Mortgage Broker Operations: Loan Processor and Success Coordinator Tell All

All right. Welcome back to Mortgage Daddies. Today, we have Courtney and Wendy from our office to give a little bit of, uh, their point of view from the other side, dealing with all the craziness that we throw at them. Get a little insight from, uh, a loan processor and our executive success coordinator. This should be a, uh, an eventful episode. I’m not sure if we’re ready for this one. You’re not. I’m not sure. I’m Vernon. I run the top mortgage brokerage in Massachusetts with over 20 years of experience. I’m Craig. I’ve done $100 million consistently since my second full year in the business and I’m Massachusetts’s top mortgage broker. We’re the Mortgage Daddies with real advice, real stories and real results. Let’s get going. So Courtney, starting with you. What got you into the mortgage industry? You kind of grew up in it. I did and I never thought I’d be here. I always swore off mortgages. Um, my dadSo once I graduated college, I started working with him at a different company and I was just a business development representative. And then we came over to Milestone and then that’s when you guys taught me the ways of processing. And I’ve been here for 3 years now, almost three and a half. It’s been fun. Do you like processing? Yeah, it’s good. Keeps me learning every day. Do you like processing every day or, like, 10 days a month? Maybe 10 days a month. Yeah. Like right now is good time to process. Get things out of the way. Beginning of the month. Yeah. Everything’s getting closed. Yep. Everything’s clear to close, getting out of my pipeline, so it’s good. Well- What about you? There’s this tall man in the room and he saw me pretty miserable at my previous employment, uh, looked at me one day and said, “You ready for a change? “And here I am. Um, done a little variety of things here at Milestone, have, you know, couple of different roles, but feel like I can just keep moving and grooving with everything that he throws at me. What do you do now exactly at Milestone? Because you have done just about everything here at- at this point. Um, a lot of just background things. Systems, making sure people are getting into the systems they need to, getting them access to everything. That’s a lot of the day. Working with new hires, helping onboard them. Uh, working with them for the first 60 to 90 days, you know, answering their questions, getting them to the right people if I’m not the person that can answer it. You know, helping Rachel in the background with things that come through. Broker, you know, packets and getting signed up with new lenders and helping out with that kind of thing. And whatever it is that Vern throws at me or you throw at me in a day, I just try to take it all in and- and do it all. Help with call reports, all those kind of things. I mean, Craig, I had her booking my flights last night while everybody was out celebrating their early Thanksgiving next door at the bar. I was like, “Can you book my flights for this? I need to be out of here. “takes- takes care of that. She really, uh- Does just about everything for us. Yeah, I mean Wendy’s one of those people that on previous episodes we talk about where we really cross train a bunch of our people to be able to handle a lot of different jobs because, you know, with technology and the business, you never know, right? Like, really one key role in the mortgage space, right? You have the loan officer and then you have all the support. Without the support, the loan officer’s never gonna succeed. But it’s always been my- my thought, is to get everybody as much training, as much cross training that they possibly have. Wendy came from medicalInformation assistance. information and you would set those up and be out on the, on the road training people and that. So, you know, when we had a- a need for kind of training systems and things like that, Wendy was right, I saw her, she was absolutely miserable, hated to really going into work every single day so I was like, “Hey, we have this spot over here. “But what exactly would I be doing? I had no idea. And then fast-forward, how long’s it been? 4 years? Over 4 years. 4 years. Yeah. When she just said three and a half, I almost had a heart attack. I’m like, “You’ve been here for three and a half years? “It’s only been three and a half years? January, yeah. Do you like it here? Yeah, I do. What’s your favorite part of- I haven’t left yet. working here? Um- Besides lunch. Do not say lunch. I won’t say lunch even though that is the highlight of my day. Um, honestly, I think that there’s just a great support staff and I think that, like, it’s kind of like a family culture. Like, we all get along pretty well and everybody’s just, like, very supportive. Like if I ever have a problem, like I can go to somebody and like you guys support us, which is great. And I also think that, like with the technology, like all the systems that are in place are also great. Like there’s a good structure. Has it, have you seen a big difference from when you started til now with that process? Oh yeah. I mean, I think that the system we have in place right