Michelle Hayes is a trailblazing entrepreneur and talent agent hailing from the vibrant city of Chicago. With a background in business from Hampton University and an MBA from National Louis University, Michelle is the proud owner of Hayes Talent Agency. She made history as the only African American woman to operate three SAG-franchised agencies across Chicago, Atlanta, and Los Angeles.

Michelle’s unwavering focus on showcasing Chicago’s immense talent has propelled her agency to prominence, with clients landing coveted roles in hit shows like The Chi, Power, Empire, and Insecure. Most notably, her recent success includes booking a series regular and eight recurring roles on Power Force, earning her widespread acclaim and solidifying her reputation as a powerhouse in the entertainment industry.

Beyond her professional achievements, Michelle is deeply committed to empowering future generations, guided by her faith and a dedication to making a lasting impact.

In this episode, Dante and Michelle discuss:

• How Michelle transitioned from modeling and acting to launching her talent agency
• The importance of proper training, headshots, and resumes for aspiring actors
• Diversity and inclusion progress (and gaps) in the entertainment industry
• The impact of social media and follower count on casting and branding
• How AI is reshaping opportunities—and threats—in film and TV

Key Takeaways: 

• Michelle launched her agency after realizing that while she was preparing and referring talent, others were reaping the financial rewards. Her entrepreneurial leap was sparked by both opportunity and insight.
• Simply having passion isn't enough—aspiring actors must consistently train and build their craft to stand out in auditions and land speaking roles. Talent without preparation won’t survive the competition.
• Without a polished headshot and a properly formatted resume, actors risk being dismissed before they're even seen. First impressions are everything in this industry.
• While social media can boost visibility—especially for film and commercial roles—it holds limited sway in traditional TV casting decisions. It’s helpful, but not a golden ticket.
• The rise of AI is transforming entertainment, raising concerns about the future of real actors and agents as synthetic alternatives become increasingly viable. This shift could redefine the industry's very foundation.

“You have to be proactive—there are so many streaming opportunities now to get your work out there. You don’t have to wait for someone to give you the opportunity anymore. We can create our own. A lot of people just sit around waiting instead of creating. Don’t wait for me—do it yourself.” - Michelle Hayes

Connect with Michelle Hayes:

Website: https://hayestalent.com/ 

Facebook: https://www.facebook.com/Hayestalent/ 

Instagram: https://www.instagram.com/hayestalentagency/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed in are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

David Posley Jr. is a versatile professional with a diverse background spanning business, government, and sports. As Managing Partner of The Legacy Athlete, he specializes in helping families, athletes, and municipalities prepare for intergenerational wealth transfer with a global infrastructure. Mr. Posley is a trusted resource for families and businesses looking to build long-term legacies.

His areas of expertise include strategic planning, risk management, community building, estate planning, and family governance. He is also renowned for his work in digital asset governance and for advocating on behalf of underserved communities and markets. Through partnerships with municipalities, businesses, and educational institutions, Mr. Posley works to educate the broader community—and, most importantly, the next generation of leaders—through The Legacy Club, an international capital transition program that equips families with tools to guide and support their children.

In this episode, Dante and David discuss:

• Shifting from generational to intergenerational wealth thinking
• Including the whole family in legacy planning and family constitutions
• Understanding the 10 forms of capital beyond just financial wealth
• The role of the Legacy Club in helping second-generation youth navigate inherited responsibilities
• Embracing digital asset governance in today’s evolving economy

Key Takeaways: 

• Shifting the language from “generational” to “intergenerational” reframes how families approach legacy. It’s not just about passing down wealth—it's about building lasting systems that connect multiple generations.
• Legacy planning moves beyond legal documents. It’s about fostering meaningful, ongoing conversations that create clarity, purpose, and continuity across the family.
• David introduces a broader view of wealth through his 10 forms of capital model. Families are encouraged to nurture areas like spiritual, human, and instructional capital, not just financial assets.
• The Legacy Club empowers second-generation youth with guidance, context, and accountability. It helps them transition from inherited privilege to purpose-driven leadership with clarity and support.
• To future-proof your legacy, digital literacy is essential. David stresses the importance of digital asset governance and adapting to emerging technologies that shape how we manage and protect wealth.

“You're literally spending a lot of your legacy not paying attention to it—once you're made aware, your only option is to engage intentionally.” - David Posley Jr.

Connect with David Posley Jr.:

Website: https://thelegacyathlete.com/legacyprofile 

Facebook: https://www.facebook.com/DWPosleyJr/ 

Instagram: https://www.instagram.com/dwposleyjr/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed in are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Larry Anthony is a distinguished two-time U.S. Armed Forces Veteran, having served in both the U.S. Navy and Texas Army National Guard. With a strong foundation in political science, history, and Arabic from Southern Methodist University, he went on to earn his Juris Doctor from UNT Dallas College of Law. With over a decade of experience in the legal field, Larry has served as a third-party neutral, student attorney, law clerk, and paralegal. A skilled mediator, he has successfully mediated over 100 cases. He is a member of the Texas Association of Mediators, a mediator for the Texas Department of Insurance, a FINRA public arbitrator, and an active member of national mediation organizations. Passionate about community service, he dedicates time to mentoring young professionals and supporting local initiatives.

In this episode, Dante and Larry discuss:

• Transition from military service to legal and academic careers
• Alternative dispute resolution (ADR) methods like mediation and arbitration
• Running a private mediation company and balancing objectivity in disputes
• Handling ADR cases across state lines and evolving hybrid mediation-arbitration models
• Rising divorce rates and financial issues leading to mandatory mediation before trial

Key Takeaways: 

• A veteran whose journey spans military service, legal academia, and the realm of mediation, illustrating how analytical thinking and a dedication to community service can shape a meaningful career in alternative dispute resolution.
• Mediation is explored as a powerful tool for resolving disputes, offering a neutral and structured environment where opposing parties can negotiate agreements without resorting to litigation.
• Arbitration surfaces as an effective alternative to court trials, allowing an impartial arbitrator to review evidence and issue legally binding decisions, streamlining conflict resolution outside the judicial system.
• The adaptability of alternative dispute resolution is emphasized, showcasing how broad training credentials enable professionals to manage cases across state borders while hybrid models continue to evolve, merging mediation and arbitration for greater efficiency.
• Mediation services are surging, driven by financial strain and rising divorce rates, as courts increasingly mandate mediation as a prerequisite to trial.

“In the legal field—just like in medicine—everything is constantly evolving. You have to stay ahead of the trends, understand how courts are ruling, and adapt to new tools in mediation and arbitration. If you’re not learning, you’re falling behind. Staying on top of it all isn’t just an advantage—it’s a necessity.” - Larry Anthony

Connect with Larry Anthony:

Website: https://iams.llc/ 

Phone: 682 325 7238

Email: info@iams.llc 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Tammy Helfrich is a Life & Mindset Coach, host of the Intentional Life podcast, and author of Ablaze and Unapologetic. She helps women trust their intuition, believe in themselves, and take powerful, intentional action toward the life and business they desire. With over 30 years of experience in business development, leadership, corporate sales, and coaching, she blends her expertise with a deep passion for empowerment. Tammy also played a key role in launching a successful nonprofit and now guides women in growing their businesses with confidence. She believes that when women are supported, they flourish—bringing their unique gifts to the world unapologetically.

In this episode Dante and Tammy discuss:

• Empowering women through business leadership coaching and authorship
• Transformative career transitions from corporate dissatisfaction to fulfillment
• Rediscovering inner self and passions after prioritizing life roles
• Supportive partnerships enabling self-growth and goal alignment
• Creating harmony in work-life integration by resisting societal pressures

Key Takeaways: 

• Tammy’s leadership coaching, authorship, and community initiatives serve as catalysts for women seeking deeper fulfillment, guiding them toward purpose-driven personal and professional growth.
• Midlife often becomes a turning point where individuals reassess their careers, relationships, and aspirations, uncovering a desire for transformation that expert coaching can help navigate.
• The role of supportive partnerships extends beyond encouragement, fostering environments where self-care, shared dreams, and mutual goals create space for personal rediscovery and empowerment.
• Rather than chasing an elusive work-life balance, the conversation highlights the importance of crafting a harmonious lifestyle—one shaped by intentional choices rather than external societal pressures.
• Society 57 exemplifies the power of community collaboration, demonstrating how shared visions can breathe new life into historic spaces while simultaneously supporting local nonprofits and fostering meaningful connections.

“I always start by asking women questions and challenging them to really think about what they want. Sometimes, we tell ourselves stories that we’re unhappy, but when we pause and reflect, we might realize we actually like our lives—we just need to see them from a different perspective.” - Tammy Helfrich

Connect with Tammy Helfrich:

Website: https://tammyhelfrich.com/ 

Podcast: https://podcasts.apple.com/us/podcast/intentional-life/id668580718 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Christopher A. Panagiotu—the “CAP” in CAPitalize—discovered his passion for investing at just 10 years old. By 18, he landed an internship at UBS, later working at Morgan Stanley before finding his true path at Lucia Capital Group. Over nearly seven years, he built CAPitalize Your Finances from scratch, growing it to nearly $100M. A CERTIFIED FINANCIAL PLANNER and Chartered Retirement Plans Specialist, Chris holds Series 7 and 66 licenses with LPL Financial. More than a financial advisor, he’s a CAPitalizer—driven by loyalty, stewardship, and a relentless pursuit of excellence. Outside the office, he shares his insights as the host of the CAPitalize podcast.

In this episode Dante and Chris discuss:

• Early investing lessons and understanding stocks at a young age
• Becoming the youngest advisor at UBS and redefining financial planning
• Overcoming setbacks and building a thriving financial firm
• Entrepreneurship, investment diversification, and long-term wealth strategies
• Insights from Chris’s books on financial planning and sales success

Key Takeaways: 

• An unshakable faith in one's vision emerges as a fundamental pillar of entrepreneurial success, enabling resilience through economic fluctuations such as inflation.
• Separating emotions from investing, emphasizing the importance of understanding businesses firsthand to achieve long-term profitability.
• The conversation challenges conventional financial planning, advocating for innovative frameworks that prioritize growth, adaptability, and client satisfaction, even in volatile markets.
• Perseverance, mindset shifts, and an unwillingness to accept defeat are highlighted as crucial components in overcoming adversity and carving out lasting success.
• A strategic approach to wealth-building unfolds, illustrating the benefits of diversifying investments across public markets, private equity, and venture capital instead of relying solely on real estate.

“As a business owner, you don't have an option of just giving up. And when you're trying to invest and plan for the long term, you should have the same mindset that a business owner has—owning it forever with an asterisk. If something materially changes within one of your investments, that forever becomes a never, and you gotta move on.” - Chris Panagiotu

Connect with Chris Panagiotu:

Website: https://capitalizeyourfinances.com/ 

LinkedIn: https://www.linkedin.com/in/christopher-panagiotu-cfp%C2%AE-crps%C2%AE-13a573176/ 

Podcast: https://open.spotify.com/show/2eaXdmgmuEygxHfCvS6kij 

Chris’s Books: https://www.amazon.com/stores/author/B0BB197W43 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Frank Akridge Jr. is a Certified Financial Planner, the owner of Financial Pathfinder LLC, and an investment advisor representative with Optivise. He specializes in supporting business owners and executives by transforming their largest expenses into valuable assets. He offers advanced strategies for wealth management, retirement planning, and financial growth. With over two decades of experience, Frank has a proven track record of helping clients achieve their financial goals through innovative and personalized solutions. He holds a master's degree in Christian Education and Conflict Management from Wheaton College and has extensive experience working with high-net-worth clients. Based in Forney, Texas, Frank is committed to educating and guiding professionals towards a more abundant and rewarding retirement. Additionally, he enjoys mentoring and supporting his community, making a significant impact both professionally and personally.

