes:

get back to you with that answer.

Brian Tewes:

Um, so that's, that's really my push.

Brian Tewes:

And then to be able to market that on social media, not just Facebook and

Brian Tewes:

Instagram, we're on YouTube, we're on LinkedIn, we're on Tik TOK, we're

Brian Tewes:

basically everywhere except Twitter or X.

Brian Tewes:

So being able to, being able to showcase that my team and I

Brian Tewes:

are experts On those different platforms has been really helpful.

Brian Tewes:

And then also emailing out to just kind of be on the forefront of somebody's mind.

Brian Tewes:

And if there is an event, then show in person.

Brian Tewes:

We are, I guess this is a little bit of a unique thing.

Brian Tewes:

We are one of the few mortgage companies that with the exception of investment

Brian Tewes:

properties, If you're trying to buy a primary home or a secondary residence,

Brian Tewes:

we can only do Florida and a lot of mortgage companies will push and say,

Brian Tewes:

we can do this in five states, 10 states, all states, which is fantastic.

Brian Tewes:

But for us, we are local.

Brian Tewes:

We are hyper local.

Brian Tewes:

So there is enough business here.

Brian Tewes:

in central Florida.

Brian Tewes:

So I would tell you actually that that is one big advantage is that we don't

Brian Tewes:

go in target to Georgia or Texas.

Brian Tewes:

We are right here in Florida, right here in central Florida.

Brian Tewes:

Um, so being able to people say, find your niche or find your, um, your clientele in

Brian Tewes:

a sense is, Florida and central Florida.

Brian Tewes:

Um, so that's, that's one thing that we just try to, again, hyper focus on.

Dennis Collins:

That's interesting.

Dennis Collins:

It, it, it, it creates another question in my mind.

Dennis Collins:

As a consumer, as a customer, what are the advantages and disadvantages?

Dennis Collins:

I have a, as you said, a ton of choices.

Dennis Collins:

Some of these are big national companies that can do anything anywhere.

Dennis Collins:

And others are like Tewes Lending that are localized into a particular part

Dennis Collins:

of Florida, into the state of Florida.

Dennis Collins:

As a consumer, what are the advantages and disadvantages of working with a

Dennis Collins:

bigger firm, versus a smaller firm?

Brian Tewes:

I'll start with the disadvantages.

Brian Tewes:

So the disadvantage of working with a smaller company would be minor.

Brian Tewes:

Others is we might not have all of the, uh, the technology that a

Brian Tewes:

larger national company might have.

Brian Tewes:

Yeah, I give you a given example.

Brian Tewes:

There's one mortgage company.

Brian Tewes:

They're nationwide.

Brian Tewes:

And they have an app.

Brian Tewes:

So if you're trying to purchase a property, they'll say, Hey

Brian Tewes:

Dennis, just download our app and everything is going to be there.

Brian Tewes:

Um, whether we need documents from you, um, you want to see where

Brian Tewes:

exactly we are in the process.

Brian Tewes:

It's all going to be in, in your, your app.

Brian Tewes:

We won't have things like that.

Brian Tewes:

But that, that's probably the biggest disadvantage and the other

Brian Tewes:

disadvantage is, okay, if you want to buy a, um, a vacation home out

Brian Tewes:

in Denver, Colorado, we might not be the best option for that, right?

Brian Tewes:

We can, we can maybe finagle a way to create an investment property,

Brian Tewes:

but if it's just a straight up vacation home, that's, that's not us.

Brian Tewes:

So those are the disadvantages.

Brian Tewes:

The, the advantages absolutely outweigh the disadvantage.

Brian Tewes:

Number one, we are faster.

Brian Tewes:

Um, we are, um, we're faster, we're cheaper, we're easier to work with.

Brian Tewes:

There is not a, a, um, a supply line of people you have to speak to.

Brian Tewes:

There's a very minimal group, so you know exactly who to go

Brian Tewes:

to should you have questions.

Brian Tewes:

Um, because we are a smaller operation, we can be a lot faster.

