Establishing Yourself Through Your Brand

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In this episode:

Real estate isn’t just about buying a house, it’s about finding your home.

In the real estate industry, it is important to be a friend to your clients, a person they can rely on to make them feel as secure and comfortable with their purchase. 

As a high performance loan originator, Abby McDaniel understands the pressure of finding the perfect home. With her experience as a real estate collaboration specialist in divorce, Abby is able to support her clients emotionally and provide the most realistic financial advice to fit each and every circumstance.

Good marketing makes the company look smart. But great marketing makes the customers feel smart.

TOPICS DISCUSSED:

  • What Abby Does (3:54)

  • Interest Rates (6:30)

  • Client Experiences (8:50)

  • Overcoming Problems (13:11)

  • Primary Audience (15:56)

  • Uncomfortable but Necessary (18:10)

  • Proudest Brand Moments (20:47)

  • Behind the Scenes (23:35)

  • Charity Shout-Outs (26:44)

  • Abby’s Advice for Home-Owners (27:45)

  • Real Estate Collaboration Specialist for Divorce (31:04)

  • How to Support Host and Guest (34:09)

  • Max Gerson (00:00):

    Welcome to Branding For The Rest Of Us, the podcast, where we promise to deliver big ideas for small businesses. On today's episode, we have a client, a friend, a networking partner, a real estate guru, Abby McDaniel of Spire Financials here. And we're, we're gonna do something a little bit different. We're gonna talk about the problems that extremely small businesses have. And I think about Abby's brand as an extremely small business. We're gonna talk about some of what her challenges were to keep her book of sales filled. We're gonna give you guys some new insights on what real estate residential real estate actually is today in 2020/2021. And we're also gonna share with you how understanding your personal brand and having a personal brand strategy can fuel your personal brand as well as supporting and protecting your existing book of business. So without further ado, Abby McDaniel Spire Financial, welcome to the show.

    Abby McDaniel (01:00):

    Thank you, Max. Thank you for having me. I'm really excited to be here and extremely nervous.

    Max Gerson (01:07):

    OK. It's OK. Abby, where, where were you last week? You weren't in Colorado. I don't believe

    Abby McDaniel (01:12):

    No. I was in Alaska traveling.

    Max Gerson (01:15):

    What did you do in Alaska?

    Abby McDaniel (01:17):

    Anything and everything that we could possibly hit up in seven days, we did the Alaska and I feel like power tour arrived got in toured Deerwood, went hiking, traveled down to Seward, went fishing jet skied on the ocean, traveled over to Homer where we went and did a bear excursion became within 15 feet of a grizzly mama bear and her two babies. And what else did we do anything and everything you could imagine

    Max Gerson (01:52):

    If you were to close your eyes right now, and you go back in the time machine to just one moment from that trip, where do you go?

    Abby McDaniel (01:59):

    Definitely for me, our fishing excursion, the bears was amazing, but we had a really awesome fishing opportunity where we had a private guy come in front of a friend, take us on a tour, went back beyond where boats don't normally go anchored on an iceberg, hooked up some fish tacos that we caught earlier that day made some margaritas, chipped the ice for the margarita out of the iceberg, and just really celebrated the peacefulness and the beauty that Alaska had to offer.

    Max Gerson (02:31):

    It really is like another country up there.

    Abby McDaniel (02:34):

    A hundred percent, amazing.

    Max Gerson (02:36):

    Why is travel so important to you?

    Abby McDaniel (02:39):

    Education experience, getting to know a different world outside of the little bubble here in Denver, but really just having that additional life experience, the memories and just really taking that in and realizing how blessed and lucky we are to have that.

    Max Gerson (02:59):

    It's nice to be able to invest in an experience and not a thing.

    Abby McDaniel (03:04):

    Absolutely.

    Max Gerson (03:05):

    So to everyone that's listening right now, I'm interviewing Abby McDaniels, Spire Financial, and, when Abby first got on the show, she told me she was feeling uncomfortable.

