Feed Me Your Construction Content

Amy Magorian's Approach to Home Financing Success

• Joshua & Carolyn McMahon • Season 3 • Episode 31

Share episode

We appreciate any and all feedback so feel free to send a text.

Join us as we sit down with Amy Magorian from TowneBank, a lending expert with a rich history in the mortgage industry. Amy's unique upbringing in a military family led to frequent moves, creating an interesting and shared bond between her and our host, Joshua. Discover how her experiences have shaped her professional journey, focusing on permanent financing for various types of mortgages, including VA, conventional, FHA, and USDA loans. Amy also emphasizes the importance of staying ahead of the curve through continuous education amidst ever-evolving banking regulations.

In this episode, we break down the nuances of building impactful relationships in the lending world, particularly in the real estate markets of North Carolina and Colorado. Amy shares her strategies for connecting with local communities and builders, highlighting the shift from passive waiting to actively seeking referrals and partnerships with high-profile builders. We also explore the joy and challenges of helping first-time homebuyers and the unique considerations involved in new construction loans, including opportunities for buyers to improve their credit scores during these timelines.

We wrap up our engaging conversation by stressing the significance of gratitude and a personal touch in real estate and lending. Amy underscores the importance of face-to-face meetings, attending closings, and being available for client queries, even on weekends, contrasting this with the impersonal nature of online-only services. Learn how Amy’s dedication to personalized service fosters deeper trust and satisfaction among her clients. For those interested, Amy guides listeners on how to connect with her via the TowneBank Mortgage website, ensuring she's just a click away for all your mortgage needs. Don't miss out on these valuable insights and real-life stories that highlight the profound impact of personalized service in lending.

Support the show

Carolyn can be found on LinkedIn at:
https://www.linkedin.com/in/carolyn-mcmahon-937b89158
Joshua can be found on LinkedIn at:
www.linkedin.com/in/joshuamcmahon15
Email for feedback, questions, complaints, etc:
mcmahonjoshua15@gmail.com

Daily Journal: https://amzn.to/41p9aKE

Speaker 1:

I love that. I love that.

Speaker 2:

Hey y'all, Welcome back to another episode of Feed Me your Construction Content. I am Carolyn McMahon.

Speaker 1:

And I am Joshua McMahon.

Speaker 2:

We have a special guest on today. We do.

Speaker 1:

It's our good buddy Amy Magorian from Town Bank.

Speaker 3:

Hey y'all.

Speaker 2:

Look another hey y'all, that's right.

Speaker 1:

She's right at home with you.

Speaker 3:

I'm making the southerners proud, because my husband hates it when I tell everybody that I was born in Portland, maine, and I'm truly a northerner. So I'd love to just give everybody a hey y'all, so everybody gets a full southern aspect. Wow, how long were you in Maine? Not very long. My dad was career Coast Guard, so we moved around a lot.

Speaker 2:

I gotcha Because you certainly don't sound like my grandmother, who was born and raised in Maine.

Speaker 3:

So it's, you know the R's and everything else, we moved around a lot, so he retired here in Richmond. So I've been here for a long, long time.

Speaker 2:

Gotcha. Well, you know, Josh was born in New York, but same kind of deal. He really wasn't raised there. You sound more like you're from Virginia.

Speaker 1:

No, that's exactly right. Born in Syracuse, new York, and my stepfather was in the Navy, so we just moved up and down the East Coast and I didn't know we had that in common.

Speaker 3:

Yes, my dad was career Coast Guard, so it was Louisiana, missouri, dc, maine. How?

Speaker 1:

freaking cool, is that All?

Speaker 3:

sorts of places.

Speaker 1:

That's why we've gotten along so well yeah. We're the exact same upbringing, and now we're in Virginia. There you go. I thought it was Thomas that connected us, but it's our childhood.

Speaker 3:

It's the military.

Speaker 1:

For sure. Anybody that grew up in the military instantly has a connection.

Speaker 3:

That's right.

Speaker 1:

Because we don't have a home.

Speaker 3:

No, you have a house, but it just keeps going.