Brian Tewes:

So, the national average for someone purchasing a property right now, do you

Brian Tewes:

want to take a guess how long it is?

Dennis Collins:

To get financed?

Dennis Collins:

Yeah.

Dennis Collins:

Okay.

Dennis Collins:

How long is it, national average?

Dennis Collins:

I'd say, uh, 60 days.

Brian Tewes:

So, it's 42.

Brian Tewes:

And that's off of Fannie Mae and Freddie Mac.

Brian Tewes:

We are at 17 days.

Brian Tewes:

Whoa.

Brian Tewes:

So, yeah, so, and that might not mean much if you want to close in 30

Brian Tewes:

days, what's the point of 17 days?

Brian Tewes:

Well, if you and five other people are trying to bid on the same home,

Brian Tewes:

someone that says I can get this done in less than three weeks is

Brian Tewes:

going to win over a 30 day or 42 day.

Brian Tewes:

So that's one huge advantage.

Brian Tewes:

We are also on the wholesale side.

Brian Tewes:

So, you know, if you're trying to buy a certain item that's at Whole

Brian Tewes:

Foods versus Sam's Club, Sam's Club is probably going to be cheaper, right?

Brian Tewes:

If it's at both places, but you need a membership to get into Sam's

Brian Tewes:

Club, and we are that membership.

Brian Tewes:

So we have Um, we have wholesale mortgage interest rates, um, that are

Brian Tewes:

generally anywhere from, uh, we call it basis points, 10 basis points.

Brian Tewes:

So 0.

Brian Tewes:

1 as much as up to, um, half a percent lower than your national average.

Brian Tewes:

So when you see on CNBC or these other websites that the average

Brian Tewes:

30 year mortgage rate is at 7.

Brian Tewes:

1, that means that we're probably at 6.8 or 6.9.

Brian Tewes:

So we're saving you money.

Brian Tewes:

We are faster than the competition.

Brian Tewes:

And we're hyper local.

Brian Tewes:

We also know all of the tax laws and every piece of a fee or transaction that

Brian Tewes:

goes on in here in Florida, you know, we don't have to worry about any rules

Brian Tewes:

or regulations in the other states.

Brian Tewes:

We know all of the rules for right here in Florida.

Brian Tewes:

So those are some of the advantages.

Brian Tewes:

Um, that I think outweigh the disadvantages.

Dennis Collins:

I certainly like faster and cheaper.

Dennis Collins:

Those, those would appeal to me right away.

Dennis Collins:

And certainly knowledgeable.

Dennis Collins:

I, uh, you know, boy, it, it can be, you know, buying properties,

Dennis Collins:

I don't have to tell you, you do it every day you're in that space.

Dennis Collins:

It can be very confusing.

Dennis Collins:

Uh, and there's a lot of regulation, a lot of, like you said, a lot of paperwork, a

Dennis Collins:

lot of stuff that has to be done, right.

Dennis Collins:

Or somebody's in jeopardy.

Dennis Collins:

Somebody may have a problem.

Dennis Collins:

So, uh, let me, let me jump back into marketing for a second.

Dennis Collins:

Cause I, I just, I'm on your social media.

Dennis Collins:

So I see a lot of what you do.

Dennis Collins:

And I'll tell you one thing that has really gotten me.

Dennis Collins:

And that is your little videos.

Dennis Collins:

I think you release those.

Dennis Collins:

I don't know if you have a timetable.

Dennis Collins:

It seems like they're weekly, at least maybe.

Dennis Collins:

I don't think they're more often than that.

Dennis Collins:

Do I have that right?

Dennis Collins:

Maybe once a week.

Brian Tewes:

Yep.

Brian Tewes:

Yeah.

Brian Tewes:

Once a week.

Brian Tewes:

Yep.

Dennis Collins:

I love your videos.

Dennis Collins:

In fact, the latest one I just noticed, uh, I think it was today.

Dennis Collins:

Fix and flip is, uh, I think one of your latest videos.

Dennis Collins:

I haven't looked at it yet.

