Crowning Connections: Debt to Relentless Success

US Mortgage’s Mike Fitzpatrick speaks with Monarch Roofing’s Rob Clemons on #podcast Crowning Connections.

Company Culture
Growth as a Manager: BOOM!
The Drive of a QB
DISC & Moneyball
Debt to Relentless Success
Buzz Word: Patience. Play the Long Game


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Rob Clemons
Welcome to Crown Connections with Rob Clemens and Monarch Roofing. Today, I’m really excited. We got a guest speaker with us and it’s Mike Fitzpatrick from US Mortgage. Mike, good to have you on today.

Mike Fitzpatrick 0:20
Appreciate it.

Rob Clemons 0:21
All right, man, it’s it’s great to have you. Actually you are a fellow podcaster. So

Mike Fitzpatrick 0:25
I am.

Rob Clemons 0:25
We got to talk about that

Mike Fitzpatrick 0:26
Allegedly. I haven’t been real consistent with it. So I’ve got to get back to it.

Rob Clemons 0:30
Right. Well, you put out at least one a year, right? I mean,

Mike Fitzpatrick 0:33
One a year, maybe one every two years.

Rob Clemons 0:36
Yeah. Well, that’s consistency in some weird way. Now, but yeah, but it was seriously No, I mean, I’m gonna jump right into that. Because, you know, we’ve been doing this podcast for, you know, a number of shows now and have a lot of fun with it. What, what do you has been the key to doing a good podcast?

Mike Fitzpatrick 0:51
I think the key to doing a good podcast is just being authentic. Number one like that too many people jump on to podcasts and try to, like create this persona, or like this thing that they want to create, like, you just have to be authentic, because that, in my opinion, with all the crap that we see on social media, like everybody’s their own PR manager. So we ended up getting to a very watered down version of people, but if they were authentic, like, people would get a lot of value out of that. So if you’re struggling in your marriage, or you’re struggling in business, or those kinds of things, like to me too many people like sugarcoat that and don’t want to talk about it, when that would help the person that’s listening. And so I think that’s super important.

Rob Clemons 1:33
I mean, I totally agree with you. It’s funny, because sometimes we’ll be before the show, we’ll actually be having some great dialogue, and you’re talking about real things that people want to hear about. And then all of a sudden, the minute the mics come on, it’s like, okay, well, now let’s get into business mode and

Mike Fitzpatrick 1:45
Oh people freeze up like a deer in the headlights.

Rob Clemons 1:47
Yeah, exactly. Exactly. Exactly. And, you know, one of the goals with this, this Crowning Connections was always I wanted to be able to, you know, give people real world slice of life, you know, and things that you’re doing. Because if you’re a business leader, if you’re a business owner, just worker to business, anything, we’re all going through some of the same stuff. And so, you know, I kind of thought it was great to have you on here and kind of get some of your your brain picking ideas. So let’s talk a little bit more about how you come up with your content for your podcast you actually think this through or do you just kind of get on the mic and start?

Mike Fitzpatrick 2:17
Everything’s off the hip? Yeah, I’m mildly redneck at Tom. So I associate things with guns, but it’s straight off the hip with a six shooter and…

Rob Clemons 2:26
Well done.

Mike Fitzpatrick 2:29
One of the things for me is, is again, back to that authentic authentication of like, who I am as a person. What you see is what you get with me. I’m not the most intelligent person in the world. I’m not. I just, I’m me. And that’s, that’s what we do on on our podcasts that we do for our three. And then, of course, I have another one that’s more industry syndicate type thing. Yeah. On the mortgage side, that we push out some content that is industry related. And that’s gonna things.

Rob Clemons 2:57
Absolutely. Well, tell me a little bit about US Mortgage, what do you do over there?

Mike Fitzpatrick 3:01
We do mortgages. And so on the mortgage side of things, I have a funny saying, and people roll their eyes at the office whenever I say it, but “we’re trying to create the Chick Fil A of mortgage experiences.”

Rob Clemons 3:13

Mike Fitzpatrick 3:14
So when you go to Chick Fil A, sometimes a mortgage takes a little bit longer because of your financial profile, or whatever it may be. And sometimes you sit in the Chick Fil A line for a little bit longer than than you’re expecting, but the type of customer service that you get from us, and whenever you’re in that line, at Chick Fil A, you end up leaving feeling like you had a great experience. And that’s the whole vision and the whole process that we try to do on our side. Every mortgage company has all the products, they can wow you with rates and you have all this different stuff. And those are all great talking points. But in my side of things, we want to wow people with service.