now, when someone gets into, like, you know, the application status and then into processing, into underwriting, it’s a lot better than when I first started. Like we first started with Flowify and that was like, that was pretty basic. Um, I only touched that for a little bit. Then LendingPad was a little clunky but I feel like now the system we have is like really good and I think like you guys have done a great job, and Rachel as well. And Wendy. Wendy’s an MVP us- So what’s your-both of you, what’s the worst part of your job? Is it the loan officers? Is it the people? Is it the consumers? And be honest, Courtney. I’m setting you up here. I’m setting you up. Just knock it out of the park. I don’t know if I can give my honest answer. UmIt’s really Craig. Yeah, for sure. Do you know? When Craig sends his emails with all periods and you think he’s mad at you. Yeah. I know. When you, when we get a smiley face, it’s like nice. It’s like, “Whoa, who’s typing this email? “Probably not me. ChatGBT, yeah. I don’t know if I’ve ever put a smiley face. It’s like once a year. Yeah, maybe. I must have been in a very, very good mood. It’s a givinga giving mood. What’s the biggest, like, headache of your job with dealing with what you do exactly? That’s a good question. I feel like just with sometimes just like, I mean, I’m, I do processing so I’m collecting documents. I feel like the biggest headache is getting borrowers, like, to send over the right information in a timely manner, um, and in the right format. That’s also like a big thing. Um-So I feel like with that, I don’t know, it’s justI feel like that’s my biggest pain point probably. Getting the wrong documents or- Yeah. the wrong form. Having to re-request or, like, people not answering you or they just, like, think that you’re not important because you’re not the loan officer- Mm-hmm. where they’re, like, the face of the loan, so. So if you’re listening to this and you’re buying a house, she’s the most important person to get back to. Yeah. Or- 100% agree with that statement. If you’re not- Absolutely. nice to the loan processor and get the docs that they need, your loan is gonna be held up. We’ll get it cleared to close, so. What about you? What’s your least favorite? Uh, when Vern starts asking questions, but doesn’t let you answer them and just continuously-fires them at you. So true. You’re trying to explain and answer the first 1and he’s on the third and, uh, no, uh, it’sI think it’s hard here. We put a lot of information out there and we give a lot of information to all of the staff. And I think sometimes people disregard the emails and things like that, so when they don’t read them and you’ve given them a process and then they’re coming back and asking you or they’re like, “It doesn’t work,” and you find out that they just haven’t really followed the scribe or the steps or the things that we’ve put into place for them, um, that can be challenging, because you’ve spent a lot of time putting those materials together and have to resend it out or go kind of do it step by step. Handholding, babysitting. Handholding. I do a lot of babysitting. Yeah. Wendy’s good at that. I would definitely say that is big pain. I do not have the patience forWhat is one thing you guys would each change in your day-to-day role to make your day better or make your process more streamlined? And there is no- A bubble. What is it? A bubble, so nobody bothers me. I got a little bit of a squirrel brain, so when people are walking over, you know? Do you think we should switch the offices back so ops is on that side? This was brought up to me yesterday as an idea from a loan officer and I actually- Yes, and-am not against it. Yes and no, because it’s nice, because we can shut the doors when we’re over there and nobody comes over to interrupt us, but at the same time, it’s kind of nice, like, sitting on, like, an open floor plan, like, listening to, like, just the different conversations that happen. Like, sometimes I hear Wendy going through a training and she’s talking people through stuff and it’s just, like, kind of good to hear that. But then also I can listen to somebody like Pearl, who’s taking the application up front and I know what she’s requesting from, like, borrowers. So that kind of helps, I feel like, along, like, down the line, especially when she reassigns, like, the loan to, like, myself or Sharon, I feel like. This might go back to UWM and they don’t have a realthey don’t have a lot of offices. I th- I don’t remember the number. It’s like 10 offices and they have 9,000 employees. Interesting. A bubble. I- I think it’sLike, I kind of agree with Courtney. Sometimes it’s nice to hear what other people are doing and sometimes I can hear people talking and struggling with something and I can just jump up and run over to their desk and help them, so that it’s not a call back to the client they’re working with- Mm-hmm. or it’s not them having to s- kind of stop what they’re doing and can just jump in and secretly fix whatever’s happening. Uh, there is definitely things that, you know, we have conversations or I have conversations sometimes that I don’t want other people