    Max Gerson (03:14):

    So what do we do? We just got her talking about herself and then about an experience that was meaningful to her, that she enjoys talking about marketing and branding is as much about dating as it is about sales. The one thing that will always make the other person comfortable is answering questions that they feel good answering and talking about ourselves. That's the one thing we can all talk about. So if you're looking for one big takeaway from the show, I think you can stop listening now, pay attention to the other person. If they're feeling uncomfortable, make them feel comfortable and easy way to do that is to get them about better.

    Abby McDaniel (03:53):

    Okay.

    Max Gerson (03:55):

    So Abby, your position at Spire Financial, you are a residential mortgage initiator, is that correct?

    Abby McDaniel (04:02):

    Well, I don't think that's the way that we would describe that.

    Max Gerson (04:05):

    So how would we describe that?

    Abby McDaniel (04:07):

    We would like to describe that as a high performance loan originator,

    Max Gerson (04:12):

    High performance loan originate. Now, what does that mean? Exactly?

    Abby McDaniel (04:15):

    Well, what it means for me is just kind of taking that mortgage lender, loan, originator title to the next level. I go over and beyond for my clients. It's not just about the service that we provide, but also about the way that we can provide it. Closing deals in 15 days when needed, making sure the client does close. There's so much fallout in the mortgage world that there isn't a deal that I haven't accepted that I haven't closed. So just being able to make sure that we can close the deal is number one priority.

    Max Gerson (04:49):

    Thank you for that. Yeah. I think that it's been really interesting getting to know you and your brand and residential real estate from the inside out, both from, from your perspective, but from mine as someone that is a real estate homeowner and investor, right? Because how many homes will we own in a lifetime for most of us, somewhere between one and five. There's a lot of intricacy. There's a lot of nuance. There's a lot of headache involved in securing the right mortgage. And I would say in general, the, the home buying process I've bought and sold maybe five homes in my lifetime, in the right bulb, age of 40 years old, I don't know anything. And I don't care to know anything about how to do that. Right. It doesn't benefit me in any other part of my life, other than those five transactions. So it's like this going to the dentist type of thinking, right? The mortgage and loan process, as it relates to buying a home, isn't something I desire to do. It's something I just have to do. Abby, what do people get wrong? What do people not know or not understand about residential lending? Like what's the one thing that they kind of get out of order or, or don't see or get backwards?

    Abby McDaniel (06:04):

    No, that's a great question. The one thing that the borrower always has their eye on number one, interest rates, what are your interest rates? They're not even associating that that interest rate could cost them a fee. They're just looking at what is your interest rate. And they're also not understanding how interest rates work. And so the one thing that they're coming to you, the first question that's asked is always what are your interest rates? And really your interest rate. Doesn't matter if you can't close the deal. Number one, so I can offer you two in a quarter interest rate, but if I can't close the deal, it doesn't make a difference that goes out the window. And so I think that the education behind, you know, making sure that you qualify for the loan, making sure you're put into the right loan, that best fits you in your situation is the number one goal for our team perspective. Absolutely.

    Max Gerson (06:59):

    And this is such a, just a common thing when consumers are out of their element, right? I don't know how to shop for a loan. I don't know what a high performance loan means. I don't know what, I don't know. The only thing I do know is interest rates because of Rocket Mortgage ads, right? So I'm coming to the table like so many consumers do. If you're a B2B business owner, if you're a consultant, if you work in complex sales, most of us are selling something that is kind of a pain in the for the other person. It's not an enjoyable thing. So we feel uncomfortable. We feel out of our element. And we're just asking the only questions that we know how to ask, which is what are the rates. But I think Colorado's been a unique market. I think it's been a hot market. It continues to be pretty hot. I mean, Abby, would you agree that it's still a seller's market?

    Abby McDaniel (07:55):

    I think absolutely. It's still a seller's market. We are in bidding wars nonstop as of today.

