Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All! Key Factors podcast, powered by https://ReviewMyMortgage.com . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms. Host : Mark A Jones Founder of ReviewMyMortg ...
…
continue reading
1
Slang'n Real Estate - Age Doesn't Mean a Thing When You Won't Be Out Worked
1:02:04
1:02:04
Play later
Play later
Lists
Like
Liked
1:02:04
When the beaten path doesn't appeal, forging your own way becomes the only option. Philip Becker joins me, Mark Jones, to recount the tale of how he defied the odds and the naysayers to establish Becker Properties, a real estate brokerage that thrives on individuality and defies the traditional office structure. Our walk down memory lane isn't just…
…
continue reading
1
3 Sides to Every Story - Building Trust and Balance
1:05:21
1:05:21
Play later
Play later
Lists
Like
Liked
1:05:21
Ever find yourself wondering if the spirit of integrity still has a home in the cutthroat world of real estate? Look no further as we welcome Josue Martin to the Key Factors Podcast, a man whose personal narrative is steeped in a mission to infuse trust and authenticity into property dealings. From the streets of 90s LA where his family faced the d…
…
continue reading
1
The Path to Real Estate Mastery: Journey to Success and Team Dynamics
1:19:30
1:19:30
Play later
Play later
Lists
Like
Liked
1:19:30
Embark on a voyage into the dynamic world of real estate with the exceptional Rami Dietz, as he lays bare the twists and turns of his career, from a young licensee to a powerhouse in the industry. Discover the intricacies of apartment locating, where Rami found his niche, and learn how persistence, building robust relationships, and managing the ch…
…
continue reading
1
Mastering the Maze of Real Estate Finance: Navigating Mortgage Compliance and Regulation
1:04:42
1:04:42
Play later
Play later
Lists
Like
Liked
1:04:42
Embark on a journey with me, Mark Jones, as we uncover the hidden traps of housing finance regulation with the astute John Hudson. Straight from the trenches of mortgage compliance, we dive into the repercussions of navigating this minefield without the proper guidance, as emphasized by the profound cautions of Ken Perry. Our conversation is a beac…
…
continue reading
1
The Ethical Dilemma of Mortgage Trigger Leads and the Need for Consumer Protection
1:09:14
1:09:14
Play later
Play later
Lists
Like
Liked
1:09:14
Navigate the murky waters of mortgage trigger leads with us as mortgage expert Benjamin Sutton returns to shed light on how these controversial practices are changing the landscape for consumers and lenders alike. From the aggressive selling of consumer data by credit bureaus to the resulting onslaught of marketing that borrowers face, we tackle th…
…
continue reading
1
The Future of Real Estate Commissions, Industry Challenges, and Innovations
1:17:56
1:17:56
Play later
Play later
Lists
Like
Liked
1:17:56
Unlock the mysteries of the real estate industry with insights from our expert panel, featuring brokerage owner Jeff Garza, high-volume sales agent Robert Elder, and discount real estate company innovator Chris. As the recent lawsuit settlement sends shockwaves through the sector, we dissect the crumbling of the standard 6% commission rate and the …
…
continue reading
1
Mastering the Rental Game: Insights from a Property Management Pro
1:14:36
1:14:36
Play later
Play later
Lists
Like
Liked
1:14:36
Embark on a guided tour of the property management landscape with none other than Janice Lozano, an adept who oversees a staggering 200 properties. Our conversation navigates the intricacies of this bustling industry, from the strategic use of software to the nuanced dance of tenant relations. Janice, opting for the meticulous field of property man…
…
continue reading
1
Real Estate Commissions: Strategies and Insights with Insider John Story
1:01:09
1:01:09
Play later
Play later
Lists
Like
Liked
1:01:09