Speaker 1:

different states that's exactly right. So you said it best when you walked into the house and you said, well, you all won't be here for very long. It's like no, because we don't know any different three and out that's right three years and we move on to something else and it's from childhood exactly.

Speaker 3:

I lived prior to the house where I live now. We lived in there for 26 years, the longest I've ever lived anywhere in my whole life, wow oh my god, five years is my longest five, yeah and that's with with me.

Speaker 1:

Yeah, that was in ashland the first house we had built.

Speaker 3:

Yeah, how crazy to stay here because this home is beautiful thank you yes, thanks we're we might stay here.

Speaker 1:

Well, we'll definitely stay here because this home is beautiful. Thank you, yes, thanks, we might stay here. Well, we'll definitely stay here for two years. You know that's a given, but we'll see after that.

Speaker 2:

As soon as we get it right and the yard established, we'll move.

Speaker 1:

Yeah, that's exactly right. We got to increase the return on investment. There you go.

Speaker 2:

Once we do that, we're out, we're out and we're going to do it again. Yeah, so, amy, we've known each other for years. Yes, professionally, and then through Thomas Right. Yeah, so Thomas was one of Josh's first hires.

Speaker 1:

Yeah, I think he was my second or third hire, but definitely one of my best.

Speaker 2:

Yeah, and then we worked together for a minute and I first met Thomas and that was great, and then we've all kind of just stayed close now. So, amy, you are a lender with TowneBank, and what type of lending do you do?

Speaker 3:

I do all types of permanent financing. So mortgages, all types, whether it's VA, conventional, fha. Usda Got some grants opportunity sometimes. Oh wow, virginia Housing Town Bank is the largest bank of Virginia Housing money and so that's generally for first-time homebuyers but although you can be a second-time homebuyer and use their funds currently, they just changed that recently. So I do all permanent financing. I don't do construction loans, I just do the permanent financing where people do construction or resale. So if somebody's looking for a mortgage to buy second investment or primary, that's what that's.

Speaker 2:

I'm your gal Gotcha. Well, you did say that town bank does construction loans, but you, you let the folks know you do that because that's their genius, and then you focus on, uh, the permanent loans. So correct.

Speaker 3:

Yeah, I mean I think you have can't be an expert in everything, or at least Amy can't be an expert in everything. I, um, I like to stay focused on what I'm really good at and if you don't do construction firms all the time and every one of them is different it can be challenging. So I have um teammates that are really good at it, so I just refer it to them. So we've got teammates at town that are really really good at construction firms and I just let them handle that aspect.

Speaker 2:

Well, you said about the you know what you're good at, but banking laws and just things change all the time, right, I mean, I think we're sometime we were mid loan something and it was a VA. The VA had changed something and it completely lopsided our loan all this weird stuff and I was like they're like, oh well, it's a new something or other. Do you do continuing education?

Speaker 3:

for lending. Oh yeah, so we have to do continuing education all year long. Oh wow, so I'm licensed in the state of Virginia, North Carolina, South Carolina, Georgia, but you have to stay in Alabama, actually, and you have to stay updated through everything you know, just like you do with everything continuing education.

Speaker 2:

Oh wow, so in every state, I imagine, has some different little things that you have to do too. I didn't know that you were licensed in North Carolina, I am. I didn't know that either. I in North.

Speaker 1:

Carolina, I didn't know that either. That is good to know.

Speaker 2:

Heck, yeah, you know cause we like North Carolina.

Speaker 1:

We have a piece of property in North Carolina and we like it down there, so there's always potential for a another deal.

Speaker 3:

Well, we actually are licensed out in Colorado.

Speaker 2:

I'm licensed in Colorado, have not lended, there, but we do one of our loan officers is doing a second home right now in Colorado. Oh cool, so it's. I imagine it's like Hmm, I'm going to, I need you for a state that you're not licensed, and maybe you'll just go get your license.

Speaker 3:

I like to stay close to home.

Speaker 1:

You right.