    Max Gerson (08:02):

    So going back to your point about what's the most important thing it's getting the house that you want for the right amount of money, don't get wound up about the interest rate, just like all other great strategists consultants, trusted advisors. It's about the desired outcome. And if you can't close the deal, who cares what the points are because it's not real. It's only real if you get the house. So Abby, I know that one of the key features and brand highlights for S SP is the standard close is 15 days. We know that your tagline is, or your brand promise is the shortest distance between here and home. A lot of people are just hung up on, on interest rates. And it's just a fact, when you say high performance loan, we don't know what that means. I know you have a story about how you helped a client come in at the 11th hour and get the property and get the deal, right. You guys closed in seven days. Is that right?

    Abby McDaniel (09:04):

    Seven days? Yes, we did.

    Max Gerson (09:07):

    So tell story of a high performance loan. Tell us that story

    Abby McDaniel (09:12):

    Recently. I had an amazing client reach out. It was probably back in March, going over interest rates, loan scenarios. They're looking to purchase a new home in California. Their real estate agent advised them on a different lender. Big box bank name will be unknown, but essentially they told them to use that local lender. They could get it done. They could guarantee it, get it done. They sold their house in Colorado. They were already across country when they got news that they were supposed to close in five days and this lender could not close the deal, essentially putting their earnest money, everything at risk. So they called me and we got their deal closed in seven days with what's called an appraisal waiver. So we didn't even need an appraisal. And they were able to close the loan within. I think it was yes, we closed within eight days and they were living in an Airbnb, packed up, moved their whole life to California. So yeah, absolutely.

    Max Gerson (10:17):

    In a bull market, in a seller's market where home values continue to rise, where there is more demand than supply, actually the most important thing to the homeowners, which they either aren't aware of or won't admit to themselves or anybody else is that it's not really about the interest points at the end of the day. It's about getting into the right house at the right price in the right amount of time. So the bigger picture here is that it's not about the cheapest loan. It's about the most competitive loan to the other person. This is sales 1 0 1, we need to close. You don't wanna pay more than you have to, but we have to present the thing that is closest to yes, for the person selling the home, right? This is not basic on one sense. It is very fundamental, but this is a very sophisticated viewpoint for this reason.

    Max Gerson (11:11):

    I love Abby. All of her clients love her and she has a stellar track record. Thanks for joining us today on Branding For The Rest Of Us, the Brand Wolfe podcast, where we promise to deliver big ideas for small

    business today, we've been interviewing our guest Abby McDaniel, a high performance loan originator from Spire Financial. If you're a business owner, you probably care about real estate. And you've been hearing some, what I think are very insightful ideas about real estate in a bull market, in a hot market, in a growing market. It's not about your interest. It's about, can we get the house that we wanna get because there's always gonna be multiple offers. And at the end of the day, getting in right, that determines your real opportunity cost, not the margin on the loan. So we've talked a little bit about what you do, and I think we've eliminated a lot of it quite honestly, because we're just trying to give the people what they need to know. But I wanna pivot, I wanna talk about some of the brand challenges you had as a senior loan originator, high performance loan originator within this larger umbrella. Right? I think there are these things that people don't understand. So you're basically an agent for this larger brand, but that larger brand is not at all responsible for your book of business for your sales funnel. Is that right, Abby?

    Abby McDaniel (12:32):

    Yes, that is correct. So being a part of Spire Financial, we are responsible for our own business. So with that, you know, I really needed to figure out a way to just let Abby McDaniel be known in the community.

    Max Gerson (12:50):

    This is such an important lesson for businesses and brands of all size, but especially small businesses. When, how do you market your brand when you kind of are the brand, or if you're in the real estate vertical, I mean, this is true of agents as well, where you work for this larger firm, but they're not the ones feeding your sales phone. Right. So what do you do about that? How do you operate? Most people don't do anything, but that's not who you are. Right. So what was the problem you were experiencing when we first started talking about how we could support your brand?