Unlock the hidden truths behind real estate commissions and discover strategies for navigating the industry's evolving landscape with insider John Story. Our riveting discussion sheds light on the recent National Real Estate Association settlement's impact on real estate, empowering both agents and homeowners with knowledge about commission negotia…
…
continue reading
1
Navigating the Mortgage Revolution: Ethics, AI, and Building Success in Real Estate with Ken Perry
1:20:34
1:20:34
Play later
Play later
Lists
Like
Liked
1:20:34
Embark on an enlightening adventure with me, Mark Jones, as we welcome the charismatic Ken Perry, president and founder of the Knowledge Coop, to the podcast. From his serendipitous pivot from bartending into the mortgage world to becoming an indispensable trainer and compliance specialist, Ken's story is one of passion meeting purpose. Together, w…
…
continue reading
1
Deciphering the Housing Market Maze: Expert Insights on Real Estate Challenges and Opportunities
1:09:07
1:09:07
Play later
Play later
Lists
Like
Liked
1:09:07
Prepare to unravel the complexities of the housing market with the unparalleled guidance of real estate broker Austin Pantuso. In a landscape where new builds and pre-owned homes dance a delicate tango of supply and demand, we navigate these nuances to arm you with the essentials for your next real estate venture. With Austin steering the conversat…
…
continue reading
1
Inside the Mind of a Real Estate Broker - Catching Up With Austin Pantuso
1:00:13
1:00:13
Play later
Play later
Lists
Like
Liked
1:00:13
How do you thrive in the ever-evolving landscape of real estate and mortgage? Discover the answers as Austin Pantuso of United Realty Group of Texas joins me, Mark Jones, in a compelling discussion that promises to reshape your perspective on building a successful brokerage. Austin doesn't just share his own transformative journey—from the wake-up …
…
continue reading
1
Navigating Market Complexities: Expert Insights on Commercial Real Estate Success and Adaptation
1:31:13
1:31:13
Play later
Play later
Lists
Like
Liked
1:31:13
Step into the dynamic world of commercial real estate with our latest Key Factors Podcast episode, featuring the insights of Andy Hilger and JJ Garina. Navigate the twists and turns of the market as we explore how local economic conditions, the Texas Triangle's growth, and the transformative power of relationships drive success in this complex indu…
…
continue reading
1
Real Estate Misinformation on Social Media - Lender Discussion
1:23:02
1:23:02
Play later
Play later
Lists
Like
Liked
1:23:02
Have you ever wondered if a career switch could lead you to unexpected success? This episode features riveting accounts from Ben Sutton and Lindsey Shelton, who found their callings within the mortgage realm after leaving their previous jobs. Their stories, rich with adaptability and perseverance, remind us that it's never too late to find your nic…
…
continue reading
1
DPA Explained - Down Payment Assistance and Building Generational Wealth
1:22:14
1:22:14
Play later
Play later
Lists
Like
Liked
1:22:14
Ever wondered how you could bridge the wealth gap through homeownership without the mythical 20% down payment? This Key Factors Podcast episode, featuring mortgage mavens Yvonne 'YG' Godina and John Hudson, promises to revolutionize your understanding of down payment assistance (DPA) programs and equip you with the knowledge to navigate the home bu…
…
continue reading
1
Respect Your Elders: Real Estate Wisdom Across Generations | KFP EP.72
1:09:07
1:09:07
Play later
Play later
Lists
Like
Liked
1:09:07
Join us on a heartfelt exploration as we navigate the intertwined professional paths of Robert and Austin Elder, a dynamic father-son duo in the real estate and mortgage lending arena. Our conversation spans the early days of Robert's introduction to real estate through his mother's open houses to Austin's service industry revelations and their col…
…
continue reading
1
Is Home Affordability an Issue in 2024? An Insider's Journey with Industry Experts
1:13:10
1:13:10
Play later
Play later
Lists
Like
Liked
1:13:10