In this episode Dante and Frank discuss:

• Inflation, taxes, and pension loss challenge retirement income and savings
• Multiple income streams and financial education support long-term financial success
• Clarity about goals creates urgency and informs strategic planning
• Personalized multi-strategy financial plans mitigate risk with insurance safeguards
• Balanced portfolios and tax deferral strategies address unforeseen retirement costs

Key Takeaways: 

• There's an emphasis on macroeconomic challenges, as inflation, taxes, and corporate bankruptcies erode pension values and reduce retirement income.
• A strategic focus on diversifying income streams and enhancing financial education underpins sustainable, long-term financial success.
• Clear and well-defined financial goals spark a sense of urgency, setting the stage for targeted retirement planning.
• Advisors collaborate with legal experts to implement trusts, charitable giving, and multi-faceted investment strategies that safeguard and grow family wealth.
• Innovative tax strategies—such as overfunded life insurance contracts and deferred sales trusts—are championed to secure tax-advantaged retirement income while deferring capital gains.

“Not all realtors, mortgage brokers, or financial advisors excel at what they do. Be sure to choose a professional—whether in your industry or mine—who has real-world experience, skin in the game, and employs multiple strategies.” - Frank Akridge Jr

Connect with Frank Akridge Jr:

Website: https://www.financialpathfinder.net/ 

LinkedIn: https://www.linkedin.com/in/frankakridgecfp/ 

Phone: 404-738-9234

Email: frank@frankfp.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Ryan Weiss, a seasoned leader with over 20 years of experience, is passionate about driving meaningful change in businesses and industries. His career spans founding and leading ventures from a young age, managing global teams in 20+ countries, and serving as a global executive at a $20B chemical company. In 2016, Ryan founded EPS, a thriving company delivering proprietary software solutions and coaching services across diverse sectors. With degrees in Chemistry and Finance, he developed the OPTICS™ System, a powerful framework empowering companies to align and accelerate performance. Currently working on his second book, Ryan continues to inspire leaders with his clarity-driven approach to tackling business challenges.

In this episode Dante and Ryan discuss:

• Clarity-driven approach to integrating people into processes for business success
• Impact of process inefficiencies on profits, waste, and employee turnover
• Solutions for reducing miscommunications, rework, and costs in processes
• Role of the Optics five-step process in driving organizational change
• Insights from Weiss's "OPTICS" book on aligning people and processes to enhance organizational performance

Key Takeaways: 

• The transformative power of habit cycles in integrating people and processes, underscoring their pivotal role in driving successful business outcomes.
• A stark reality emerges, illustrating how poorly aligned processes can cascade into significant losses, including wasted resources, frustrated employees, and diminished customer satisfaction.
• By refining inefficient processes and synchronizing expectations, businesses can not only save time and money but also mitigate the risks associated with miscommunications and redundant efforts.
• Through a practical lens, Weiss’s OPTICS book reveals strategies for aligning people and processes to drive organizational performance.
• The Optics five-step framework, detailed with precision, proves invaluable for process clarity, offering outsiders a sharper understanding of a business than its own insiders.

“Processes are only impactful if people use them right. When you start thinking about people and process together, that's really a habit cycle—because when people follow a process, or when you create processes that truly help people, it naturally forms a habit cycle.” 

- Ryan Weiss

Connect with Ryan Weiss:

Website: https://epsoptics.com/ 

LinkedIn: https://www.linkedin.com/in/ryancweiss/ 

Ryan’s Book: https://book.epsoptics.com/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Dr. Matt Glowiak is clinical faculty in the Southern New Hampshire University (SNHU) and Yorkville University (YU) Master’s in Mental Health Counseling (MHC) programs. As an individual who is passionate about everything mental health, he has a diverse background in higher education, private practice, addiction, servant leadership, presenting, publishing, and advocacy work. Dr. Glowiak has worked with many clients diagnosed with a variety of conditions as well as those aiming to increase their overall wellbeing.

In this episode Dante and Matt discuss:

• Impact of the COVID-19 pandemic on mental health issues like depression and anxiety
• Role of self-awareness, supportive communication, and individualized treatment approaches
• Treatability and curability of mental health disorders and short-term use of medication
• Persistent stigma and lack of resources in mental health services
• Ethical concerns about providers profiting from prolonged patient dependency

Key Takeaways: 

• The COVID-19 pandemic highlighted both the rise in mental health struggles and the simultaneous destigmatization of mental health, leading to greater awareness and increased access to services.
• Self-awareness, supportive communication, and tailored treatment approaches are essential for overcoming mental health challenges, fostering resilience and recovery.
• Mental health disorders are highly treatable with proper intervention, and seeking help not only improves individual well-being but strengthens community connections.
• Medication should play a minimal, short-term role in mental health care, with ongoing therapy as the cornerstone of sustainable recovery and personal growth.
• Despite free alternatives, the high cost of mental health services, persistent stigma, and unethical practices by some providers remain barriers to achieving accessible and effective care for all.

“Be real with yourself. There's a saying, 'The more aware you are of yourself, the more aware you become of others.' Wisdom flourishes from self-awareness. While we all perceive and respond to the world differently, certain universals connect us—pain, desires, and shared experiences. If something doesn’t feel right, acknowledge it sooner rather than later.” - Matt Glowiak

Connect with Matt Glowiak:

Facebook: https://www.facebook.com/dr.mattglowiak/ 

LinkedIn: https://www.linkedin.com/in/matt-glowiak-phd-lcpc-caadc-ncc-acs-1162841ab/ 

Email: dr.mglowiak@gmail.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Brittney Norwood is a dedicated public servant and the newly elected trustee in Dolton. With a strong commitment to her community, Brittney aims to foster positive change and enhance the quality of life for Dolton's residents. Her proactive approach and fresh perspective are focused on addressing local issues and ensuring that the voices of the citizens are heard and respected. In addition to her public service, Brittney is a trusted realtor. She leverages her extensive knowledge of the local real estate market to provide exceptional service to her clients, making every transaction seamless and stress free. Brittney is deeply involved in her community, participating in local events and initiatives outside of her professional life. She enjoys exploring the Midwest, scenic landscapes and spending quality time with family and friends.

In this episode Dante and Brittney discuss:

• Inspiration from grandmother's community involvement driving trusteeship
• Responsibilities of a trustee in empowering residents and fostering economic growth
• Vision for revitalizing abandoned homes and enhancing neighborhood safety
• Impact of rising taxes and economic shifts on homeownership and real estate investments
• Current real estate market favoring landlords and investors over typical buyers

Key Takeaways: 

• The trustee's role is portrayed as multifaceted, emphasizing empowering residents, crafting budgets, and addressing administrative hurdles to drive business growth and economic development.
• A forward-thinking vision emerges in revitalizing abandoned homes, which boosts property tax revenue, stabilizes businesses, and enhances community safety, contributing to a thriving neighborhood.
• Educational initiatives and housing programs are highlighted as transformative efforts, addressing tax concerns while enabling renters to become homeowners, fostering happier, more secure communities.
• A dynamic shift in the real estate landscape is unveiled, where rising taxes, economic shifts, and higher interest rates favor landlords and investors while slowing opportunities for traditional homebuyers.
• The Village of Dolton's permitting process is identified as a critical barrier to home sales and development, spotlighting the need for streamlined solutions to support community growth.

“One thing I've always been big on—even before becoming a trustee, right? —is bringing homebuyer seminars to the community. As a realtor for the last nine years, I’ve always aimed to help people understand how mortgages work. So, if we can create a program that makes it easier for renters in Dolton to become homeowners, we’ll not only add a house to the tax roll but also eliminate an eyesore, making our neighborhoods safer—and, in turn, happier” - Brittney Norwood

Connect with Brittney Norwood:

Facebook: https://www.facebook.com/p/Trustee-Elect-Brittney-Norwood-100063653930083/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

John Boll is a seasoned professional with over a decade of expertise in elevating individuals' financial profiles. With a distinguished career spanning 13 years, he has passionately devoted himself to empowering people to enhance their credit scores and unlock their financial potential. Starting as a Mortgage Consultant, John spent seven years navigating the complexities of credit landscapes before transitioning into a FICO Certified Credit Restoration Specialist, a role he has excelled in for the past eight years. What sets him apart is his commitment to holistic solutions tailored to individual needs, catalyzing transformative change in countless lives. For John, the journey extends beyond credit repair—it's about fostering lasting financial wellness and prosperity, fueling his passion to help others achieve financial freedom.

In this episode, Dante and John discuss:

• Transformative strategies for credit restoration and personalized financial solutions
• Key components of achieving an 800-credit score, including credit mix and utilization
• Practical tips for maintaining a strong credit profile and avoiding late payments
• Effective techniques for negotiating settlements and managing open debt
• Navigating specific credit challenges, including medical collections and FHA loan charge-offs

Key Takeaways: 

• A balanced credit profile starts with building the right credit mix and keeping credit utilization low, highlighting the importance of strategic borrowing habits.
• Paying bills on time emerges as a cornerstone for maintaining a strong payment history, showcasing discipline as a critical factor in financial success.
• Timing plays a pivotal role in debt negotiation, with end-of-month settlements often yielding better outcomes for individuals managing open balances.
• Establishing business credit is simplified through vendor partnerships with major retailers like Walmart and Home Depot, emphasizing the power of strategic alliances.
• Overcoming specific credit challenges involves ignoring medical collections under $1,000 and understanding FHA loan charge-off rules, offering practical steps for financial recovery.

“Never have a late payment—set up autopay so all you need to remember is having enough in the account each month. Keep credit card balances below 20%, and if possible, just pay everything off. Use credit cards to build credit or for emergencies; those interest rates are phenomenal.” 

- John Boll

Connect with John Boll:

Website: https://www.creditcareco.com/ 

LinkedIn: https://www.linkedin.com/in/ficocertifiedcreditpro/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Randall Avery is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Analyst. His mission is to help the communities he serves to increase their wealth and use it to achieve their dreams. Randall specializes in guiding individuals toward their version of financial freedom.

He is the author of Hacking the System by Creating Your Own System, a self-help guide for those looking to improve their financial outlook. Randall frequently speaks to a diverse range of audiences—from youth organizations and schools to corporate executives and professional associations—emphasizing the importance of good financial stewardship.

In this episode, Dante and Randall discuss:

• Transitioning from corporate finance to empowering communities through wealth-building
• Importance of fiduciary duty and continuous education in financial certifications
• Strategies for "hacking the system" by cultivating awareness and self-control
• Transformative effects of financial freedom on original thinking and delayed gratification
• Insights on budgeting, automatic investing, and integrating AI in finance

Key Takeaways: 

• A journey from the corporate world to community-centered wealth-building highlights the transformative power of using financial knowledge to uplift others.
• The importance of fiduciary duty, continuing education, and mastery of investment management is emphasized through the CFA and CFP certifications.
• By fostering awareness, self-control, and community investments, individuals can challenge societal systems designed to extract wealth and create their own path to prosperity.
• Achieving financial freedom unlocks original thinking, while the inability to delay gratification can obstruct personal and financial growth.
• Practical strategies like budgeting, automatic investing, self-investment, niche specialization, and AI integration provide actionable steps toward sustainable wealth creation.

