Episode 42: Devin Dubuc & Nate Carver — From Military Service to Mortgages, Building Homes and Saving Lives

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Devin Dubuc
Welcome back to Loan Officer Success, partner. I'm your host, Devin Dubuc. And, man, I've got a returning guest and, just a rock star, man. One of my best friends. One of my best friends in the industry. You know him? You'll love him. Nate Carver,

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Nate Carver
Hey, I'm Nate Carver and welcome to Between Two Doors.

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Devin Dubuc
welcome back, brother.

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Nate Carver
Hey, Devin. It's good to see you. Lot cooler. Yeah. And our last podcast that we did.

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Devin Dubuc
You know, the last one was great, though, man. You know, if you guys didn't get it, you should go back and look at the history, on YouTube, for sure. You can see it. We did, we did a little skit with some bees. You did? Your bee farmer. Yeah.

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Nate Carver
Bee farm loan officer. Loan officer.

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Devin Dubuc
Veteran.

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Nate Carver
Veteran. Gardener. Fisherman.

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Devin Dubuc
Yeah, man. Just Jack. That's a lot of guys. See bearing man like you like to get out there. It's.

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Nate Carver
Yeah, yeah. He came out to the farm and we did a podcast out there, and.

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Devin Dubuc
Our cameraman got stung. Gave me a good on this one. Yeah. There's no bees here today. So.

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Nate Carver
Yeah, you're safe. And,

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Devin Dubuc
Yeah. Did you bring a kid today?

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Nate Carver
No, that's, you know, the live action. Yeah. I'll tell you what. First person, if they do something crazy back there, the first person that reaches out to me album coffee.

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Devin Dubuc
I like that, I like that. Let's double.

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Nate Carver
That. Maybe if they get it for you.

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Devin Dubuc
If you get the coffee, I'll get the pastries from Granny's. We'll get him. We'll get him a gift. Certificate of Granny's. How about that? There you go. Yeah. So comment about the kid in the back if you know who she is. Hey, just put it in the comments. Hey, man, but we've got, you know, we've got some big news.

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Devin Dubuc
Been, you have recently made a big change and.

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Nate Carver
Right.

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Devin Dubuc
You came and joined the Premier family, brother.

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Nate Carver
That's right. I joined Premier Lending about two weeks ago, and, I'm, enjoying, getting to meet everybody. Yeah. And, and and building a mortgage business with, Premier lending partnering and, and, having them power my own personal podcast. My man.

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Devin Dubuc
Yeah. Let's talk about that. What's the podcast called? I know the name, but let's let's get it out there.

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Nate Carver
Yeah. So my podcast is between two doors and we are a a real estate podcast. We are. It's, client facing. Yeah. So we yeah, I get the realtor on and I get the realtors sphere of influence. I love it as a third party guest. And so let's realtor me in there, whoever they want. Yeah. You know, that's like community.

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Nate Carver
Anybody in their in their community that helps. That's, you know, it gives that third party. Yeah. Some advertising, a voice and a voice to whatever it is they're.

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Devin Dubuc
They do what they do.

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Nate Carver
Business owner or a charitable organization, it doesn't matter. Whatever it is. I think that's.

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Devin Dubuc
All what it's all about, man. Yeah. I think you start a year for a lot of the seminars. It's empowering people, helping other people connect with with the people that need to know. Right. You know, you're somebody people need to know if they're in the lending, you know, they're in the interest of finding a new lender or if their agent looking for somebody, they can trust somebody that knows the guidelines inside out.

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Devin Dubuc
Right. But then our agent partners have their vendors that people should know too, and that's. Yeah. And so you're empowering your agents, and your agents are empowering their partners. And round and round it goes, right? Yeah.

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Nate Carver
And it creates a lot of original content. Then all the eyes are hungry for. Yeah, Google's hungry for all of that. And so if you're. I'm able to get that real estate agent and myself in front of this other person sphere of influence, it's vice versa. And so it's just and the just the fantastic conversations. Yeah. And, you, with my realtor partners, it's all origin stories about who they are and their passion and what they love doing.

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Nate Carver
And then we do that with the, the small business owner that the real estate agent knows or the charity.

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Devin Dubuc
I love.

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Nate Carver
Know that she knows or, you know, their first time homebuyer. I like you. Let's get one of your favorite clients on here and talk to them. Yeah. So there's a lot of neat opportunities with that. And so that's actually a year old now that I've been doing that.

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Devin Dubuc
It's it's been neat. Yeah I noticed the, you know between two doors by the way between two doors. If you didn't catch that and go like subscribe you know, check out Nate's channel. You should definitely do that. We'll make sure to have the credentials down in the description and, we'll run some, links across the screen if you're watching on this one.

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Devin Dubuc
And again, if you know who that kid is, you know, make sure you comment so we can get you some free pastries and coffee. Compliments of Nick Carver and Devin Dubuque. But, you know, going back to talking about, you know, your guests and the people that you're bringing on, you know, I do something similar, you know, you know that I've got a real estate podcast as well, the real estate success partner.

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Devin Dubuc
And we bring on agents across the country as well. And, you know, telling those origin stories, man, you know, I got to tell you something inspiring about that. Yeah. I'm sure you hear this, too, but I have people that reach out to me from time to time. They're like, you know, I started listening to your podcast, man.

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Devin Dubuc
It is so inspiring. They're like, you know, I thought it was going to be just about mortgage, but it's not about mortgage, about being a good person. Yeah. Right thing. And like, you know, just helping people. And do you find the same thing with yours?

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Nate Carver
I do. And, out of when I make that offer to a real estate agent to be a guest, they they dismiss their origin story. And I'm like, let's, let's think about that. What? I can pull that out of them. And it just. Yeah, it's just a conversation between two friends. Yeah. And, you know, there's someone I would until I've met someone.

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Nate Carver
I got a real estate agent partner, for example. They're they're big into tattoos. Like, I love tattoos. Yeah. And I was like, let's do a podcast. Let's talk about your tattoos. Where are you? Like, what's the origin of. What do they mean? How did you get into real estate? And then I say, I guarantee you somebody is going to out there is going to be intrigued by this.

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Nate Carver
Yeah. And you knows, it may be someone with a lot of tattoos. This I may found a like minded person.

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Devin Dubuc
That's it.