Embark on an engrossing journey through the ebb and flow of the housing market with industry virtuosos Marcus Laughy and Andy Hilger of LHG Realty. As your host, Mark Jones, I bring you an episode brimming with insider knowledge, dissecting the intricacies of real estate and the builder industry. We tackle the rollercoaster of market fluctuations, …
…
continue reading
1
Charting the Course: Navigating Rates & Programs in 2024
37:17
37:17
Play later
Play later
Lists
Like
Liked
37:17
Embark on a journey through the tumultuous waves of the mortgage industry with Man Mortgage's finest from our Clearwater, Florida event. The dynamic duo of Caleb Wilson and our CFO Christian navigate us through the pre and post-COVID tide, with Christian offering his foresight on the potential shifts in interest rates. But the knowledge doesn't sto…
…
continue reading
1
Can You Be the Best & The Cheapest? Trends & Strategies for 2024
1:00:35
1:00:35
Play later
Play later
Lists
Like
Liked
1:00:35
Imagine basking in the Florida sunshine, surrounded by the buzz of achievement and innovation—welcome to the 2024 Champions Club event with man Mortgage. Our latest episode is packed with the electric atmosphere of the first two days, where we not only celebrate milestones with peers but soak in the Senior Exec board's wisdom that shapes our remark…
…
continue reading
1
20 Reasons People Fail at Business Planning - A Simple Business Plan
1:37:07
1:37:07
Play later
Play later
Lists
Like
Liked
1:37:07
Ever felt like your business plan is just a decorative piece on your shelf? Join me, Mark Jones, for a riveting conversation with Dylan Shively and AJ Regatas, as we unravel the true impact of business planning in the aftermath of the 2024 real estate market crash. From Dylan's leap from car sales to credit management to AJ's decade-plus expertise …
…
continue reading
1
Real Estate Crash of 2024 - How to Navigate the Noise
1:17:07
1:17:07
Play later
Play later
Lists
Like
Liked
1:17:07
Prepare to navigate the unpredictable tides of the real estate market with our latest episode that features the collective wisdom of industry titans Allen Corona and Michael Schultz. Together, we dissect the looming question of a 2024 market crash by weaving personal tales of adversity, triumph, and the clout of strategic networking. From the lense…
…
continue reading
1
Memes & Money Moves - Inside the Minds of Mortgage Jokesters
1:29:59
1:29:59
Play later
Play later
Lists
Like
Liked
1:29:59
In this episode Mark Jones, discusses the continued need for humor in the mortgage and real estate industry with his 2 guests. Matt Mazzacco - Loan Officer from EZ Loans Matt has been originating loans for the last 12 years and he shares his tips and tricks regarding the use of humor on social media, presentations with customers, and he also shares…
…
continue reading
1
Perfection is a Lie in Real Estate - Stephanie Stone with EXP
1:09:51
1:09:51
Play later
Play later
Lists
Like
Liked
1:09:51
Welcome to another informative episode of the Key Factors Podcast, hosted by Mark Jones and sponsored by reviewmymortgage.com. In this episode, we delve into the dynamic world of real estate, exploring the challenges and opportunities in the current market. We're joined by two exceptional guests, Nicole Aquero, a dedicated loan officer, with iThink…
…
continue reading
1
Lender Life - 50 Shades of Mortgage
1:28:48
1:28:48
Play later
Play later
Lists
Like
Liked
1:28:48
Key Factors Podcast is Powered by ReviewMyMortgage.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.By Mark A Jones - Founder of ReviewMyMortgage.com
…
continue reading
1
Become Recession Proof Using Real Estate
1:20:54
1:20:54
Play later
Play later
Lists
Like
Liked
1:20:54
About This Episode: In this Discussion, I'm joined by Rich Valadez, Realtor & Investor with Rich Realty Group, JB Goodwin Realtors in San Antonio, TX. Rich shares his journey through building multiple streams of income, all prior to becoming a realtor. We also discuss valuable tips for new or seasoned real estate professionals that you can use in y…
…
continue reading
1
Now is the Best Time to Buy a Home! My 1st Street Interviews
12:42
12:42
Play later
Play later
Lists
Like