“First, have a budget. Tell your money what you want it to do—list your expenses and track them monthly. This is crucial for married couples; when you align financial goals, you strengthen your relationship. Second, utilize automatic investing. Sign up for your employer’s retirement plan and invest consistently. Many people become accidental millionaires just by following this simple step early in their careers. Finally, invest in yourself—your health, skills, and knowledge. These investments will pay dividends later in life.” - Randall Avery

Connect with Randall Avery:

Website: https://deasilwm.com/ 

LinkedIn: https://www.linkedin.com/in/randallavery/ 

Facebook: https://www.facebook.com/randall.avery.7 

Instagram: https://www.instagram.com/rsadeasil50/ 

Randall’s BOOK: https://www.amazon.com/Hacking-System-Creating-Your-Own/dp/0999403508 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Evan Wheeler, the Founder and Owner of Wheeler Insurance Solutions and Expertise. With a keen understanding of the insurance industry and a commitment to personalized service, Evan has built a reputable business dedicated to providing tailored insurance solutions for individuals and businesses alike. His extensive knowledge and innovative approach have made Wheeler Insurance Solutions a trusted name in the field, ensuring clients receive the best coverage to meet their unique needs. Passionate about empowering others through financial protection and security, Evan continues to lead his company with integrity and a client-centric focus.

In this episode Dante and Evan discuss:

• Personalized insurance consulting for property damage claims
• Adopting technology to meet expectations for rapid claims processing
• Guiding laypersons through interpreting complex insurance policies
• Minimizing out-of-pocket costs for denied or underpaid claims
• Importance of adequate coverage over lower premiums, especially in Colorado

Key Takeaways: 

• The importance of adopting technology in insurance consulting, enabling firms to meet client expectations for faster results despite the inherent complexity of the claims process.
• A key focus is on empowering property owners to navigate claims for disasters like floods, hurricanes, and fires, offering expert guidance to interpret policy language and maximize benefits.
• Operating nationwide but with a primary presence in Colorado, the firm minimizes out-of-pocket costs by leveraging free contracting services, financial advisor connections, and governmental assistance opportunities.
• Thorough research, asking the right questions, and comparing reviews are essential to prioritizing comprehensive coverage over cheaper premiums, especially given Colorado's high insurance rates.
• The firm escalated a claim to secure both temporary and long-term housing for a single mother of six after a flood, showcasing the human impact of their services.

“I believe the type of person I am is here for service—to help people and make life a little bit easier, because life is hard. Point blank, if you're living life, it's hard. We all have our issues, and just being able to be here, to help people out and make life a little easier, has been incredibly rewarding for me.” 

- Evan Wheeler

Connect with Evan Wheeler:

Website: https://wiseconsultation.com/ 

LinkedIn: https://www.linkedin.com/in/evan-wheeler-fcls-ccls-pcls-5ab87444/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

KeShaun N. Harding is a licensed family nurse practitioner with over 14 years of experience and the founder of Obsidian Aura Med Spa, an award-winning medical spa in Tinley Park. A 2023 “40 under 40” honoree and member of BWPL and ISAPN, KeShaun combines her clinical expertise with a passion for mentorship, aesthetics, and entrepreneurship. After earning her Master’s in Nursing while raising a family, she launched her spa in 2021 and later created a mentorship program that has already helped others open successful clinics. Guided by faith and purpose, KeShaun is committed to empowering the Black community through leadership, self-care, and business coaching.

In this episode, Dante and KeShaun discuss:

• What a medical spa is and the services Obsidian Aura Med Spa offers
• Common misconceptions about med spas and their legitimacy
• KeShaun’s journey into entrepreneurship and leaving her full-time job
• Her mentorship program and passion for growing Black businesses
• The importance of legacy-building, self-care, and wellness investment

Key Takeaways: 

• Medical spas go beyond luxury—they offer clinical treatments led by trained professionals. At Obsidian Aura Med Spa, clients receive medically-backed services like IV hydration and weight loss plans, delivered with both expertise and care.
• Entrepreneurship can be rooted in purpose, not profit, and still create impact. For KeShaun, the driving force behind launching her business was the desire to uplift others, not financial gain.
• KeShaun's mentorship accelerates business success by offering real-world guidance and removing barriers. She equips aspiring entrepreneurs with a clear roadmap while helping them avoid costly mistakes she learned firsthand.
• True wellness is an investment; you can’t pour from an empty cup. Clients are encouraged to prioritize their health and self-care as essential—not optional—parts of long-term well-being.
• Building generational knowledge and wealth starts with modeling better choices for our children. KeShaun believes that setting strong examples today paves the way for future generations to thrive with intention and purpose.

“Those who are serious about their health and longevity, disposable income is probably necessary because the services can get expensive. We invest in so many different things that aren't necessarily beneficial to our health and longevity, so they have to be prepared to invest in their health, their wellness, or their self-care. We can't pour from an empty cup.” - KeShaun Harding

Connect with KeShaun Harding:

Website: https://oamedspa.org/ 

Facebook: https://www.facebook.com/ObsidianAuraMedSpa 

Instagram: https://www.instagram.com/obsidian_auramedspa/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed in are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Donna J. Rogers, owner of R’ Legacy Realty LLC and R’ Legacy Academy Real Estate School, brings over 17 years of real estate expertise. A licensed Managing Broker, Real Estate Instructor, Investor, and Project Manager, she holds certifications as a HUD Housing Counselor and Seller Representative Specialist. With a background in education, Donna is a former Adjunct Business Professor and the author of the #1 Amazon book Who Got the Keys? Her commitment to youth education in real estate has impacted thousands nationwide. Currently serving as President of the Young Realists Division, Chicago Chapter, Donna’s dedication to community service has earned her numerous awards, continuing her late father’s legacy of empowerment.

In this episode Dante and Donna discuss:

• Building generational wealth through real estate investment and education
• Importance of early exposure to real estate for informed decision-making
• Expanding "Who Got the Keys?" with summits, camps, and licensing classes
• Staying authentic and educated in real estate pursuits
• Encouraging purposeful conversations about goals and real estate

Key Takeaways: 

• Real estate investing is a powerful pathway for building generational wealth, especially when approached wisely through research, networking, and education.
• Introducing young adults to real estate and homeownership early on empowers them to make informed choices and develop wealth-building skills.
• The "Who Got the Keys?" program educates and inspires youth about real estate investing through workbooks, summits, online camps, and realtor licensing classes.
• Donna embodies the value of authenticity and purposeful action in real estate, dedicating herself to writing bestselling books during the pandemic through an early morning routine.
• Inspired by her parents’ experiences in real estate, Donna is driven to educate others about using real estate to boost Black homeownership and generational wealth.

“Exposure makes a difference. You have no idea what your possibilities are unless you see it. For me, it's important to expose as many young people as possible to change the narrative before credit is messed up, before you have all this debt. Later in life, you don’t have to go back and fix these things because you didn’t get exposure. You can make well-informed decisions from the start as a young person, as a teenager going into adulthood with a game plan in mind—a game-changing plan that will put you on the path to building generational wealth through real estate.” 

- Donna Rogers

Connect with Donna Rogers:

Website: https://www.whogotthekeys.com/ 

Phone: (312) 276-5111

Donna’s BOOK: https://www.whogotthekeys.com/?page_id=231 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Matthew Sutika is an accomplished entrepreneur and CEO at Nimble, a leading multifamily insurance company based in Sarasota, Florida. With a proven track record of success in the insurance sector, Matthew is recognized for his innovative approach and commitment to excellence. Prior to founding Nimble, Matthew distinguished himself as the #1 ranked State Farm agent nationwide, showcasing his expertise and leadership in the field. His entrepreneurial spirit led him to establish Nimble, where he continues to drive growth and innovation in the industry.

Outside of his professional pursuits, Matthew is a dedicated philanthropist, actively supporting initiatives focused on education and community development. In his leisure time, he enjoys exploring Sarasota's vibrant cultural scene and engaging in outdoor activities such as hiking and sailing. With a passion for entrepreneurship and a vision for the future of insurance, Matthew Sutika remains a dynamic force in both the business world and his local community.

In this episode Dante and Matt discuss:

• Building innovative insurance programs for rental properties
• Navigating insurance challenges in natural disaster-prone areas
• Assessing risks and coverage needs for aging properties
• Strategic planning to adapt to shifts in the insurance market
• Balancing competitive online rates with personalized broker guidance

Key Takeaways: 

• Emphasizing innovation in insurance programs can drive both customer satisfaction and business growth, especially when aligned with proactive service.
• Tackling challenges, such as natural disasters, requires adaptable strategies, prioritizing clear communication and creative problem-solving.
• Assessing property risks involves a thorough understanding of variables like building age, construction type, and geographic location, highlighting a tailored approach.
• Strategic planning and cash flow management are pivotal as the insurance market evolves, underscoring the need for flexibility and preparation.
• While online carriers offer appealing rates, expert brokers stand out by delivering personalized advice and optimized coverage for individual needs.

“Insurance can no longer be something you take lightly. It needs to be something you consider when finding properties—where insurance is actually good. Not just finding a property and hoping the insurance works out; you really need to concentrate on it, because it can make or break your refi or your deal.” 

- Matt Sutika

Connect with Matt Sutika:

Website: https://nimbleins.com/ 

LinkedIn: https://www.linkedin.com/in/matthewsutikanimbleins/ 

Phone: 312-877-2692

Email: matthew@nimbleins.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Samir and Darlene Rashed, the dynamic duo behind Crefco Financial Group. With over 27 years in the mortgage industry, they built a reputation for their commitment to educate, uplift, and inspire communities through home ownership. Their journey began with the purchase of their first home in their early twenties, sparking a passion for helping others achieve the dream of home ownership. Samir transitioned from corporate sales to become a loan officer, with Darlene following suit after a distinguished 26-year corporate career. For the past 15 years, they've been partners at Crefco Financial Group, where their expertise in real estate and dedication to customer satisfaction have driven success. Married for 30 years, their commitment to each other extends to their shared mission of making a positive impact in their community.

In this episode, Dante, Samir & Darlene discuss:

• Founding Crefco Financial Group and empowering homebuyers through education
• Economic challenges impacting homebuyers and the importance of planning
• Popularity of multi-unit buildings and co-signing strategies for young buyers
• Efficient communication and debunking homebuyer myths through transparency
• Researching AI trends and enhancing digital capabilities while maintaining a human touch

Key Takeaways: 

• Founders emphasize the importance of empowering homebuyers through education and personalized attention, setting Crefco apart in the mortgage industry.
• Economic challenges require strategic education and planning, particularly for lower-income borrowers seeking affordable homeownership.
• Multi-unit buildings are highlighted as an investment option, offering both rental income and mortgage support for homeowners.
• Co-signing with parents emerges as a key solution for young buyers struggling with affordability in the housing market.
• Embracing technology, Crefco enhances the customer experience with digital tools while maintaining a human touch, focusing on education and transparency.

“We educate, uplift, and inspire through home ownership by humanizing the customer experience. From start to finish, we guide people with education, helping them feel comfortable so they can confidently reach the finish line.” - Samir & Darlene Rashed

Connect with Samir & Darlene Rashed:

Website: https://www.cfgohio.com/ 

Facebook: https://www.facebook.com/cfgohio 

Twitter: https://x.com/CFGOhio 

Instagram: https://www.instagram.com/cfgohio/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Jess Ford is a seasoned professional in the mortgage industry. Born and raised in Detroit, Michigan, she began her career in 2010 as a loan officer after studying business at Eastern Michigan University. During her time at one of the largest consumer direct mortgage lenders in the country, she discovered her passion for learning and development, gaining experience in training, sales coaching, and underwriting.

