The Dream Team 1 at HomeSmart Realty Advisors
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BANK
This section has been created to give you easier access when searching for a trusted real estate a liate. Take a minute to familiarize yourself with the businesses sponsoring your magazine. These local businesses are proud to partner with you and make this magazine possible. Please support these businesses and thank them for supporting the REALTOR® community!
This section has been created to give you easier access when searching for a trusted real estate a liate. Take a minute to familiarize yourself with the businesses sponsoring your magazine.
These local businesses are proud to partner with you and make this magazine possible. Please support these businesses and thank them for supporting the REALTOR® community!
BANK
TD Bank
TD Bank
Scott Lindner (845) 553-0869 www.td.com
Scott Lindner (845) 553-0869 www.td.com
BARBER AND SHAVE SHOP
DAYCARE
DAYCARE
New Achievers Academy Anusha Perales (215) 437-7071 www.newachievers academy.com
BARBER AND SHAVE SHOP
Blueprint Barber Lounge Isaias Perales (856) 628-2541 blueprintbarberlounge@ gmail.com
Blueprint Barber Lounge Isaias Perales (856) 628-2541 blueprintbarberlounge@ gmail.com
CIGAR LOUNGE
CIGAR LOUNGE
The Mobile Cigar Lounge Joey Mac Dizon (201) 618-7776 www.themobilecigar lounge.com
The Mobile Cigar Lounge Joey Mac Dizon (201) 618-7776 www.themobilecigar lounge.com
CLEANING SERVICE
3K Cleaning Service LLC Kaleandra Vicks (267) 566-8896 kally3kclean@gmail.com
3K Cleaning Service LLC Kaleandra Vicks (267) 566-8896 kally3kclean@gmail.com
CONSIGNMENT / FURNITURE
CONSIGNMENT / FURNITURE
Uhuru Furniture & Collectibles Ruby Gittelsohn (215) 546-9616 x3 uhurufurniturephill. blogspot.com
Uhuru Furniture & Collectibles Ruby Gittelsohn (215) 546-9616 x3 uhurufurniturephill. blogspot.com
CREDIT REPAIR
Trinity Solutions USA James Sacchetti (609) 385-9570 www.trinitysolutionsusa.com
New Achievers Academy Anusha Perales (215) 437-7071 www.newachievers academy.com
GIFTS
GIFTS
Legacy Branding Gifts / Cutco Closing Gifts Lindsay Musser (717) 575-0975 lindsay@legacy brandinggifts.com
Legacy Branding Gifts / Cutco Closing Gifts Lindsay Musser (717) 575-0975 lindsay@legacy brandinggifts.com
Savvy Custom Gifts Katie Taylor (610) 427-8142 katie@thesavvygiftgiver.com
HOME WARRANTY
HOME WARRANTY
Cinch Home Services (410) 730-7423 CinchRealEstate.com
Cinch Home Services (410) 730-7423 CinchRealEstate.com
INSURANCE AGENT
Goosehead Insurance Lee Plummer (215) 888-9984 goosehead.com/ Lee-Plummer
INSURANCE AGENT Goosehead Insurance Lee Plummer (215) 888-9984 goosehead.com/ Lee-Plummer
Judd P. Greenberg State Farm Insurance Judd Greenberg (215) 732-5400 www.insurancephilly.com
Savvy Custom Gifts Katie Taylor (610) 427-8142 katie@thesavvygiftgiver.com
HARD MONEY LENDER
HARD MONEY LENDER
Easy Street Capital Joshua Brandt (267) 728-7622 www.easystreetcap.com
Easy Street Capital Joshua Brandt (267) 728-7622 www.easystreetcap.com
HOME INSPECTION
HOME INSPECTION
Eagle Inspections LLC Eric Schardinger (267) 538-2292 www.eagleinspection spa.com
Eagle Inspections LLC Eric Schardinger (267) 538-2292 www.eagleinspection spa.com
Two Rivers Inspections LLC Michael McKinney (267) 225-8752 www.tworivers inspections.com
Trinity Solutions USA James Sacchetti (609) 385-9570 www.trinitysolutionsusa.com
Two Rivers Inspections LLC Michael McKinney (267) 225-8752 www.tworivers inspections.com
HOME RENOVATION Curbio (810) 300-9432 Curbio.com
HOME RENOVATION
Curbio (810) 300-9432 Curbio.com
Judd P. Greenberg State Farm Insurance Judd Greenberg (215) 732-5400 www.insurancephilly.com
LRG Insurance Services Adam Rothberg (610) 828-4640 www.LRGinsure.com
LRG Insurance Services Adam Rothberg (610) 828-4640 www.LRGinsure.com
MORTGAGE BROKER Go Magnum Loans Christian Best (215) 987-4128 christian@gomagnum loans.com
MORTGAGE BROKER
Go Magnum Loans Christian Best (215) 987-4128 christian@gomagnum loans.com
MORTGAGE LENDER Crown Home Mortgage Rick Riddle (973) 479-4682 crownhm.com
MORTGAGE LENDER
Crown Home Mortgage Rick Riddle (973) 479-4682 crownhm.com
Lending Capital Group Susan Terra-Podio (267) 767-5759 stpodio.com
Lending Capital Group Susan Terra-Podio (267) 767-5759 stpodio.com
Mortgage Mom at Greentree Mortgage Co LP Deanne Katsaros (609) 605-7153 www.mortgagemom.net
Mortgage Mom at Greentree Mortgage Co LP Deanne Katsaros (609) 605-7153 www.mortgagemom.net
MARKETING AGENCY
CREATE BY INFLUENCE
Nicholas Lalwani (856) 571-8004 x7 www.createbyinfluence.com
MEDIA
MARKETING AGENCY CREATE BY INFLUENCE Nicholas Lalwani (856) 571-8004 x7 www.createbyinfluence.com MEDIA TheTVTruck.com Paul Catagnus (215) 570-2298 www.thetvtruck.com
TheTVTruck.com Paul Catagnus (215) 570-2298 www.thetvtruck.com
MENSWEAR AND FORMAL WEAR
MENSWEAR AND FORMAL WEAR
Domenico Formal Wear and Custom Tailoring Michael Anthony (215) 331-6757
Prosperity Home Mortgage April Alexander (202) 579-6847 www.phmloans.com
Prosperity Home Mortgage April Alexander (202) 579-6847 www.phmloans.com
Quaint Oak Mortgage Patrick Lopez (267) 800-2132 plopez@quaintoak.com