Liked
12:42
Navigating the Housing Market: Is Now the Right Time to Buy a Home? In today's ever-evolving real estate market, potential homebuyers are facing a common dilemma: is now the right time to purchase a home, especially with interest rates higher than what many are accustomed to? While it's true that higher interest rates can be daunting, there are sev…
…
continue reading
1
Realtors Under Attack - The Market Shift
1:31:10
1:31:10
Play later
Play later
Lists
Like
Liked
1:31:10
🔑 Welcome to a new episode of the Key Factors Podcast! In this insightful episode, we delve into the critical issues impacting realtors and lenders in today's challenging real estate market. Join us as we discuss the New & Largest Class action suit brought forth by the buyers of previous transactions claiming they overpaid for homes and commissions…
…
continue reading
1
Change is Coming - Evolve & Adapt or Be Left Behind
1:33:43
1:33:43
Play later
Play later
Lists
Like
Liked
1:33:43
🔑 Welcome to a new episode of the Key Factors Podcast! In this insightful episode, we delve into the critical issues impacting realtors and lenders in today's challenging real estate market. Join us as we discuss the NAR ruling on Buyer Agency and Representation and explore the hurdles faced by industry professionals amid high rates and low invento…
…
continue reading
1
Defending the Realty Realm: Unpacking the NAR Ruling with Industry Experts
1:36:11
1:36:11
Play later
Play later
Lists
Like
Liked
1:36:11
In this enlightening episode, host Mark Jones, delves deep into the recent NAR Ruling on Buyer Agency Verdict in Missouri Kansas, which has sent ripples throughout the real estate industry. Joining the discussion are three industry veterans who bring their unique perspectives to the table. Guests: Nacole Ricks, a seasoned Residential Listing Specia…
…
continue reading
1
Beyond the Sales Price Chat with a Real Estate Appraiser
1:12:03
1:12:03
Play later
Play later
Lists
Like
Liked
1:12:03
🏠 "Beyond the Sales Price: In-depth Chat with a Real Estate Appraiser" Join us in this enlightening episode as we dive deep into the intricate world of property valuation! Chad Melin, Executive Sales Leader at Mann Mortgage LLC, sits down with Robert Oglesby, the Vice President of Class Valuation and a seasoned appraiser himself, to unveil the nuan…
…
continue reading
1
CFPB Fines Freedom Mortgage for Kickbacks - RESPA VIOLATION
1:15:19
1:15:19
Play later
Play later
Lists
Like
Liked
1:15:19
In this episode of the Key Factors podcast, we discuss the recent CFPB fine against Freedom Mortgage for violating RESPA with kickbacks and pay for referrals. The CFPB found that Freedom Mortgage provided things of value, including subscription services, events, and monthly marketing service agreement payments, to real estate agents and brokers in …
…
continue reading
1
Taking a Leap of Faith in Real Estate - Rookie of the Year to Top Producer
49:38
49:38
Play later
Play later
Lists
Like
Liked
49:38
#TexasRealEstate #MortgageEducation #ReviewMyMortgage In this episode of the Key Factors Podcast, host Mark Jones, founder of ReviewMyMortgage.com, speaks with guests Jose Buentello, a realtor, and Yvonne Godina, a senior loan officer. They delve into the challenges and rewards of pursuing a career in real estate, with a focus on the importance of …
…
continue reading
1
Fiesta King & Everything In between | How to Conquer Today's Tough Market
1:04:07
1:04:07
Play later
Play later
Lists
Like
Liked
1:04:07
#SanAntonioRealEstate #MortgageRates #Realtors In this episode of the "Key Factors Podcast," hosted by Mark Jones and sponsored by reviewmymortgage.com, the show has reached over 10,000 users in its first month. This success is attributed to the desire of home buyers for educational content. The guest of the episode is Lucio "Bo" Vasquez, a well-kn…
…
continue reading
1
Solutions To Affordable Housing - Shaking the Stigma of Manufactured Homes
1:10:56
1:10:56
Play later
Play later
Lists
Like
Liked
1:10:56