In 2013, Jess expanded her knowledge by earning credit certifications as a homeownership coach, where she educated potential borrowers, especially those with below-average FICO scores, preparing them for mortgages. Later, she transitioned to business-to-business mortgage lending, training and coaching hundreds of account executives and assisting mortgage brokers nationwide to expand and grow their businesses. She is known by her colleagues as hardworking and ethical, with an unwavering dedication to excellence and integrity. She has a solid reputation for meeting her clients' needs in a pleasant, prompt, and professional manner, maintaining confidentiality and providing a transparent process. Currently, Jess serves as a business development consultant and a licensed loan originator.

In this episode, Dante and Jess discuss:

• Leadership approaches in sales accounting for personal factors and adult learning styles
• Emphasizing ethics and integrity by prioritizing client interests over profits
• Developing diverse salespeople and grooming future trainers
• Maintaining a growth mindset through consistent training and tailored communication
• Coaching with a focus on being a "good human" in business practices

Key Takeaways: 

• A successful career is built on passion, ethics, and a commitment to client service, forming the foundation for long-term success.
• Effective leadership hinges on understanding the personal lives of salespeople, identifying issues, and guiding them back to core principles.
• Recognizing and adapting to individual learning styles is essential, as adult brain development significantly impacts learning capacity.
• Differentiating through superior client service, integrity, and ethics ensures a business thrives by prioritizing customer interests over profit.
• Leaders who prioritize consistent training and clear communication foster growth in their teams, enabling diverse salespeople to reach their potential and become future trainers.

“So, when it comes to coaching, training, and leadership, it's all about the attention to detail and the cadence of the coaching cycles. Each person needs something a little different, and it's our job as coaches and leaders to figure out what it is on that individual level and then build them a multilevel coaching platform to work through. If we can do that, as coaches and leaders, we're going to produce some really, really good salespeople—some honest salespeople—but we're also going to build a lot of leaders at the same time.” 

- Jess Ford

Connect with Jess Ford:

Website: https://www.kscopeconsultants.com/ 

LinkedIn: https://www.linkedin.com/in/jess-ford-0020955/ 

Facebook: https://www.facebook.com/JFordConsulting 

Instagram: https://www.instagram.com/jford_consulting/ 

Email: jessford@kscopeconsultants.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgi

Paige Zautcke is an experienced Account Executive for Open Mortgage Wholesale, specializing in Non-QM and Portfolio Non-Agency programs. With over 20 years in the mortgage industry, Paige has spent the majority of her career working with mortgage brokers and bankers, helping them guide borrowers toward homeownership and building stronger communities. Her background also includes roles as a licensed Real Estate Salesperson and Senior Mortgage Operational Specialist at a global bank. 

An alumna of the University of Arkansas-Fayetteville, Paige currently resides in Florida with her family. When she’s not helping clients achieve their dreams of homeownership, you’ll likely find her beachside or poolside with a good book, or enjoying the company of friends.

In this episode, Dante and Paige discuss:

• Non-QM loans help self-employed buyers own homes
• Mortgage brokers guide and educate on non-QM options
• Homeownership strengthens communities
• Understanding rates and underwriting eases the mortgage process
• Smart real estate investing requires research and control over emotions

Key Takeaways: 

• Non-QM and portfolio programs provide flexible lending options for self-employed borrowers, offering alternatives to traditional financing.
• Mortgage brokers and loan officers play a vital role in guiding borrowers toward homeownership while also transforming communities through their expertise.
• Getting pre-approved and receiving financial counseling before house hunting ensures smoother transactions and sets realistic expectations for buyers.
• Understanding the mortgage process—from focusing on payments over rates to the role of underwriters—can reduce stress and help avoid common misconceptions.
• Thorough research and careful planning are essential for real estate investing, helping avoid impulsive decisions based on emotions.

“It's my job to provide the opportunity for loan officers and processors to learn my products, system, and process, which helps create a smoother, more enjoyable loan experience. I love teaching loan officers and processors something new, especially when someone comes to me who has never done a Non-QM product before. It excites me to help clear up the misconceptions about Non-QM products. And when it comes to buying a house, before you find a realtor or even look at homes, find a loan officer like Dante—someone you can talk to thoroughly about your finances, job history, and everything that can impact the underwriter's decision.” 

- Paige Zautcke

Connect with Paige Zautcke:

LinkedIn: https://www.linkedin.com/in/paige-zautcke-ab17a149/ 

Phone: 414-699-8333

Email: paigezautcke@openwholesale.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

H. Edward Gallatin, MBA, CPA, CTRS, a lifelong resident of the Wabash Valley is a distinguished professional with extensive academic background and a profound commitment to his community. With a foundation from Indiana State University including a Bachelor of Science in Political Science (1980), Bachelor of Science in Accounting (1996), and a Master of Business Administration (1998), Mr. Gallatin imparts wisdom as an Accounting and Finance educator at Indiana State University and is a sought-after guest speaker on Personal Finance and Tax Strategies. 

Operating under the banner of H Edward Gallatin CPA, his firm is situated at 18 S. 5th Street, Terre Haute, Indiana, serving the diverse needs of individuals and small businesses within the Wabash Valley. With a distinguished certification as a Certified Tax Resolution Specialist (CTRS), Mr. Gallatin offers personalized, confidential assistance in addressing IRS-related issues, standing in stark contrast to the impersonal promises of national firms.

In this episode Dante and Edward discuss:

• Tax-saving strategies like cost segregation and 1031 exchanges
• The value of proactive CPA partnerships and regular meetings
• Tax benefits of cost segregation and stepped-up basis at inheritance
• Real estate professional status and rental loss deductions
• Choosing advisors who offer proactive advice, not just compliance work

Key Takeaways: 

• Real estate investors can leverage tax-saving strategies like cost segregation and 1031 exchanges, which offer significant benefits to reduce taxable income.
• Regular, proactive CPA meetings are essential, helping real estate investors navigate tax laws and make informed financial decisions throughout the year.
• Qualifying as a "real estate professional" provides investors the advantage of deducting rental losses against income, bypassing AGI limitations.
• Advisors should be chosen not just for their compliance skills but for their ability to offer strategic, forward-thinking advice tailored to real estate investments.
• Ignoring tax filings can lead to severe consequences, including forfeited refunds and potential legal action; professional assistance is crucial in avoiding these risks.

“I think the biggest thing is cost segregation. Even those who are aware of it often think, ‘Well, I don’t own a big office complex or a mall.’ However, you can use cost segregation on residential rentals as well, which is often overlooked and can result in significant tax savings. For those playing the long game in real estate, the 1031 exchange is probably the best strategy for generating what I call generational wealth. It’s perfect for that.” 

- H. Edward Gallatin

Connect with H. Edward Gallatin:

Website: https://www.heg-taxrelief.com/ 

LinkedIn: https://www.linkedin.com/in/h-edward-gallatin-mba-cpa-ctrs-312a1354/ 

Phone: (812) 233-3989

Email: hgallatin@aol.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Erika J. Kendrick is a bestselling author, national speaker, and mental fitness expert. With a psychology degree from Stanford and an MBA from the University of Illinois at Chicago, Erika's diverse career includes being an NBA cheerleader for the Chicago Bulls and writing novels like Confessions of a Rookie Cheerleader and Appetite. She’s currently touring her bestselling middle grade books Squad Goals and Cookie Monsters, with her next novel, Instafamous, set to release on October 1, 2024.

After overcoming personal struggles, Erika founded Mental Fitness for Life, launching the "Who Moved My Happy?" tour to inspire hope through conversations about mental health. She has spoken at colleges, Fortune 500 companies, and the military, and is a Hall of Fame inductee with the National Alliance on Mental Illness. Erika has been featured on major media outlets like Good Morning America and in publications such as The Huffington Post and The Chicago Tribune.

In this episode, Dante and Erika discuss:

• Transition from cheerleading to mental health advocacy
• Managing depression and anxiety
• Impact of social media on emotional well-being
• Promoting mental wellness in communities of color
• Constructing a mental fitness plan

Key Takeaways: 

• Erika's personal narrative sheds light on the power of transformation, revealing how career changes can be catalysts for advocacy and personal fulfillment. 
• Recognizing and accepting one's mental health struggles are highlighted as the first steps towards managing depression and anxiety effectively.
• The complex relationship between social media usage and our collective happiness, cautioning against the hidden pitfalls of digital engagement.
• The pressing need for better mental health support in underserved communities, advocating for a more inclusive approach to wellness resources.
• Practical advice surfaces on how to draft your own mental fitness plan, emphasizing support systems and professional guidance as foundational elements.

“It's been incredible to be able to use a lot of my pain for good now that I'm on the other side of it and I'm thriving and not just struggling to survive. It's a tremendous blessing.” 

- Erika J. Kendrick

Connect with Erika J. Kendrick:

Website: http://xoerika.com/ 

LinkedIn: https://www.linkedin.com/in/erika-kendrick-658284127/ 

Facebook: https://www.facebook.com/erikajkendrick/ 

Instagram: https://www.instagram.com/erikajkendrick/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Joshua Mercer is a true Chicago visionary with a heart for the community and a knack for entrepreneurship. A graduate of Howard University with a degree in marketing, he later received a master's in elementary education. His journey has been marked by impactful ventures, from founding Swish Dreams Sports and Educational Foundation to pioneering the largest black bar crawl with the Movemakers. His commitment to youth empowerment and community engagement is unparalleled. Not stopping there, he ventured into insurance with the Joshua Mercer Insurance Agency, serving thousands in the Chicagoland area, and later expanded into real estate with Mercer Capital LLC, now boasting over 135 units and a luxury lounge, The Hue Chicago. Beyond business, Joshua is deeply involved in organizations like 100 Black Men and finds joy in family moments with his wife, Kenya, and their two children.

In this episode Dante and Joshua discuss:

• Joshua's motivations and journey in his diverse entrepreneurial ventures
• The shift from traditional employment to thriving as an entrepreneur
• Strategic problem-solving and partnership building across various businesses
• The pressures of entrepreneurship and the resilience needed to push through challenges
• Essential advice for aspiring entrepreneurs, including reputation management and the balance between professional growth and giving back to the community

Key Takeaways: 

• Understanding how the desire for freedom and financial autonomy can drive the leap into entrepreneurship, while also highlighting the importance of utilizing one's unique skill set to address market needs.
• The narrative of shifting from teaching to entrepreneurship accentuates the critical role of strategic problem-solving and partnership formations in cultivating business growth.
• Examining the intense pressures of entrepreneurship reveals that the immense financial and personal investment often makes quitting a viable option.
• This insightful discussion delves into the complexities of serial entrepreneurship, from sustaining brand integrity and achieving work-life balance to effective team building.
• Offering invaluable guidance for budding entrepreneurs, Mercer touches upon the pillars of a strong reputation, clear problem identification, adaptability, leadership, and the impact of giving back to the community.

“The true mark of a leader is somebody who makes other people better. You can lead from the front, the middle, or the back, but if you're not making other people better, you're not a leader.” 