Speaker 3:

I love to know what I'm lending on and to have a really good like. I'm big into market. What's going on in the market, what's going on with the builders? I'm not just a loan officer that just wants to go and lend money. I'm about knowing where somebody's buying and just feeling connected Well with so many lenders in the area.

Speaker 2:

you said something earlier that a lot of folks and I get it that the relationship is transactional right, so it's not like I'm going to go buy a home as many times as I buy a loaf of bread or whatever. Right Stop.

Speaker 1:

You're not referring to us. You're referring to most buyers, Most, most buyers.

Speaker 2:

But you know, it's like you're kind of like one and done. I mean, you're in your house for 26 years, you know the lender on your house, you know, you know, am I going to get another loan from them? But just like realtors, right, you? You, you create this relationship that maybe you don't use another loan, but someone else that you know does need a loan. You were on Boone's preferred lender list and what does that mean?

Speaker 3:

So I, early in my career, didn't really know how to go out and get business.

Speaker 3:

Nobody taught me how to do that and, being in the business for over 35 years, it used to be that the realtors would come to you, they would take you out to lunch and they would kind of dine in you to be their lender.

Speaker 3:

Well, things have changed and we now, you know we're out there seeking them to be a referral source. So when I started I just started calling on builders. I went to their models and I would go in there, I would drive around and I would stop at the model homes and get to know the agents and they would refer the business to me. So at the time they just started saying hey, you know, let's put Amy, let's refer Amy business. We like the way she does business, we like the way that she communicates, always gets us from start to finish. So that's kind of where I started in the business. I just started calling on a bunch of builders and have built those relationships. So I've got relationships with some high profile builders, local builders here in Richmond that I have consistently done business with for over 20 years probably.

Speaker 2:

Heck yeah.

Speaker 3:

So that's what I like. I'm big into relationships, but not all my business is building. I do a lot of new construction but a lot of it is resales. A lot of people don't necessarily a lot of loan officers don't like to do new construction because you don't get paid until it closes. So right, you sign a contract and you're building this big, beautiful boon home and it could be nine, you know, six to nine months before you get paid and they're like oh, I'm tapped out. I want to resale where I can get paid in 30 days.

Speaker 2:

Well, so does the lender too, Right, Everybody waits. We're like hey, you know, sell some specs, there you go.

Speaker 3:

That's a quick turnaround too so I do like to do. I mean, I've always told everybody I do a lot of training for first time home buyers through.

Speaker 3:

Virginia housing and have some resale agents that I partner with because there's no better uh, you know person to. I love dealing with first-time homebuyers. They appreciate everything that you're doing for them, and so to go and to educate people on how you can own a home, what, what is it going to take for you to get in? I've always said it's not if you can buy a house, it's when you can buy a house. Everybody can buy a house. Yeah, cause not?

Speaker 2:

everybody is lucky enough to have all their ass together, Right, or you know whether it be monetary qualifications or credit qualifications, but you can get there. I mean, you know it's funny today, but Josh's credit was in the dump. No way, I mean right, and I should have like ran the other way. I mean you know that was totally a not a good qualification for for a mate.

Speaker 1:

But uh, that was only 10 years ago, I think.

Speaker 2:

Yeah.

Speaker 1:

Maybe, maybe not even that long ago, 10 years ago, I think my credit score was in the box.

Speaker 3:

I helped you before and you had excellent credit, so I know that it couldn't have been Well it took.

Speaker 1:

it took a lot of work to rebuild my credit score and really a lot of focus, and you know the message in that is that you can rebuild it.

Speaker 2:

Yeah, you can reverse that. And then if you're working with someone who you know really wants that dream right, wants the new house, that home ownership I mean you see those little commercials with you know a woman going to the hardware store, you know getting you know keys and duplicates made and it's for her first house and it's like oh. I just love that.

Speaker 3:

Well, and the beauty of new construction is you've got time to get your credit straight right.