Quaint Oak Mortgage Patrick Lopez (267) 800-2132 plopez@quaintoak.com
The Mortgage Collective Josh Giddings (856) 287-2532 www.themtgcollective.com
Domenico Formal Wear and Custom Tailoring Michael Anthony (215) 331-6757
The Mortgage Collective Josh Giddings (856) 287-2532 www.themtgcollective.com
NOTARY
NOTARY
Sankofa Signings: Real Estate Notary Services
Khalia Lu (215) 987-2802 www.facebook.cm/ sankofasignings
Sankofa Signings: Real Estate Notary Services Khalia Lu (215) 987-2802 www.facebook.cm/ sankofasignings
OFFICE SPACE/ CO WORKING
OFFICE SPACE/ CO WORKING
Billy Penn Studios / Penn’s Treaty Co-working Joe Gruber (215) 845-5323 www.billypennstudios.com www.pennstreaty.com
Billy Penn Studios / Penn’s Treaty Co-working Joe Gruber (215) 845-5323 www.billypennstudios.com www.pennstreaty.com
PEST CONTROL Bug N Out Nicholas Egan (215) 331-6318 bugnout.net@gmail.com
PEST CONTROL Bug N Out Nicholas Egan (215) 331-6318 bugnout.net@gmail.com
PHOTO BOOTH/EVENT ENTERTAINMENT
PHOTO BOOTH/EVENT ENTERTAINMENT
Celebrating The Bounce Back LLC Andrea Duren (610) 715-7494 celebratingthebb productions.bet
Celebrating The Bounce Back LLC Andrea Duren (610) 715-7494 celebratingthebb productions.bet
PHOTOGRAPHY
PHOTOGRAPHY
Berridge Photography, LLC Ryan Berridge (267) 930-1857 ryan@berridge photography.com
Berridge Photography, LLC Ryan Berridge (267) 930-1857 ryan@berridge photography.com
Bryant Sanders Photography Bryant Sanders (267) 230-5488 www.bryantsanders.com
REAL ESTATE PHOTOGRAPHY
REAL ESTATE PHOTOGRAPHY
Perspective Media LLC Christian Powell (267) 227-0074 www.perspective mediaco.com
Perspective Media LLC Christian Powell (267) 227-0074 www.perspective mediaco.com
TITLE COMPANY
TITLE COMPANY
Modern Abstract Company Tamara Ferguson, tamara@ themodernclosing.com (412) 874-8437
Modern Abstract Company Tamara Ferguson, tamara@ themodernclosing.com (412) 874-8437
Quick Abstract LLC Keesha White (267) 250-0742 www.quickabstract.com
Bryant Sanders Photography Bryant Sanders (267) 230-5488 www.bryantsanders.com
Hailey Photography LLC Talya Hailey McCaulley (267) 760-7089 www.haileyphotography.com
Hailey Photography LLC Talya Hailey McCaulley (267) 760-7089 www.haileyphotography.com
Quick Abstract LLC Keesha White (267) 250-0742 www.quickabstract.com
Walnut Street Closings, LLC
Stephanie Chiacchio (267) 566-4928 stephanie@ walnutstreetclosings.com
Walnut Street Closings, LLC Stephanie Chiacchio (267) 566-4928 stephanie@ walnutstreetclosings.com
TRANSACTION COORDINATOR
TRANSACTION COORDINATOR
Cadman Business Solutions Sarah Cadman (724) 766-2779 sarah@cadmanbusiness solutions.com
Cadman Business Solutions Sarah Cadman (724) 766-2779 sarah@cadmanbusiness solutions.com
VOICE-OVER DUFFINMEDIA
VOICE-OVER DUFFINMEDIA
John Du n (215) 280-5426 jd@du nmedia.com
John Du n (215) 280-5426 jd@du nmedia.com
You may think you know Bruno and Stacie Marcinkowski. They are actively involved in their community and on social media. Perhaps you were inspired by Stacie’s “Rising Star” story (July 2019) or enjoyed their love- and hope-filled “Power Couple” story (February 2021). You may have even voted for them at the RP Awards Gala, where they won four awards. Now we are celebrating the teamwork between these top-producing REALTORS® and Real Producers preferred partners and how it creates mutual success!
You may think you know Bruno and Stacie Marcinkowski. They are actively involved in their community and on social media. Perhaps you were inspired by Stacie’s “Rising Star” story (July 2019) or enjoyed their love- and hope-filled “Power Couple” story (February 2021). You may have even voted for them at the RP Awards Gala, where they won four awards. Now we are celebrating the teamwork between these top-producing REALTORS® and Real Producers preferred partners and how it creates mutual success!
The Philadelphia natives had met through mutual friends 25 years prior and reconnected in 2017. At the age of 24, Bruno had purchased his first pool hall, Boulevard Billiards, gaining experience purchasing and selling commercial real estate. In his late ‘30s, he pursued a second career in IT security. In the meantime, Stacie had worked in the legal field for 24 years, achieving her final role as director of operations.
The Philadelphia natives had met through mutual friends 25 years prior and reconnected in 2017. At the age of 24, Bruno had purchased his first hall, Boulevard Billiards, gaining experience purchasing and selling commercial real estate. In his late ‘30s, he pursued a second career in IT security. In the meantime, Stacie had worked in the legal field for 24 years, achieving her final role as director of operations.
In 2015, Stacie entered the world of real estate. Although she did not have any sales experience, she had a desire to serve her community of Port Richmond. As a solo agent, Stacie closed $2 million in sales in her first year.
In 2015, Stacie entered the world of real estate. Although she did not have any sales experience, she had a desire to serve her community of Port Richmond. As a solo agent, Stacie closed $2 million in sales in her first year.
