the ELEMENT in Mortgage Lending

the ELEMENT age Lending in Mortg

2 0 1 9 Q U A R T E R LY E D I T I O N

MORE THAN ENOUGH

INSIDE THIS ISSUE: TOP PRODUCERS WITH A WOW!

A Story of Two Friends

Taking lending to another level of service!

ADVICE for Ultimate Success

SWEET SOUND of your VOICE

HEALTH in the NEWS Millennials take charge

Ashley Rustom

Georgia Mortgage Originator

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Susie Carlton

Florida Mortgage Originator

TOP LOAN ORIGINATOR SPOTLIGHT FOR MORTGAGE EXCELLENCE

About Ashley Ashley Rustom was a top producing real estate agent for five years before moving into the mortgage industry in 2006. She saw a need for mortgage consultants who provide excellent service and moved into home financing to fill that void. Excelling in financing for first-time homebuyers, FHA, VA, USDA and conventional mortgages, her clients and agents know they can rely on her from start to finish!

Ashley Rustom Branch Manager | NMLS# 270223 Direct: 678-410-2348 Office: 770-604-6029 Fax: 678-666-5558 ashleyrustom@elementfunding.com elementfunding.com/arustom 305 E. College Avenue Decatur, GA 30030

A graduate of Georgia State University, Ashley has lived in Conyers most of her life and also was a teacher for a couple of years. She’s known for her high level of organization and prompt communication while also being friendly and approachable. Ashley’s goal with every customer is to not only to close on time, but to also provide excellent service which includes communication throughout the process.

Ashley strives to give her clients and agents a smooth and enjoyable experience, and they gladly refer their friends and family to her!

Every step had a great process, if I had questions you guys had the answer. I would recommend my family and friends. – Karen B. Both Ashlie and Andrea were always very helpful and communicated through every step of the way to make my first time home buying very confident and pleasant. They were always there answering all my questions. They were very prompt In answering my calls or they returned my call right away. I would highly recommend. They have made my home buying an awesome experience. – Laurie R. The team was very pleasant, knowledgeable, patient, understanding, had strong prompt communication and very organized throughout the entire process! Very blessed and thankful for them and all that they did to guide me through a scary uncharted stressful but also exciting time for me! – Ashanti S.

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TOP LOAN ORIGINATOR SPOTLIGHT FOR MORTGAGE EXCELLENCE

About Susie Susie Carlton has worked as a Mortgage Banker in the Central Florida area for more than 26 years and has helped fulfill the dream of home ownership for thousands of customers.

Her dedication to her customers and professional peers, knowledge of finance, and commitment to quality service make the home buying process smooth and hassle free. Superior knowledge of a large variety of loan products place her among the most respected mortgage professionals.

Throughout her professional career, Susie has been the recipient of numerous mortgage banking awards for top sales performance and leadership. Susie is a currently an Elite Circle Member at Element Funding for top production. She is also in the top 10 in the company for her social survey reviews. An advocate of professional and personal development, Susie is a graduate of Lifework’s Leadership and Leadership Orlando. She is a current member of Florida Executive Women, and was President of the organization in 2013. Susie stays on top of mortgage related issues through continuing education, and constant industry monitoring.

Susie Carlton Senior Loan Officer NMLS# 344354 Office: 407.367.5574 Fax: 407.982.7182 scarlton@elementfunding.com 5401 S. Kirkman Road, Suite 490 Orlando, FL 32819

Originally from Ohio, Susie graduated from Miami University in Oxford, Ohio.

She has resided in the Orlando area for 34 years and is active in the nonprofit community, assisting with events for Shepherd’s Hope, Christian Help, The Foundation for Foster Children, Easter Seals, and Grace Medical Home.