Speaker 3:

So for a lot of these younger people that don't understand the impact of paying their bills on time or keeping their credit clean, when they realize that they want to buy a house, then that's when I come in and say we've got months that we can get this straight for you so that you can close and buy this house. So new construction is great for people that are a little bit credit challenged. Town Bank is awesome. They have a credit department that when somebody comes in and we pull their credit and it's not great I send the credit report to them and they come back with a little roadmap. You do these things over the next two months and your score is going to go up. They simulate it and it comes back with this credit score and we know in the next six months we're going to be able to help them.

Speaker 2:

Isn't that crazy, just in six months, that you that you can do it. It's, you know. Granted, the debt is another issue, you know. But credit if you can, if you can fix that, or in the reverse, then you also tell them, hey, you're working on your credit. Don't go buy a new car, don't go buy a bunch of furniture or something. Don't get a loan on anything, right.

Speaker 1:

I'll tell you. What I heard you just say, though, is that don't go it alone. If you want to buy a house and if you're in the market for it, then work with someone like Amy to get that roadmap to credit success, because here's the thing I know a lot about building houses. I don't know anything about credit or financing or that thing. Right, you're my genius for that, and that's going to be the same for a lot of buyers, so reach out to that mortgage lender and find that roadmap.

Speaker 3:

Well, and that's what sets town apart from other lenders. People always say, well, why should I use you? You know what? What is the value of dealing with town? Well, town has me. Number one and then number two we've got so many resources that can help people that not other not other banks offer. Like a lot of banks and lenders and mortgage companies, they just it's all about the numbers. They want to move on to the next deal. They don't want to spend time in nurturing and counseling and making sure that this person is taken care of. And you know, and that's what we're good at, we're going to sit down and we're going to help you, get you to the goal line and get you across, no matter what it takes.

Speaker 2:

Yeah, I mean it's. It's certainly short-sighted of those folks that don't do it right, because they they could latch onto it, carolyn and Josh, and have a new loan every two years, you know, and so it is just so short-sighted for those or you know, running a business or doing things and you need those contacts and you need those people, especially in Richmond.

Speaker 1:

Oh yeah, well, that's the first thing I was thinking about, because what you're talking about is more of a transformational relationship versus transactional. And we have some mortgage lenders in our past who it was very transactional based and it was very clear that it was transactional. We were just a number. We're never going to do business with those individuals again, because that's not the way that we are. We want to have transformational relationships where we're adding value to your life just as much as you are to ours, and that's more important to us than just one deal, one great rate, one whatever.

Speaker 3:

Well, I will tell you, I have a gentleman that never thought he was going to be able to get a mortgage and I worked with him and his wife and went to the closing. Now, everything that we did was on the Internet, as most things are done now. But I talked to him a lot on the internet, as you know, most things are done now and but talk to him a lot on the phone. And the day I met him I went to the closing table and he it was. He was a big man, he was like six, five, just a big man, and he was sitting there and I introduced myself, put in a face with a name.

Speaker 3:

Yeah for the first time, wow, and the man started to cry.

Speaker 1:

I bet.

Speaker 3:

And he said I never believed that you would get me here. He said, amy, I don't know how many times you said to me trust me, I will get you there.

Speaker 2:

He said I never believed you, oh my God, I would have been a puddle.

Speaker 3:

I had to get up and go stand and look out the window because I started to cry. And I was like I am not crying in front of all these people and that man has sent texts to me for holidays Mother's Day, I mean I will randomly get a text from this man. And early May of this year he sent me a text and said Amy, I want you to know that every day I get up and I look at my walls and I think of you Because you got me into this house.

Speaker 3:

And that's why I do what I do.

Speaker 2:

Oh see, then he filled your love tank. Yes, he did Aw.

Speaker 1:

That is so great to hear it is we don't hear enough of those stories in our industry.

Speaker 2:

Well, I mean stories of being grateful, right, everybody's just in a hurry, they're nasty, they're picky, they're all these things, and people forget to be grateful. It's like, oh, you're paying for a service, well, I can be any way I want to be because I'm paying for it. Well, at the same time, I mean you are buying something from someone else because you can't do it. You can't self-perform, you can't do whatever. Have some gratefulness in your heart for what you bring to the table, something that you can't do. I mean, you're the one that made the home purchase possible.

