VanDykMortgage May 2017

May 2017

Letters From The Hart Give us a call! 239-437-4278 or visit www.TimHartJr.com Corporate NMLS # 3035 www.nmlsconsumeraccess.org

EVERYTHING HAPPENS FOR A REASON My Mother’s Unending Optimism

My family and I spent Mother’s Day at the South Seas Resort for the annual Fishin’ With a Mission fundraising fishing tournament. My own mom didn’t do much angling; relaxing by the pool with her grandchildren is more her speed. But as the weekend went by, I spent a lot of time reflecting on her influence on my life. It would be impossible to overstate the impact my mom has had on me. When I was growing up, she was an incredibly hard worker, but she always managed to maintain a firm sense of presence and love in our family. Around my teen years, she became the president of a company with a lot of moving parts to keep track of. She spent a substantial amount of time steering her business in a new direction. As the head of any company will tell you, it’s more than a 40-hours-a-week job. Yet, I don’t remember her missing a single one of the many sporting events I was a part of in high school. I may not have fully appreciated her then, but I do now. She had an intense position for a while, and it never even began to negatively affect any aspect of her home life. She was always a consistently fun, loving, and positive presence, and still is. My mom’s unfailingly positive mental attitude has guided her through life. I know that a “positive outlook” is kind of a self- help buzzword these days, but my mom was equipped with a keen optimism far before it became a trend. She often said to us, “Everything happens for a reason.” It’s a phrase that’s been ingrained in me since I was young. When my dad passed away a few years ago, this outlook was tested. I was there beside her throughout the grieving process, and she remained undaunted even during her darkest moments. “Today’s a new day,” she would tell me. Every morning represented another opportunity to do good in the world, a fresh start. She mourned deeply but was able to push through into a brighter place. Some people, when faced with adversity, break down completely, but my mom processed,

internalized, and kept on moving. It was unreal to see her steadfast optimism in the midst of those difficult times.

Everything happens for a reason. I still get choked up when I think about my late dad. But my mom taught me that adversity — even the death of a loved one — is an opportunity to grow, learn, and readjust your direction. There is no doubt in my mind that without my mom’s wisdom and guidance, I would be far away from where I am today. I’m incredibly grateful for her constant presence every step of the way.

– Tim Hart NMLS #354676

VanDyk Mortgage | www.TimHartJr.com | 239-437-4278

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Watch our show “Rates and Reels” now on YouTube and Facebook!

A Long Day of ‘Work’ With Tom VanDyk The President of VanDyk Mortgage Visits Rates and Reels

It’s not every day that you get to hang out with and get schooled on business by the president of your company. But then again, it’s not every day that you get to spend a day out fishing past Redfish Pass and be able to call it “work,” which is exactly what Tom VanDyk and I did one sunny day last January. I’ve been doing my “Rates and Reels” show for a few months now, but I have to say, Tom was one of the most fun guests I’ve been on the boat with. We met early one January morning over at Jensen’s Twin Palm Resort and Marina, where Tom stayed the night before. According to him, the place was “fantastic … The only thing missing was a hair dryer. But I came out okay. I still got the curls.” The man may be in his sixties, but he’s got a full head of hair and is not afraid to use it! We chummed up the water and got to work. I’m not sure if it was his hair or just beginner’s luck, but Tom managed to land the first catch of the day, a silvery Atlantic spadefish. We couldn’t keep it, but I know Tom was excited about it — his cry of “Holy tamoly!” gave it away. It wasn’t too long until I pulled in my own catch, a nice little mangrove snapper. Shortly after, we had a second in the cooler, then Tom brought in a third. My motto is this: If it’s legal, and I know how to filet it, I’m keeping it. I had a lot of fun with Tom. He’s a funny, personable guy, and I was especially impressed by his eagerness to offer his perspective on the mortgage business, basically turning the interview portion of the show into an eye-opening coaching session. I asked him whether he expected VanDyk Mortgage to become as big as it has today, operating in twenty states, running somewhere around $1.4 billion in production in 2016. “No, I really didn’t think it’d be this big!” He is quick to state that in

the scheme of things, VanDyk Mortgage is still “considered a small to medium guy.” Humble as ever, this guy. According to him, the secret to success is simple: “Know your customers and your clients.” To no one’s surprise, Tom had some great ideas about marketing mortgage services. “In the mortgage business, we’re not selling pizzas. We don’t have to market to our borrowers after we close a loan every week or every month. But we should start our marketing campaigns up every five or six years, because that’s the cycle when people move.” As for the future of the industry? “Soon it’ll be like buying a car!” In our line of work, you need to be able to work well with real estate agents. Tom says, “You gotta understand the psyche of our agents, and the more you dwell on that, you find out that most of them are very nice people, and if they’re not nice, I just don’t work with them.” Looking back, the only advice Tom would give his younger self would be not to focus on those smaller setbacks. As he puts it, “each failure is a lesson for success.” All in all, it was a beautiful day for catching fish. “This is called ‘work’, right?” Tom asked at the end of the day. “I gotta get into more of this kind of work.” I’m inclined to agree; when work includes spending some time with an incredibly knowledgeable businessman and reeling in a tasty dinner, you’re doing something right.