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Nate Carver
You know and it's and then it's out there and so that's, that's really that is the, the centerpiece of my podcast. And out of that, it just grows into, into their sphere and. Yeah, that's. Yeah. So everybody's got a story. They do. And it's worth knowing and not. And I always say people don't really necessarily know what your job is or career move, especially, I'm a guest at how I'm friends with people I to personally.

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Devin Dubuc
Right. And when you should be right. Yeah. So they were in the relationship business. So.

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Nate Carver
And they'll forget that you do really well on the blank.

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Devin Dubuc
Right. Exactly.

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Nate Carver
And so let's let's get a story out there about who you are and connect it to your real estate. I love that.

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Devin Dubuc
You know, what's funny is you know, I do the podcast and I do a lot of the stuff on social and I'm out there. Yeah. But again, you talk about people not always knowing, you know, just today it's literally happened right before this podcast. I put a post out there and it's funny, this post had nothing to do with real estate.

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Devin Dubuc
It was, hey, you're giving $100,000. Yeah, you can't invest it. You have to spend it on something that's tangible. You can't give it away. Which you know, again, I'd love to be able to give it away or put it into something that's tangible, for an investment. But that's that was the form of the post, right? What do you buy it?

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Devin Dubuc
Right. And, one of the gentleman pops on there who I've known since childhood, right? Yeah. And should probably know that I'm in mortgage because I'm talking about it all the time. Right. And his post was, I took the hundred thousand dollars towards a down payment on a house. Right. Funny how that works. Right. Now all of a sudden we've got engagement with somebody and it's like hey you know what.

00:08:00:00 - 00:08:21:13
Devin Dubuc
If you really do want to buy a house I can help you. And guess what? You might not need the $100,000. You know that's not bad. But but you're right. At the end of the day, you never know who's watching and what they're going to connect with. He didn't connect with my mortgage stuff. Yeah, he connected with just the fun question about how would you spend $100,000 if you were given it right?

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Devin Dubuc
You know, little Brewster's Millions, so to speak, you know? So, but I love that you talk about the origin story because, Nate, I know a little bit about yours, but I'd love to connect with you on your origin story.

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Nate Carver
Okay.

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Devin Dubuc
Let's talk about where are you from originally?

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Nate Carver
So originally, East Milton, Florida, which is just east of Pensacola. Yeah. Just east of Milton, Florida. It's, I grew up on a ward basin road, which was the floodplain. I guess it still is the floodplain, but I. Yeah. Anyway, so that that's where I grew up and, moved to Texas when, I guess, second grade.

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Nate Carver
Okay. Up to, Sherman, Texas. And so I would go back and forth between the northwest Florida and, I've got some land over in Crestview, Florida, so I'll, I'm always going back to the Florida area. Yeah. And, grew up here, went to college out in Abilene, Texas at Harden Simmons University. Go forgot go Cowboys.

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Nate Carver
It's been it's been 20.

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Devin Dubuc
You know we're in Dallas. Yeah. Know we should probably remember.

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Nate Carver
Abilene out west. Right. So we'll try to think of what's there. They got a symbol. Yeah. And, and that's it. That's the gun. There it is. There you go. So, Candler had it, and I had to think about it.

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Devin Dubuc
You're going to hear about that? I am.

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Nate Carver
And, I got my degree. I graduated the Lord have mercy. Yeah. And, and then, joined the military again. Oh, so I did. I did the military twice, but, after 911, I went back into the military, picked up my commission and as an officer and I served for, a total of 15 years, and, stepped out of the military, back into the civilian world, and.

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Devin Dubuc
Well, I'm gonna I'm gonna. I've told you before a lot, man, but I'm gonna say it again, man. Thank you for your service. You were.

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Nate Carver
Worth it. Yeah, you were.

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Devin Dubuc
But more than that, man, I know some of the things you've actually done and some of the people you say brothers, so, like. Yeah, like. Thank you. Oh, yeah. You know what I mean? Like. And I know you don't take compliments easy, right. You know. But but but you deserve to hear it, man, because you truly are, you know, somebody that's not out there and put your ass on the line.

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Nate Carver
Yeah, yeah.

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Devin Dubuc
For all the right reasons, man. So that was an adventure. But you didn't stop saving people, you know, just in the military. You've been doing that, you know, even outside. Yeah. Service career. You know, there's a special story I know about you and some things that you've done as well. And I don't know if we want to go down that rabbit hole today, but I'll.

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Nate Carver
I'll talk a little bit about it. So when I got out of the military, I took a break from life. Yeah. Or career? Not life. That's not right. I took it first.

00:11:06:05 - 00:11:07:10
Devin Dubuc
Tell me how you did that.

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Nate Carver
Career.

00:11:08:19 - 00:11:11:01
Devin Dubuc
Acquiring mines. Want to know? I don't know.

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Nate Carver
I don't think that's legal. So. So I, I took, I got out right when the market or the economy was really rough. And so finding a career was not easy. And so I took up hoovering. Yeah. And I was living in Florida. Yeah. In the vacation area. Yeah. And so I just started hoovering and three and a half years later I was delivering, amazing.

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Devin Dubuc
Some really interesting people.

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Nate Carver
Meeting some really interesting people. Yeah, a lot of really cool. Got the.

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Devin Dubuc
Investment out of that at one point in time I.

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Nate Carver
Didn't invest. But that's how I came to the lending world. My last Uber passenger was a mortgage. He owned bank here and asset. Okay. And, he was like, come check this thing up. And he goes, go get your mortgage license. I'll make you. And he told me how much you tell me to make the first year. And so I went and got my license anyway.

00:12:06:21 - 00:12:23:08
Nate Carver
Yeah, I so I would drive late at night. Yeah. Stumbled my way into, I guess the traffic king and, saw some patterns that were that just, you know, said, okay, you're out.

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Devin Dubuc
On the streets and you're seeing certain things that are happening.

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Nate Carver
Yeah, yeah.

00:12:26:24 - 00:12:32:03
Devin Dubuc
And you're intuitive because of your military training. Right. And some of the things that you've done in your background.

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Nate Carver
Yeah. And those things stood out. They did. Yeah. So, Ended up uncovering a trafficking ring and,

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Devin Dubuc
Saving somebody.

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Nate Carver
Rescuing.

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Devin Dubuc
More than one people in the long run. But, yeah, immediately, one.

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Nate Carver
Immediate person was a girl that had picked up, with the help of some other, like, picked up her at a hospital and got her to a safe house. Yeah. And, you know, that whole. That whole that just kind of. There was there was a life changing things for me because. Yeah, I mean, you you hear about stuff you do, you actually experience things like that.