to hear, so trying to find a space to make sure, uh, that I can have those conversations in private can sometimes be a challenge. We have the one extra office, but if there’s, you know, un- somebody in there using it, you have to kind of get creative. Interesting. I like my office. We know you do. I’m not getting my office up for any of these bubbles. Yes, you guys can get your office. We don’t want you out there, don’t worry. It doesn’t stop people from coming in and asking a million questions, butI’ve gotten really good at just shutting my door. Mm-hmm. Yeah. And honestly, having the windows on the side of it. I got to get a button that, like, I can shut it from sitting down, ’cause like half the time-I want to shut it, but I’m like- It’s so far away. I got to walk all the way over there and shut it. It’s 5 feet, yeah. It’s more than 5 feet. Oh, okay, sorry. It’s a good 15. 10. And getting people to respect your closed doors. Yeah. ‘Cause I see it with both of you whereAnd I- and I try not to do it. Yours is tough ’cause you don’t have the windows. You have the windows, so I can tap and kind of be like, “Hi, can I come in? “You don’t have that, so it’s kind of you have to h- hope that you hear me and peek in, but- Hope you’re eye in. Mm-hmm. but getting people to respect, I think, you 2 especially and Rachel. You know what you can do is go outside ’cause I have a window. Yeah. And then do it out there. Press myself against your window. It’s like 27 degrees, Wendy’s outside of the window. Yeah. “Can I come in? “Yeah, no. “Do you want lunch? “No. So, Courtney, I don’tI, I know you. I’ve known you for a long time, but I, I don’t know you, like, on a personal level. What do you like to do outside of Milestone and processing loans every single day? There’s got to be things that you’re passionate about, hobbies. Tell us a little bit about your, your personal life. Um, well, I like to work out. Um, I’m in an adult field hockey league, so that’s fun. Um, I started that after I graduated college. I didn’t play in college, so it’s a little different, but it gets very competitive. Um, I typically like to just hang out with my friends on the weekends. Like I live with 3 of girl- 2 of my girlfriends from growing up, um, and that we have a good, like, tight little group so we all still see each other pretty often. There’s 6 of us. Um, but, like, we’ll go out to dinner and grab drinks or something, or we’ll go do, like, an activity, especially, like, during, like, the different seasons. Like we went to an apple orchard, like, a couple weeks ago in September. Did that and, like, we’re doing Christmas tree lighting. You do that without kids? You just go with your friends? Yeah. I mean, there was a- Wild. I know. This was, like, a cidery, I don’t know if that’s what you call it, instead of a brewery. So it’s, it’s a little bit more for adults. So you went apple picking. I didn’t go apple picking. I just sat at theAt the bar. Yeah. Just another excuse to have more drinks. Exactly. There you go. All right. So all I’m hearing is rehab is- Sound like an alcoholic. is, is in the future for Miss Courtney. I think, yeah, everyone has a little of that in this business. I think you have to, a little bit. For sure. What about you, Wendy? What do you like to do when you’re not here, besides watch friends’ kids? True, true. My kids do call her Auntie. They are my babies, and, um, I love to spend time with, you know, friends, family, read. Um, I like to travel to new places and see the, the world, um, even if it’s just little road trips around, you know, Massachusetts or- Maine. New England. So weird. She just goes to Maine- Yeah. rather abruptly. Like she, like, stays on the coast, like anybody who doesn’t know Wendy- I like the coast. she likes to stay on the coast. Uh- She likes the ocean. I love the ocean. A lot of fishing. She likes fishing. I do. She does like fishing. She likes the outdoors. I do. Ice fishing. Tell us about ice fishing. That was actually a really great time. I, uh, went for a couple days. I didn’t evenI’ve never been ice fishing. Really? Have you? It’s fun. No. I have. Courtney has. Really? Yeah. She told me all the things I needed to bring. Like I saw, likeI’ve, I’ve seen it, like, on TikTok or Instagram or whatever, like, where they have, like, the trailers and they just, likeIt’s warm. They have, like, a bathroom. Like that doesn’t look terrible but then, like- Can’t make it too warm otherwise. a tent or a tent or a tent. Right. It’s a little scary. I’m not sure I’d want to do that though. I didn’t go to that extreme, but, you know, you have to get the auger out and dig holes in the ice, and you have the tip-ups to put in there, and you, um, hope and wait for fish to bite. So you’re not in the elements. Would you have a tent? No, we were actually just out on the ice, but, like, I was near a cabin. You could go in and out if you needed to pretty easily. Isn’t it very windy? We had a tent. I just imagine it being very windy. Oh, yeah. I’ve been out on a frozen lake before and it’s just windy all the time. Awful. I think you would enjoy it. I don’t know how much you love to be cold. I’m 100% sure I d- I would