Susie and her team were incredible and so helpful throughout our home buying process. We were purchasing the home from out of state so appreciated their constant attention to details and assistance in navigating the process. The videos and materials they have to guide clients through the process are informative and easy to understand. She gave us several options and worked with us to fit our budget. We are so appreciative of Susie and her team! – Bethany B. Everything. Susie and her entire team are wonderful. Responsive, educated, helpful and the best partners when navigating home purchasing. – Amy M. Susie and her team were incredible. I had a very complicated loan situation and we had to work together to come up with different options as my financial situation changed during the approval process. She stuck with it and I was able to hold onto my dream home. I owe it all to her! – Eric L.

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Explore this advice to find

ultimate success

Most of the advice for success you find is familiar and predictable: Work hard, be persistent, network, never stop learning, and so forth.

Here’s some counsel from the Ladders website that may surprise you:

KNOW WHAT YOU WANT. This is seemingly simple advice, but to make it work, you’ve got to dig deep. Don’t just ask yourself once.

The first few answers will be superficial: “I want more money, I want a new car, I want a better job …”

After a while, though, you’ll get to what you’re really looking for: “I want to serve others, I want to make a difference in the world, I want to help people find their inner strength,” or something else. Follow that goal, not the first, most obvious one.

LOOK AT YOUR CROSSROADS. We all remember moments when we made a crucial decision that shaped the rest of our lives.

Go back to one and explore it.

Write down the decision in a few paragraphs, then consider the factors, emotions, events, and concerns that led to that choice.

Would you make the same

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decision today? Why or why not?

This will help you make better career and life decisions in the future.

EXAMINE YOUR HISTORY. Take a long view of your past.

How did you end up where you are now? Who helped you? What failures did you suffer, and what mistakes did you make? What activities consumed most of your time and attention? How have your dreams changed? A thorough understanding of where you came from will help guide you on your path to future success.

More than enough

Star Chicken Dip

Two friends were talking over their aspirations. Both had spent several years at the same company, enjoyed the work and the culture, and made advancements in their careers.

One friend was surprised to hear that the other had recently turned down a big promotion.

He asked, “Are you sure you made the right decision? A move like that could’ve put you on easy street.

Those opportunities don’t come around often.”

“Most people would agree with you,” the friend replied. “But I have a different take on the matter. I believe there is more to life than having a fancy title or a big paycheck.

“There’s a price to be paid for that corner office. Long hours, a lot of travel, and expectations that would require sacrifices I’m not willing to make,” he said.

“The truth of the matter is that I already have my dream job. The money is good, the work is fulfilling, and the work/life balance it provides allows me to always be home in time for dinner. I’ve never missed one of my son’s baseball games, I’ve never left work at the end of the day mentally drained, nor have I ever felt the need to check my email from home.”

“I never thought of it in those terms,” the first friend said.

The other replied, “Most of us spend so much time chasing after success that we don’t recognize what we already have is more than enough.”

Recipe Turn a hot chicken dip into a festive July picnic dish using red and blue colored crackers. It is easy to make this fun Red, White and Blue Dip.

Ingredients

8 ounces cream cheese, so ftened 1 cup Miracle Whip (or ma yonnaise) 1 teaspoon lemon juice 1 teaspoon Worcestershire sauce 1 can (12 ounces) chunk ch icken breast 6 crackers (pale in color), plus more for serving red and blue food coloring

Directions Preheat your oven to 350 degrees.

Beat cream cheese until smooth and creamy. Beat in Miracle Whip, lemon juice, Worcestershire sauce and chicken until well combined.

Spread into a shallow 8-inch round baking dish.

Crush crackers into crumbs. Divide into two small zip top bags. Add 5 drops of red coloring into one bag and shake the bake and knead the color into the

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crumbs, adding more color until you get a nice vibrant red.

Repeat with the blue.

Arrange a variety of star shaped cookies cutters on top of the chicken dip.

Sprinkle the colored cookie crumbs inside the walls of each cookie cutter, making some blue and some red.

Bake for about 15 minutes, just until the dip is hot.

Health in the News Millennials take charge of their health care Millennials and Gen Xers take their health seriously, but they don’t rely on the same tactics their elders have used over the years. The Forbes magazine website shares how the generation handles health care its own way:

They want digital access to health care services.