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Nate Carver
So that's become a significant part of my charity that I,

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Devin Dubuc
Well, I was going to say, because we could flash forward that to today, but we're skipping out the mortgage side of it, like how you were able to start the charity.

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Nate Carver
Right? Yeah. So how great? So, you know, I think God gave me a calling into the mortgage industry and opened up some doors for me, and. Yeah.

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Devin Dubuc
So your last Uber driver or drive is a guy who says, get get your license.

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Nate Carver
Yeah. This guy named Ron Felton. Yeah. Changed my life. And,

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Devin Dubuc
Thank you Ron.

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Nate Carver
Yeah. It's.

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Devin Dubuc
So we're blessed to have this guy over here. So. Yeah. It's you.

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Nate Carver
Yeah, yeah. Until I stepped in the mortgage world and just fell in love with what I do and what I'm able to do for people homebuyers, for first time homebuyers, for veterans. Yeah.

00:14:03:04 - 00:14:03:21
Devin Dubuc
You're still saving.

00:14:03:21 - 00:14:12:09
Nate Carver
People. Masters and all that. Yeah. You know, it's exciting and it's life changing. You become a homeowner. Yeah. And accumulate the investment.

00:14:12:11 - 00:14:26:15
Devin Dubuc
Long term wealth in real estate. Yeah. We talk about that all the time, right. We don't want to bore people with that. But you know there's long term wealth and real estate there. That's what makes this career so rewarding, is being able to lead people to opportunities that help them build generational wealth.

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Nate Carver
There is. And, so how do I do more of this? You know, so I figured that out. Got some coaching. Yeah. And, met some wonderful people. There's still no question about it. I met you.

00:14:37:12 - 00:14:38:03
Devin Dubuc
100%.

00:14:38:03 - 00:14:58:22
Nate Carver
And with that helped taught me how to grow a mortgage business for myself. And that income is enabled an opportunity to start making some financial commitments to, rescue organization. Yeah. And, and what they're doing to pull people out or rescue people.

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Devin Dubuc
That's right.

00:14:59:15 - 00:15:18:00
Nate Carver
Women, children, boys and girls out of the sex trafficking industry. That is huge in the United States. It is. And give them new lives. And so, that's that's very important to me. That that's, Yeah, it's I.

00:15:18:02 - 00:15:33:05
Devin Dubuc
Let's talk about that. Right. You know, so if you're a homeowner and you're thinking about who do I connect with for all the right reasons, not only we all need help you get into your home, but he's donating a portion of his proceeds to this organization that's helping. Yeah, save people. Right. You know, and this is real thing, right?

00:15:33:05 - 00:15:49:08
Devin Dubuc
This isn't to get your attention and go, oh, I got to do. But do business with Nate because he's a good person. He's going to take great care of you. Yeah, but just know as a reward to that, somebody else is getting saved. Right. And I think that's really important man. So you know again thank you for your service.

00:15:49:10 - 00:16:03:18
Devin Dubuc
Even outside of the military right. You know, you're still out there saving lives brother. And like that's a special thing man. And you need to be acknowledged. And I know you have been acknowledged but you deserve it, brother. You know, you you you are a true, your true American hero. Brother. What?

00:16:03:20 - 00:16:09:14
Nate Carver
That's too much land on pitch. I appreciate that, man. Yeah, well, I get it.

00:16:09:19 - 00:16:20:16
Devin Dubuc
It's, It's okay, it's okay. They, you know, because, you know, sometimes it's hard. Especially for the real good people out there to take a compliment. Yeah. You know, and, that just speaks even louder volume to your character, bro.

00:16:20:17 - 00:16:25:22
Nate Carver
Yeah. So appreciate it. I feel better. Yeah, it just makes me feel better.

00:16:25:24 - 00:16:27:02
Devin Dubuc
Well.

00:16:27:04 - 00:16:31:21
Nate Carver
Personally, I think there's a psychological thing there. Or you do something for somebody else, and I.

00:16:31:21 - 00:16:32:11
Devin Dubuc
Don't disagree.

00:16:32:11 - 00:16:40:16
Nate Carver
With him to feel great, but, yeah, I'm. You know, I feel being the giver of a whatever, I don't know, put all that in words.

00:16:40:22 - 00:16:48:24
Devin Dubuc
I know what you mean. And I think our audience knows what you mean, man. You know, there's something about leading with giving heart and how much more rewarding it is in a paycheck, right? Yeah.

00:16:48:24 - 00:16:51:17
Nate Carver
That we have that mercy. Yeah. That's it, I like it.

00:16:51:17 - 00:17:09:02
Devin Dubuc
Well, we have to make money to survive, right. And I tell people all the time, like, you know, ultimately like making money is important so that we can live a life. Like we have to be able to take care of ourselves. Spruce House financially. But giving back to help other lives is what's really special. Yeah. You know, having that ability to do that.

00:17:09:02 - 00:17:25:03
Devin Dubuc
Yeah. Yeah. Well killer man, so we know that you got in this space, you know, and we know you got to be here for all the right reasons, right? You know, and, again, you know, give a shout out to the coaching program. Right. That led us together, man. I mean, at the end of the day, marketing animals, Carl White, Steve Kyle's right.

00:17:25:04 - 00:17:41:10
Devin Dubuc
You know these guys, Frank Ray, you know, they did a lot of stuff to help you. And I can act and build a lot of the things that you and I are doing today. And, you know, despite our current relationship, my my current relationship. Right. I still have a lot of respect for everything that I gained through that coaching platform.

00:17:41:10 - 00:17:54:02
Devin Dubuc
And you and I wouldn't be sitting here side by side. Yeah, if it wasn't for them. Right. You know, so, flash forward to today. Okay. What are you doing, man? Like, what's.

00:17:54:04 - 00:18:05:19
Nate Carver
Well, so I farmed out a bunch of stuff to get, branding and. Yeah, logos and websites and all that stuff taken care of, so I don't I don't be the wrong person for that.

00:18:05:21 - 00:18:14:12
Devin Dubuc
Well, yeah. I mean, at the end of the day, you get to stay focused on the things that are going to move the needle for you. And while you need those things, it doesn't mean it's you personally, it's right person doing it.