    Abby McDaniel (13:26):

    I wanted people to know who I was. I wanted to be able to separate myself, but still be a part of Spire, have Spire as my backing for my company, but really just have that individual touch of how I drive my business, who I am, how I run the, a McDaniel company essentially, and get that out into the world because I do think that we do it differently. I do think I, I run my business and treat my clients and my referral partners a completely different way than what other mortgage lenders do.

    Max Gerson (14:05):

    Yeah. I mean, if you're listening at home, the idea here is that there was tension, right? Abby knew that what she wanted to happen, what deserved to happen was just not happening. So, so there was tension there. And we also knew that there was tension because Abby's brand, her personal brand is a great book, but we didn't know how to make the cover of that book match the content. So where did we really start our journey? Right? You hired Brand Wolfe to help develop your personal brand. Do you remember where we started?

    Abby McDaniel (14:38):

    Yes and no. I remember doing a lot of R and D. Okay. Where are we focusing on? What is our, not just our key audience, but really who, who needs to know the Abby McDaniel individual brand and who that's most important to and how that is? Remind me more max. <Laugh>

    Max Gerson (15:03):

    It's been years when we first sat down, I can remember having coffee outside of REI on the Platte River.

    Abby McDaniel (15:11):

    Oh, the puzzles <laugh> keep going.

    Max Gerson (15:15):

    We started with the puzzle. We puzzles always come up, but what Abby needed was to make a really smart investment. She needed to invest in her brand and her business to in effect, give her a lever that she could pull. That lever was meant to create new sales, but it was also meant to protect her existing book of sales. So that's really the first door that we opened. We created some really cool stuff for you, but I actually don't care about stuff. I care about outcomes. So we start to reverse engineer the process. Well, you're not marketing to end users, right? We don't need consumers and buyers in the Denver Metro area to be aware of you. That's not really gonna be an efficient play. So who is your primary audience?

    Abby McDaniel (16:01):

    My primary audience is my referral partners. They are who all my business comes from. And so when I talk about referral partners, mainly real estate agents, they are everything to me. And I develop deep relationships with them where we become really good friends and trusted advisors and each other, honestly, so that we can refer clients back and forth. Absolutely.

    Max Gerson (16:27):

    This is B2B. This is complex sales. This is enterprise sales. Abby doesn't need a hundred new clients a year. She needs to make sure that the real estate agents that she knows and loves that feed her leads, stay there. And we, maybe we need to add a few more people to our book of business. But this is not about vanity metrics. This is not about a website. This is not about likes, comments, followers, social media engagement. It's about keeping those people happy. So when Abby and I started working together on her personal brand, I knew that Abby was completely out of her element. She had never engaged in this type of a process before for her own personal brand. And I also knew that she was out of her element because the way we do it compared to what most people assume, how most people perceive marketing and branding agencies to operate completely backwards.

    Max Gerson (17:23):

    So we didn't start by designing things and making things. Where we started the project with Abby was by going to school on understanding her audience, which was not actually homeowners. It was agents. It was understanding the nature of her industry, understanding how it works, what other people are saying and doing. Right. And then the third thing was just really understanding what Abby's superpowers were, what makes her tick? What, what are the reasons why she's so great at what she does? So my question for you, Abby, is did that feel like a weird process? Was this like this bizarre, totally unnecessary thing that we did while it was happening?

    Abby McDaniel (18:04):

    I wouldn't call it weird. It almost felt uncomfortable but necessary. Does that make sense?

    Max Gerson (18:12):

    I love that. Tell me about uncomfortable.

    Abby McDaniel (18:15):

    I mean, it forced me to really, not only just, I mean, I, I know my competitors, you know, and I know what they're doing versus not what they're doing or what they're not doing. I think just for me, it was really discovering more about myself in that process and what I knew was true to me and that I wanted to stick with and just figuring out what that delivery looked like. So that was more of the uncomfortable piece for sure.

    Max Gerson (18:46):

    Yeah. I mean, it was, we're taking you out of your comfort zone, right? We're trying to take you to a different part of the mountain that you haven't seen before. I love that. Thank you. Now tell me why it was necessary.