not enjoy that. No, you wouldn’t. I hate the cold. It’s very, likeNot tedious. What’s the word? Like boring, if you will. Like I feel like if it’s, like, a big party, like you have a big tent type situation. Yeah, you haveThere’s people out there. People are drinking, having some cocktails. There’s a lot of people on the ice. Yes, usually. You just have to be out of the elements. You have to be able to get out of the elements. You just need a tent. Yeah. Yeah. You can get out. With you. Right. What do you want to do in the future? You want to be a processor forever and do you want to do something different? Probably not. I don’t know. I feel like someday I would like to work my way up to, like, maybe a management type of position at some point. Um, I am good with processing for right now, but that’s not myI never dreamed of being a processor growing up, you know? But it’s fun and I learn something new every day, so I feel like maybe a management role someday. I don’t think one of us-in this room dreamed of being in the mortgage business. No. Y- you just kind of fall into it. I mean, you, out of everybody in here, because your dad being in it for 30 plus years, you kind of were destined for it. The rest of us just kind of fell into it. She just showed up to my house miserable one day and apparently I was like, “Hey, come work at Milestone. “Yeah. I mean, I think that we all grow up and you hear of the jobs that most people know about. You’re gonna be a teacher. You’re gonna be a doctor, a nurse, you know, lawyer, police officer. Like those are the big ones. I don’t think that there’s a lot of people out there that realize the broad scope of jobs that there are and options for people to get into. So, you know, a lot of times it does come down to who do you know and what do they do and how do you see yourself fit into those roles. Um, and, and I think that people need to realize that it’s okay to switch professions and careers. I did it at almost 40. Um, you know, I wasNot a time a lot of people completely up and change what they do, but you have to take what you have for skills that you’ve learned, say, in a long time career, and realize that so many of those can be transposed into a new job in a completely different field. So, you know, being able to lead and, and work with people is something that is going to help you and benefit you no matter where you go, no matter what you do. And trans- you know, taking those skills and putting them into a new area and being willing and open to learn. You know, you can do whatever you want to do. Yeah, just having the, uh, the thought of making your career change at 40 years old I think scares so many people into just pa- staying stagnant. as opposed to having the confidence to go out there, maybe make that jump that you did, make a big jump from medical sales to the mortgage business. I’m not sure I would have done that, to be honest with you, uh, at the time. know, and advocating for yourself. I mean, I, I, I know I talked to Courtney about this, and a lot of people you, like, people have to advocate for themselves all the time, right? Like, if Craig’s having a problem, he’s got to go and advocate for that problem to, to anybody for it to get better. Um, and I think both of you guys do a really good job of that. Craig definitely does if he has a problem. We all know about it. Periods on it. Smiley faces on the email. This is the first time I’ve heard about the smiley face and the periods. I don’t think I do a lot of smiley faces. He really doesn’t. It’s like what I want to hear. I get a lot of shit for my text messages because I put periods after, but it’s just a habit. You double-click the space bar when you’re done and it puts a period there. So you use punctuation in a text and people are upset? I didn’t even go to college. We need some- It’s wild. We need some exclamation points or something. You- I throw exclamation points on everything, just for fun. Well, you just have to watch out for Vern’s, not like an actual emoji, but when he does the, like, sideways, likeThe old school emojis? Yeah, the old school ones. That’s when he’s angry. If you put him in parentheses- All right if I send you a semicolon with- Parantheses. with the parentheses- Yeah. it’s uh, it’s not good. It’s not good. It’s not good. ‘Cause- ‘Cause that smiley face is, like, that’s the last dinner for you. Yeah. Yeah. We’re getting to the end. Death is- death is near. Yeah. Death is near. That- that’s a fear. Oh, no. Tomorrow’s gonna be fun. Since, since how you guys both worked at different places, what would be the, one of the biggest differences from, like, your previous places where you’ve worked and Milestone, good or bad, right? I mean, all feedback is, is, is always good. I, I was in, like, the real, like, you know, corporate. Everything had a policy, everything had a procedure, everything had almost too much structure. Um, so you didn’tEven though you could do things and be flexible, it wasn’t really something that we did often. So here, hey, you have a doctor’s appointment at 10 o’clock? Leave, go to your doctor’s appointment, come back. You’re gonna get your work done, it’s okay. You