During Stacie’s third year of continued growth in the real estate field, she had a vision to form her own team and wanted Bruno, her soon-to-be husband, to be her first teammate. This inspired Bruno to become a licensed agent, and the pair created The Dream Team 1.
During Stacie’s third year of continued growth in the real estate field, she had a vision to form her own team and wanted Bruno, her soon-to-be husband, to be her first teammate. This inspired Bruno to become a licensed agent, and the pair created The Dream Team 1.
They married in October 2019. Stacie and Bruno each focused on their own strengths and wisely leveraged them to their business’ advantage. Bruno created and currently maintains their business website, social media marketing. The couple both focus on their buyers and sellers, while Stacie’s expertise is in strategy and contract work, finalizing every deal.
They married in October 2019. Stacie and Bruno each focused on their own strengths and wisely leveraged them to their business’ advantage. Bruno created and currently maintains their business website, social media marketing. The couple both focus on their buyers and sellers, while Stacie’s expertise is in strategy and contract work, finalizing every deal.
Their impact as a couple doubled their sales volume. In 2021, Bruno and Stacie returned from their
Their impact as a couple doubled their sales volume. In 2021, Bruno and Stacie returned from their
Florida trip with new goals and renewed hope. They have since then added additional agents, Joseph Guaglione, Kimberly Rudolph and Louise Akaezoua, and their team volume reached near $30 million. This pushed them to the top of the ranks with HomeSmart Realty Advisors.
Florida trip with new goals and renewed hope. They have since then added additional agents, Joseph Guaglione, Kimberly Rudolph and Louise Akaezoua, and their team volume reached near $30 million. This pushed them to the top of the ranks with HomeSmart Realty Advisors.
WORK HARD, LOVE HARD
“Our love is for real estate, and our fire is for one another,” smiled Bruno. “I always hold the door open for Stacie. I call her my queen because that is really who she is to me. She can multitask so well and is so nurturing that I can do what men were created to do: protect, provide and love.”
“Our love is for real estate, and our fire is for one another,” smiled Bruno. “I always hold the door open for Stacie. I call her my queen because that is really who she is to me. She can multitask so well and is so nurturing that I can do what men were created to do: protect, provide and love.”
The couple keeps their love fresh and alive by renewing their vows with the same priest in a di erent state each year. During the beginning of the pandemic, the couple had traveled to Southwest Florida. When their stay was extended to eight weeks, the pair took the opportunity to
The couple keeps their love fresh and alive by renewing their vows with the same priest in a di erent state each year. During the beginning of the pandemic, the couple had traveled to Southwest Florida. When their stay was extended to eight weeks, the pair took the opportunity to
start learning about Florida real estate and connecting virtually with agents around the country.
start learning about Florida real estate and connecting virtually with agents around the country.
Six months after the pandemic, the couple bought their first home in Cape Coral, FL, and turned it into an Airbnb. Later, when the right opportunity presented itself, their Florida house turned into their first flip!
Six months after the pandemic, the couple bought their first home in Cape Coral, FL, and turned it into an Airbnb. Later, when the right opportunity presented itself, their Florida house turned into their first flip!
With the success of their first investment, they have continued to purchase additional properties that add to their Airbnb portfolio. They set goals of becoming the go-to REALTORS® in every state, creating a type of “limitless realty.” They want to be a conduit, to capture referrals, make connections and establish relationships. They are both working on earning their Florida broker’s licenses and are excited about the future.
With the success of their first investment, they have continued to purchase additional properties that add to their Airbnb portfolio. They set goals of becoming the go-to REALTORS® in every state, creating a type of “limitless realty.” They want to be a conduit, to capture referrals, make connections and establish relationships. They are both working on earning their Florida broker’s licenses and are excited about the future.
One of Bruno and Stacie’s favorite places to be is on the water. Bruno has set a goal to obtain his Yacht Broker and Captain’s License. This will enable him to sell boats and would even allow the couple to enjoy chartering families on sunset cruises in the Gulf.
One of Bruno and Stacie’s favorite places to be is on the water. Bruno has set a goal to obtain his Yacht Broker and Captain’s License. This will enable him to sell boats and would even allow the couple to enjoy chartering families on sunset cruises in the Gulf.
“Work is not hard; people are hard!” quipped Bruno. “REALTORS® exist to serve our community. We are all on the same team, no matter what brokerage we are connected to.”
“Work is not hard; people are hard!” quipped Bruno. “REALTORS® exist to serve our community. We are all on the same team, no matter what brokerage we are connected to.”
Echoing his sentiments, Stacie said, “REALTORS® have a common goal. We should be cooperating agents. We can go so much farther when we work together with other agents and with real estate vendors! I know that my business really started taking o , and I truly experienced success,
Echoing his sentiments, Stacie said, “REALTORS® have a common goal. We should be cooperating agents. We can go so much farther when we work together with other agents and with real estate vendors! I know that my business really started taking o , and I truly experienced success,
after I connected with Real Producers and their preferred partners.”
Bruno and Stacie love their vendors, including Home Point Inspections, photographer and videographers, Bryant Sanders and Christian Powell, Andrea Duren with Celebrating the Bounce Back 360 Photo Solutions and Je Tinney from Home Team Mortgage. Each of these individuals is part of their team and were connections made through Real Producers events.
“When you work with the Real Producers team, everyone succeeds, and everyone wins!” Stacie smiled. “And we are proud to say that over 90% of our business is from organic referrals and our sphere of influence.”
Bruno shared, “We know that the businesses that are connected with Real Producers are going to deliver good results, on time, with value. That is how we do business, and that is what we want our extended team to be like, too. Every relationship in your life should be reciprocal.”
Because relationships are so important to Stacie and Bruno, The Dream Team 1 texts and calls clients as friends rather than utilizing email drips. The community can tell they have fun through their authentic marketing style on- and o ine. They have unique and meaningful client appreciation and team events. Bruno and Stacie have created numerous agent and business partnerships in multiple states. The Dream Team 1 is giving and receiving referrals far beyond Pennsylvania, New Jersey and Florida.