00:18:14:12 - 00:18:38:00
Nate Carver
So I cleared that back and then, I, I just, I make a lot of calls. I spend a good portion of each day at least two hours on the phone, talking to real estate agents. Yeah, building those relationships. And then I spend a good chunk of my day talking to to homeowners, first time homebuyers, aspirational people wanting to get their a home that need.

00:18:38:05 - 00:19:04:14
Nate Carver
Maybe they're not quite ready, but they need a good mortgage. Right. And, to get mortgage ready. Yeah. It takes time. It does. You know, I so one of the things I do when I'm not doing anything else is gardening and is it is a nice for me, it's, it's delayed gratification less and every year for me, because, you start in the dead of winter when everything is dormant, gray and cold, and you start with the seed.

00:19:04:14 - 00:19:33:22
Nate Carver
That's teeny tiny. Yeah. And, and then here it 1st of June. I'm reaping a harvest. The bloom. Yeah. And so that process to get to where you can go out and gather, vegetables or fruit. Yeah, takes some time. It does. You know, in a world where you've got to have something now, even buying a home, I'm in the quickest I've ever help someone back home was ten days, but generally it's 30.

00:19:33:22 - 00:20:01:03
Nate Carver
Yeah, plus or minus. But sometimes you. It takes three months or six months or a year and a half. But the journey's worth it if you can. You know, the end goal. Getting to that recovers. Whatever the issue is getting your Fico scores, your debt nailed down and all that good stuff, building those plans for people and getting them to a home is, you know, into a home, whether it's in today's 30 days or that's it for now.

00:20:01:04 - 00:20:01:13
Devin Dubuc
It doesn't.

00:20:01:13 - 00:20:08:10
Nate Carver
Matter. It's their journey. Yeah. They're not competing against anybody. Yeah, it's just their journey. And I'm happy to be a part of that.

00:20:08:11 - 00:20:14:15
Devin Dubuc
It goes back to your roots in farming. Yeah. You know at the end of the day you know you know what it takes to to to harvest something.

00:20:14:15 - 00:20:14:22
Nate Carver
Yeah.

00:20:14:22 - 00:20:22:18
Devin Dubuc
And ultimately some things take a little bit longer than others to get ready. And that's okay. You know, because you're ready to meet people wherever they're on their journey.

00:20:22:18 - 00:20:23:06
Nate Carver
That's right.

00:20:23:09 - 00:20:34:05
Devin Dubuc
Whether they're ready right now or whether they do need all that long term preparation to really get themselves there, because your whole mission in life is to make people homeowners. Yeah, right.

00:20:34:07 - 00:20:35:04
Nate Carver
That's right. Yeah.

00:20:35:04 - 00:20:51:21
Devin Dubuc
And it doesn't matter what it takes, you know, nature, they're side by side with them. Yeah, right. Like that's what I see, man. I see like Nate marching through the jungle, you know, with, you know, two people who are a little battered, a little worn, and, like, they feel like maybe they can't get free too, right? You know?

00:20:51:21 - 00:20:57:18
Devin Dubuc
And Nate's there to, like, you know, chop down the trees and lead the way and, like, yeah, get him to freedom. Right?

00:20:57:21 - 00:21:10:23
Nate Carver
That's right. I just okay. So this the world's changed a lot. So lenders don't really meet their homeowners very often. Right. Because it's all digital. It is. Yes. Online is on the phone.

00:21:10:23 - 00:21:12:10
Devin Dubuc
That's how we're meeting you guys right now.

00:21:12:10 - 00:21:35:17
Nate Carver
Yeah. And but I helped a girl and her husband. First time home buyers. It took them a year in three months to get mortgage ready and closed on a home. Yeah. They bought their home in August, so they are almost a year, first time, almost a year in their home. That's awesome. She is she is a waitress at a Texas Roadhouse.

00:21:35:17 - 00:21:52:05
Nate Carver
Yeah, up in North Texas. Yep. And I walk in there. I've only seen her photo on a driver's license. Right. She knew who I was. Yeah, and she comes up, she's. Oh, God, Mr. Car, blah, blah. It's like Mr. Carver, that's my dad. And so I was.

00:21:52:05 - 00:21:54:24
Devin Dubuc
Like, I bet your dad too. Nice. He's a great guy. Yeah.

00:21:55:05 - 00:22:08:15
Nate Carver
And so it's like, it's like, let's, you know, meet and, and then I saw her name tag and I was like, oh, my gosh. Because she has a very unique name. So then it finally clicked for me because.

00:22:08:20 - 00:22:10:16
Devin Dubuc
This is the person I helped get in there.

00:22:10:21 - 00:22:30:01
Nate Carver
Yeah. And and, anyway, so we've connected well, after her buying her a house, and, we got talking about the garden. Yeah. Scenario and how great, how happy she is with their home. Right. And and they're all doing fantastic. You know, it's like, you know, I've got this garden. Tell me what you like to eat. Yeah.

00:22:30:01 - 00:22:34:21
Nate Carver
And so she told me and I was like, well, I happen to have a I had picked a mountain Eterna.

00:22:34:21 - 00:22:37:02
Devin Dubuc
I remember your post. Yeah.

00:22:37:04 - 00:22:43:17
Nate Carver
I mean the mountain, the turn is three feet tall. You know, for those you don't like turnips. I don't know what's wrong.

00:22:43:18 - 00:22:46:16
Devin Dubuc
I love turnips, man. I put them in a stew, you know, but when.

00:22:46:16 - 00:22:58:11
Nate Carver
I put them in a stew, there's a couple. Yeah. And so I'm going to deliver her, some vegetables a lot. She that though, she doesn't get a whole lot of a lot of stuff. But anyway, that's that's kind of relationship.

00:22:58:11 - 00:23:19:23
Devin Dubuc
I have to buy a house, get some turnips, maybe some honey, because that also works with honeybees, you know? But but I want to talk about that real quick, you know, is this something that you want from the lender that you're working with? You know, do you want to know that they are going to not stop after the transaction, right, that they're going to be there for you and, and and be there, you know, for your family and your generations?

00:23:19:23 - 00:23:35:10
Devin Dubuc
I mean, that's I think that's what this business is all about, you know, and I do think that, you know, we've got some shift happening right now in this industry. We're sure, you know, some of these big box lenders are going to provide services that allow for people to get things without happen to a human being. That's going to appeal to some people.