Dennis Collins:

Tell, tell, tell the audience what fix and flip is.

Brian Tewes:

Yeah.

Brian Tewes:

So basically a fix and flip is a type of loan program we offer for anybody

Brian Tewes:

that's trying to purchase a property.

Brian Tewes:

They see it as the ugly duckling in the neighborhood.

Brian Tewes:

They want to fix it up and then either keep it or they

Brian Tewes:

want to sell it for a profit.

Brian Tewes:

We have loans that are specifically designed for that.

Brian Tewes:

And what I was mentioning in the videos and the other marketing pieces is that

Brian Tewes:

we don't care if you've never done a fix and flip before, or if that's

Brian Tewes:

all you do, we can help you no matter what end of the spectrum you are on.

Brian Tewes:

So I kind of dove into a little bit of the specifics on the videos and the other

Brian Tewes:

marketing pieces, but in a nutshell, you could have again, zero experienced,

Brian Tewes:

you got to put some money down, right?

Brian Tewes:

I think we have it at 20 percent down, but if that property costs

Brian Tewes:

$30, 000 worth of work, you don't have to come up with the $30, 000.

Brian Tewes:

We're going to finance that for you.

Brian Tewes:

So you're coming up, you're coming up with that's

Dennis Collins:

great.

Dennis Collins:

That's great.

Dennis Collins:

And, and my younger real estate investing days, uh, you and I would have been,

Dennis Collins:

uh, even better friends than we are now.

Brian Tewes:

Yeah, it's a, it's a really, really strong and, and simple

Brian Tewes:

program and it gives as well, it gives people the opportunity to, to take

Brian Tewes:

their time with the flip if they want.

Brian Tewes:

I mean, we have anywhere from 12 to 18 month terms.

Brian Tewes:

So a lot of people like to get in and out in two to four or five months.

Brian Tewes:

Um, but if there's delays or anything and kind of gives them the shot.

Brian Tewes:

And also another reason we, we talked about it.

Brian Tewes:

Last thing I'll say is a lot of people don't know that we have that loan type.

Brian Tewes:

Everyone thinks that we're just cookie cutter.

Brian Tewes:

Someone trying to buy a primary home or an investment property.

Brian Tewes:

No, like we can get into some unique programs too.

Brian Tewes:

So that was another reason we pushed out and say, Hey, like, don't forget, we can

Brian Tewes:

actually do these types of loans as well.

Dennis Collins:

That's why I like your little video series.

Dennis Collins:

What's been the response?

Dennis Collins:

Uh, by your customers, by potential customers, what kind of response

Dennis Collins:

do you get off your little videos?

Brian Tewes:

So if I, if I do get feedback for the most, for the most of the part,

Brian Tewes:

most of the time, it's, it is positive.

Brian Tewes:

Uh, it's a lot of people asking questions, engaging, wanting to

Brian Tewes:

know more, which is really cool.

Brian Tewes:

And the, the weekly update video that I send out not on social media, but also,

Brian Tewes:

uh, YouTube and email market as well.

Brian Tewes:

I mean, we'll get anywhere on the low side, 20, 30 views up to

Brian Tewes:

a hundred or so, and people are emailing back asking questions.

Brian Tewes:

So that's really it.

Brian Tewes:

We just want people to know that, Hey, here is a 45 second or 90 second update

Brian Tewes:

on what's going on in the mortgage world.

Brian Tewes:

And we know what we're talking about.

Brian Tewes:

So at any point in someone's day or life, they think I need

Brian Tewes:

something with a mortgage.

Brian Tewes:

They're thinking Brian and his team, they know what they're talking about.

Brian Tewes:

I'm going to go to them.

Dennis Collins:

I couldn't agree more.

Dennis Collins:

You are building your brand.

Dennis Collins:

And you're doing it 45 seconds, 60 seconds at a time, but I, I have

Dennis Collins:

never watched one of your little videos where I didn't learn something.

Dennis Collins:

Okay.

