The Element in Mortgage Lending

the ELEMENT age Lending in Mortg

2 0 2 1 Q U A R T E R LY E D I T I O N

INSIDE THIS ISSUE: Be prepared to

SACRIFICE for SUCCESS

WORKING from HOME

Home REPAIRS

HEALTH in the NEWS Ward off Alzheimer’s

CHARLOTTE TEAM EXPANDS! Joe Carney, Joshua Martin, Matt Pawlowski

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

In the Spotlight With a background in Insurance, Banking and customer service, Joe Carney prides himself on putting the customer first and making himself available for them. Like many in his family, his father Don Carney, was an Insurance agent in Davidson for more than 38 years and instilled the Customer Care mentality in him.

Joe knows the feeling of helping customer’s dreams come true and knows that planning is a huge key in making those dreams happen. He believes in asking the extra questions that most do not in order to make the best recommendation for each customer as no two clients are alike!

Joe Carney Mortgage Loan Officer NMLS: #1925731 Direct: 704.677.4261 Office: 704.728.0191 jcarney@elementfunding.com

Joe was born and raised in Mooresville, NC and has seen the Lake Norman area grow tremendously over the years. As a parent and a graduate of The University of North Carolina at Wilmington he knows that with smart financial decisions parents may be able to help their children with the education investment or at least set them up for success once they are grown. Therefore Joe really likes to dig deep and learn his client’s plans for both the immediate and distant future.

Knowing these plans he is able to help his clients save as much money over the life of their loan. Having a deeper understanding and quality relationship with his clients affords him the ability to take care of his customers and gain friends for life.

As a former Firefighter Josh knows what it means to put people before himself, to operate with honesty, integrity, and discipline. It is important to him to make sure he takes care of the needs of his clients and helps them make a well informed smart financial decision.

Joshua Martin Mortgage Loan Officer NMLS: #2025205 Direct: 336.462.2349 Office: 704.728.0191 Joshua.martin@elementfunding.com

Matt Pawlowski Mortgage Loan Officer NMLS #2037816 Direct: 336.423.9599 Office: 704.728.0191 mpawlowski@elementfunding.com

Born in Birmingham, AL Josh moved to the Mooresville area when he was 10 years old. Josh and his wife Stephanie love to serve in their community by helping with church functions and coaching sports for their 3 daughters. Josh strives to ensure a wonderful experience for his clients from beginning to end. Josh focuses on building strong relationships with his clients and partners to make their experience with Element Funding an unforgettable one. Give him a call today or fill out an application online to get started. You will be glad you did.

Matt Pawlowski joins the team at Element Funding and is committed to building strong relationships with his clients. His goal is to make sure his customers are informed and guide them through an enjoyable home-buying process. Through constant communication, he is available to address questions that may arise at any point during the process.

Raised in Greensboro, Matt graduated from Guilford College where he was a four year starting Quarterback and earned All-American honors. Upon graduation he went on to Coach at North Carolina A&T State University for four seasons where he also obtained his Master’s Degree. Based in Charlotte, Matt looks to serve the entire state of North Carolina while focusing on Charlotte and Greensboro.

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TALK TOWN OF THE

@ELEMENT FUNDING

Talk of the Town is Element’s latest monthly circular that highlight comments shared by fellow colleagues about other members of the organization who continuously make a positive contribution to the workplace through areas such as productivity or quality gains.

Ray Evans: He is a great leader and truly cares for our clients.

Brad Roche: In just a couple of brief conversations, he has elevated my idea of value.

Ashley Campbell: Ashley has some of the hardest files yet she always seems to make it happen.

She goes the extra mile.

Marlene Pena: She is so helpful with everything.

You all are true difference makers....every day.....thank you all!!!

Element Funding’s EXCELLENCE AWARD EXCELLENCE AWARD nal and Awarded for Exceptional Inter nd Element Expectations

External Service Above and Beyo

Founded 2007

Samantha Stone Awarded November 2020

Congratulations!

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Be prepared to sacrifice for success Success requires sacrifice— long hours, hard work, limited sleep, and more.

for this so the odds don’t overwhelm you before you get started.

The Ladders website reminds you of three more items you should be prepared to give up:

• Fear of judgment. You’ll have to get over the anxiety around other people judging you—telling you that your ideas won’t work or that you’re doomed to failure.

• Security and certainty.

Any venture is always a gamble. You’ve got to be prepared to take some risks—financial, social, psychological.

You may have to give up a comfortable nine-to-five schedule, or guarantees of future stability. Be ready

Work to build and reinforce your confidence in the face of naysayers. Give up the need for approval from everyone. Ignore the criticism and focus on your goals.

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• Other definitions of success. Only you can truly define what success means for you. Other people may try to steer you in alternate directions. Success isn’t necessarily about money, or power, or status. It’s what fulfills you.

Don’t be led astray. Know what you want to achieve, and just as importantly, why you want to achieve it, and you’ll have a good guide to where you want to go.

Recipe: Breakfast Sliders What a way to start the day!! These delicious ham, egg and cheese breakfast sliders served warm out of the oven are sure to brighten up any morning!