- Joshua Mercer

Connect with Joshua Mercer:

Websites: https://www.movemakerevents.com/ , https://www.homecomingathoward.com/ , https://hue-chicago.com/ ,

 https://www.listwithmercer.com/

LinkedIn: https://www.linkedin.com/in/joshuamercer/ 

Facebook: https://www.facebook.com/JoshuaMercerInsurance/ 

Instagram: https://www.instagram.com/josh4insurance/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Trent Ehrlich is a seasoned insurance professional dedicated to providing personalized coverage solutions throughout Colorado. With over a decade of experience, Trent is known for his attentive customer service, unwavering integrity, and ability to simplify complex insurance concepts. He holds a Bachelor's degree in Business Administration with a concentration in Finance, which enables him to combine industry expertise with a strong financial background to offer tailored solutions for both families and businesses. Outside of his professional endeavors, Trent is an active community member, volunteering with local charities and youth organizations. He enjoys hiking in the picturesque Colorado mountains, skiing in the winter, and spending quality time with his family.

In this episode Dante and Trent discuss:

• Trent's dedicated approach to offering customized insurance solutions and the relevance of personal integrity and education in his work
• The unexpected path that led Ehrlich to the insurance sector, underscoring the importance of interpersonal connection, a positive mindset, and technological savvy
• The significant challenges confronting the insurance industry such as surging insurance rates tied to an increase in crime, thefts, and economic issues post-2020
• State Farm's strategic response to industry challenges and its success in retaining its market in high-risk areas
• Key insights for budding insurance professionals around the importance of resilience, maintaining an upbeat attitude, and not taking obstacles personally

Key Takeaways: 

• Tailoring insurance solutions to individual clients is paramount, and this is grounded in the consultant's experience and integrity.
• Success in the insurance industry can often stem from an ability to foster strong interpersonal relations, remain optimistic, and adapt to technological changes.
• The insurance landscape is influenced by a variety of factors including crime rates and economic conditions, requiring customer education and clear communication of changes.
• Companies like State Farm can succeed in challenging environments by adopting competitive strategies that address regional risks.
• Aspiring insurance agents should focus on persevering through setbacks, staying positive, and viewing challenges as stepping stones to success.

“Staying up-to-date with technology and being highly customer-focused—ensuring that customers come first and receive accurate information—are key to success. It's also important to remain optimistic and positive during challenging times, which are inevitable in the insurance industry. Staying informed about the latest technology and industry trends, and effectively communicating this knowledge to customers, is crucial.” 

- Trent Ehrlich

Connect with Trent Ehrlich:

Website: https://www.statefarm.com/agent/us/co/boulder/trent-ehrlich-1cdc678mbge 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Jesse Pettway is a Husband, Father, Firefighter Paramedic, and Licensed Funeral Director. He is a dedicated professional with a passion for guiding aspiring Funeral Directors on their journey to obtaining licensure. As an honors graduate of Malcolm X College's Mortuary Science Program, Jesse brings a wealth of knowledge and experience to the field. Who is Jesse Pettway? Jesse is more than just a licensed funeral director; he's a loving husband and father to 11 children, having experienced the heartache of losing two of them at an early age. His unique perspective and commitment to family drive his unwavering dedication to his work. Balancing Act In addition to his role in the world of mortuary science, Jesse serves as a full-time Firefighter Paramedic for the City of Chicago. 

In this episode Dante and Jesse Pettway discuss:

• Jesse's multifaceted career and his dedication to serving others in various capacities, including the often misunderstood funeral industry.
• The unexpected journey into funeral direction and the importance of pre-planning to reduce the financial and emotional burden on loved ones.
• The practicalities of life insurance planning, especially the advantages of planning early.
• A closer look into the costs and processes of burial and cremation services, challenging common myths about the industry.
• The personalized approach to providing compassionate support to grieving families, and the significance of personalizing funerals to honor the memory of the deceased.

Key Takeaways: 

• Jesse Petway showcases how personal experiences can shape professional paths, leading to a fulfilling career that blends empathy with service.
• Preplanning critical end-of-life services, like funerals and life insurance, can be an invaluable gift, easing the practical and financial stress on families during difficult times.
• Understanding the costs and processes involved in funeral services can dispel myths and bring clarity to a topic often shrouded in mystery.
• An empathetic and flexible approach towards grief can redefine the experience of morticians' interactions with grieving families, moving away from the traditional stoic image.
• There is a powerful desire to build a lasting legacy, not just through the services offered but through the impact and care imparted to each individual and the community.

“Mortuary science or death care is pretty much similar to clergy in the fact that we take care of people. The journey of grief is a long journey and it helps to have somebody with you that's familiar with that journey, so that you could get to the other side.” 

- Jesse Pettway

Connect with Jesse Pettway:

Website: https://nbeexamprep.com/home 

LinkedIn: https://www.linkedin.com/in/jesse-pettway-5340b27b/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Angelesha Jones, well known as Coach Angel, is a business development strategist and the CEO of Golden Angel Management. She helps passionate entrepreneurs gain clarity and structure in their sales departments through targeted training, coaching, and networking events. Angel's strategic guidance has empowered business owners to overcome challenges and achieve breakthrough results. She continues to make significant contributions to the growth and success of her clients while leaving an indelible mark on the business development landscape.

In this episode, Dante and Angelesha discuss:

• How early nonprofit experience shaped Angelesha’s leadership and business acumen
• Her unique coaching philosophy is based on four “I” values: Integrity, Income, Impact, and Influence
• Real-world client success stories and how Angelesha measures growth
• The biggest sales and operational challenges new and established businesses face
• The importance of documentation, accountability, and personal development in scaling a business

Key Takeaways: 

• Angelesha's early start in the nonprofit world at age 13, followed by her rise in the financial services industry, became the bedrock of her strategic coaching style. Her hands-on experience across departments gave her a deep understanding of how businesses truly operate.
• To Angelesha, sales is an act of service, not just a skill. She emphasizes that confidence, clarity, and presentation are non-negotiable elements for building trust and closing deals.
• Many new entrepreneurs struggle to identify their ideal clients and articulate their value, making it difficult to convert interest into sales. This lack of clarity often stalls their growth.
• Teams tend to underperform when there’s no clear system in place. Angelesha points out that missing documentation and inconsistent accountability are silent killers in many growing businesses.
• True progress isn’t just about hitting revenue goals—it’s also about personal evolution. Angelesha helps clients track growth through mindset shifts, consistent habits, and staying aligned with their core values.

“So I've learned through my journey that sales is service. Service is sales. You must be open and keep in the forefront of your mind that you're here to serve, you're here to help people solve problems… it all begins with ‘I..’” - Angelesha Jones

Connect with Angelesha Jones:

Website: https://goldenangelmanagement.com/ 

LinkedIn: https://www.linkedin.com/in/angelesha-jones-18041738/ 

Phone: 312-505-7629

Email: Angeljones@goldenangelmanagement.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed in are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Dr. Shadae Booker-Shelton is a distinguished Family Nurse Practitioner specializing in primary care, with a doctoral degree in nursing from Northern Kentucky University, earned in 2022. She holds a master’s degree in nursing from Governor State University and is nationally board-certified by the American Nurses Credentialing Center (ANCC). She is licensed to provide high-quality care to individuals of all ages.

In addition to her clinical practice, she is a nursing professor at Rasmussen University. She is also an accomplished entrepreneur, co-owning A & S Divine Healthcare, founding The Corner of Aspirations—a life coaching and business/entrepreneur coaching service—and serving as Vice President of the non-profit youth organization, Angel’s Helping Hand.

Passionate about education and empowerment, Dr. Booker-Shelton’s philosophy of care centers on delivering informed, high-quality care to her clients and their families. 

In this episode Dante and Dr. Booker- Shelton discuss:

• Dr. Booker Shelton's journey from the business sector to the nursing field, revealing the personal motivations behind her career change
• The rigorous training and challenges faced by nurse practitioners, and Dr. Booker Shelton's focus on building trust and realistic patient care
• Critical barriers to healthcare access, including the significance of annual exams, issues with insurance, and cultural perceptions of medical assistance
• Effective approaches for individuals and businesses to set and achieve goals, with an emphasis on balanced life coaching and operational efficiency
• The shared vision of community empowerment and the actionable steps towards democratizing healthcare access

Key Takeaways: 

• A transition to a career in healthcare can be driven by a holistic approach and a personal passion for improving patient well-being.
• Building trust with patients requires a realistic and empathetic approach, encouraging them to take an active role in managing their health.
• Understanding and overcoming barriers to healthcare is crucial in preventing chronic illnesses and improving patient outcomes.
• Life coaching and support in operational effectiveness are essential tools for individuals and businesses aiming to realize their objectives.
• Regular annual exams and affordable healthcare options play a vital role in community empowerment and preventative medicine.

“I like to let my clients know that they're the driver, and I'm the passenger. I have the knowledge and the science behind me, but I want you to take control.” 

- Dr. Shadae Booker- Shelton

Connect with Dr. Shadae Booker- Shelton:

Website: https://coaspirations.com/ 

LinkedIn: https://www.linkedin.com/in/dr-shadae-booker-shelton-dnp-fnp-bc-1a22881a9/

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Sharon E. Buck, an Amazon best-selling author renowned for her humorous cozy

mysteries with a Florida twist, balances her creative endeavors with the meticulous work of editing, formatting, and ghostwriting business books. She lives in northeast Florida close enough to the Atlantic Ocean to smell the salt air but far enough away that she doesn’t have to wash the beach sugar sand from her feet. With a prolific career spanning over a thousand newspaper and magazine articles and over twenty fiction books, Sharon has captivated audiences both nationally and internationally.

In this episode Dante and Sharon discuss:

• Balancing humorous cozy mysteries with editing and ghostwriting
• Writing a cozy mystery book each month with clean, fun content
• Providing readers with laughter and enjoyment amidst daily stress
• Creating relatable characters based on people from Sharon’s hometown
• Sharon’s daily writing routine and influences from other authors

Key Takeaways: 

• Commit to the craft by consistently putting words on the page. Even a few paragraphs a day can make a significant difference.
• Seeking inspiration from favorite authors and engaging with the writing community offers motivation and practical advice from shared experiences and diverse styles.
• Character-driven writing helps create relatable and engaging stories by focusing on the depth and development of characters. This approach allows readers to connect emotionally with the characters, making the narrative more compelling.
• Balancing creative writing with other professional endeavors is possible with dedication and time management.
• Reading from a young age can foster a lifelong passion for writing. It nurtures storytelling skills and inspires creativity.

“Commit to yourself. If you say you want to be a writer, sit down and write. Just write.” 

- Sharon Buck

Connect with Sharon Buck:

Website: https://sharonebuck.com/ 

LinkedIn: https://www.linkedin.com/in/sharonebuck/ 

Email: Sharon@SharonEBuck.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Damon Royster, originally from Chicago and now residing in Los Angeles, has made a name for himself in the world of comedy. He has written and directed sketch comedy for both Second City in Chicago and the Pack Theater in L.A. His writing has been featured on The Gag, a Comedy Central-owned LGBTQ Instagram account, the tabletop game Cards Against Humanity, and Cracked. Damon is also the creator of the award-winning web series AppQueen, which was a finalist at the 2019 Outfest Film Festival. Additionally, he co-wrote the parody play Love, Factually, which was performed at the Kennedy Center in Washington D.C. in 2018 and 2019. Currently, Damon serves as an executive assistant for the award-winning documentary production company Firelight Films.

In this episode, Dante and Damon discuss:

• Damon's multifaceted career as a writer, actor, and comedian
• Early influences and the desire to understand the formula of comedy
• The interplay between acting and writing in self-produced comedic work
• Creating comedic characters based on real-life encounters
• Damon's approach to stand-up comedy and connecting with the audience

Key Takeaways: 

• Comedy brings together the unique skills of acting and writing, drawing from personal experiences.
• Exaggerating quirks of real-life people can be a source of comedic character creation.
• Establishing a connection with the audience through personal stories is crucial in stand-up comedy.
• Aspiring actors and comedians should have a day job while constantly creating and refining their craft.
• Setting short-term goals is essential for personal and professional growth in the comedy industry.

