The Long Version


Est. 1983 | The Early Days

I grew up in Ankeny, a town just north of Des Moines, Iowa.  Have you heard of it?  It seems like I run into so many people with an Iowa connection here in Arizona.  I was fortunate to have a wonderful upbringing and childhood.  I come from a “modern family” which includes my parents, step-parents, sister, half sister, and stepbrother.  I’ve got all the bases covered in that regard.  A little more on this expanded family of mine to come…

I’ve always considered myself a bit of a go-getter and enjoyed my work experiences as a youth and through college.  I worked a number of years in the retail environment; Staples, a car audio and electronics store, and a golf shop.  In college, I fell in love with the golf business and thought that was my calling.

I graduated from the University of Iowa in 2006 with a Bachelor’s in Geography (Urban and Regional Planning) and received a Certificate in Entrepreneurship from the business school.  At the time, I had been working at a neighborhood golf store and decided to further my commitment to the golf industry by becoming a Class A PGA member.  Little did I know, I wouldn’t be in “the club” all too much longer.

At the time, I was determined to become a sales rep for a major golf equipment company.  I was fascinated by the engineering advancements and how proper club fitting (and teaching) could improve a player’s ability to perform.  I was nearly 28, ready for a change, and determined to branch out from Iowa.  As the golf season ended, I packed up my things and made a move to Arizona.

I had considered some places to move, both home and abroad, but my stepbrother and some extended family were here in Arizona.  I thought it’d be a great fit, even if just for the winter.  I continued to pull every string I had- networking, calling, searching for my next “golf opportunity.”  It was slow going.  In hindsight, like so many, my prospects were limited due to the influence of the Great Recession and economic downturn.

The introduction | Potential

Circling back to this big family of mine, my step-brother’s half-brother (yes, map that one out) invited me to his office.  He knew I was enjoying Arizona, knew my past and family, and fortunately thought I might just be a good fit for his company.  Brian Carpenter and his father-in-law had started Burk Carpenter Financial back in 2005.  He’d seen and been through everything in the business.  His company had changed considerably over the years.  The industry had flipped itself on its head too.

I began to come to the office to shadow Brian.  I remember it vividly.  It was like learning a new language.  I had never owned a home, obtained a mortgage, or even had my credit pulled.  With that said, I quickly became a fan of the potential.  I thought to myself:

·       This opportunity would allow me to grow my business capitalizing on my entrepreneurial spirit.

·       Pursuing this opportunity would allow me to stay in Arizona. I was certain with a golf company I’d get shipped out to who knows where.

·       I understood and appreciated what a rewarding experience it would be to help people get into a place to call “home.”

I went all in.  In March of 2012, I became a licensed Mortgage Loan Originator (MLO).  Nearly the same time I separated from the golf business, in which I relinquished my PGA membership.  When I moved to Arizona I was looking for a “change,” not only did change occur, I accepted one of the biggest challenges of my life.

My training | The Mortgage Jedi

Brian helped me get on my feet.  I so very much appreciate it.  Maybe luck, maybe alignment of the stars, or maybe I was just at the right place at the right time.  I had the chance to watch and learn from a mortgage master (he probably prefers Jedi).  Brian had seen the rise and fall of the mortgage market.  He personally weathered the storm.  I believe his ability to do this is a testament to his tenacity and dialed-in focus on his customer’s experience. 

He stripped the business to its core.  Brian worked diligently to close loans for his clients when options and underwriting policies changed overnight.  He has a commitment to delivering what he says; the ability to find solutions where others can’t.  He stuck with it, helping people achieve their goals while so many left the industry when things got too difficult.  Not only this, he did it while delivering outstanding rates and low costs relative to traditional financial institutions.

I’m fortunate to have this experience and training.  I can say that I would not be the same person today (personally or professionally) had I entered this industry through a traditional channel.  Post-crash and in the modern regulatory environment, we are in a unique position to be ultra-competitive for our clients.

Through these years I’ve

1)      Learned the mortgage and real estate “language”

2)      Learned the guidelines and process

3)      Became a problem solver and solution finder

4)      Challenged myself to expand my network and business

5)      Proven to myself that I can consistently deliver outstanding programs with exceptional service

My milestone | My purpose

In March of 2017, I rolled over the 5-year mark in the business.  The milestone was a huge deal for me.  Time is so very relative.  I’ve experienced so much, yet have so far to go on this journey.  Taking the risk and leaving the industry I had known so well has undoubtedly paid off.  I’m not looking back.

With reflection, I parallel my two worlds in many regards.

Instead of fitting a player with the latest equipment, I’m finding the appropriate loan programs to best meet your financial position and goals with the property.

Instead of working with the latest golf equipment to get ahead in the game, I’m now using the best technologies and tools available to improve the lending process and experience for my clients.

In both worlds, I’ve considered myself a teacher.  I understand and appreciate the magnitude of responsibility that comes with being you mortgage resource.  With such an important and impactful decision at hand, you deserve an advocate who is knowledgeable, available, and in it for the long haul.  I’m here to help and will continue to be.

The time is now | Looking ahead

I approached Brian about rebranding the company a while back.  As our relationship moved from apprentice-mentor to business partners, I wanted to see if he was on board with the idea of making something “ours” out of this.  The timing was right again, and we decided to move forward the idea.

I have multiple goals relating to the rebranding

·       Reaffirm our commitment to you; our clients, industry partners, and prospects

·       Deliver valuable and necessary content that directly relates to your financing options

·       Have fun with the brand and logo in hopes that you too connect with us, the concept, and have pride in the partnership you have created

At the end of the day, our stripped down, raw approach to lending is still there.  I want to make the process streamlined.  I want to create clear expectations.  I want you to feel confident because you know what we’re doing and why.  I will continue to be personally available for you, on your schedule, to help you achieve your goals.

Most importantly, I want to help you B|HOME. 

Cheers to the next five,

Brandon (B Ross)