    Abby McDaniel (18:59):

    Oh gosh. Cuz I wouldn't be where I'm at without you necessary as in really dialing in how I want my business to be portrayed in a more professional manner and really how it can stand out and also create a meaningful connection with my trusted referral partners and even clients through that type of delivery and the way I just wanted to continue moving forward with how I do my business.

    Max Gerson (19:33):

    If you're just tuning in today on Branding For The Rest Of Us, the Brand Wolfe podcast, we have Abby McDaniel Spire Financial. We're talking about what it felt like to get started to work with a brand strategist. And what Abby is communicating to us is why it felt uncomfortable and why it felt necessary to do this. At the end of the day, branding is nothing but changing your comfort zone. And if you want your brand to evolve, you discomfort that was seeking clarity and was seeking, wanted a, she wanted to have a better mechanism from which to control her book of sales. She wanted to have more clarity on not just how to do that, but like what do I say? What do I not say? A lot of the work that we do. Isn't like wordsmithing all these perfect ideas all the time. It's just trimming the weeds, figuring out all the things that we could talk about that our audience actually doesn't care to know about. And we did actually end up and land on some pretty cool concepts of all the things that we developed for your personal brand. A what's the one thing you're most proud of? Like what's the one facet of your brand you're most proud of?

    Abby McDaniel (20:58):

    Well, I have two. So can I give you two <laugh>? So I love the shortest distance from here to home. I love it. I mean it's catchy, it's true. A hundred percent true. It's simple. It's to the point and it's just, it's easy, I guess you could say, but I, I love it. It's brilliant honestly. And it applies to everyone in every scenario, no matter what, the other thing I love <laugh>, which I know you're just itching at, are my business cards, love my business cards. They stand out beyond anything else and they're beautiful and I mean, they're great. I love 'em. I get compliments all the time. It's an experience when I give them to somebody and they remember it and save it and hopefully gimme a call the next day. So yeah, I absolutely love my business cards. And that was all you Max.

    Max Gerson (21:59):

    Well, thanks. I was, I just about fell out on my chair when you said that. So what Abby's talking about is her brand promise. If you don't know what that means, it's her tagline, it's her motto. It's the thing that she says. And the thing that she says is the shortest distance between here and home. And it's not about a 15 day close, although it relates to that. But what is the thing that the end user actually cares about? We wanna get into that house, right? And that's exactly what you do. The other thing I wanna mention is the fact that when we started with Abby, she said, no pens, no business cards. She was not interested in either one of those. And I said, what I normally say to myself in my head, I don't say this out loud. I say, it's okay for you to think that I'm such a purveyor of having these high impact business cards, because it's not about the card.

    Max Gerson (22:50):

    It's just about the fact that you'll remember the moment in which someone gave that to you. And Abby's business cards were tricky because Abby wanted black with gold foil, but the Spire branding is blue, white, sometimes black, very different. Abby's energy is Audrey Hepburn, Marilyn Monroe badass go getter. It's a combination of the type of personality that loves fishing in Alaska, but also loves like girly stuff and being feminine and, and being powerful. So we had to reconcile a lot also, I don't know if you've ever paid attention to a real estate business card, but between MLS numbers, MLS numbers, all the stuff you have to put on there, there's this big packaging problem. So how did we solve all of that for you?

    Abby McDaniel (23:41):

    We did a two sided folded business card. So it opens to a book and has very minimal information on each side to make sure the main on is really highlighted. Looks amazing.

    Max Gerson (24:02):

    So proud of those. So really what we did for Abby, we didn't build a website, didn't necessarily build a logo, but we had to develop the things, the assets, the tactics that would drive the outcomes she needed, which was to continue to stay in front of her real estate agents to continue to be valuable and delightful to them and vice versa, and also give her some new outreach tools as well. So how have those things been working for you?