Bruno shared, “Our lives are about love for each other and love for others, and
kindness is the new cool. We go ‘all in’ in everything we do, and we try to be positive, and work hard, to make things better. Instead of saying ‘I have to ...’ we say ‘I get to ...’ because the words you use help shape your mindset. We pray before every meal, and we’re working hard to bring God, family, respect and chivalry back into social media and our workplace.”
kindness is the new cool. We go ‘all in’ in everything we do, and we try to be positive, and work hard, to make things better. Instead of saying ‘I have to ...’ we say ‘I get to ...’ because the words you use help shape your mindset. We pray before every meal, and we’re working hard to bring God, family, respect and chivalry back into social media and our workplace.”
“Anyone can sell houses,” Stacie explained. “We build trust with our clients and preferred partner vendors. They are not just a number. We give them 100% service because that is what they deserve. We are excited to celebrate the relationships we have established and the progress we have made. Connecting with people through Real Producers has been an integral part of our team success. We have built real relationships that have led to referrals that we pass back and forth to each other. Let’s normalize helping each other succeed in our industry and our communities!”
“Anyone can sell houses,” Stacie explained. “We build trust with our clients and preferred partner vendors. They are not just a number. We give them 100% service because that is what they deserve. We are excited to celebrate the relationships we have established and the progress we have made. Connecting with people through Real Producers has been an integral part of our team success. We have built real relationships that have led to referrals that we pass back and forth to each other. Let’s normalize helping each other succeed in our industry and our communities!”
The Dream Team 1 wants to extend special thanks to the following: Kerri Camm makeup; Joseph Andris, owner of L.K. Trendsetters; Michael of Domenico’s Formal Wear; and Bill Kratz, broker/owner, and Robert Foglio, owner/operator of HomeSmart Realty Advisors.
The Dream Team 1 wants to extend special thanks to the following: Kerri Camm makeup; Joseph Andris, owner of L.K. Trendsetters; Michael of Domenico’s Formal Wear; and Bill Kratz, broker/owner, and Robert Foglio, owner/operator of HomeSmart Realty Advisors.
Lastly, with emotion, the couple adds, “We love, support and pray for our family, friends and community of Cape Coral and all of Southwest Florida as we’re all still trying to pick up the pieces a er Hurricane Ian.”
Lastly, with emotion, the couple adds, “We love, support and pray for our family, friends and community of Cape Coral and all of Southwest Florida as we’re all still trying to pick up the pieces a er Hurricane Ian.”
OUR LOVE IS FOR REAL ESTATE, AND OUR FIRE IS FOR ONE ANOTHER.
Written by: RP Sta Photography by: Hailey Photography
Written by: RP Sta Photography by: Hailey Photography
The Philadelphia REALTORS® Lunch & Learn Event, organized by TD Bank and co-hosted by Affordable Housing Centers of PA and representatives from the city of Philadelphia’s Down Payment Assistance Program, was more than expected and very informative. The collaboration demonstrated by the community-based organizations, TD Bank and the other participants was nothing short of inspiring. Agents learned invaluable information that can help them serve as the connectors between buyers and the resources they need.
The Philadelphia REALTORS® Lunch & Learn Event, organized by TD Bank and co-hosted by Affordable Housing Centers of PA and representatives from the city of Philadelphia’s Down Payment Assistance Program, was more than expected and very informative. The collaboration demonstrated by the community-based organizations, TD Bank and the other participants was nothing short of inspiring. Agents learned invaluable information that can help them serve as the connectors between buyers and the resources they need.
“The focus of our Lunch & Learn was information, inspiration, communication and connection with local real estate agents,” shared TD Bank National Sales Director Scott Lindner. “Philadelphia is a market where we want to continue helping more people realize the dream of homeownership. We hope REALTORS® had the chance to learn more about our product o erings so they can share these a ordable options with their clients. Ultimately, this will open new opportunities for all consumers to access homeownership and build wealth.”
“The focus of our Lunch & Learn was information, inspiration, communication and connection with local real estate agents,” shared TD Bank National Sales Director Scott Lindner. “Philadelphia is a market where we want to continue helping more people realize the dream of homeownership. We hope REALTORS® had the chance to learn more about our product o erings so they can share these a ordable options with their clients. Ultimately, this will open new opportunities for all consumers to access homeownership and build wealth.”
TD Bank is fulfilling the vision to be “America’s most convenient bank” as a trusted part of the community for over 150 years. As one of the top 10 largest banks in the U.S., they provide retail and commercial banking, as well as corporate and specialty banking, wealth management and auto financing.
TD Bank is fulfilling the vision to be “America’s most convenient bank” as a trusted part of the community for over 150 years. As one of the top 10 largest banks in the U.S., they provide retail and commercial banking, as well as corporate and specialty banking, wealth management and auto financing.
The TD Bank corporate team shared that they are committed to delivering everything customers would expect from a bank, plus everything they wouldn’t. They are dedicated to their customers, communities and colleagues, to inclusion and diversity, and to our environment. They also have an intense focus on always being more customer-centric, more convenient and more unexpectedly human than any other bank.
The TD Bank corporate team shared that they are committed to delivering everything customers would expect from a bank, plus everything they wouldn’t. They are dedicated to their customers, communities and colleagues, to inclusion and diversity, and to our environment. They also have an intense focus on always being more customer-centric, more convenient and more unexpectedly human than any other bank.
Executive Director Kenneth Bigos shared that the mission and vision of the A ordable Housing Centers of PA (AHCOPA) is to “increase and preserve homeownership for low- to moderate-income households and communities of color, building wealth and legacy for future generations.” They do this through various guidance services, weekly workshops, eviction prevention and rental assistance programs that are provided at no cost.
Executive Director Kenneth Bigos shared that the mission and vision of the A ordable Housing Centers of PA (AHCOPA) is to “increase and preserve homeownership for low- to moderate-income households and communities of color, building wealth and legacy for future generations.” They do this through various guidance services, weekly workshops, eviction prevention and rental assistance programs that are provided at no cost.