00:23:35:12 - 00:23:55:20
Devin Dubuc
But what about that waitress, you know, that worked for Roadhouse, that wasn't mortgage ready, that couldn't go online and log in and get qualified for a mortgage without your help. Those people are going to need you. Yeah. And, that's what we got to remember, is that it's not just about instant gratification. Sometimes some people can't obtain instant gratification so far out of reach for them, you know?

00:23:55:20 - 00:24:13:22
Nate Carver
Yeah. And their housing needs will change as high as their the family income chores and grows the that first time home buyer will turn or upgrade to a bigger home. That's right. Different home, different location whatever. Yeah. Maybe want to invest in you know second home is investment property.

00:24:13:24 - 00:24:15:18
Devin Dubuc
No question.

00:24:15:20 - 00:24:17:21
Nate Carver
Because they're on that trajectory now.

00:24:17:21 - 00:24:19:07
Devin Dubuc
They are.

00:24:19:09 - 00:24:20:14
Nate Carver
Someone.

00:24:20:16 - 00:24:22:15
Devin Dubuc
Well, now there's, there's somebody to get an education.

00:24:22:19 - 00:24:23:09
Nate Carver
Right, to.

00:24:23:09 - 00:24:27:24
Devin Dubuc
Show them how you can actually not only on one, you get a multiple and you could start building a.

00:24:27:24 - 00:24:29:06
Nate Carver
Portfolio. Yeah.

00:24:29:06 - 00:24:32:03
Devin Dubuc
So that when you retire you have.

00:24:32:03 - 00:25:09:02
Nate Carver
Well, it's funny, I see this on my initial call with, someone that's looking to buy a home is they see lenders as the bank. And that's the for all the stereotypes that that raid earned. Sure. So, just me too. I look at the I look at banking the same way everybody else does. Yeah. And but then you bridge this gap from they thinking you're an adversary to them getting a home, to realizing that the mortgage lender, like their real estate agent partner, is their advocate.

00:25:09:02 - 00:25:29:09
Nate Carver
And they're, you know, I take and, you know, I take a fiduciary responsibility to give them the best. Yeah. I find exactly what they're looking for, meet their needs and all of that. And, you know, present to them a pathway to that. That's because relational at that point it does. And that I carry that on well beyond closing.

00:25:29:09 - 00:25:54:24
Nate Carver
Yeah. Yeah. You know, and, you know, figuring out who they are. And by the time you get to closing, I think a lender and a real estate agent would know they're now homeowner. Yeah. Personally. And, and as those lives grow and mature, those other opportunities will present themselves. They do? Yeah. And that's my approach. It's relational.

00:25:54:24 - 00:26:04:19
Nate Carver
The transaction is in there somewhere. Yeah. But the it is genuine. It's authentic relationship 100% and then is served me well. Yeah.

00:26:04:21 - 00:26:21:07
Devin Dubuc
And Lord it served you well but it's serve your clients well. Yeah. Your your customers become family. And you know they know they can lean into to Nate when they need something. And, you know, your, partners become their partners. You know, we talked about that earlier on where, you know, bringing your agent partners on and then letting their partners come on.

00:26:21:07 - 00:26:37:18
Devin Dubuc
And that's one thing that I think people have to understand when you're talking about real estate, your loan officers and your agents, they have networks of people that help you. Right? So when it comes time to, you know, fix that leaky faucet or, you know, install a new addition to the house or, you know, work on something that you just don't know the right call for.

00:26:37:24 - 00:26:53:07
Devin Dubuc
You can they can call you. Yeah. And if you don't have somebody for that service, you can call the agent. And that agent's going to have a network of people that are now your people. Right. And that's what you're buying into when you're working with the right teams or the right people. It's all those relationships, right? Yeah.

00:26:53:09 - 00:27:11:06
Devin Dubuc
That you get behind it when it's transactional. There's no relationships, right? Like, yeah, they may have relationships you wouldn't know anything about because they're not going to tell you, you know, but when it's relational and they need to call you and ask you a question about their escrow account, you're probably going to be able to pick up the phone and help them guide with right answers, right?

00:27:11:06 - 00:27:12:11
Devin Dubuc
Yeah, yeah.

00:27:12:13 - 00:27:20:18
Nate Carver
Yeah. And, I don't know, I can, I can I can we talk? I guess maybe what we're doing for realtors.

00:27:20:18 - 00:27:21:20
Devin Dubuc
Yeah. Let's shift gears, man.

00:27:21:22 - 00:27:44:21
Nate Carver
All right. Yeah. But, I feel like there's something there I was just thinking about, and, and, at Premier leaning in or through Premier Lending and what I'm doing. Yeah. And we do the podcast. We do that. And as you do too. I just had a win today with the real estate agent. I use move to.

00:27:45:00 - 00:27:48:19
Devin Dubuc
Yeah you do. And great program. Shout out to the guys over at move to.

00:27:48:19 - 00:28:13:02
Nate Carver
It's yeah it's one of my it's my favorite tool. Yeah. With agents real estate agents that have listings. Yes. And their slogan is list with me. I'll get your home on TV. I had a real estate agent call me, yesterday, and she said she. She's a real estate partner, and she sent me a lead. Right. Got them qualified.

00:28:13:02 - 00:28:27:17
Nate Carver
So I called her back, and I was like, hey, I've got your buyer qualified. Great couple, well qualified, 300,000. That's a cap. That's a match they can offer to. And she's like, oh, that's great, I guess. Amazing news for you. I thought she'd be ecstatic about the.

00:28:27:17 - 00:28:29:14
Devin Dubuc
Yeah yeah yeah. Getting them ready to go. Yeah.

00:28:29:14 - 00:28:41:12
Nate Carver
Yeah. And she was. But she was more happy that she had just completed a listing presentation with the client. Our homeowners, and she says she was like, one of several. Yeah. That were.

00:28:41:16 - 00:28:46:18
Devin Dubuc
They were interviewing him. Yeah. Yeah. We're doing the realtor. Their agent. Yeah, yeah. Just smart to do, by the way.

00:28:46:22 - 00:29:04:00
Nate Carver
And that she did her presentation and then she said, let me tell you what we're going to do to get your house sold. Yeah. National, national exposure. Yeah. We're going to get your TV commercial. And across all social media platforms, you're going to it's every streaming TV platform.

00:29:04:02 - 00:29:05:08
Devin Dubuc
Yeah. So everywhere. Yeah.