Speaker 1:

Well, I think in America we've kind of gotten off course a little bit. I love Amazon, we love all these things and the convenience factor and I can order something right now, impulsively, and it's there on my doorstep tomorrow, if not today. And I think we're seeing a lot more of that in some of these relationships. And I think not to knock any other companies but say, like a Rocket Mortgage or specifically an online organization that you never see, you never meet, for them it's 1,000% transactional.

Speaker 3:

It is.

Speaker 1:

You can't go into the office and meet the person who's actually working with you, so that you're like I want to help this person versus I just want to make money.

Speaker 3:

Well, I think that that's what it's all about. I love sitting down and talking to people about it and you don't know, talking to somebody over the phone, you don't get the same feeling that they really understand what you're saying than you are when you look at them and there's a blank stare right and you know, oh gosh, we got to go over this again, but more. There's a generation of people that want to do everything by the computer text. So the greatest thing is when you show up at closing with a closing gift because they're shocked that you're actually taking time out of your day to come to the closing table and I'm like, why wouldn't I, why would I not show up when you're getting the keys to something that we've worked together for you to get and this is going to be your home? I'm amazed at how few loan officers actually go to closings. It's, it's really surprising that more loan officers don't show up at the end.

Speaker 2:

Well, and I think too, because, however many loans that we've done, it's always different. There's always something on a closing disclosure. Sometimes I think that because I'm in the building business, people think I know a heck of a lot more than I do. It's like I'm on the pretty side. I'm not on the banking side, the lending side. I don't do any of that.

Speaker 2:

So when I buy my own home, you know I struggle with with looking at this and I am so I'm such a bad skim reader that I don't pay attention to stuff. So it's like you know, don't take for granted what, what folks know, and I've worked with lenders who have done it. You, they talk extremely fast. They're only talking to one person and not both Correct, right, you know what I'm talking about and I need to understand it because, again, I'm the one paying the bills. I mean I, I need to understand where our money is and you know, sometimes you just need a little, a little extra. And I appreciate the extra attention to detail with my idiot questions, because I mean, they're doozies and I'm sure it's just. Like you know, maybe it's good that I can't always see you, because I can't see the eye rolls not you, amy, no, just little bankers in general.

Speaker 3:

But you know, sometimes Carolyn had.

Speaker 2:

We had a few conversations in the last transaction we did together, and Josh and I did most to get everything done and then, all of a sudden, here comes Carolyn.

Speaker 3:

We had a few conversations in the last transaction. We did together, josh and I did most to get everything done. And then, all of a sudden, here comes Carolyn and her white horse riding up yeah and wait a minute. I have this question.

Speaker 2:

Yeah.

Speaker 3:

I'm like wait who?

Speaker 2:

where did she come from? There is always a question, because then you have to understand where my information is coming from. Well, I did that. I did that first.

Speaker 3:

Yeah, yeah, and it's like uh there's no better feeling to know that somebody's comfortable enough in all seriousness, because we do know each other comfortable enough to call up and say hey, amy, I do have a question about this.

Speaker 2:

I don't quite understand.

Speaker 3:

I don't care that it's the same question 15 times and that's what I tell people over and over again, Even if it's on a Saturday or a Sunday. Five minutes of you being stressed out, worrying about it. I can alleviate that by you calling me on the weekend. If you're going to wait and be stressed out and just to call on Monday, don't do it. Call me, because I want to make sure we're all in this together. We don't get across the goal line without working together.

Speaker 2:

Well, and you and you will take the time. I mean, you're not necessarily on call and you know, I think that's where a lot of folks they kind of trip up because they do want that immediate satisfaction. They do want to make that connection with a rocket mortgage or some type of online entity because they think it's faster. It's da, da, da da. And it's not necessarily faster, certainly not better. Right, you know, you do get that personal touch with calling a lender and they will. I mean, I've been friends with lenders and we're out and they're like I got to take this call Right.

Speaker 1:

Sure.

Speaker 2:

And it's like cool, it's business, I get it, you do you girl, but it happens.