“If you're going to go into the world of comedy and call yourself a comedian, you do need to have a little bit of both acting and writing skills, because both those things coincide with comedy.” 

- Damon Royster

Connect with Damon Royster:

LinkedIn: https://www.linkedin.com/in/damon-royster-29667540/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Osazee Thompson is a passionate motivator who believes that everyone has a specific unique purpose to fulfill in life, and a part of his purpose is to educate, empower, train, and equip business owners and their employees to be most effective, proficient, and efficient in their respective industries and fields of work. He accomplishes this through leadership development, strategic planning/goal accomplishment, financial empowerment, and legacy planning.

As a corporate trainer, instructional designer, and certified professional life and business coach, he assists corporations and organizations with the development and implementation of business leadership-related training through instructional design development and facilitation.

In this episode Dante and Osazee discuss:

•  Exploring New Real Estate Opportunities in Texas
• Creating a Realistic Financial Plan for Clients
• Tailoring Financial Strategies for Individual Goals
• Empowering Clients Through Financial Education
• Reassessing Financial Plans

Key Takeaways: 

• Discover strategies to build generational wealth and fulfill your life's purpose through investing, income strategies, and personal development
• Learn about the differences between the Chicago and North Dallas real estate markets and the growth potential in Texas
• Understand the importance of identifying your vision and purpose for your money and how to create a customized financial plan
• Explore the factors to consider when developing a financial strategy, such as personal goals, risk profile, income, and life stage
• Find out how to make better financial decisions by understanding your money personality and identifying opportunities

“ I love empowering people financially and throughout life, helping them understand and fulfill their sense of purpose. Essentially, I help people build generational wealth through investing, income strategies, and by guiding them to walk in and fulfill their life purpose.” 

- Osazee Thompson

Connect with Osazee Thompson:

LinkedIn: https://www.linkedin.com/in/osazeethompson/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Stephen Searles II, a construction pro with nearly 30 years of experience. From his early days on job sites with his father's company to full-time trade school and advanced studies in project management and civil engineering, Stephen's passion for construction runs deep. He's dabbled in real estate investing and served as a trusted general contractor for investors, all driven by his unwavering love for the craft. For Stephen, construction isn't just a job—it's a lifelong pursuit of mastery and dedication.

In this episode Dante and Stephen discuss:

• Keeping Construction Projects on Time and Budget
• Navigating Challenges in Construction Projects
• Choosing and Working with Subcontractors
• Contingency Reserves and Industry Updates
• Social Media: The Ultimate Construction Resource

Key Takeaways: 

• The importance of establishing a detailed schedule and budget to keep construction projects on track
• Challenges faced in construction projects, such as material delays and unforeseen circumstances, and the need for flexibility
• 
  
• The process of selecting and working with subcontractors as a general contractor, including competitive bids and clear scope of work
• Contingency reserves in construction projects and how contractors stay updated on industry changes
• The role of social media platforms in providing free access to the latest construction knowledge and techniques for contractors and homeowners

“ As a contractor, we always try to do our very best to, once the budget is established, we try to do our very best to make sure that we don't go over budget, because we understand that whether the client has a little amount of money or a lot of money, no one wants to spend more than what they anticipate is spending.” 

- Stephen Searles II

Connect with Stephen Searles II:

LinkedIn: https://www.linkedin.com/in/stephen-searles-ii-94433752/ 

Email: sasearlesii@gmail.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Kim Kriel has been in the mortgage industry in a variety of sales and operational roles for over 20 years. She began her mortgage career as a Loan Officer in Arizona working primarily in new construction lending. She transitioned over to Wholesale Operations and ultimately became an Account Executive. She is currently an Account Executive at TPO Go. Kim has been nationally ranked by Scotsman Guide as a top producing Account Executive. She finds it rewarding introducing new programs to her broker partners and helping them obtain the best financing options for their borrowers. Prior to her career in the mortgage industry, Kim was a high school economics teacher and cross-country coach in New York. Kim believes setting personal and professional goals along with being disciplined are the keys to success. Kim and her husband are outdoor enthusiasts who enjoy hiking national parks, playing golf and traveling.

In this episode Dante and Kim discuss:

• Building Lasting Client Relationships
• Achieving Sales Goals Through Teamwork
• Challenges Facing the Mortgage Industry
• Navigating the Mortgage Industry Involves Managing Remote Work and Building Team Trust
• Mentorship and Adaptability: Keys to Success

Key Takeaways: 

• Discover the importance of working with a knowledgeable real estate agent and lender when buying a home and learn how to build and maintain client relationships by addressing their unique needs and preferences
• Explore strategies for servicing mortgage clients nationally and adapting to post-pandemic changes
• Gain insights on setting and achieving sales goals through leveraging strengths and involving the team
• Recognize the challenges faced by the mortgage industry in attracting talent and staying relevant
• Understand the impact of business fluctuations on staffing and the need for adaptability in the mortgage market

“ So, kind of just figuring out what makes your customers tick and what their business needs are and how I'm able to make their life easier, make their job easier and make it more profitable for them, I think that's how I've continued to develop and maintain the relationships that I've had over the last 20 years.” 

- Kim Kriel

Connect with Kim Kriel:

Website: https://www.tpogo.com/ 

LinkedIn: https://www.linkedin.com/in/kim-kriel-17a5a820/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

John Rogers is a seasoned professional with decades of experience in the Mortgage Lending Industry. Joining ACRAnet in 2016, his passion for the industry and keen attention to detail have always driven him to find the best product solutions for every situation. He delves into the complexities of the credit system and its profound impact on consumers. With insights honed from years in the industry, he discusses charged-off debts, credit scores, disputes, and the vital importance of maintaining good credit.

He shares his experiences emphasizing the significance of representation and the pursuit of one's passions. Ultimately, his goal is to empower everyone to solve credit problems, achieve homeownership, and live their best lives.

In this episode, Dante and John discuss:

• Understanding Credit Scores: Enigmas and Algorithms
• Credit Disputes: Impact and Best Practices
• Discipline and Vigilance in Maintaining Credit and the Strategies for Dealing with Creditors
• The Broken Credit System and The Evolving Landscape of Credit Scores
• Strategies for Avoiding Credit Headaches

Key Takeaways: 

• Gain insights into the enigmatic nature of credit scores and the factors that can impact them
• Discover how high credit utilization on low-limit credit cards and late payments can negatively affect credit scores
• Explore the impact of credit disputes on credit scores and how new score models will handle disputes differently
• Learn the key principles of maintaining good credit, including discipline, treating credit as an asset, and being proactive
• Understand the importance of persistence and discipline when dealing with creditors and how to achieve desired results

“ So, I would say that for maintaining credit, number one, be disciplined. So, I think discipline is a big part of being a good consumer and to get positive use out of it.”  - John Rogers

Connect with John Rogers:

Website: https://www.acranet.com/ 

LinkedIn: https://www.linkedin.com/in/john-l-rogers-ccs-7861b164/ 

Email: john.rogers@acranet.com   

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

John Andrade, a seasoned entrepreneur and commercial relationship manager in the banking industry, brings a wealth of expertise in small to medium-sized business financing strategies. With a background in owning and selling businesses, including a successful online car buying service, he offers valuable insights into maximizing cash flow and accessing capital for business growth. John's extensive experience in equipment finance, SBA financing, and conventional lines of credit, combined with his role as a business banking consultant, positions him as a trusted advisor for business owners seeking financial guidance. His commitment to building strong business relationships and his alter ego, John the bomb, reflect his dedication to empowering entrepreneurs through strategic financial management.

In this episode Dante and John discuss:

• Assessing Business Owners for Funding
• Importance of Financial Documentation for Business Tax Returns
• Understanding Financial Statements for Business Lending, Creative Financing and Business Structuring
• Pitfalls of Small Business Mentality and the Importance of Mentorship
• Utilizing Technology for Business Organization and Efficiency

Key Takeaways: 

• Develop robust strategies for small business financing to fuel growth and stability
• Establish strong and effective business banking relationships to optimize financial operations
• Embrace the importance of mentorship in entrepreneurship for invaluable guidance and support
• Maximize cash flow to drive business growth and achieve financial resilience
• Harness the power of technology to enhance business efficiency and streamline operations

“ The biggest pitfall is just not knowing what it really takes to build an actual business and then how capital and resources and the right partnerships will make sure that at the table that you have at your conference room, you have the right people in place to then guide you to get to the next level.” 

- John Andrade

Connect with John Andrade:

Website: https://www.go4ceo.com/ 

LinkedIn: https://www.linkedin.com/in/johnandrade/ 

YouTube: https://www.youtube.com/@Go4Ceo 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Martha Chavez is an experienced financial coach with a passion for simplifying complex financial concepts. As an immigrant who moved to the US at a young age, Martha has a deep understanding of the challenges individuals face in achieving financial stability. With a natural affinity for mathematics and systems, she found her calling in the finance world, specializing in demystifying accounting, finance, and insurance for her clients.

Martha's approach is centered around fostering a comfortable and non-intimidating environment, often initiating discussions over a casual cup of coffee to understand her clients' financial aspirations and concerns. Her focus on breaking down large financial goals into manageable, quick wins has empowered numerous clients to build their financial muscle and achieve lasting financial success.

In this episode, Dante and Martha discuss:

• Importance of Discipline in Managing Finances
• Sacrifice and Delayed Gratification
• The DIME Method for Insurance & Affordable Life Insurance Options
• Setting Financial Goals
• Goal Maneuverability

Key Takeaways: 

• Master financial coaching techniques for beginners to accelerate your path to financial success
• Understand the crucial role of financial literacy in society and how it can impact your financial well-being
• Learn effective strategies for organizing personal finances to gain control and achieve your financial goals
• Discover the benefits of cash-value life insurance policies and how they can contribute to your financial security
• Gain insights into setting realistic financial goals and tracking progress to ensure steady financial growth

“ Basically, life insurance is income replacement. We can't replace the person, but we can replace the income. Imagine the feeling that if you're not here 40 to 50 years from now, your children and grandchildren will still benefit and live off the sacrifices you made today and the choices that ensure their financial future.” 

- Martha Chavez

Connect with Martha Chavez:

Website: https://app.elify.com/vbc/3cd9j3e8xx 

LinkedIn: https://www.linkedin.com/in/marti567/ 

Facebook: https://www.facebook.com/marti567 

Twitter: https://twitter.com/marti567 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Lola Jefferson, a licensed real estate agent at RE/MAX Realty for 17 years, specializes in providing expert guidance to first-time homebuyers navigating the intricate real estate market. With a comprehensive understanding of strategies for winning bidding wars, the critical importance of credit scores in home buying, and the benefits of obtaining pre-approval for mortgages, Lola offers invaluable insights to potential buyers. Her in-depth knowledge of the challenges posed by the current housing market, such as inventory shortages and fluctuating mortgage rates, equips clients with the necessary tools to make informed decisions. Lola's unwavering commitment to delivering exceptional service and empowering individuals underscores her reputation as a respected and knowledgeable professional in the real estate industry.