Ingredients

• 1 sheet slider buns butter or potato style • 6 slices ham • 6 slices cheese • 12 eggs • 1/2 - 1 cup melted butter plus 1 Tablespoon for cooking eggs

Directions

Preheat oven to 350°F. Cut the sandwich sheet in half through the middle to create two “slices” of sandwich sheet. (You want the individual buns to stay together). Place the bottom half of the sandwich sheet in the casserole dish. Set aside.

Prepare a frying pan over medium heat with a teaspoon of your choice butter or cooking oil.

While pan heats, crack eggs into a medium size bowl and whisk until fully blended. Pour into the preheated frying pan and stir constantly, until eggs are thoroughly cooked. Remove frying pan from heat and set aside.

Place an even layer of the ham on top of the bread. Follow with the eggs, and then the cheese.

Top with the slider buns and then pour the melted butter evenly over the sandwiches. (For a lighter version, use 1/2 cup butter instead of 1 cup).

Cover the casserole dish with tinfoil. Bake at 350°F for 20-30 minutes until the butter has completely absorbed into the rolls. Cut and serve. Best enjoyed warm.

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Health in the News Ward off Alzheimer’s Support Health with these tips Care Workers Alzheimer’s disease afflicts millions of people around the world. If you want to reduce your chances of falling prey to this devastating illness, follow these guidelines from the National Institutes of Health website, which can lower your risk of Alzheimer’s by 60%: • Exercise. Engage in some moderate to vigorous physical activity at least 150 minutes a week to support healthy aging.

• Don’t smoke. It’s good health advice at any age, but studies show that people over 60 who have been smoking for decades can improve their health by kicking the habit.

• Less alcohol. Keeping your consumption of alcohol moderate to light can sustain your cognitive health.

• Healthy diet. The DASH diet (Dietary Approaches to Stop Hypertension) and the MIND diet (Mediterranean Intervention for Neurodegenerative Delay) are recommended.

• Cognitive exercises. Keep your brain sharp as you get older with crosswords, puzzles, sudoku, and the like.

Health care workers are on the front lines. You can support their brave efforts with these suggestions from the Today website: • Send them food. Some companies like Uber and Sweetgreen are delivering free food to health care workers and first responders. You can do the same on an individual basis by sending your favorite doctor and staff a meal using Uber Eats or some other delivery service.

• Donate blood. The American Red Cross reports that hospitals are facing a severe shortage of blood. You can still give blood safely, and it will help health care workers care for the people they’re responsible for.

• Donate to charities. Give some money to charities that support hospitals and health care efforts.

• Don’t hoard supplies. Hospitals and their staffs need all the personal protective equipment they can get. Protect yourself, but not by buying up more masks and other supplies than you really need.

• Say thank you. Be sure to thank doctors and nurses for their work when you see them. A kind word can go a long way.

Don’t overdo it when working from home Working at home can be a blessing and a curse.

The temptation to put in longer hours can lead to exhaustion and burnout. TheStylist website shares these tips: • Take regular breaks. Every hour or so, get away from your computer. Stretch, talk to your spouse or a friend, walk the dog—anything to refresh your mind and keep your body active.

• Keep a simple routine.

Have a schedule for your day—when you’ll start, what major tasks have to be completed by a specific time, and most importantly, when you’ll quit.

• Exercise. Carve some time out of your day for some simple exercise. Yoga, a walk around the block, or even simple meditation can keep your body and mind fresh throughout the day.

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Why the year begins on January 1?

Can you blame Julius Caesar for your New Year’s Day hangover?

Probably not, but the idea of beginning the New Year on Jan. 1 did originate with the first Roman emperor. Caesar designated that day as the new year in 153 B.C. because that’s when Rome’s two ruling consuls were chosen.

various Christian holidays, such as Christmas or Easter.

The so-called Julian calendar remained in standard use throughout the Middle Ages, although many European countries chose to start their calendar year on different days to commemorate

By that time most western European countries had already adopted Jan. 1 as the start of the New Year, but the Gregorian calendar itself was accepted at different times by different nations.

By the 16th century it was clear that the Julian calendar needed to be reformed. Pope Gregory XIII chose a calendar devised by Italian astronomer and philosopher Aloysius Lilius in 1582.

Russia didn’t abandon the Julian calendar for the Gregorian until after the October Revolution in 1917.

HOME REPAIRS: Don’t procrastinate on these Maintaining your abode can be costly, but putting off a needed repair can be even more expensive in the long run. Here are a few problems that should be nipped in the bud: • Water leaks. Any water leak can cause severe damage over time: dry rot, mold, termite infestation, etc.

• Dim lights. If your lights flicker or dim when you open the fridge or use the microwave, it could be due to bad wiring or an overload of appliances on one circuit. Your best bet is to have an electrician update your wiring.

• Air conditioning. Make sure your filters are clean and in good repair. Dirty or missing filters can lead to fire or an air conditioner breakdown. An inexpensive filter can preserve a costly AC system.

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A HIGH POWERED MORTGAGE COMPANY

with a hometown feel

(704) 285-0117 Brad Roche

PROUDLY PROVIDED BY

Element Funding | Regional Manager PRMI | Chairman’s Club NMLS# 135191 400 N. Harbor Place, Suite G Davidson, NC 28036 Office 704-728-0191

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191 Element Funding is a Division of Primary Residential Mortgage, Inc. NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply.

Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.