VanDyk Mortgage | www.TimHartJr.com | 239-437-4278

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Look Out for These Code Words Translating the ‘Secret Language’ of Real Estate

We all know “cozy” is real estate speak for “ridiculously small,” but that’s not the only secret code word sellers might use to trick prospective buyers into a real disaster. When you’re browsing listings, looking for your next dream home or financial investment, keep an eye out for these buzzwords: “Artistic” When a listing describes a property as artistic, think less Van Gogh and more fifth-grader’s macaroni art. Artistic listings usually feature the victims of do-it- yourself designers with no experience, and the results are just plain weird. Watch out for “unique,” too, as it carries similar meanings. “Hottest/Up-and-Coming Neighborhood” This tricky phrase by no means translates to “popular” or “in high demand.” More often than not, hot or up-and-coming

really means an area that’s expected to explode in the future — at least that’s what the developer keeps saying — but it’s not there yet. It’s possible the listing will turn into the next SoHo, but it could very well become the next alley behind Arby’s, too. “Natural Landscaping” Watch your step, because it’s going to be a jungle out there. HGTV’s Property Brothers, Drew and Jonathan Scott, said it best when they defined natural landscaping like this: “We’re too lazy to do anything, so it’s overgrown, and you have to do all the work.” Be ready to trek through a lawn full of weeds and unruly hedges just to reach the front door. Keep in mind these code words shouldn’t be automatic deal breakers, especially if the rest of the property meets your requirements. But they all signify a

need for some extra time and money if you want to turn the home into a true investment. And if the homeowner or real estate agent suggests you should pay extra for any of these “features,” feel free to laugh in their face.

Sudoku

VanDyk Testimonials

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“Tim and the staff at VanDyk Mortgage did an exceptional job with our mortgage process; I will refer my friends to them. I want to thank everyone at VanDyk for a seamless transaction.”

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– Robbie Carney

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“Good communication keeps an ideal marriage. Tim Hart and his staff of professionals always kept me in the loop. Thank you guys for a job well done!”

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- Donna Mason Keller Williams Realty Ft. Myers/Islands

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Generated by http://www.opensky.ca/sudoku on Wed May 3 20:08:08 2017 GMT. Enjoy!

VanDyk Mortgage | www.TimHartJr.com | 239-437-4278

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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

Give us a call! 239-437-4278 or visit www.TimHartJr.com

Inside This Issue 8280 College Parkway Suite #101 Fort Myers, FL 33919

Everything Happens for a Reason: My Mother’s Unending Optimism PAGE 1 Rates and Reels PAGE 2 The Secret Language of Real Estate VanDyk Testimonials

Sudoku PAGE 3 The Great Inca Citadel PAGE 4

THE GREAT INCA CITADEL

Visit Machu Picchu This May Fly into Cusco, then immediately take the train to Machu Picchu Pueblo, colloquially known as Aguas Calientes. It’s a scenic 3.5-hour trip running along the Urubamba River, through the fabled hills of the Inca, with breathtaking canyon walls rising above on either side. Spend a night or two in the town getting acclimated to the 6,700-foot elevation, then head to Machu Picchu for some exploring before you return to Cusco. This way, you’ll be able to minimize the unpleasant — and sometimes dangerous — effects of altitude sickness that such heights can bring.

Before Columbus landed on what he thought was India in 1492, and before Pizarro later wiped them out, the Incas controlled the largest empire on the North American continent — and maybe the biggest in the entire world. The religiously and culturally diverse civilization spanned a huge portion of western South America, comparable to the most robust territories of Eurasia. Nowadays, not much remains of the Inca Empire, save for some ruins and the otherworldly constructions of Machu Picchu. The Inca citadel, probably built as an estate for the Inca Emperor Pachacuti, still stands after over 500 years, and the blocks of polished stone overlook intense, vertigo- inducing views, considered by some to be among the most beautiful in the world. If you’re thinking of visiting the enormous agricultural terraces and fantastic stone constructions of Machu Picchu, it’s best to go in May, right as the rainy season ends. That way, you won’t have to deal with the battering rain or the large crowds that form during the peak season of July and August. Both of these could potentially muddy the experience of such a historical location.

You might find yourself dizzy from more than the altitude, though. The views are world class, and the feeling of being in such an ancient place imbued with cultural importance is electrifying.

VanDyk Mortgage | www.TimHartJr.com | 239-437-4278

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