Dennis Collins:

I mean, you have taught me a lot of stuff and I thought, you know, I knew

Dennis Collins:

a lot of this stuff having been a real estate investor for most of my life,

Dennis Collins:

but no, you have brought me information and I'm sure others that we had no idea.

Dennis Collins:

And that is a real, uh, point of, of differentiation.

Dennis Collins:

How many people are doing that?

Dennis Collins:

Uh, you know, that's, I'm sure there are others, but they

Dennis Collins:

don't do it as well as you do.

Brian Tewes:

Yeah.

Brian Tewes:

Well, thank you for that.

Brian Tewes:

No, there's, yeah, there's a.

Brian Tewes:

There's a decent amount of people that are doing it, but it's one way

Brian Tewes:

to just show, show your knowledge, show your personality to me.

Brian Tewes:

I think the last video I posted, my, my camera was falling off to

Brian Tewes:

the side and I was like, Oh, I need to straighten on my camera.

Brian Tewes:

And I kept that in the video.

Brian Tewes:

Cause it's like, Hey, I'm, I'm human too.

Brian Tewes:

I'm I make mistakes.

Brian Tewes:

Uh, but yes, that's, that's a little bit about it.

Dennis Collins:

We talk a lot on this podcast, uh, Connect & Convert

Dennis Collins:

about the emotional side of connecting and you, you said it.

Dennis Collins:

Perfectly be real, be authentic.

Dennis Collins:

Okay.

Dennis Collins:

Uh, the old, uh, false narratives, they don't work anymore.

Dennis Collins:

People are looking for real people.

Dennis Collins:

And on those little videos, you're a real guy.

Dennis Collins:

And that's, that, that's why I commend you on those videos.

Dennis Collins:

They, they hit all the marks.

Dennis Collins:

And you know, that's even something you may want to expand.

Dennis Collins:

I'm not sure, you know, how much time you have, but those are very effective.

Dennis Collins:

And, uh, I think they're a great, great marketing tool for you.

Dennis Collins:

Let me talk a little bit about customer client acquisition.

Dennis Collins:

I know you work closely with realtors.

Dennis Collins:

Uh, I have two realtors that I'm thinking of in my life that I know,

Dennis Collins:

you know, and have worked with.

Dennis Collins:

What is the best way for Tewes Lending to acquire clients?

Dennis Collins:

What's worked the best?

Brian Tewes:

Um, the best way I've been able to actually have

Brian Tewes:

a, a sit down with realtors.

Brian Tewes:

I mean, I, outside of the sphere of influence, I'd say probably

Brian Tewes:

90 percent of our business does come from real estate agents.

Brian Tewes:

Being able to sit down with them, whether it be over coffee, lunch, or heck, even

Brian Tewes:

a Zoom call I've done sometimes, is huge because sure I get to tell them about

Brian Tewes:

me, but more importantly, I get to learn about them and their business and I

Brian Tewes:

get to learn what is working for them.

Brian Tewes:

Who are they targeting?

Brian Tewes:

How are they targeting it?

Brian Tewes:

Are they doing open houses?

Brian Tewes:

Well, maybe we can join them there.

Brian Tewes:

Are they targeting Airbnb investors?

Brian Tewes:

Well, then I can teach them that we have an Airbnb investment loan.

Brian Tewes:

That's, I would say, probably the most successful piece is being able to have

Brian Tewes:

some one on one time or just be in front of a group of agents and teach them.

Brian Tewes:

Yeah, I'm a CE certified instructor, so I can teach the agents, give them some

Brian Tewes:

CE continued education credits and then right then and there I'm in front of

Brian Tewes:

10, 15, 20 agents where, okay, now Brian definitely knows this stuff and they

Brian Tewes:

have an opportunity to ask me questions.

Brian Tewes:

Um, and vice versa.

Brian Tewes:

So face to face time with real estate agents is probably the most successful

Brian Tewes:

part for me to acquire clients, my team and I do acquire a client.

Dennis Collins:

That's great.