Mike Dodds, policy and program manager of the city of Philadelphia Down Payment Assistance Program, informed attendees of three grants available to residents, including Philly First Home, K-FIT (Keystone Forgivable In Ten, which is available through the Pennsylvania Housing Finance Agency), and also lender-spe cific grants.
Mike Dodds, policy and program manager of the city of Philadelphia Down Payment Assistance Program, informed attendees of three grants available to residents, including Philly First Home, K-FIT (Keystone Forgivable In Ten, which is available through the Pennsylvania Housing Finance Agency), and also lender-specific grants.
TD Bank Mortgage Sales Manager
Lillian Hernandez presented four a ordable mortgage options during the Lunch & Learn: TD Right Step Mortgage®, TD Home Access Mortgage, HomeReady® and FHA. She also shared more information about the accessibility of down payment assistance programs and encouraged REALTORS® to educate their clients on the impact it could have on closing costs.
Lillian Hernandez presented four a ordable mortgage options during the Lunch & Learn: TD Right Step Mortgage®, TD Home Access Mortgage, HomeReady® and FHA. She also shared more information about the accessibility of down payment assistance programs and encouraged REALTORS® to educate their clients on the impact it could have on closing costs.
“The combination of down payment assistance and TD’s a ordable mortgage products makes homeownership much more tangible,” said Hernandez. “These programs could mean the di erence between a ‘not-ready-now client’ that has limited savings and ensuring a client feels comfortable and confident moving forward in the homebuying process.”
“The combination of down payment assistance and TD’s a ordable mortgage products makes homeownership much more tangible,” said Hernandez. “These programs could mean the di erence between a ‘not-ready-now client’ that has limited savings and ensuring a client feels comfortable and confident moving forward in the homebuying process.”
Real estate coach and consultant Scott Einbinder shared some e ective
Real estate coach and consultant Scott Einbinder shared some e ective
ways that top agents can expand their real estate business in an ever-changing market, such as being alert to FSBO, expired listings, short sales and absentee owners, and stressed the importance of connecting with homeowners. He demonstrated new and e ective ways to earn great listings and discussed the importance of communication about commission and pricing strategies.
ways that top agents can expand their real estate business in an ever-changing market, such as being alert to FSBO, expired listings, short sales and absentee owners, and stressed the importance of connecting with homeowners. He demonstrated new and e ective ways to earn great listings and discussed the importance of communication about commission and pricing strategies.
Scott Lindner and Bill Westdyk, the TD Bank regional mortgage sales manager, concluded the event by summarizing best practices as well as encouraging agents to educate and empower their clients and communities. Lindner, Westdyk and other TD colleagues closed the event with networking, imparting wisdom and guidance to attendees.
Scott Lindner and Bill Westdyk, the TD Bank regional mortgage sales manager, concluded the event by summarizing best practices as well as encouraging agents to educate and empower their clients and communities. Lindner, Westdyk and other TD colleagues closed the event with networking, imparting wisdom and guidance to attendees.
Many agents verbalized that they learned new and valuable information about the tools, resources and options that are available for their clients. The resources shared will help REALTORS® feel that they are part of an even more successful and a ordable homebuying process.
Many agents verbalized that they learned new and valuable information about the tools, resources and options that are available for their clients. The resources shared will help REALTORS® feel that they are part of an even more successful and a ordable homebuying process.
Lillian is a hope dealer with 23 years of leadership and sales experience in the mortgage industry. She wants to help every potential homeowner, and she knows that teaming up with top REALTORS® is one of the best ways to do so. Top agents can help clients understand all the options or connect their clients to the TD Bank mortgage loan o cers, or any of the community-based organizations represented at the event, to enrich the lives and legacies of community members.
Lillian is a hope dealer with 23 years of leadership and sales experience in the mortgage industry. She wants to help every potential homeowner, and she knows that teaming up with top REALTORS® is one of the best ways to do so. Top agents can help clients understand all the options or connect their clients to the TD Bank mortgage loan o cers, or any of the community-based organizations represented at the event, to enrich the lives and legacies of community members.
“TD Right Step Mortgage® and TD Home Access Mortgage don’t require borrower-paid mortgage insurance,
“TD Right Step Mortgage® and TD Home Access Mortgage don’t require borrower-paid mortgage insurance,
which can save hundreds of dollars when purchasing a home!” said Hernandez. “Plus, these programs are available to any buyer, not just firsttime buyers, if they meet the program parameters. So, by informing REALTORS® about these great o er ings, we are empowering borrowers and providing hope — I believe there truly is a loan for everyone.”
which can save hundreds of dollars when purchasing a home!” said Hernandez. “Plus, these programs are available to any buyer, not just firsttime buyers, if they meet the program parameters. So, by informing REALTORS® about these great o erings, we are empowering borrowers and providing hope — I believe there truly is a loan for everyone.”
TD Bank, America’s Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, MidAtlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., o ers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also o er customized pri vate banking and wealth management services through TD Wealth®.
TD Bank, America’s Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, MidAtlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., o ers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also o er customized private banking and wealth management services through TD Wealth®.
For more information, contact a local loan mortgage loan officer using the number in the Real Producers Preferred Partner Index or the ad in this publication.
For more information, contact a local loan mortgage loan officer using the number in the Real Producers Preferred Partner Index or the ad in this publication.
When it’s time for your next "$Million Dollar Listing", Closing, or critically important business presentation- reach your Communications, so that you will…Crush your 2023!
When it’s time for your next "$Million Dollar Listing", Closing, or critically important business presentation- reach your Communications, so that you will…Crush your 2023!
Cody Minnig is a second-generation REALTOR® by choice, not convenience. He and the HomeFound team are building a “mini community” of people who want to find their home and make the world a better place in the beach, burbs and the city.
Cody Minnig is a second-generation REALTOR® by choice, not convenience. He and the HomeFound team are building a “mini community” of people who want to find their home and make the world a better place in the beach, burbs and the city.