know, that type of mentality of give and take where, hey, I might work till 7:00, 8:00 some nights because it’s a deadline coming in and I have to get something done. I don’t have to worry if I then need to leave 2 hours early to go watch Olivia play a basketball game- Yeah. Yeah. because she says, “Aunty, you have to be there. “You listen to the child. She, she tells you what to do. For sure. I think that’s always been our culture here, with, it’s like everybody is all hands on deck if something needs to get done. You know, nobody’s running out of here at 5:00 if something needs to get done. And I think also everybody here is always willing to help each other, which is awesome. Like, if you have a problem on something, Sharon help you, Kevin helps you, Pearl helps you, if, you know, vice versa, if Sharon needs help, and you’ve seen it before. So I think it’s good that you guys, you know, work closely together because there’s issues that come up on things that you maybe have never seen before but the person sitting next to you has. And, you know, everybody is always willing, like, it’s not a selfish, it’s a- Yeah. everybody all hands on deck for every file, even if it’s not your file. Which is awesome. Yeah, for sure. Which is why I just put everybody on the email-see who can fix it first. I just keep forwarding the emails back to people. I’m like, “I’m not doing this. “Good luck, yeah. What’s it like working with your dad? Um, it’s fun. Uh, it’s, our relationship, uh, where we used to work before, we worked very closely together. It was a little tough because we’re the same person. We’re both, like, a little, like, strong-headed, so, like, neither of us can ever be wrong. Um, and- I don’t believe that. Knowing your dad and you, I don’t, I just don’t believe it. Yeah, no. A little bit of anger, you know, here and there. But, um, I feel like it’s gotten a lot better. We’ve learned, like, a lot of different, like, processes, just, like, with each other, like, how we communicate better now. So it’s been a lot better since we moved over to Milestone. Um, and it’s kind of nice because, like, I live on my own, so it’s just, like, nice to get to, like, kinda talk to my dad when I have, like, his files. Like, we’ll talk about them and then we’ll, like, you know, talk aboutLike, I feel like not everybody has that, like, relationship with, like, their parents necessarily. Like, we talk, my dad and I, probably, like, 4 to 5 times a week. Um, and it’s just good. And, like, I get to see him a lot more. So, ’cause we also live, like, 45 minutes away from each other. it’s been good. That’s so sweet. You put a whole plug in for Footy. So nice. He’s gonna be so proud. That’s the best. He’s so proud of you, though. It’s, it’s, it’s, it’s nice seeing him, like, talk about you and how happy he is that you’re in the mortgage business. I think part of him is probably hoping that you weren’t in the mortgage business, but now that you are, he’s, I think he’s pretty pumped about it. probably hoping that you weren’t in the mortgage business, but now that you are, he’s, I think he’s pretty pumped about it. Yeah, I don’t think he wants me to leave. We’ve had conversations, he’s like, “Well, if you’re not happy, like, what can we do? “And I’m like, “I’m fine,” like, “Don’t worry. “I’m miserable. Yeah. Who’s your favorite loan officer to work with? Be honest. Um, Craig, obviously. That’s weird. I didn’t even think you were gonna say that. No, I would never say that. No, Craig’s great. And, because- All right, after Craig. Oh, God. Am I really your favorite or are you just saying that ’cause I scare you? You, no, you don’t scare me that badly. See, I told you. She’s getting strong now. Yeah, I am, you know. I- Thick skin. Yeah, I’ve learned, I’ve learned your ways. You put together a great file. It makes it easy for them- Yeah. to, to process your loans. Yeah. If, if we do what he’s saying. How much did you pay them before we came on this episode? Javi, can we, can we stop this, rerun this? I paid them, I paid them nothing. There is cash deposits going into their accounts right now. I love it. Waiting for the Apple cash. No, it’s true. He does put together those great files. He does. And he has a good team, so. So who’s number 2, though? After Craig? I don’t know. I can be number 2 as well, it’s fine. No, you probably are number one. But I really don’t know whoI have, like a set, like group of people that are- Yeah. all like, they kind of overlap. Pretty close. Yeah. And they’re all pretty good. Listen, if this mortgage thing doesn’t work out, politics. Me? Why? The best way for you to go. Oh, okay. She’s not, she’s not excluding anybody, she’s like very- I’m su- super inclusive. Yeah, you’re good to go. What about you, Wendy? Who’s the favorite person that you get to work with? Loan officerYeah, let’s go with loan officer. Loan officer? Who’s like the most re- re- respectful of your time, does all the right things, does all their trainings? She’s like Craig. Am I allowed to say Craig? You can. It’s totally fine. Okay. Uh, he just- These are all the kudos that you need. No, right. I don’t get them through email, you get them here. Don’t