Dennis Collins:

Uh, or you, you, you hit two principles of influence right

Dennis Collins:

there that I, Talk about a lot.

Dennis Collins:

Number one, the principle of authority.

Dennis Collins:

You're setting yourself up as the real estate mortgage authority and the

Dennis Collins:

videos do that reaching out and doing these little meetings with realtors.

Dennis Collins:

You are setting yourself up as the authority.

Dennis Collins:

And the second principle is the principle of liking.

Dennis Collins:

Um, you know, people do business with people they like, okay.

Dennis Collins:

And you reach out and touch people and do these one on ones and

Dennis Collins:

these face to face meetings to activate the principle of liking.

Dennis Collins:

There's no surprise to me.

Dennis Collins:

Why, you know, as you know, a lot of small businesses don't

Dennis Collins:

make it to their fourth year.

Dennis Collins:

There's no surprise to me how Tewes Lending has not

Dennis Collins:

only made it, but has grown.

Dennis Collins:

I look at your lineup when, when you started, I think

Dennis Collins:

there were one or two of you.

Dennis Collins:

Now, I think I count five or six people that are working with you,

Dennis Collins:

which obviously speaks to your growth.

Dennis Collins:

So thank you.

Dennis Collins:

Okay.

Dennis Collins:

As we wind this down, one, one quick question about customer experience.

Dennis Collins:

I know you believe in communication.

Dennis Collins:

You believe you believe in education and communication.

Dennis Collins:

Love it.

Dennis Collins:

And community involvement.

Dennis Collins:

And you just explained all that.

Dennis Collins:

Just give me a brief vision of what it would be like for me to

Dennis Collins:

be a customer of Tewes Lending.

Dennis Collins:

What, what are, what should I expect?

Dennis Collins:

How would I be treated as a customer?

Brian Tewes:

The very first thing that you would experience is either myself

Brian Tewes:

or someone from my team reaching out to you actually via text message and

Brian Tewes:

saying, Hey, Dennis, we were connected from Joe Schmo, and I wanted to, um,

Brian Tewes:

reach out to you, see if I could help you answer any questions you might have.

Brian Tewes:

What is a good time that works for you?

Brian Tewes:

And I don't call you out of the blue hoping that you're, you

Brian Tewes:

know, not recording a podcast.

Brian Tewes:

I'm sending you a text message, so I'm on your timeline, and I'm saying,

Brian Tewes:

what does your schedule look like?

Brian Tewes:

So I am, I'm accommodating to you and your schedule.

Brian Tewes:

So that's first.

Brian Tewes:

And then once we actually get on the phone, I'm asking you tons of questions.

Brian Tewes:

I want to hear your story.

Brian Tewes:

You don't hear much from me until the very end.

Brian Tewes:

I kind of let you kind of run the show and I'm I'm learning about you.

Brian Tewes:

From after that introduction call or that, um, I guess exploratory call.

Brian Tewes:

We'll call it, then I'm saying, okay, Dennis, Here's what we've

Brian Tewes:

got to do to accomplish your goal.

Brian Tewes:

We've got three steps we're going to tackle and it's, I

Brian Tewes:

need you to do an application.

Brian Tewes:

It takes three minutes.

Brian Tewes:

It's really simple.

Brian Tewes:

Then after the application, I need a few documents from you.

Brian Tewes:

It's not a long laundry list.

Brian Tewes:

It's really short.

Brian Tewes:

And then the third and final thing is we're going to double check your credit.

Brian Tewes:

So I'm outlining to you exactly what is going to happen in that order.

Brian Tewes:

And every single time I'm keeping it simple.

Brian Tewes:

I'm making it known that there's not going to be a whole lot of friction.

Brian Tewes:

I do not need a lot of your time.

Brian Tewes:

And then once you do these quick three things, you're done.

Brian Tewes:

So I make it very easy to understand of this is not going to take a whole lot

Brian Tewes:

of time, minimal effort, and that's it.

Brian Tewes:

And then once that minimal effort is taken care of, you rest assured knowing

Brian Tewes:

that we're going to take care of it.