Both of Cody Minnig’s parents worked in the real estate industry. His father, a former agent, had transferred to the mortgage industry, and his mother was a driven REALTOR®. They were living examples of diligence and service to others.
explained. “I don’t remember a time where there wasn’t talk about real estate at home. I thought it was interesting for them, but my future plans always involved sports.”
explained. “I don’t remember a time where there wasn’t talk about real estate at home. I thought it was interesting for them, but my future plans always involved sports.”
As a teen, Cody did some landscaping. However, he discovered that his favorite part about the job was interacting with the customers. He loved creating a plan with them and then hearing their feedback after he carried it out.
Both of Cody Minnig’s parents worked in the real estate industry. His father, a former agent, had transferred to the mortgage industry, and his mother was a driven REALTOR®. They were living examples of diligence and service to others.
“My dad taught my mom about real estate before he started working in the mortgage industry, and now she has been in real estate for 34 years,” Cody
“My dad taught my mom about real estate before he started working in the mortgage industry, and now she has been in real estate for 34 years,” Cody
As a teen, Cody did some landscaping. However, he discovered that his favorite part about the job was interacting with the customers. He loved creating a plan with them and then hearing their feedback after he carried it out.
His physical ability and discipline garnered him a track and field scholarship to Penn State. After he su ered some minor injuries, Cody realized the wisdom of choosing a career that was more
His physical ability and discipline garnered him a track and field scholarship to Penn State. After he su ered some minor injuries, Cody realized the wisdom of choosing a career that was more
long-term. However, his managerial internship didn’t seem like the best fit either. Cody respected his parents, but Cody wasn’t interested in mortgage or real estate. He enjoyed photography, but that was more like a hobby.
long-term. However, his managerial internship didn’t seem like the best fit either. Cody respected his parents, but Cody wasn’t interested in mortgage or real estate. He enjoyed photography, but that was more like a hobby.
LIGHTBULB
LIGHTBULB
During his senior year of college, Cody helped his mom with a house flip. One day, something “clicked.” He was suddenly struck by how much his mom enjoyed her career and how truly energized she was by being so hands-on. He thought about his passion for connecting with people in meaningful ways and realized that he could do that through real estate.
my own name. I felt stressed out. I didn’t realize that in my attempt to ‘do it myself,’ I was actually cutting myself o from the help and support of my mom and the KW team. I was as unsuccessful as a sprinter trying to run a relay race by himself. I didn’t have the endurance for the long haul, nor did I have the partnerships I needed to be successful. Thankfully, I soon learned my lesson and started collaborating!”
my own name. I felt stressed out. I didn’t realize that in my attempt to ‘do it myself,’ I was actually cutting myself o from the help and support of my mom and the KW team. I was as unsuccessful as a sprinter trying to run a relay race by himself. I didn’t have the endurance for the long haul, nor did I have the partnerships I needed to be successful. Thankfully, I soon learned my lesson and started collaborating!”
That was four years ago. Now Cody is proud and thankful to give and receive help any time it is needed. He can see and feel the growth in his confidence and e ciency, and his clients are experiencing the benefit of his collaboration with others. In 2022 Cody was able to help more than 20 families, which is three times the number of families that he was previously able to assist.
That was four years ago. Now Cody is proud and thankful to give and receive help any time it is needed. He can see and feel the growth in his confidence and e ciency, and his clients are experiencing the benefit of his collaboration with others. In 2022 Cody was able to help more than 20 families, which is three times the number of families that he was previously able to assist.
Cody is excited about being on the two-agent HomeFound team with his mother, Lisa Longenbach. You can read her story in this month’s issue of Bucks County Real Producers (available online).
During his senior year of college, Cody helped his mom with a house flip. One day, something “clicked.” He was suddenly struck by how much his mom enjoyed her career and how truly energized she was by being so hands-on. He thought about his passion for connecting with people in meaningful ways and realized that he could do that through real estate.
Cody earned his REALTOR® license in Pennsylvania and New Jersey right after he graduated from college in 2018. His mom’s positive experience with the KW Langhorne o ce prompted him to join the brokerage as well. He was ready to dive in.
Cody earned his REALTOR® license in Pennsylvania and New Jersey right after he graduated from college in 2018. His mom’s positive experience with the KW Langhorne o ce prompted him to join the brokerage as well. He was ready to dive in.
“I thought I knew a lot because I had been exposed to real estate all of my life,” Cody admitted, “but I had no idea how much I didn’t know! I also thought that I had to prove myself and make
Cody is excited about being on the two-agent HomeFound team with his mother, Lisa Longenbach. You can read her story in this month’s issue of Bucks County Real Producers (available online).
“I don’t try to push it,” Cody smiled, “and I don’t have to because I have the best support system. We are here to help each other and to provide the information needed so our clients can choose the best option for them. My mom and I, and our KW family, look out for each other. My business started taking o a er I started collaborating.”
“I don’t try to push it,” Cody smiled, “and I don’t have to because I have the best support system. We are here to help each other and to provide the information needed so our clients can choose the best option for them. My mom and I, and our KW family, look out for each other. My business started taking o a er I started collaborating.”
“I thought I knew a lot because I had been exposed to real estate all of my life,” Cody admitted, “but I had no idea how much I didn’t know! I also thought that I had to prove myself and make
Cody knows that finding a home is much more di cult than finding a house. That was part of the motivation in choosing the team name,
Cody knows that finding a home is much more di cult than finding a house. That was part of the motivation in choosing the team name,
HomeFound. Since they want to help clients find their home anywhere, Lisa and Cody chose the tag line “Beach, Burbs and the City.”
HomeFound. Since they want to help clients find their home anywhere, Lisa and Cody chose the tag line “Beach, Burbs and the City.”
REINVESTING IN THE COMMUNITY
“I am very thankful for the trust of friends who bought their homes with me, especially when I was a new agent,” shared Cody. “Being a REALTOR® is a lot of work, but it is also very fun and meaningful. I enjoy our client appreciation pie giveaways and movie nights, and my favorite transactions are still with first-timers. I am grateful that we have built relationships with our clients and that they care enough to check on us, too. We are building a mini community!”