With their smartphones and tablets, millennials want to take advantage of patient portals and video chats instead of in-person visits to the doctor.

They’d also like a digital app to book appointments, review their health records, and manage preventive care.

They seek information from more than doctors.

They’re more likely to seek medical advice online than to rely on doctors for all their health information.

One survey found that only 41% trust physicians as the best source of medical advice.

They want to orchestrate their own care.

Only 67% of millennials have a primary care provider, compared with 85% of baby boomers. Instead of waiting days or weeks to see a

doctor, about one-third go to retail clinics.

They’re also more likely to make their own medical decisions rather than depending on their doctor as their sole source of counsel.

Prevent disability with one hour of exercise a week More evidence, in case you wanted it, that exercise is good for you: The CNN website reports that a study on knee osteoarthritis, which causes aching, pain, and/ or stiffness in the lower extremities, has found that just one hour of moderate to vigorous exercise a week can reduce the chance of disability.

The study looked at patients 49–83 who were considered disability-free despite some lower joint problems.

The patients’ physical activity was monitored with accelerometers.

Over four years, researchers found, participants who got at least 56 minutes of moderate to vigorous exercise a week were 86% less likely to grow mobility-impaired than others who got less exercise.

The findings are important for people with early osteoarthritis, who can experience occasional pain, stiffness, or weakness in the joint as the cartilage that covers bones wears down with age.

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Electric zap may reverse memory loss in Seniors A mild jolt of electricity might improve memory in older people, according to an article on the U.S. News & World Report website.

Working memory declines as we age because brain regions fall out of sync with each other.

Researchers at Boston University devised a special EEG cap that delivers electrical stimulation to the neocortex and frontal lobes, to synchronize brain waves.

They tested the caps, which produce a slight tingling sensation, in 42 participants age 54–76 who were asked to perform working memory activities on separate days, sometimes with the cap and sometimes without it.

With the caps delivering electrical stimulation, participants’ working memory improved to the level of a control group of adults 20–29.

The sweet sound of your voice The sweet sound of your voice According to Amy Andrews, a board-certified music therapist, “Singing is one of a parent’s natural superpowers.” Andrews shares this message and her gift of song in the Neonatal Intensive Care Unit (NICU) of Sharp Mary Birch Hospital for Women and Newborns in San Diego.

Bolstering this claim is research suggesting many advantages serenading will have for your infant’s emotional well-being. Your voice is soothing to your baby.

Singing helps parents respond to their infants’ cues and bond with them. Singing also creates the foundation for language development and communication.

For parents, singing or humming to a critically ill newborn can relieve anxiety. For infants, shorter NICU stays are common, as well as improved vital signs and weight gain. “Singing enhances the parent-to-baby bond that is so essential for an infant to thrive,” says Andrews.

Sing your baby a lullaby even if you think you can’t carry a tune. Your baby will fall asleep in your arms, and the beauty of the moment will remind you of all that is important in the world.

Why daydreaming is good for you VISUALIZATION. Use your daydreams to go into detail about goals so you can identify possibilities.

PROBLEM SOLVING. You can’t always attack a problem with logic and brute force. Spend some time letting your mind roam.

Daydreaming relaxes you and reduces stress, you may spot a solution you’d otherwise miss.

PRODUCTIVITY. Some people think daydreaming is a waste of time, but it can be a powerful tool for sharpening your creativity. The Entrepreneur magazine website spells out why:

MOTIVATION. Daydreaming about something you’d like to do can increase your motivation to go out and do it. It helps you visualize your goals and structure your thoughts.

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This may seem counterintuitive, but daydreams can help you focus.

By daydreaming about a problem or opportunity, you give your brain a chance to concentrate on your goal without clutter or pressure.

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A HIGH POWERED MORTGAGE COMPANY

with a hometown feel

www.ElementFunding.com Primary Residential Mortgage, Inc., DBA Element Funding, 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. Georgia Department of Banking and Finance 6521. Florida Office of Financial Regulation MLD646.