In this episode, Dante and Lola discuss:

• Challenges for Buyers
• Benefits of Obtaining Pre-approval for a Mortgage
• Choosing the Right Loan Officer
• Winning Bidding Wars
• Lola’s Motivation for Entering Real Estate

Key Takeaways: 

• Master winning strategies for navigating a bidding war in the competitive real estate market
• Uncover the crucial role of credit scores in the home-buying process, and how it impacts your purchasing power
• Discover essential tips tailored for first-time home buyers to confidently navigate the complex real estate market
• Learn the art of selecting the right real estate agent to guide you through the intricate process of home buying
• Unlock the benefits of obtaining pre-approval for a mortgage, empowering you in your quest for the perfect home

“ When I became a Realtor, I saw how underrepresented people were in the market. I saw people closing and saying they didn't think their agent cared about them, they didn't think their lender cared about them. Everyone just wanted to get paid. It felt like everyone had a payday at closing except for me. When I became a Realtor, I just wanted to make a difference and change how we're viewed, which I think I've done. I've closed over 200 homes in my career.” - Lola Jefferson

Connect with Lola Jefferson:

Website: https://www.remax.com/real-estate-agents/lola-jefferson-naperville-il/100041066

LinkedIn: https://www.linkedin.com/in/lolajefferson/ 

Facebook: https://www.facebook.com/PleasedToBeYourAgent/ 

Instagram: https://www.instagram.com/pleasedtobeyouragent/ 

Phone: (708) 296 7430

Email: Lola@PleasedToBeYourAgent.com 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Paula R. Jenkins is the dynamic Founder & CEO of LFS Consulting LLC, specializing in Leadership and Financial Success. A certified coach, DISC and EI consultant, and Licensed DEI Trainer, she empowers individuals and organizations to lead with authenticity. Known for her charisma and communication expertise, Paula inspires leaders to grow through empathy, clarity, and purpose. With over 20 years of experience in HR Outsourcing and Benefits, she’s partnered with numerous Fortune 500 companies. Now a sought-after speaker and trainer, Paula is writing a book on authentic leadership and is driven by her mission to change the world one conversation at a time—building stronger leadership, financial success, and inclusive workplaces everywhere.

In this episode, Dante and Paula discuss:

• A health crisis pushed Paula to leave corporate life and launch LFS Consulting
• What it means to lead authentically in today’s workplace
• The biggest challenges leaders face in Fortune 500 companies
• The critical role of communication, empathy, and emotional intelligence in leadership
• How diversity, equity, and inclusion are deeply tied to everyday leadership, not just checkboxes

Key Takeaways: 

• Leadership is not about power—it’s about service. You don’t need a fancy title to lead; influence comes from how you show up and support others.
• A severe health scare became Paula’s wake-up call. It forced her to reevaluate her priorities and ultimately inspired her to launch LFS Consulting with a focus on purpose and well-being.
• Trust, respect, and clarity all begin with communication. More than just exchanging information, effective communication builds the foundation for meaningful leadership.
• Diversity, equity, and inclusion aren’t optional extras—they’re central to real leadership. When practiced intentionally, they shape healthier, more dynamic organizational cultures.
• Emotional intelligence and self-awareness separate good leaders from great ones. Understanding your strengths and growth areas equips you to lead with authenticity and resilience.

“Everything begins and ends with communication.” - Paula Jenkins

Connect with Paula Jenkins:

Website: https://lfsconsult.com/ 

LinkedIn: https://www.linkedin.com/in/paulajenkinslfsconsulting 

Facebook: https://www.facebook.com/LFSConsultingLLC/ 

Instagram: https://www.instagram.com/paula.racquel1/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed in are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Hector Arroyo is a licensed insurance agent, real estate agent, and former licensed mortgage professional with extensive experience in the industry. His career has spanned multiple markets, providing him with a wealth of knowledge and expertise in real estate and insurance. Hector's dedication to educating and empowering clients, particularly first-time homebuyers, is evident in his approach. He is committed to ensuring that individuals receive comprehensive guidance on insurance coverage, leveraging his profound understanding of the intricacies of the real estate and insurance sectors. With a focus on client education and informed decision-making, Hector plays a vital role in facilitating a deeper understanding of insurance protection within the home buying process.

In this episode, Dante and Hector discuss:

• Current Texas Real Estate Market
• First Time Home Buyer Tips
• Hector's Insurance Agent Role
• Responsibilities of Homeownership & Understanding Home Insurance Coverage
• Exploring Insurance Discounts

Key Takeaways: 

• Understand the latest real estate market trends in Texas and gain insights into potential investment opportunities
• Learn how to assemble a financial team tailored specifically for first-time homebuyers to navigate the complexities of purchasing a home
• Explore the housing inventory and lease market to make informed decisions about renting or buying a property
• Gain an understanding of the importance of insurance coverage education and how it can protect your new home investment
• Discover the various discounts and benefits available in insurance to maximize your coverage and save on costs

“ When you have the other person on the table signing documents and they look up and they smile at you and they’ll say 'Thank you for making my dream come true'. If that doesn't put goosebumps in your heart and your soul, don't be in this industry. And this is why Dante and I have worked together for so many years, because we both feel the same passion for serving clients at 100%.” - Hector Arroyo

Connect with Hector Arroyo:

LinkedIn: https://www.linkedin.com/in/hector-arroyo-b92ba11a8/ 

Email: Hectorarroyo@Allstate.com 

Phone: 512-537-5021

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Kenneth Townsend is a multi-faceted individual who thrives in the corporate as well as the entrepreneurial world. Kenneth is a seasoned cybersecurity executive with over 20 years of experience across diverse industries and has become a trusted advisor, speaker, and leader in the cybersecurity community.

Kenneth has recently founded his cybersecurity firm where he provides tailored cyber advisory services to small and medium-sized businesses.

Beyond the technical world, Kenneth and his wife Angela own and operate two Robeks smoothie and juice restaurants in Plainfield and Orland Park, Illinois. Robeks is a place for unique and freshly prepared smoothies, juices, acai bowls and handcrafted toast.

In this episode, Dante and Kenneth discuss:

• Multiple Streams of Income
• Pros and Cons of Franchising
• Staffing Challenges
• Strategic Hiring and Delegation
• Mentorship and Real Estate

Key Takeaways: 

• Learn how franchising can accelerate business growth and maximize profits for new entrepreneurs
• Overcome staffing challenges in smoothie shops and ensure operational efficiency
• Discover the stability and potential returns of real estate as a lucrative investment option
• Implement strategic hiring strategies to drive business expansion and success
• Uncover the critical role of location in achieving business success and growth

“ You can do good on your job alone. There's no shame in just having your job, putting food on the table and having a long career. Entrepreneurship may or may not be for everybody. I just think it was just us. It kept nagging at us, "Hey, what is it that we should be doing?” - Kenneth Townsend

Connect with Kenneth Townsend:

LinkedIn: https://www.linkedin.com/in/kenneth-townsend-cissp-7094734/ 

Instagram: https://www.instagram.com/thesmoothiecouple/ 

Facebook Plainfield: https://www.facebook.com/RobeksPlainfield/ 

Facebook OrlandPark: https://www.facebook.com/RobeksOrlandPark/ 

Email: angela.kenneth.townsend@robeks.net 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Mario Lambert II believes that when done right, business can be a catalyst for good in the world. Individuals thrive when they trust their leader and feel connected to a worthy mission. His belief fuels his drive to help ambitious people and organizations strive to reach their full potential and contribute to their communities.

With over 20 years of leading diverse business development teams and helping hundreds of companies with workforce solutions, Mario is an ongoing practitioner and lifelong learner. He drives positive energy, passion, and realistic optimism with an authentic voice that focuses on personal and professional development.

Mario credits an imperfect and loving upbringing, mentors, and coaches for helping him believe in possibility and find opportunity in every moment.

Mario leads a dynamic team of 30 people as Vice President of Business Development for Populus Group, a growing workforce solutions company and one of the largest minority and veteran-owned businesses in the staffing industry.

As a speaker, trainer, and consultant, he shares his story and seeks to help you and your organization build upon yours. His facilitation style creates a trusting environment that gives space to challenge how people can become better together.

In this episode Dante and Mario discuss:

• Impact and Purpose of Entrepreneurship
• Championing Diversity and Inclusion
• Finding Joy in Empowering Others
• Mario’s Future Plans & Lifelong Learnings
• Entrepreneurial Inspiration and Mindset

Key Takeaways: 

• Learn the importance of helping others for success in business and personal growth
• Discover the parallel between sports and business, and how it can lead to success
• Explore strategies for overcoming adversity and seizing opportunities in entrepreneurship
• Embrace the value of hard work and dedication for a successful career
• Master the art of leveraging voice to create opportunities in business and beyond

“ My why is helping people connect to a higher purpose. And that purpose centered within their faith and also centered around connecting with other people of like minds. I've spent a lot of my career building teams. I love it. I love the concept of that. And then helping them reach their potential. So, my end result goal is that people are a part of something greater than themselves.” - Mario Lambert II

Connect with Mario Lambert II:

Website: https://www.populusgroup.com/ 

LinkedIn: https://www.linkedin.com/in/mariolambert/ 

Facebook: https://www.facebook.com/populusgroup 

Instagram: https://www.instagram.com/populusgroup/ 

Twitter: https://twitter.com/populusgroup 

YouTube: https://www.youtube.com/channel/UC-O9v1hz-Q4OW0Ze0b9O_sg 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Mensah K. McCadd is a Husband of 21 years and Father of three children. He is also a graduate of the Joseph School of Business & Entrepreneurship and Living Word School of Ministry. He is also a Licensed Real Estate Broker with eXp Realty, a member of the Mainstreet Organization of Realtors for 20+ years, Licensed General Contractor, Builder, Expert Real Estate Developer, Landlord and a Former State Farm Agent. Prior to his real estate career, he was a loan professional, Check Fraud Team Leader for Northern Trust Bank, and he was top of his field in Telecom at At&t and Enterprise Software and Computer Sales with CDW. He Left CDW in December of 2007 to purchase full time real estate Investing and hasn’t looked back since!

Mensah is passionate and truly cares about helping homeowners as he himself was faced with pre-foreclosure during the 2008 recession. He has saved hundreds of homeowners from foreclosure as well as purchasing homes inherited by new owners not wanting the burden of renovating and traditional ways of selling their real estate.

Presently, Mensah is worth Multi Millions from implementing strategies such as Wholesales, short sales, Buy & Hold, Fix and Flip, and Acquiring Property “Subject To” the Existing Financing, Multifamily Rentals, and Scavenger Tax Sale. has always been a believer in not just helping other buyers, homeowners and investors acquire and sell property, he is a huge advocate of being completely hands on, cutting a new path by giving back to the public by teaching the very strategies that he has had success with over the years!