“I am very thankful for the trust of friends who bought their homes with me, especially when I was a new agent,” shared Cody. “Being a REALTOR® is a lot of work, but it is also very fun and meaningful. I enjoy our client appreciation pie giveaways and movie nights, and my favorite transactions are still with first-timers. I am grateful that we have built relationships with our clients and that they care enough to check on us, too. We are building a mini community!”
Cody hosts a weekly basketball event, open to anyone in the community who wants to have some good, clean fun. He has built many organic
Cody hosts a weekly basketball event, open to anyone in the community who wants to have some good, clean fun. He has built many organic
friendships through the informal basketball league. Cody is always ready to lend a listening ear, even if the conversations don’t turn to real estate.
friendships through the informal basketball league. Cody is always ready to lend a listening ear, even if the conversations don’t turn to real estate.
He has recently started some creative video marketing in which he shares information about the short- and long-term value of a property that is currently available. His objective is not only to market the current property but to help viewers think about the benefit and value in real estate investment. He also enjoys using his photography and videography skills to help fellow agents connect with their intended audiences.
He has recently started some creative video marketing in which he shares information about the short- and long-term value of a property that is currently available. His objective is not only to market the current property but to help viewers think about the benefit and value in real estate investment. He also enjoys using his photography and videography skills to help fellow agents connect with their intended audiences.
“Life is so much better for everyone when you are a team player,” Cody encouraged. “Five average players can always beat a team with only one great player on it. So just imagine! I feel like my team is five great players working together.”
“Life is so much better for everyone when you are a team player,” Cody encouraged. “Five average players can always beat a team with only one great player on it. So just imagine! I feel like my team is five great players working together.”
"Judd is my number one go-to for anything insurance-related. For my clients as well as personal. Judd is a wealth of knowledge and is a great resource for understanding what type of coverage is needed for all di erent properties, cars, personal belongings, etc. If he isn't able to take on the policy he is well networked in the industry where he can at least guide you in the right direction. The thing I love about Judd is you know he's a straight shooter, he walks you through the process, and at the end, you know you're covered in the most comprehensive way without over-selling you on things that don't make sense. I have used and recommended him countless times and I can't speak any higher than the service that Judd and his team at Statefarm provides!"
Shaun Paone is a third-generation entrepreneur and Glenside resident.
Shaun Paone is a third-generation entrepreneur and Glenside resident.
She was introduced to the real estate industry when she worked in mortgage and became a licensed REALTOR® in 2008. She has a special place in her heart for those who are vulnerable, and her favorite part of prospecting is networking.
She was introduced to the real estate industry when she worked in mortgage and became a licensed REALTOR® in 2008. She has a special place in her heart for those who are vulnerable, and her favorite part of prospecting is networking.
Much to the surprise of her entire very traditional family, she made an instantaneous decision to give her daughter a name that was beautiful, bold and out-of-the-box.
Much to the surprise of her entire very traditional family, she made an instantaneous decision to give her daughter a name that was beautiful, bold and out-of-the-box.
Although Shaun’s name was the topic of much conversation, she learned two things early in life:
Although Shaun’s name was the topic of much conversation, she learned two things early in life:
Shaun loves to connect community members to the resources they need and is proud to be a certified mentor with eXp.
Shaun loves to connect community members to the resources they need and is proud to be a certified mentor with eXp.
SHAUN IS A GIRL’S NAME, TOO!
Shaun and her family still laugh about how her mother chose her name. It was going to be “Megan,” but on the day of her birth, Shaun’s mother was looking through a magazine and was mesmerized by a beautiful and powerful woman named Shaun.
Shaun and her family still laugh about how her mother chose her name. It was going to be “Megan,” but on the day of her birth, Shaun’s mother was looking through a magazine and was mesmerized by a beautiful and powerful woman named Shaun.
The girl with the nontraditional name grew up in a very traditional way, attending the same Glenside high school in which her parents had met years before. Her father and grandfather were plumbers, as were several of her uncles, and many of her aunts and cousins were nurses. Her family was quick to lend a helping hand to members of the community, which was like an extension of their family. The community was (and still is) quick to come together when a member had a need.
The girl with the nontraditional name grew up in a very traditional way, attending the same Glenside high school in which her parents had met years before. Her father and grandfather were plumbers, as were several of her uncles, and many of her aunts and cousins were nurses. Her family was quick to lend a helping hand to members of the community, which was like an extension of their family. The community was (and still is) quick to come together when a member had a need.
NEVER JUDGE A BOOK BY THE NAME ON THE COVER AND REPUTATION IS THE NAME YOU MAKE FOR YOURSELF.
NEVER JUDGE A BOOK BY THE NAME ON THE COVER AND REPUTATION IS THE NAME YOU MAKE FOR YOURSELF.
Shaun quickly established a reputation for being kind, helpful, diligent, respectful and fun. When it was time to work, she worked hard. She was always willing to serve. And when it was time to celebrate an accomplishment, she invited others to join in, too. She learned to be a skilled people reader and easily adapted to her audience.
Shaun quickly established a reputation for being kind, helpful, diligent, respectful and fun. When it was time to work, she worked hard. She was always willing to serve. And when it was time to celebrate an accomplishment, she invited others to join in, too. She learned to be a skilled people reader and easily adapted to her audience.
As Shaun progressed through life, she connected with people over life events and created mutually beneficial friendships that expanded her “tribe.” Classmates and coworkers became true friends and encouraged each other through the joys and the struggles they experienced.
As Shaun progressed through life, she connected with people over life events and created mutually beneficial friendships that expanded her “tribe.” Classmates and coworkers became true friends and encouraged each other through the joys and the struggles they experienced.
When a friend’s brother told Shaun about his experience in the mortgage industry, she was intrigued. The job sounded fulfilling, and the pay was great. She started working at the front desk in the early 2000s and discovered that she had a gift for helping clients understand complex concepts and processes. She soon became a loan processor and easily connected to her clients as she walked them through their exciting journey.
When a friend’s brother told Shaun about his experience in the mortgage industry, she was intrigued. The job sounded fulfilling, and the pay was great. She started working at the front desk in the early 2000s and discovered that she had a gift for helping clients understand complex concepts and processes. She soon became a loan processor and easily connected to her clients as she walked them through their exciting journey.