worry. Yeah. You know, I, I love everyone and, and that’s one of the things I love about working here is that we do have a really great group of people that we all work together and work together well. Uh, there’s definitely, you know, the people that you have to chase around to get them to, you know, go through the list you send them of, you know, things you need them to look at. That’s Steve White. Even though I love him, I love Steve White with all of my heart. But, um, you know, Craig is always either on top of it or has his team take care of things immediately. I think you just understand the urgency of things when I’m asking for something, it really means I need- Yeah. the attention on it. I’m not kind of throwing it at you because I want to. It’s, “Hey, you know, we gotta get a call report done, can you tell me what’s going on with these 6 files? “That’s gotta help your side of it, too. If the loan officer is more responsive than not responsive. Oh, for sure. Like, we always tell loan officers to stay out of their files, but like- But if you have a question and you- Right, please answer my emails. You hear that, loan officers? Get back to your processors. Quickly. Y- you gotta, you gotta love Vern’s brain, though. Um, ’cause when things are, like hitting a wall and nobody can figure out what to do next, you don’t wanna see a deal die, Vern always has some sort of creative way to figure it out. He knows about something in this person’s life that’s gonna make the file actually work that they haven’t disclosed. He’ll be like, “Oh, yeah, yeah. No, don’t worry about it, they got, they got this. “Or, yeah. Imagine if you put notes in Arrive and then people just knew it and then you wouldn’t have to. Yeah. Then you wouldn’t have to worryI would look like such a superhero because it’s all in my head. Who withholds information to come in and just- Craig’s like, “Wait, time out. That’s me, by the way. “”I’m actually the one fixing the files. “He’s just actually telling you what’s in his brain that was already told to him 3 times. True. No, but he is good at coming up with solutions to make things work. Yeah. I mean, we’ve had a lot of deals where they were like, you know, on the brink of dying and Vern’s like, “Well, why don’t we just do this? “Like, so many loan officers, I feel like, go to both of you guys. I feel like you pretty, usually have pretty good solutions. We have a good, good team of people. Or you see a lot of people. The experience helps. Yeah. Get a lot of at-bats. See a lot of problems other people haven’t- A lot of problems. Oh my God. haven’t, haven’t seen before. And to think ahead a little bit, but it all works. It’s fun. it’s definitely a fun place. It’s definitely a fun place to work and it’s good that you guys came in here and said that at your own free will. Shake your heads. Yes. Checks in the mail. Yes, ladies. We, uh, we really appreciate you guys working here at Milestone. You guys are key elements to making the business run. Courtney, keep doing a great job. Three and a half years in. Thanks. I cannot believe, and 4 years in for Wendy. I’m crazy. It literally feels like- Yes, crazy. you guys have worked here for like, I don’t know, and I’m not saying this in a bad way or a good way, like, 9 to 12 months. It goes by fast. It’s, yeah. I mean, the average age of a loan officer, we learned on the last podcast, is 46, and I just happen to be 46. Wow. So I’m literally old at this point in this business. You know- Time for retirement. We, we have it all to like thank both of you. Uh, this wouldn’t be possible and we wouldn’t have these jobs if it wasn’t for the 2 of you putting it out there, putting the long hours in, getting the deals in, you know, and getting great loan officers to come work for you. Um, between the 2 of you and Rachel, you guys have put together such an amazing operation and, you know, I’m thankful for you both every day. Definitely you, ’cause I see you every single day of my life. Professionally and personally. Yeah. She’s at my house pretty much like 4 days a week. Yeah. To the point where she’s now asking me for a pod in my backyard for her, uh, when she retires. Granny pod. A tiny house. Retire? I want it now. Perfect. I mean, like, I want it now. It only makes sense. I think you should do it. I think so, too. There’s plenty of room. How great is that? You have a built-in babysitter in the backyard. I can just bring you cakes to the house whenever you want them. I’m just gonna move into Craig’s house with all the toys he has there and you can just have my room. Okay. I mean- Just like, done. My wife will take that in 2 seconds. Gotta finish the basement. I was gonna say, that’s like your wife’s dream. I think the third floor of your apartment. That’sAfter Liam moves out, that’s his plan for me. 3 years. We’ll just move her. Why does she have to need a granny pod like that? We don’t need-any more accessory buildings at my house. I know, you got a lot. I already feel like it’s already done with. Kinda burn that up. Yeah, there’s a lot of sheds. I love it. Well, thank you ladies. Another great episode of Mortgage Daddies. Thanks for coming on. Thanks for having us.