Speaker 1:

I don't think it's that you're on call, it's that you're available.

Speaker 3:

Right, but you can control it.

Speaker 1:

Yes, that's exact. You're in complete control of how you interact with those engagements and when. Right, and that's your control and you have to keep that control. I think that's a great point that you're making there. Keep that control. I think that's a great point that you're making there. And full disclosure. If I fully trust you, then I fully trust you because you're the genius in the banking. So I'm just you're guiding me towards the closing table and I'm great.

Speaker 1:

And Carolyn not that it's not a trust thing, but she has a need to know thing, and I don't need to know all that stuff. That's not that important. I need to know the number, how much it's going to cost us every month, what our interest rate is, making sure that all that jobs and everything else is good. I don't need to be totally in the weeds. I'm a big picture thinker. Carolyn loves to be in the weeds and loves to, and that's what makes us work. Great, though, because I'm going to miss something that I needed to have known, because I trust people too much. But then when I don't trust you, we don't do business together.

Speaker 3:

That's why y'all are good together, because you know everybody's strength and weakness.

Speaker 2:

Yeah.

Speaker 3:

I'm the balance.

Speaker 1:

Oh, that's exactly right, Because for me everything is great, right. Everybody knows that I'm going to figure it out some way or another.

Speaker 2:

It's going to work. Everything is figureoutable.

Speaker 1:

Yes, that's right. I love that. That's what's on my desk. Somebody said how in the heck are we going to solve this? No, actually they didn't say that. They said it can't be done. It can't be done. And I said dude, I turned around the little placard and I said he said everything is figureoutable. I said yeah, that's right.

Speaker 2:

Now help me figure it out. Don't tell me it can with me. Exactly so, amy, you've got a couple of kids. Are they in the? I know you know.

Speaker 3:

Thomas is in the building business and is your daughter. No, so, um, matthew is the middle child and he actually is an assistant at town and he makes sure that I keep all my compliance, all my stuff done. He's hopefully going to take over my business eventually one day. And then elizabeth, it works for costar. Oh, so she does a lot of um, I'm not exactly sure what she does, but I can tell you she's really good at what she does.

Speaker 3:

Um she because she does a lot of training. She does some training down there. She does um commercial research for CoStar and then she does some residential research. I think it's more commercial but um, so she's kind of connected in the industry a little bit. But when you grow up with your mom that you know I'm not proud of this. They can all tell you at any sporting event they could see me walking the field on the phone. But at least I was there and I'm not proud of that. But they've all seemed to grown into decent people I'd agree.

Speaker 3:

So I um better than decent whatever, whatever path they've chosen, they've done it on their own. I'm I'm proud to say that.

Speaker 2:

um, I think they're good people, so yeah we, we know Matt, and I think the first time I met Matt was at.

Speaker 1:

Thomas's wedding. Thomas's wedding.

Speaker 2:

And then the funniest part was that Matt's girlfriend is Harrison, who Boone had just hired, so we met at Thomas's wedding even before she started so and she's just wonderful.

Speaker 3:

Well, I can tell you there's no better feeling as a parent to have um your boys find girls that you really love. I can tell you Thomas Howell had some choice girlfriends growing up that I was like, oh Holy moly, how am I going to navigate this? But I feel very fortunate, very blessed, that girls love my boys so much that it's hard not to love them.

Speaker 1:

So yeah, we, um, we think the world of Katie, your twin boys, are amazing, you twins. Yeah, thomas and they're twins, right, thomas and Matthew? Yeah, aren't they twins? They look exactly alike.

Speaker 2:

They look nothing alike. He's just doing that to get under Thomas' skin.

Speaker 3:

No, thomas is. Who's Carlos Alcaraz Alcatraz Alcaraz, the new tennis player? Yes, that's Thomas Howell. That's what we keep telling him that oh my gosh.

Speaker 2:

Yeah so that's what he's like. So you know, I talked to your twin today. Thomas is like what?

Speaker 3:

They are so different, not even funny, they are it's hilarious.