    Abby McDaniel (24:32):

    One thing you forgot to mention is that what it allowed me to do is to continue to create an experience and a memory, and I'm all about the memories and the experience. And so that has been awesome and amazing for me. I went hiking on Sunday and handed my business to somebody and it caught the attention of three other people standing around. So it has created such an amazing experience and awareness. I love it. And hopefully those people connect with that and connect with me and remember me in everyday life, whether it's mortgages or not, <laugh>,

    Max Gerson (25:13):

    It's a key lesson in life. It's a key lesson in business and marketing. If it cannot be remembered, it cannot be understood if you want someone to refer you, they have to remember you, you have to create memories in our brain are psychotic brain events to create a new neural connection neural pathway so that when this other thing happens, they remember to recall Abby and to do that thing. So it's not about the business card, it's not about the Yeti mug. It's not about the, this or the, that it's the memory that person has of the moment in which you gave it to them. And the way that this for me really aligns with Abby is you have to be the most active, busy person. I know. And a lot of that is not just about your work. It's about your other passions in life that aren't just travel.

    Max Gerson (26:08):

    It is about your involvement and charitable organizations, your involvement in the community, and that all just relates to your personal brand of pardon in my French forgiving a. That was my first impression of Abby is that she cares and she does something about it, right? Your personality cannot be defined by the charities you profess to care about. It can be only defined by how you show up to support those causes. And I love that about Abby. So Abby, I want to put you on a soapbox here for all of the charities that you're involved in right now, September 2nd, 20, 20 month, whatever of COVID. Are there any charities that you wanna give a special shout out to or highlight?

    Abby McDaniel (26:52):

    Yes, absolutely. Two that I feel like are pretty near and dear to my heart in different ways, but the big idea project, which I was a mentor for, it's generous leadership in teaching that in high school and younger youth. So love that, which they actually have an event coming up. So if anyone's interested, let us know. And then also journey with Equis. It is a sanctuary for horses. So Candace, who is our founder, is a very overextended woman that just cares and puts herself out there to save horses from slaughter and then are retrained essentially for coaching different types of coaching. And they get to live out their lives with the organization essentially. So no threat.

    Max Gerson (27:42):

    That's awesome. We'll make sure we grab those links from you so we can promote those as well.

    Abby McDaniel (27:47):

    Thank you,

    Max Gerson (27:49):

    Abby, if you know that there's a business owner, who's thinking about buying their next home in Colorado, maybe it's their primary residence. Maybe it's an investment property. What advice would you give them today? What insight do you have for a person in that position that they can't see?

    Abby McDaniel (28:09):

    I think the main thing would be would is some people just have a hesitation to wait. Let's see if rates get better. Let's see if the market goes down. Let's see if it becomes a buyer's market. I don't know really anybody who has been well, I guess maybe very few people that have had the situation where that's been favorable. The waiting period, the waiting game usually is not in anyone's favor. I would say if you're comfortable with the interest rate, if you have the funds for down payment in Colorado, amazing market to involved up in lake here in Denver,

    Max Gerson (28:53):

    That's so true. And that's just something I've been guilty of, right? For how many consecutive days or years has it been? The case that you wake up in the morning, you look at wall street and you're like, oh my God, equities are still overvalued at an insane, right? No, I'm not putting my cash into that. I'm gonna wait the other, shoe's gonna drop. I've been saying that for years and I've been wrong every time I said we just bought a rental property in winter park. Maybe three years ago, timing was right. And I was considering the value in the home in 2016, man. This just seems crazy money, no way. We had friends that were in the market at that time too. And they waited until today. They paid the same price that we paid and they got half the house. So this is just true of anything.