Brian Tewes:

Once you accomplish those three steps, what we have a different

Brian Tewes:

conversation about, okay, if you're trying to purchase a property, what

Brian Tewes:

does that monthly payment look like?

Brian Tewes:

How much money do you actually want to put down?

Brian Tewes:

Where's that money coming from, et cetera.

Brian Tewes:

And then from there, assuming you have a real estate agent, you know, the fun part

Brian Tewes:

begins, you start shopping for the home.

Brian Tewes:

But even then.

Brian Tewes:

We are, we're following up with you, you know, we're checking in

Brian Tewes:

and say, Hey Dennis, happy Monday.

Brian Tewes:

Uh, did you have a chance to go look at homes this past weekend?

Brian Tewes:

If so, how was it?

Brian Tewes:

Were there any properties that you need a, you know, an estimated monthly payment on?

Brian Tewes:

Or if it's a Friday saying, Hey Dennis, happy Friday.

Brian Tewes:

Um, any homes you plan to look at this weekend?

Brian Tewes:

You want us to break down any payments for you?

Brian Tewes:

Because sometimes.

Brian Tewes:

We will have, uh, buyers come to us and say, yeah, can you show me what 123

Brian Tewes:

Main Street's going to cost and we'll give you the monthly payment and you'll

Brian Tewes:

say, oh, that, that's way too high.

Brian Tewes:

I'm not even going to bother going to look at it.

Brian Tewes:

Thank you for saving me the time.

Brian Tewes:

So we're, we're really big on that.

Brian Tewes:

I'm trying to make sure yourself and also the real estate agent you're

Brian Tewes:

working with don't waste any time.

Brian Tewes:

Um, and then once you do find the home, we're going to hold your hand,

Brian Tewes:

the entire process to the finish line.

Brian Tewes:

So that's just a little bit of a snippet of what you can expect.

Brian Tewes:

Um, as the client.

Dennis Collins:

I'll be, I'll be right over.

Dennis Collins:

I think I need to apply.

Dennis Collins:

I, I wasn't going to buy anything, but maybe I should, as you know,

Dennis Collins:

customer experience wins the day.

Dennis Collins:

And you have set up a very personal company business that has your

Dennis Collins:

characteristics, your warmth, your communication skills, your, your

Dennis Collins:

strategy, all the stuff that, that you, the founder and owner bring are

Dennis Collins:

now transferred to your customers.

Dennis Collins:

And it makes for a great customer experience.

Dennis Collins:

And, you know, we talk on this podcast a lot about that.

Dennis Collins:

You could be the customer experience kills everything else.

Dennis Collins:

The culture and the customer experience beats everything.

Dennis Collins:

And you have done that, Brian.

Dennis Collins:

One last thing as we close out, any words of advice for that budding

Dennis Collins:

entrepreneur, like the young Brian, who is not sure what to do, any words of

Dennis Collins:

advice, any words of encouragement or discouragement for those young folks

Dennis Collins:

that are trying to figure it out?

Brian Tewes:

Yeah, um.

Brian Tewes:

Man push through like it's it is a discovery in yourself.

Brian Tewes:

I mean, I have, I have tried and succeeded.

Brian Tewes:

I've tried and failed and sometimes what you think you want ends up not being it.

Brian Tewes:

You know, I'll give the example pieces of advice, but the example

Brian Tewes:

is, I thought I wanted to have a 15 to 20 person operation.

Brian Tewes:

I figured man, you know, first and foremost, that's going to be

Brian Tewes:

a huge impact in central Florida.

Brian Tewes:

Number two, The money is not going to be bad either.

Brian Tewes:

Um, but what I very quickly learned was I don't want to, I, and to, I don't

Brian Tewes:

know, have a better way to phrase this.

Brian Tewes:

I don't want to be in charge or leading or managing 15 to 20 people.

Brian Tewes:

That is a lot and you need a lot of specific qualities, characteristics,

Brian Tewes:

and that, I would say, working and leading with a team is by far the most

Brian Tewes:

difficult part of being an entrepreneur.