00:29:05:09 - 00:29:26:13
Nate Carver
The thought the the homeowner, the husband perked up. She said, yeah, he perked up. He was glazed over on everything. But he perked up on that TV commercial. Yeah. And, at the end of that, she said, okay, would you like for me to be your listing agent? Yeah. And they they were like, absolutely. They cancel everybody else.

00:29:26:15 - 00:29:51:02
Nate Carver
They missed scheduled to the realtor, appointments. Yeah. And she's got that listing that's assume that was a $700,000. Was fantastic. That real estate. So there's $1 million right there. Plus she's getting a referral fee. So they're moving to Florida. Yeah. And I was like I happen to know somebody that's licensed in Florida. Yeah. Me you. It's so funny.

00:29:51:02 - 00:29:51:10
Devin Dubuc
How that.

00:29:51:10 - 00:30:13:22
Nate Carver
Works. Like a license in Texas and Florida, a couple other Alabama, Tennessee and Colorado. And I was like, I to be licensed in Florida. She said, I'll introduce you to them. Yeah. Tell them this is the loan officer that got them the TV commercial. That man or made that happen. It's anyway completely respa, compliant, but yeah.

00:30:13:23 - 00:30:33:23
Nate Carver
So, anyway, so there's that introduction and, and I'm going to earn that. I hope to earn that business, but I'll, we'll be introduced to their buying agent in Jacksonville, Florida to train. Yeah. So there's an opportunity. Lot of neat opportunities and paychecks for her.

00:30:33:23 - 00:30:49:09
Devin Dubuc
I think we talk about that real quick. You know, because if you're an agent and you're tuning into this. Yeah. You know, what are we talking about? Well, do you have a loan officer that's supporting you? Right. You know, and supporting in all the ways, you know, again, not that it's an advertisement for any, but it is an advertisement for that because that's doing amazing things out there.

00:30:49:11 - 00:31:07:17
Devin Dubuc
You know. But getting your listing on TV, like, you know, that could be that little icing on the cake that really wins your client over, right? Yeah. And, you know, this is a tool that's being provided by you towards them for free. Doesn't cost them anything. Does cost you something. Sure. But at the end of the day, it's well worth it because we're providing a great service.

00:31:07:19 - 00:31:25:03
Devin Dubuc
And, now the agent gets the client on TV. Client perks up now has multiple opportunities. You have multiple opportunities. And, and I think it's a great program. You know, I got to tell you, just you reminded me of something when you were telling that story. And I think this is for buyers out there to interviewing your agents.

00:31:25:03 - 00:31:41:18
Devin Dubuc
Right. And and making sure that you have an agent that's truly working for you. So I just had a recent experience. And, you know, if the agent that did this, is listening in, I apologize that. But I got to bring this up. Right. So friend of mine, somebody that I've known for a long time, in my hometown, got a property out there that, I purchased from mother.

00:31:41:18 - 00:32:04:19
Devin Dubuc
She passed away, and, you know, so now we're putting it out on the market. Well, let's settle the market for a little too long. I just out of sight. Out of mind. Right. And and genuinely, you know, just assumed that this person was doing a great job marketing the home. Sure. And, so finally, we get a letter from the city, and our yard's not been moved up, and that it's, you know, I literally we they take pictures.

00:32:04:19 - 00:32:23:23
Devin Dubuc
It's almost three foot tall in the backyard. Right. And, so we reach out, hey, like, how do we not know this? Right? You just had an open house here. Like, how did you do an open house with three foot tall grass in the backyard? Yeah, right. This doesn't make sense. So. Hey, sorry. I'm gonna have to cancel this listing with you and move on to somebody else.

00:32:23:23 - 00:32:45:00
Devin Dubuc
So I did my fair share of interviews with the next one. Didn't move to, but I found somebody that I knew was qualified. Right. And literally within two days, she'd been to the property, told me all the things that were wrong with it, all the reasons as to why it wasn't moving right. And in addition to that, talked about her plan to get it marketed and get it back on the market and get it, get it looked.

00:32:45:00 - 00:32:45:24
Nate Carver
At, right.

00:32:46:01 - 00:33:04:08
Devin Dubuc
And so within five days, not only did she tell me how to prep the property, but had all of her relationships like we talked about before, who come out and helped get the property groomed and ready to go? But also explain to me, one of the reasons that it's not listing is because when you put the market home on the market, it was unique at that point in time.

00:33:04:08 - 00:33:22:10
Devin Dubuc
But since then there's a new construction program that's come up or, locations come up. They have homes that are actually 400 square foot bigger, that are brand new. They're selling the exact same price point as to where mine was marketed. Now you think somebody is going to buy a pre-owned home or brand new home when they're in the exact same price point and 400 square foot better with an extra bedroom?

00:33:22:10 - 00:33:22:19
Devin Dubuc
Yeah.

00:33:22:19 - 00:33:23:06
Nate Carver
They can.

00:33:23:06 - 00:33:42:23
Devin Dubuc
She knew her market. She knew what she was doing. So what does she do? She takes it. We list it. We're probably needed to be listed. And we put it on TikTok, Facebook, all the social platforms, open houses. Working with the right partner is so important, right? The failure for your lender perform could cost you thousands of dollars.

00:33:43:01 - 00:34:01:00
Devin Dubuc
The perfect for your agent, partner informed could cost you thousands of dollars. In this case, it did. I've made multiple mortgage payments in a very small amount of those are going to principal. I've been making, payments towards, gas and electric right on the property. And I'm not living in this home. Right. And, it's been on the market for far too long.

00:34:01:00 - 00:34:15:15
Devin Dubuc
So, guys, using tools like this, like move to break, which is what you're using, and selecting the right lender partner like agent partner even if I'm in the industry. Right. Yeah. And know that your relationships are the ones that are going to get you to the finish line.

00:34:15:17 - 00:34:30:14
Nate Carver
So this is a question I'm going to start asking with my real estate agent. Partners is it probably any real estate agent is what really what is your lender doing for you your loan off that loan offer? You know.

00:34:30:16 - 00:34:31:08
Devin Dubuc
That's right.

00:34:31:09 - 00:34:51:17
Nate Carver
There's a lot of stuff out there to be done. Yeah I think but there's you know, there's you can be there's busywork and there's there's things that really help move the needle. Move the needle, help real estate agents grow their business, free up their time, help to make more money. That's that's something I'm going to dig into.