    Max Gerson (29:43):

    Financial markets, real estate markets do not match the economy during the fourth quarter of 2020. They don't make sense if it's important to you, if you can do it, don't wait. What I believe to be true about real estate in homes is that for me, without question, our primary residence is our single most valuable financial asset. It's the one thing that is worth more than any other, one thing that's in our life. And for that reason, getting into the right home can feel really risky at the same time. Your exit strategy from that property, from that asset can also have a major implication in your financial, personal life being that it is September, 2020. What we know about this pandemic for parents across the globe, but especially in the us is that parents are having to deal with the pressure unlike they've ever seen. And that is translated into a big spike in divorces. And when people get divorced, the house has to get sold and we all know why, but what I also really appreciate about Abby is that she has this RCSD designation. She has been trained in a very specialized aspect of residential real estate. So our CSD stands for real estate collaboration specialist for divorce. Right? So, Abby, tell us a little bit more about that.

    Abby McDaniel (31:07):

    Absolutely. Well kind of the education behind it is, is a three day process taught by an amazing professor at Vanderbilt who teaches judges. She's an attorney so highly qualified and certified instructor, but really what it is is learning to take this largest asset. And not only is it just the, one of the largest assets that you are dealing with, especially in divorce, but it's the largest asset that has emotions connected with it. And so it's really difficult. I don't have any emotional connections with my stocks, so it's not as hard <laugh>, but there's a lot of memories that are made in a household. And so when it comes to divorce with the home, we really like to take some of that emotion out and help them make an educated decision based off what's right for them, what's the right size, either home or right decision for them to make.

    Abby McDaniel (32:06):

    So even though they may have this huge connection and want to hang onto the house financially, it may not be the best decision for them. They may not qualify on their own. And a lot of times, you know, these horror stories are that somebody will get the house awarded to them and the divorce. And when it comes to the refinance, they don't qualify. And at that time they either are foreclosing and creating more of an emotional disaster throughout the family, or they're having to sell at that point or, you know, scrambling to find a co-signer. And so we try and work with our clients in advance to make sure that they're educated and really just being compassionate through the divorce process and making sure that they're making the right decision for them, their family and their future

    Max Gerson (32:57):

    Divorce is like getting your heart ripped out through your wallet. And what is true of anyone going through divorce is that you're just on fire. There's no playbook. You're not really thinking. You're just trying to get through this the fastest way possible. The insight that A's talking about is the importance of using designated specialists during this process, because what we're talking about is the chopping up in division and distribution of all of the shared financial assets, right? And there are ways in which this can cost you a lot of money. You can do this very poorly, right? We also know that it's much bigger than just the home itself. There's a lot of other considerations here, if that's you or that's someone that you know, and we are just describing that person that's going through divorce that isn't sure how to do this. They need to talk to Abby.

    Max Gerson (33:49):

    Thanks for staying with us today on the Brand Wolfe podcast, Branding For The Rest Of Us, where I know without a doubt, we have delivered big ideas for small business owners. I want to thank our guest, Abby McDaniel, Spire Financial high performance loan, originator, real estate guru, a traveler, a generous leader, and someone that can just help you get into the home. You want it as quickly as possible. So Abby, where can people find you today? If you're a real estate agent and you're looking for a great second or third option, if you're a homeowner and you're not sure where to start, start with the lenders, or if you are someone you know, is at the decision point and getting divorced and there's a home involved, Abby's also a great person for you to know. So Abby, give us your website please.

    Abby McDaniel (34:40):

    Yep. My website is www.whoneedsamortgage.com,

    Max Gerson (34:45):

    But where are you really active online?

    Abby McDaniel (34:47):

    You will find me on Instagram and Facebook. So my Instagram is who needs a mortgage.com. And then you can find me on Facebook as Abby McDaniel.

    Max Gerson (34:59):

    So when you follow Abby, you're gonna get a slice of her real life, not just her financial life. You'll see all the closings that happen, but you might also see some amazing photos from her fishing expedition in Alaska.

    Abby McDaniel (35:12):

    I'm happy to share all my experiences.

    Max Gerson (35:14):

    That's what it's all about. Thanks for tuning in Abby. Thanks for being here. Been a wonderful guest.

    Abby McDaniel (35:20):

    Thank you Max. I appreciate it.

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