#ManufacturedHousing #AffordableHousing #RealEstate In this episode of Key Factors Podcast, Mark Jones, the host and founder of reviewmymortgage.com, celebrates the platform's success in surpassing 10,000 users within the first 30 days of operation. This achievement attests to the growing consumer interest in understanding potential mortgage option…
…
continue reading
1
Good Credit Still Wins Every Time - New Rules on How Credit Score Affects Your Mortgage
59:07
59:07
Play later
Play later
Lists
Like
Liked
59:07
#CreditScore #HomeBuying #Government #YouShouldKnow In a landscape where credit scores govern our financial lives, understanding how they work is crucial, especially when it comes to home buying. In this power-packed episode of the Key Factors Podcast, we dive deep into the world of credit scores, their new rules, and what they mean for you as a ho…
…
continue reading
1
Grow Through What You Go Through: Building a Legacy with Real Estate ft. Danielle Voigt Kruciak
59:43
59:43
Play later
Play later
Lists
Like
Liked
59:43
In this empowering episode of the Key Factors Podcast, we welcome Danielle Voigt Kruciak, Team Lead and Founder of The Mission Haus Group, to discuss her inspirational journey in the real estate industry. With over 15 years of experience, Danielle is no stranger to the ins and outs of real estate, and her commitment to making a positive impact is e…
…
continue reading
1
Renting Is the Killer of Wealth - Real Estate Crisis in Texas - Key Factors
1:05:07
1:05:07
Play later
Play later
Lists
Like
Liked
1:05:07
#TexasRealEstate #BuildWealth #AffordableHousing Welcome to the Key Factors Podcast, hosted by Mark Jones. In this episode, Mark brings on guests Charley and Alisa Wasson from the Laughy Hilger Real Estate Group to discuss the advantages of becoming a homeowner in Texas. Charley, who started his career as a radio DJ, has since become a highly succe…
…
continue reading
1
Is Elon Going to Buy a Whole Town? Let's Talk Taxes, Texas, and Intentions
39:52
39:52
Play later
Play later
Lists
Like
Liked
39:52
#ElonMusk #Texas #California #TaxBurden Elon Musk has reportedly purchased thousands of acres of land in Texas to build his own town for employees to live and work. The proposed town, adjacent to Boring and SpaceX facilities, is said to include rental homes below the local market value and a Montessori school. Texas law requires at least 201 reside…
…
continue reading
1
Myth or Fact? Which Housing Markets Are Impacted by Over Supply
22:48
22:48
Play later
Play later
Lists
Like
Liked
22:48
#realestate #housingmarket #homesales #inventorylevels #mortgagerates #oversupply #SanFrancisco #Phoenix #multifamilyunits #GoldmanSachs Yahoo Finance reporter Dani Romero discusses the state of the U.S. housing market, focusing on which markets are most impacted by oversupply. Four of the largest 25 metro areas, including Austin, Seattle, San Fran…
…
continue reading
1
The State of the Real Estate Market - Foreclosures Down Rates Up
21:28
21:28
Play later
Play later
Lists
Like
Liked
21:28
The U.S. foreclosure market is showing signs of stabilizing, with foreclosure activity declining by 3% in February 2023, according to a report by ATTOM. However, foreclosure activity was still up 18% from a year ago. Despite the decline, the report warns that the numbers don't yet show a clear trend toward fewer foreclosures. The report also reveal…
…
continue reading
1
2023 Credit Card & Federal Debt Stats Every American Needs to Know
31:37
31:37
Play later
Play later
Lists
Like
Liked
31:37
#RealEstate #MarketUpdate #creditcarddebt We will discuss the following topics - 2023 National Debt https://www.usgovernmentspending.com/... The US Treasury's gross federal debt includes debt held by the public and by federal government accounts. The federal debt was $30.93 trillion at the end of FY 2022 and is estimated to be $32.59 trillion by th…
…
continue reading
1
Appraisals Appraisals Appraisals - Lets's Dig In
37:22
37:22
Play later
Play later
Lists
Like
Liked
37:22
Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Featured Guest Co-Host : Matt Stansbury VP of Growth | Sr. Loan Officer iTHIINK MORTGAGE NMLS# 1534206 Yvonne Godina aka YG Sr. Loan Officer NMLS# 312632 Mann Mortgage LLC, DB…