00:34:51:17 - 00:35:15:01
Nate Carver
Yeah. I talked to a lot. A lot a real estate agent. I know you do a lot of conversation, and I really want to know because I don't know if real estate agents know that loan officers. So our loan officers have dropped dramatically. They have, there was 180,000. It's now it's a lot less than 100,000 a year.

00:35:15:01 - 00:35:16:08
Nate Carver
It's going to be a lot closer.

00:35:16:10 - 00:35:17:18
Devin Dubuc
It's going to continue to move down.

00:35:17:19 - 00:35:26:16
Nate Carver
Yeah. So the ones that are remaining are, are working. They are they they have volume units, books of business.

00:35:26:16 - 00:35:27:20
Devin Dubuc
That's it.

00:35:27:22 - 00:35:51:05
Nate Carver
Or they're in what I call chop shops. Yeah. And you know they just answering the phone and you passing on. Right. You know what do do do real estate agents look at lenders and go, what value is this person bringing to my business? Yeah. They may not know what a lender can bring to. And I'm not talking about loans.

00:35:51:05 - 00:35:55:13
Nate Carver
Yeah. Products. No. Everybody's got products. Right. That's papers and numbers.

00:35:55:17 - 00:35:57:04
Devin Dubuc
If you can't get that right get out.

00:35:57:05 - 00:36:14:15
Nate Carver
Yeah. Should be a lender. Get out, get out. But I'm talking about what is a real estate agent able to do. Like do they have mortgage coach. Yeah. Do you have move to. Yeah. Are they is that lender afraid to pick up the phone because there are a lot of lenders that are afraid they're going.

00:36:14:15 - 00:36:16:12
Devin Dubuc
To touch the lead text partner. Right.

00:36:16:12 - 00:36:17:15
Nate Carver
Yeah. Do they call.

00:36:17:15 - 00:36:18:16
Devin Dubuc
You follow up.

00:36:18:16 - 00:36:19:06
Nate Carver
And keep you.

00:36:19:06 - 00:36:21:04
Devin Dubuc
Informed? It's it.

00:36:21:06 - 00:36:24:15
Nate Carver
On the on a transactional name, just a transaction informed on the.

00:36:24:15 - 00:36:39:06
Devin Dubuc
Lead. Are they an order taker or they actually helping your client get to their needs? Right. Yeah, I think that's important to do. They pick up the phone. The client said, this is what I want. And here's what it is. Yeah. Where do they actually take the time to listen to the client's needs and walk them through opportunities?

00:36:39:06 - 00:36:41:12
Devin Dubuc
They're going to be the best for them, right.

00:36:41:14 - 00:36:51:05
Nate Carver
Because you know, that kind of partnership, there are partnerships that can help real estate agents and it not cost them. That's it and vice versa.

00:36:51:10 - 00:36:58:04
Devin Dubuc
Well, hold on. If they don't have that partnership it is costing them. Well yeah. They just don't know it.

00:36:58:04 - 00:37:18:08
Nate Carver
Yeah that's true. Yeah. That's that is that is that is very true. So anyway that that's something I, you know, I look at or I think about the value add that I bring to. So if I'm the value add that's how I approach it. Yeah. But then let me show you the tools that I'm not just going to give you.

00:37:18:08 - 00:37:34:06
Nate Carver
These are the tools that I'm using to help grow your business. That's it. And and take care of your client. The way I see it, the real estate agent is my last. Yeah. It's, Yeah. And so I. I'm taking care of that relationship. That's what.

00:37:34:08 - 00:37:51:06
Devin Dubuc
Well, that's you know, that I love that you said that because that's exactly. And I knew that was your philosophy. It's exactly what I look at. It too, is like, you know, you, boots on the ground, you're out there working direct with agents. You're out there working directly with the clients. Those are your customers, right? And it is your job to give them value.

00:37:51:06 - 00:38:08:21
Devin Dubuc
Right? And if you're not, you should fire yourself, right? You should literally fire yourself. Like I'm not doing what I'm supposed to be doing, but, you know, from a leadership side of the business because, you know, you know, that's where my role lies into you're my customer, right? And if I'm not bringing you value. Yeah, yeah. Fire me.

00:38:09:00 - 00:38:26:15
Devin Dubuc
Right. So I think that goes not just to the agents out there, but it also should go to the loan officers out there. Right. If you're working for a company and you're not getting anything from them, it's all, what are you bringing to me? You might want to reevaluate the person that you're actually working with. Yeah. And is this a good relationship for me?

00:38:26:15 - 00:38:47:00
Devin Dubuc
Is this going to bring me value? You know, and I think, you know, that's a big part of the reason as to why we aligned. Is there certain things you were looking for from the vendor you were in the business you're going to work for and represent it? Right? And, you know, I think that's one thing Premier Lending does offer, right, is we bring value to our originators because you're our customers, right?

00:38:47:01 - 00:38:54:08
Devin Dubuc
And we want to make sure that you have the tools that are necessary to get out there and be successful at everything you do.

00:38:54:10 - 00:39:05:04
Nate Carver
I agree, I'm looking I'm very optimistic about the market. I'm very optimistic about real estate in general. Yeah. I, I work with some wonderful real estate agents.

00:39:05:04 - 00:39:08:15
Devin Dubuc
You do? You've got a great, great group of of partners.

00:39:08:15 - 00:39:47:14
Nate Carver
Yeah. And, it's fantastic. And that's growing this year. Yeah. This year I will be launching, or expanding. So, the new title right now, I'm a branch manager, but I'm managing one person. He's he's awful. He's awful. It's me. So I get to manage me. But this year, I'll be growing the brand. And, to me, I am so looking forward to that, because that's an opportunity to be a coach, a coach and lead to teach and, help other fellows grow their business.

00:39:47:16 - 00:39:49:05
Nate Carver
You know, I mean, well, and.

00:39:49:07 - 00:40:04:01
Devin Dubuc
Let's talk about that because I also know. And then we'll get some closing thought. Okay. You know, I also know that this has been a dream for muse for, I remember sitting at a, a little spot in, claret down at the Tampa, Florida, smoking a cigar.

00:40:04:01 - 00:40:04:14
Nate Carver
Yeah.

00:40:04:14 - 00:40:06:20
Devin Dubuc
And, you know, you were telling me what your dream was.

00:40:06:20 - 00:40:07:05
Nate Carver
Yeah.