Like many others, Shaun was laid o at the end of 2007 due to the market crash. She empathized with others because of where she was on her own journey, having recently married and being the proud owner of her first home.
Like many others, Shaun was laid o at the end of 2007 due to the market crash. She empathized with others because of where she was on her own journey, having recently married and being the proud owner of her first home.
As Shaun was trying to figure out a post-layo strategy, she thought of local REALTOR® Diane Reddington, who had created a reputation as an amazing professional who gave back to the community. She took time to care for people, whether they were her clients or not.
As Shaun was trying to figure out a post-layo strategy, she thought of local REALTOR® Diane Reddington, who had created a reputation as an amazing professional gave back to the community. She time to care for people, whether they were her clients or not.
Shaun started dreaming. In 2008 she became a licensed REALTOR®, and in 2009 she became a new mom. She laughs now about how she thought real estate would give her more “free time.” Three years later, her second blessing was born. Shaun worked part time in property management as a young mother, and at one point, she was mentored by Diane.
Shaun started dreaming. In 2008 she became a licensed REALTOR®, and in 2009 she became a new mom. She laughs now about how she thought real estate would give her more “free time.” Three years later, her second blessing was born. Shaun worked part time in property management as a young mother, and at one point, she was mentored by Diane.
Shaun has been a REALTOR® for 15 years and has served with several di erent brokerages. Each one was good during certain seasons of her life. She is thankful for the impact of residential REALTOR® Cindy Wadsworth and commercial real estate expert (and her mentor) Pete Becchina. These two former KW leaders became Shaun’s friends, and now all three are part of the virtual brokerage eXp.
Shaun has been a REALTOR® for 15 years and has served with several di erent brokerages. Each one was good during certain seasons of her life. She is thankful for the impact of residential REALTOR® Cindy Wadsworth and commercial real estate expert (and her mentor) Pete Becchina. These two former KW leaders became Shaun’s friends, and now all three are part of the virtual brokerage eXp.
Shaun enjoys donating to local youth sports teams and the Glenside Youth Athletic Club (in which one of her sons is currently an active participant. She also collects resources and donates her time to various community organizations that bring hope to others, including the Breathing Room Foundation (BRF), which supports local families impacted by cancer (breathingroomfoundation.org).
Shaun enjoys donating to local youth sports teams and the Glenside Youth Athletic Club (in which one of her sons is currently an active participant. She also collects resources and donates her time to various community organizations that bring hope to others, including the Breathing Room Foundation (BRF), which supports local families impacted by cancer (breathingroomfoundation.org).
In 2017 when Shaun’s father was dying from cancer, the Breathing Room Foundation brought her family great comfort and peace, and she is honored to pass the favor on to others. She has donated her time to making Easter baskets for children in need and looks forward to contributing more in the future.
In 2017 when Shaun’s father was dying from cancer, the Breathing Room Foundation brought her family great comfort and peace, and she is honored to pass the favor on to others. She has donated her time to making Easter baskets for children in need and looks forward to contributing more in the future.
Shaun has always had a deep sense of community and had a tender heart for those who were vulnerable. She is an active supporter of the domestic violence care agency Laurel House (laurel-house.org) and enjoys donating toys and gift cards for those who are trying to make new lives for themselves and their children.
resources they needed at each step in the process. Her compassion and connections brought them much-needed hope and encouragement.
resources they needed at each step in the process. Her compassion and connections brought them much-needed hope and encouragement.
Shaun is proud that her city of Glenside has the longest-standing Fourth of July parade in the country
Shaun has always had a deep sense of community and had a tender heart for those who were vulnerable. She is an active supporter of the domestic violence care agency Laurel House (laurel-house.org) and enjoys donating toys and gift cards for those who are trying to make new lives for themselves and their children.
Because of this, Shaun hosts her big client appreciation party on July 3. She also sponsors two “Dumpster Days” each year so community members can do some deep cleaning. Her goal is to invest in things that add value to her community.
Shaun is proud that her city of Glenside has the longest-standing Fourth of July parade in the country Because of this, Shaun hosts her big client appreciation party on July 3. She also sponsors two “Dumpster Days” each year so community members can do some deep cleaning. Her goal is to invest in things that add value to her community.
Shaun recently started playing golf and has found that she really enjoys it. She has attended several golf events that were part of a fundraising e ort for the police and for youth sports. Shaun also participates in various GoFundMe campaigns.
Shaun recently started playing golf and has found that she really enjoys it. She has attended several golf events that were part of a fundraising e ort for the police and for youth sports. Shaun also participates in various GoFundMe campaigns.
During COVID-19, multiple women reached out to Shaun, unsure of how to extract themselves from abusive relationships in the midst of the lockdown. Shaun was able to help connect the women to the
During COVID-19, multiple women reached out to Shaun, unsure of how to extract themselves from abusive relationships in the midst of the lockdown. Shaun was able to help connect the women to the
She enjoys Glenside’s town center and loves to support local businesses, especially those that are women owned. Shaun has also been a part of Keswick Village Business Association and helped with their Fall Festival. She loved how they used to do outdoor movies in the summer.
She enjoys Glenside’s town center and loves to support local businesses, especially those that are women owned. Shaun has also been a part of Keswick Village Business Association and helped with their Fall Festival. She loved how they used to do outdoor movies in the summer.
“I refuse to read any doom and gloom real estate ‘news’ articles,” shared Shaun. “I want to be informed but stay inspired so I can share hope with my clients. Sometimes we forget that during a real estate transaction, someone’s whole world feels upside down. I love mentoring agents, especially new agents, and helping them to learn to connect with their clients. Being a REALTOR® is not about a sales position; it is about relationships.”
“I refuse to read any doom and gloom real estate ‘news’ articles,” shared Shaun. “I want to be informed but stay inspired so I can share hope with my clients. Sometimes we forget that during a real estate transaction, someone’s whole world feels upside down. I love mentoring agents, especially new agents, and helping them to learn to connect with their clients. Being a
REALTOR® is not about a sales position; it is about relationships.”