In this episode Dante and Mensah discuss:

• Pros and Cons of Off-Market Deals
• Wholesaling in Real Estate
• Pros and Cons of Short-Term Rentals
• The BRRRR Method
• The Power of Flexibility and Leverage

Key Takeaways: 

• Gain insight into diversified real estate investing strategies to optimize your portfolio and maximize profits
• Uncover the untapped potential of finding off-market properties to gain a competitive advantage in real estate investing
• Evaluate the pros and cons of different real estate investing strategies to make informed and strategic investment decisions
• Master the art of leveraging loans for real estate to amplify your investment opportunities and financial returns
• Explore the advantages and disadvantages of cash versus lending in real estate to make sound financial decisions in your investment endeavors

“ Real estate is always about leverage and control, not about cash. Wholesaling is about control and leverage because you're not using any cash.” - Mensah K. McCadd

Connect with Mensah K. McCadd:

Website: https://www.titaniumholdingsinc.com/ 

LinkedIn: https://www.linkedin.com/in/mensah-mccadd-9a674a19/ 

Facebook: https://www.facebook.com/titaniumholdingsRE 

Instagram: https://www.instagram.com/m.mccadd/ 

Email: mensah@titaniumholdingsinc.com  

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

In this episode, Dante Royster discuss:

• The most likely buyer to serve
• The type of special mortgages that Dante prefers to write
• How Dante’s approach to coaching helps his clients fit into the guidelines
• Dante’s philosophy when it comes to servicing clients

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Some of the common questions that Dante is likely to get and that the listeners are likely to ask

In this episode, Dante Royster discuss:

• Can a client get a mortgage if his credit is less than perfect and his score is under 600
• Can a couple dating for 3 years buy something together even if they are not married
• Can a client secure a mortgage if he has a good income but mostly in tips
• Is it possible for parents to gift their child some money for a downpayment and closing costs
• Other attractive options for 1st-time homebuyers

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Mortgage Strategies delves into various mortgage strategies tailored to individual financial situations. Dante emphasizes the uniqueness of each mortgage, debunking the idea of a one-size-fits-all approach. The chapter covers strategies for first-time homeowners, down payment assistance, lease options to purchase, partnerships, group mortgages, the "Buy Now" approach, reverse mortgages, temporary 2/1 buydowns, and renovation loans. Each strategy is illustrated with real-life examples, offering a comprehensive guide to potential homebuyers.

In this episode, Dante Royster discuss:

• The most common strategy when it comes to getting a mortgage.
• The MUSTS when it comes to determining the best strategy for getting a mortgage.
• How mortgage brokers fit into the process of the alternatives to getting a mortgage.
• Some key elements to consider with first-time homebuyers versus seniors.
• The potential strategy for obtaining a mortgage if someone is looking for an investment property to fix up.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

"What’s the Rate?" explores the common obsession with interest rates when considering mortgages. While interest rates are important, the primary focus should be on whether one can afford the monthly mortgage payment, considering additional costs like taxes, insurance, and PMI.  Dante advises regular reviews of financial situations and encourages readers to focus on what they can control, emphasizing the significance of budgeting for successful homeownership.

In this episode, Dante Royster discuss:

• Guiding clients in finding a balance in the tension between prioritizing interest rates and the affordability of monthly payments.
• Assisting clients in staying informed about new products or programs that could impact their mortgage.
• The best advise for clients that have differing priorities when it comes to seeking a mortgage.
•  Examples of steps you've taken with clients to help them manage factors within their control during the mortgage process

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

"Taking Responsibility," emphasizes the importance of personal responsibility in obtaining a mortgage and achieving homeownership.

Dante discusses the role of mortgage brokers in guiding clients but highlights that brokers cannot save individuals from poor financial choices. The chapter narrates a real-life scenario with Judy and Mike, illustrating how, despite their desire to borrow against home equity, they were advised against it due to financial constraints. Dante stresses the need for individuals to take responsibility for their spending habits, make conscious financial decisions, and set specific and achievable goals using the SMART method.

In this episode, Dante Royster discuss:

• Guiding customers in taking responsibility for their financial goals.
• Dante’s valuable insights into how mortgage brokers assist clients in improving these aspects to enhance their mortgage eligibility.
• Collaborating with clients to establish specific, measurable, attainable, relevant, and time-based goals for their homeownership journey.
• Examples of how brokers helped clients implement effective budgeting strategies to achieve their financial goals.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

The chapter emphasizes the importance of aligning financial goals with lifestyle choices when seeking a mortgage. The chapter stresses the psychological aspect of homebuying, urging readers to evaluate their true lifestyle preferences and not be swayed by external expectations. The role of a mortgage broker is presented as not only securing a loan but also helping clients achieve a lifestyle that suits them.

In this episode, Dante Royster discuss:

• Ways on how brokers help in the fine balance between financial considerations and emotional and psychological aspects of a homebuying decision.
• How brokers guide their clients through the decision-making process.
• How common is it for individuals to overlook reality when purchasing a home.
• Dante’s experience on how peer pressure influence individuals' choices when it comes to the type of home and neighborhood they aspire to live in.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Brandon Harrington is a native of Broadview, Illinois, and a proud Chicagolander. He graduated from Truman State University in Kirksville, MO, in 2003 with a Bachelor of Science degree. Shortly after, he embarked on his career in the mortgage industry. Since 2004, this seasoned professional has navigated the dynamic world of real estate financing, building a wealth of experience at renowned institutions like HSBC, Chase, and PNC. Now specializing in private money lending, Brandon empowers real estate investors pursuing fix-and-flip projects and acquiring rental properties. His deep understanding of market nuances and financial intricacies makes him a valuable resource for those navigating the ever-changing landscape of real estate investing.

In this episode, Dante and Brandon discuss:

• The evolving landscape of real estate investing and private money lending
• Key investment strategies, including fix-and-flip, short-term rentals, and long-term rentals
• Overcoming challenges in today’s market, such as high interest rates and low inventory
• Creative financing options for real estate deals, like leveraging retirement accounts and HELOCs
• Practical tips on analyzing investment deals and managing rental properties

Key Takeaways: 

• Real estate investment emerges as a strategic pathway to financial independence, with countless millionaires attributing their wealth to property ownership. This underscores the timeless appeal of real estate as a cornerstone of long-term financial planning.
• Private money lending takes center stage as a practical solution for investors looking to swiftly acquire and renovate properties. In competitive markets, it serves as a dynamic tool to secure deals that would otherwise be lost to traditional financing delays.
• Short-term rentals, like Airbnb, redefine profitability in real estate by generating income significantly higher than traditional long-term leases. This trend highlights a shift in consumer preferences, where unique and flexible living experiences are in high demand.
• Deal analyzers and platforms stand out as essential resources for real estate investors. By offering structured ways to evaluate potential deals, they minimize risk and empower informed decision-making, even for beginners.
• Creative financing methods, such as leveraging retirement accounts or using home equity lines of credit, can unlock potential deals that might otherwise seem unattainable.

“You can definitely be successful and generate some income for yourself and wealth for your family by doing fix and flips. The key in this market today is definitely analyzing your deal, making sure that you have a good deal that's going to produce the profits that you need at the end.” - Brandon Harrington

Connect with Brandon Harrington:

Website: https://fmsinvestor.com/ 

LinkedIn: https://www.linkedin.com/in/brandon-harrington-71189677/ 

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight 

Email: dante@epic.mortgage

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed in are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Angelo Paul Tagama

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Chapter 4 of "The Ultimate Mortgage Guide" highlights the unknown costs associated with purchasing a home, including closing costs, home inspection fees, appraisal costs, escrow fees, title insurance, mortgage insurance, homeowners association fees, transfer tax, and other miscellaneous expenses.

In this episode, Dante Royster discuss:

• The specific role of a mortgage broker in helping clients prepare for unknown costs, and how he ensure they are well-informed about all potential expenses.
• Dante’s kind of flexibility in customizing mortgage solutions for clients with unique financial situations.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

In this chapter, Dante stresses the importance of careful preparation and planning in the mortgage application process, advising potential homebuyers to consult a broker for guidance. The narrative explores various aspects, including credit scores, debt-to-income ratio, down payments, and the impact of financial habits on mortgage eligibility. In this chapter, Dante shares real-life examples to illustrate the complexities of the process and emphasize the need for responsible financial behavior.

In this episode, Dante Royster discuss:

• Some key elements that you as a mortgage broker need to discuss with your clients.
• Insights into the role of a mortgage broker in simplifying the mortgage application process, as suggested in the text.
•  Dante’s experience and wisdom relating to credit repair agencies.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Chapter 2 emphasizes the crucial role of mortgage brokers, highlighting the potential pitfalls of attempting to secure a home loan without their expertise. The chapter explores common misconceptions about mortgage brokers' costs and the importance of understanding how they are compensated. It underscores the invaluable assistance mortgage brokers provide in navigating the complex landscape of mortgages, emphasizing their specialized knowledge, established lender relationships, and ability to find the best mortgage options tailored to individual needs.

In this episode, Dante Royster discuss:

• Ways on how the involvement of a mortgage broker can make a significant positive impact on a client's mortgage experience.
• The key questions that prospective homebuyers should ask when vetting mortgage brokers, especially concerning fees, commissions, and the broker's approach to finding the best mortgage for their specific needs.
• Insights into how a mortgage broker's expertise is particularly valuable when navigating these different mortgage products and helping clients choose the most suitable option.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://bison-primrose-e28y.squarespace.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

Mission Statement: Epic Spotlight shines a light on the truths behind love, happiness, health, and wealth. Hosted by America’s Mortgage Expert and author Dante Royster, this podcast delivers bold insights to help you grow and build your most epic life.

The 9 states that Epic Mortgage is licensed are: Illinois/Indiana/Michigan/Colorado/Maryland/Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Dante Royster, a seasoned mortgage broker and the author behind "The Ultimate Mortgage Guide," is a dynamic professional dedicated to transforming lives through financial empowerment. With a career spanning over two decades, Dante's journey in the mortgage industry began in 2002. 

Dante's foray into the mortgage industry coincided with the challenging real estate collapse of 2007. Determined to persevere, he founded his first business, Full Court Services, showcasing his grit and determination to navigate the financial turbulence. This initial venture provided crucial lessons in resilience and resourcefulness.

Through unwavering dedication, Dante not only weathered the storm but emerged stronger, eventually establishing his second business, Epic Mortgage, a regional mortgage brokerage firm. His commitment to educating and assisting clients extends far beyond a mere transaction; he sees his role as a coach, guiding individuals through the intricate maze of mortgages to secure their dreams.

His motivation stems from the belief that mortgages are not just about numbers on a paper but about facilitating people in creating their desired lives and securing their emotional and financial future. Dante's approach is grounded in building lasting relationships and providing ongoing support, challenging the 'one-and-done' stereotype often associated with the industry.

With licensing in nine states, Dante interacts with individuals from diverse backgrounds and financial situations, utilizing his expertise to make the dream of homeownership a reality for many. His book, "The Ultimate Mortgage Guide," serves as a testament to his commitment to demystifying mortgages, offering practical guidance, and sharing real-life stories that showcase the transformative power of understanding one's financial options. Dante's ultimate goal remains steadfast: to empower individuals by making the complexities of mortgages comprehensible and achievable, thereby changing lives for the better.

Episode 1 What is a Mortgage

In chapter one, Dante introduces readers to the fundamental concepts in the mortgage industry, defining key terms such as mortgages, down payments, and collateral. The chapter explores the reasons for taking out mortgages, including property purchase, renovations, debt restructuring, and cash-out refinancing. Additionally, the chapter covers three common types of mortgages: fixed-rate, adjustable-rate (ARM), and reverse mortgages.

In this episode, Dante Royster discuss:

• The most common misconception people have about mortgages, and how can understanding these concepts benefit them
•  The risks and benefits associated with adjustable-rate mortgages (ARMs) and when might they be a suitable option for borrowers
•  The various reasons for taking out mortgages and the transformative impact of a mortgage on someone's financial situation
• The various factors that individuals and their families should consider before opting for a reverse mortgage, given the intriguing possibilities for seniors.

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: https://myepicmortgageapp.mymortgage-online.com/

Epic Mortgage Facebook Page: https://www.facebook.com/EpicMortgage1885086/?locale=hi_IN

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: https://www.linkedin.com/in/dante-royster-36b80b5/

Twitter: https://twitter.com/DanteRoyster

The 9 states that Epic Mortgage is licensed are:

Illinois/Indiana/Michigan/Colorado/Maryland

Virginia/Florida/Georgia/Texas

Show notes by Podcastologist: Arlou Argoncillo

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.