…
continue reading
1
Rates, Why Low Credit in the South, Appraisal Overages in South Texas - 1st of the Month Update
29:58
29:58
Play later
Play later
Lists
Like
Liked
29:58
Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Featured Guest Co-Host : Matt Stansbury VP of Growth | Sr. Loan Officer iTHIINK MORTGAGE NMLS# 1534206 Yvonne Godina aka YG Sr. Loan Officer NMLS# 312632 Mann Mortgage LLC, DB…
…
continue reading
1
When Passion Leads to Progress - All The Chatter with RuebenRealtor
1:10:56
1:10:56
Play later
Play later
Lists
Like
Liked
1:10:56
#RealEstate #SanAntonio #SocialMedia When Passion Leads to Progress Key Factors is a podcast show that explores the journeys of successful professionals in the real estate industry and how their passions led to progress in their lives and careers. Hosted by Mark Jones, President of iTHINK Mortgage, this show features conversations with industry exp…
…
continue reading
1
This Crazy Market - Adapt & Overcome with Katie Hasson
51:32
51:32
Play later
Play later
Lists
Like
Liked
51:32
#RealEstatePodcast #TopProducers #Coaching In this episode, I bring my personal business coach on to discuss habits of top producers, what others are doing to adapt to this crazy market, and how to overcome what we are all in the industry going through. Plenty of needle moving activities, best practices, and much more to pick up in this discussion.…
…
continue reading
1
FORECLOSURES - How to Avoid Them - What You Should Know
1:15:15
1:15:15
Play later
Play later
Lists
Like
Liked
1:15:15
#AvoidForeclosure #HomeOwnership #homevalues Let's Discuss the ways to Avoid Foreclosure VS. trying to spread fear about a fake real estate crash thats supposed to take place this year... FORECLOSURE Guest: Tony Martinez | Realtor | Remax North Host: Mark Jones - NMLS 513437 | Founder of ReviewMyMortgage.com | President iTHINK MORTGAGE Sr. Loan Off…
…
continue reading
1
Where is the Market Headed - A Look into the Crystal Ball with Donn Mann
6:04
6:04
Play later
Play later
Lists
Like
Liked
6:04
I have the opportunity to have a quick chat with the owner of Mann Mortgage LLC right before my grand opening of iTHINK MORTGAGE. Just a few important questions answered to give you great perspective in the Real Estate Market. Host : Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK MORTGAGE | ithinkmortgage.com Top Producing S…
…
continue reading
1
From Inner City on a Mission - Never Give Up on Your Vision - Now a Physician
56:03
56:03
Play later
Play later
Lists
Like
Liked
56:03
#NeverGiveUp #WorkHard #AfricanAmerican #Doctor #Entrepreneur Dr. Simien was born and raised in the inner cities of Los Angeles, California. He attended Missouri Baptist University in St. Louis, Missouri and obtained his Bachelor’s of Science in Biology. He received his Doctorate of Osteopathic Medicine from Des Moines University. Subsequently, he …
…
continue reading
1
December 20th Real Estate Market Update with the iTHINK Mortgage Loan Officers
25:27
25:27
Play later
Play later
Lists
Like
Liked
25:27
Let's talk about the real estate market based on our location of San Antonio Texas. Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Yvonne Godina aka YG Sr. Loan Officer NMLS# 312632 Nichole Kelley Loan Officer NMLS# 163037…
…
continue reading
1
Mid December Real Estate Market Update with the iTHINK Mortgage Loan Officers
31:31
31:31
Play later
Play later
Lists
Like
Liked
31:31
Let's talk about the real estate market based on our location of San Antonio Texas. Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Jody Trevino Loan Officer NMLS# 2211449 Les Marshall Loan Officer NMLS# 2081243 Mann Mortga…
…
continue reading
1
Real Estate & Mortgage Update with the iTHINK Mortgage Loan Officers
31:42
31:42
Play later
Play later
Lists
Like
Liked
31:42
Let's talk about the real estate market based on our location of San Antonio Texas. Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Nichole Kelley Loan Officer NMLS#1630375 Xavier Villarreal Loan Officer NMLS# 2217153 Mann …
…
continue reading