Brian Tewes:

So, if you are a solo entrepreneur, pros and cons, everything

Brian Tewes:

is on you, good or bad.

Brian Tewes:

If you have a team, then maybe you had a bad month, but your team had a great month

Brian Tewes:

and you're still okay, or vice versa.

Brian Tewes:

But man, it is extremely difficult to, uh, to constantly lead a team.

Brian Tewes:

It does not stop.

Brian Tewes:

It is a full time job.

Brian Tewes:

So I would say definitely going back to the advice is try things out.

Brian Tewes:

If you believe you want something, go for it.

Brian Tewes:

And then lo and behold, you might be right or you might be wrong.

Brian Tewes:

Either way, that's okay.

Brian Tewes:

Um, so that's, that's probably the biggest piece of advice I

Brian Tewes:

would say so far is go for it.

Dennis Collins:

Wow.

Dennis Collins:

That's enlightening.

Dennis Collins:

The, the, you know, we could do a whole nother podcast on managing or leading.

Dennis Collins:

What's are they the same or different?

Dennis Collins:

And I think you just defined it.

Dennis Collins:

They're different.

Dennis Collins:

When you have a staff, you have to manage.

Dennis Collins:

And lead when you're a leader, you lead and you know, that's that's a

Dennis Collins:

discussion we have with our small business owners all the time.

Dennis Collins:

Are you going to work in your business or on your business?

Dennis Collins:

And that's a decision that has to be made.

Dennis Collins:

Sounds like you've made it.

Dennis Collins:

What a joy, Brian.

Dennis Collins:

I thought I knew you well, but I didn't.

Dennis Collins:

I found out things today that I didn't know to deepen my respect

Dennis Collins:

and appreciation for what you do.

Dennis Collins:

I want to thank you for taking the time to be on Connect & Convert.

Dennis Collins:

Ladies and gentlemen, you've been listening to Brian Tewes,

Dennis Collins:

the founder and owner of Tewes Lending at Orlando, Florida.

Dennis Collins:

Brian, what's your contact information?

Dennis Collins:

How could somebody get in touch?

Dennis Collins:

Give us.

Brian Tewes:

Awesome.

Brian Tewes:

Thanks Dennis.

Brian Tewes:

So easiest ways to look up Brian Tewes on anywhere, social media,

Brian Tewes:

you're, you're going to come across either myself or my dad.

Brian Tewes:

So hopefully I'm the younger one.

Brian Tewes:

You look at the photos.

Brian Tewes:

Uh, but on, on Instagram, I'm Bri, the mortgage guy, so B R I, and then

Brian Tewes:

the mortgage guy, um, so I'm there.

Brian Tewes:

And then TewesLending, so T E W E S, if you look that up in, you know,

Brian Tewes:

any social media platform, uh, you'll find us, uh, and my, my direct email

Brian Tewes:

is brian, B R I A N, at TewesLending.

Brian Tewes:

com.

Brian Tewes:

Again, T E W E S, Lending.

Brian Tewes:

com.

Brian Tewes:

And feel free to reach out to me.

Brian Tewes:

Any, any questions.

Brian Tewes:

questions, ideas, scenarios.

Brian Tewes:

I love it.

Brian Tewes:

I live it every day and I would be happy to help anybody that I can.

Dennis Collins:

Well, again, thank you for your time.

Dennis Collins:

Thank you also for being so open and vulnerable with.

Dennis Collins:

With the answers.

Dennis Collins:

I mean, what a help it's been to me and to our listeners.

Dennis Collins:

So that wraps it up for this edition of Connect & Convert

Dennis Collins:

the sales accelerator podcast.

Dennis Collins:

We'll be back next week.

Dennis Collins:

Stay

Dennis Collins:

tuned.

Dennis Collins:

Mhm.

Dennis Collins:

Mhm.

Dennis Collins:

Yeah.

Dennis Collins:

Mhm.

Dennis Collins:

Mhm.

Dennis Collins:

Mhm.