00:40:07:05 - 00:40:19:12
Devin Dubuc
Hey, you know, I want to become a branch manager because I want to be able to help more people. Right. It isn't about. I want to help myself. I want to help more people. And how can I help more people? I can actually, you know, bring people in under me and show them how I do what I do.

00:40:19:12 - 00:40:35:06
Devin Dubuc
So they can become great at what they do. Right? Right. And, here you are, man. You know, taking those steps and leaping forward so that you can provide that service, you know, to the people out there. So, you know, congratulations for you to stepping up and saying, man, I'm going to I'm going to do what I believe in.

00:40:35:10 - 00:40:53:19
Devin Dubuc
And, you know, the other thing is and guys, if you watching it and you're wanting to know, well how is Nate created the success. How many years. And I know you've been in it for a little long longer. But how many years have you really been heavy into this retail thing and getting to the point where you doing the kind of production numbers that you're doing today?

00:40:53:21 - 00:40:59:07
Nate Carver
Almost three years. Yeah, I've been in the business for five. It's a and the last three.

00:40:59:07 - 00:41:15:03
Devin Dubuc
But let's talk about the ones that really count. Right. Because the at the beginning, I know, you know, you jumped into more one of those chop shop kind of things. Yeah. And you had to figure out out of the blue because the market changed radically how to build a retail market base.

00:41:15:03 - 00:41:16:01
Nate Carver
Yeah. So we've.

00:41:16:01 - 00:41:17:23
Devin Dubuc
Done it masterfully, you.

00:41:17:23 - 00:41:35:23
Nate Carver
Know. But it's just great coaches I've met some God's put some wonderful people in my life. Yeah. And you know, in answering the need. Yeah. And, it was considered a lot. I didn't know I mean, there is a ton of goodness. I came out of the chop shop during the refi boom.

00:41:35:23 - 00:41:36:20
Devin Dubuc
I know you.

00:41:36:20 - 00:41:49:24
Nate Carver
Just go outside and yell, you're in, Jeffery. And people would come to you and and, so but that disappeared. So there was a year there where I did nothing. Yeah. But and I knew.

00:41:49:24 - 00:41:50:21
Devin Dubuc
That that's why I.

00:41:50:21 - 00:42:02:24
Nate Carver
Did plenty. I did plenty of the wrong things. Yeah. And I had plenty of nothing to show for it. Yeah. And, and then it was like, I gotta figure this out. So that's when I get. I did coaching for a coaching coach.

00:42:02:24 - 00:42:03:22
Devin Dubuc
Rick. That's how you got.

00:42:03:23 - 00:42:10:19
Nate Carver
Yeah, that's on that, coach. Rick, the, the very first, coaching event that I ever went to.

00:42:10:19 - 00:42:11:06
Devin Dubuc
That's right.

00:42:11:10 - 00:42:13:10
Nate Carver
And more and and and me and then.

00:42:13:14 - 00:42:13:20
Devin Dubuc
And then.

00:42:13:20 - 00:42:23:06
Nate Carver
We met and then we ended up making, you know, and, anyway, we just, you know, so I think the only two years so.

00:42:23:06 - 00:42:24:06
Devin Dubuc
That's exactly.

00:42:24:06 - 00:42:25:00
Nate Carver
That was into.

00:42:25:00 - 00:42:47:00
Devin Dubuc
It. So the reason I ask you that is for the one others out there that are just getting started, that are maybe not where you want to be. Yeah. Join a coaching program. Right. Join a team. Come work for it. Yeah. Have somebody who knows what they're doing. Show you the way so that you, in two years, can be talking about building your brand to the next level, like Nate is.

00:42:47:00 - 00:42:59:24
Devin Dubuc
And I just, I like to end because we talked about talking about people's journey. Right. And like, you know, giving some people some, some aspiration as to how they can achieve their goals. Yeah. And that you've done it, you know what I'm saying? You've done it and I know you're not done.

00:43:00:00 - 00:43:00:16
Nate Carver
It's true.

00:43:00:17 - 00:43:22:08
Devin Dubuc
And no, you're not done. But you've done it because I know where your production was. Yeah. And I know where it is. I know where your relationship started zero and where they are today. And, man, you know, hats off to you, my friend. You know, for accomplishing what you've done in such a short period of time. And I know it was from passion and hard work because I've seen you do it, man.

00:43:22:10 - 00:43:29:00
Devin Dubuc
But, I do think we got to close this one out today. So what's the closing words? Nate, anything you want to say to the folks out there?

00:43:29:02 - 00:43:36:20
Nate Carver
The journey is worth it. Yeah. It is, the journey is worth it. Yeah, that's one we stick with.

00:43:36:20 - 00:43:47:04
Devin Dubuc
Yeah, I like it, man, I like it. Well, when the folks out there want to find you, and if they've stuck it out this long, they're probably really interested in doing that. Right. How do they find your brother? What's the best way to get in touch?

00:43:47:04 - 00:43:55:07
Nate Carver
The best way to get a hold of me. Nate carver.com. Is my personal website too easy know that, just like it sounds.

00:43:55:07 - 00:43:58:02
Devin Dubuc
Yeah, NHTSA, rv VR.

00:43:58:04 - 00:44:15:12
Nate Carver
Yeah. And, that that's all my links are right there. There it is. (972) 832-5761 is my, my number in cortex. But Nate carver.com is the best way to get to everything that I do podcast. Every bit of. It's all.

00:44:15:12 - 00:44:32:05
Devin Dubuc
Right there. All of it. Well guys, if you're watching and you saw it run across the bottom of the screen, if you're driving, don't, don't watch. But when you get pulled over, look down in the description. You'll have all his information right there. So you don't have to remember it. But, we know you gotta remember Nate.

00:44:32:07 - 00:44:53:06
Devin Dubuc
Especially after that one, man. You know, brother, again, thank you so much for your service inside and outside of the military. You know, you're out there saving people. Still today. And, brother, I'm just proud to be sitting here side by side with you, man. Thank you. You're good friend. So. Yeah. Great stuff, guys. Well, you know who we are and keep coming back to me.

00:44:53:06 - 00:45:16:06
Devin Dubuc
Great guess by Nate. I'm sure he'll be back on at some point in time. Go check out his podcast Between Two Doors. It's definitely entertaining. You're going to meet some really inspiring people on that show as well. And make sure that you like, comment, share, follow, comment on his page. And but until the next time, guys and gals, we will see you then.

00:45:26:15 - 00:45:34:17
Unknown