Speaker 2:

How can you come from the same family and they're so different? It's like are you gonna tell them that one of them is adopted? Yeah, and which one? It's always gonna be somebody different it depends on the day.

Speaker 1:

Right right, you're mad at.

Speaker 3:

That's a fact, it's like elizabeth's always like I'm the number, I'm number one today, right, and I'm like, yeah, only because you're here helping. Tomorrow I'm sure it'll be somebody else. I don't know why we always have to be who's number one and number two and number three.

Speaker 2:

I just had one, so you know he's either always on or always on. Yeah, they're a mess but I'm glad your babies are doing well and kind of you know in your circle and in your business. That's cool.

Speaker 1:

Well, not only doing well, but I think that you've just kind of brought the next generation up to to take on the um, the business. And you know, having worked with Thomas personally, I mean just what a great guy I mean. So you've done an amazing job um with with Thomas. I mean I have a lot of experience with Thomas.

Speaker 3:

It's not always been easy. It's tough to have a career and raise a family I will say that and it's hard to find that balance, but somehow they've given me the grace and forgiveness when things haven't always gone well.

Speaker 2:

Well, if anything, you just demonstrated that I mean you can have it all right and it does require a lot of work and your kids were probably, you know, frustrated at times and you were probably frustrated, but you know, I think ultimately they saw a really hardworking mom and then, you know, I think maybe later in life they'll understand you know what you had to do and the things that they had because of it Right, and you know you're passing the torch very timely because of the Olympics.

Speaker 1:

That's right. I think you should definitely not be hard on yourself. You set a great example for your children which let's just be honest with ourselves People don't do anymore. We don't set great examples for our kids. That's why America is struggling to find people who won't do that work anymore. It's because we made it okay to not do that work or not do that stuff, and you taught your kids you've got to work for it if you want something in this country, and that's what makes America great, and I think your children loved you to death because of how you raised them, and they'll always remember how you raised them. So I'm standing up for you.

Speaker 3:

Amy, one of those kids show you something different.

Speaker 1:

I'm going to go pop them.

Speaker 3:

No, I will say that one thing that I can always say is that I do think that they do respect me a lot for my work ethic whether they were.

Speaker 3:

You know, elizabeth was frustrated that she could see me on the field walking up and down, talking. She knew I was there and I do think that work ethic is important and I do think all three of them have really good work ethic and I think I would like to think I had something to do with it, that I did set an example and they did see that you know, it's always an example whether how they take it is right.

Speaker 2:

Well for sure.

Speaker 1:

And Amy, I think this has been great having you on the show and talking about TownBank. Well, I appreciate it.

Speaker 3:

Thank you.

Speaker 1:

I mean, you have been phenomenal for us personally, professionally and just always been a great friend. Where can people find you if they're in the market for a mortgage or even just to try and get that credit roadmap, if?

Speaker 3:

they're in the market for a mortgage or even just to try and get that credit roadmap. They can always reach out to me through town bank Um and my number. My phone number is 804-399-5512. Um and then go to town bank mortgage website. Well, I'm first on the website just because of Amy.

Speaker 1:

That's perfect.

Speaker 3:

First time I've ever been thankful I've been a name, uh, but easy to find town bank mortgage and then go to a loan officer and I'm the first one on there that's perfect.

Speaker 1:

So the number one loan officer at uh town bank is what I heard you say it's not number one, but the first one on the website. That makes you number one.

Speaker 3:

That's right. I mean that's however you spin it.

Speaker 2:

There's no spin.

Speaker 1:

I'm just interpreting what you said.

Speaker 2:

And it's actually true.

Speaker 1:

She's number one on the website. That's right. Number one on the website. That's awesome.

Speaker 2:

Well, I'm sure we'll talk again, and thanks for being on the website. That's awesome. Well, I'm sure we'll talk again, and thanks for being on the show. Well, thanks for having me. I appreciate it, it's our pleasure.

Speaker 1:

Thank you, Amy.

Speaker 3:

See ya.

Speaker 1:

Yeah.

People on this episode

Contributor

Carolyn McMahon

Co-host
Contributor

Joshua McMahon

Co-host