Rob Clemons 3:50
You know, I’m gonna ask you the same thing. It’s amazing you use a Chick Fil A reverence, because I was literally in the Chick Fil A line about two weeks ago, and I pulled up to the spot where, you know, sometimes you just waiting for a little bit to get your food. And I’m talking to the guy, you know, at the you know, they actually come to your car at Chick Fil A nowadays, you know, they’ll actually come out and say, “Hey, what are you ordering?” So you don’t have to wait as long. And I just said to him, I was like, “how did they find you?” Because whenever you go to Chick Fil A, they always have such nice people. And he was kind of tell me a little bit about that. So I’m going to actually ask you this question. How do you guys find those great people that bring the great service because it’s not easy finding these people? Right?

Mike Fitzpatrick 4:27
Yeah, it’s it’s definitely not easy. There’s a saying out there that says “Quick to hire, quick to fire.” We have gotten into that mindset. We we want to get people into our organization and the people that flourish are the people that buy into what we’re doing. So I would say just constantly looking, constantly trying to find that culture fit of what we’re doing. Right now, I got into the mortgage business when I was 21, 22 years old. Fast forward, I think I’ve been in like six years now at 28, so overall, it’s just been another step in the vision process, because I had a grandiose vision coming into the business. So now as we continue to grow is just adding pieces to the puzzle to get us to a be a billion dollar region. And it’s it takes culture fits. And if you’re not a culture fit, and you’re not going to want to be on the train, unfortunately, you’re going to have to get off. Because we’re, we’re creating a lot of momentum. We’ve got a lot of inertia behind us, and we’re trying to just blast through every wall that we can.

Rob Clemons 5:32
Describe your company culture in one word.

Mike Fitzpatrick 5:36

Rob Clemons 5:36
I give you one word! I’ll give you 3 words.

Mike Fitzpatrick 5:40
I would say, servant mindset,

Rob Clemons 5:43

Mike Fitzpatrick 5:44
That’s what I’m trying to create is a servant mindset of with with the hierarchy of our company, you genuinely get the feeling that like people want to help. And we genuinely want to close loans and like, they’re not just numbers to us. We want to beat down the wall until somebody tells us no. So we’ve got to escalate it to Fannie and Freddie all the way up to the top it just to get an answer on something to see if we can do a deal. We’re gonna we’re gonna put that like work in absolutely

Rob Clemons 6:10
No, that’s, that’s really cool. What do you think is the most common question that a first time homebuyer is asking you?

Mike Fitzpatrick 6:18
I would say, probably down payment related. If they’re a first time homebuyer, a lot of the times they’re not necessarily rate conscious. So they’re, they’re more what do I have to bring to the table? How much money am I going to have to have? Because a lot of them are piecing it together, piece in that puzzle together on the fly as they’re trying to buy something, and they’re trying to cash flow down payment? And those kind of things?

Rob Clemons 6:38
Yeah, gotcha. No, that makes a lot of sense. I think the you know, so I was in homebuilding before this. And I would have a lot of concerns with that. It always comes down to you know, how do I scratch up this down payment? I think a lot of the younger generation, so you know, you’re just graduating college or high school or whatever. And it looks like a tall hill to climb, you know.

Mike Fitzpatrick 6:55

Rob Clemons 6:56
But you would say to them that you can still get around that these guys, right?

Mike Fitzpatrick 6:59
Yeah. Yeah, for sure. Right? The biggest misnomer in the mortgage business is that you have to have 20% to qualify. It’s just not true. You can bring as little as 3% down on a conventional or, or 100% financing, if you’re out in the rural areas with with USDA. So it’s, it’s not as hard as people think.

Rob Clemons 7:20
Yeah, no, I’ve heard that, too. That That makes a lot of sense. So let’s get back to the company culture. I really like what you were saying with that, how do you motivate your employees?

Mike Fitzpatrick 7:29
being a leader that doesn’t tell people what to do, but but shows people what to do? That’s something that comes from my sports background. I played quarterback whenever I was younger, and I never wanted to ask people to do things that I hadn’t lived out; that I don’t do on a daily basis. So I think that that shows people that like my servant mindset is that I’ll jump in and try to fix any file. Like every file that’s in in our, in our culture, is my file, and I have to make sure that it closes on time. So I’m involved in every single one of them, sometimes to the point to where people are like “dude get out,” right. But I’m escalating things to management and making sure that just nothing slips through the cracks, because that’s, that’s just the type of person that I am. And I want to show that this is how you do it, because I’m also doing it.

Rob Clemons 8:20

Mike Fitzpatrick 8:21
And there’s a lot of people out there that, “hey, like, you don’t want to go to work for Mike, because Mike’s a producing manager.” Well, if I’m not a producing manager, I don’t know what those LOs are going through on a daily basis. I’m not taking business from them. But I have to know, all right, what’s the objections that they’re hearing? What are they hearing from agents as far as like their pain points and those kind of things. So I try to, I try to use that to understand what my owners are going through. So I know how to coach them through situations.

Rob Clemons 8:49
Powerful thing. I feel like that a lot of managers you get so far removed from the process,

Mike Fitzpatrick

Rob Clemons:
You know, you start coming up with ideas for the process without actually seeing the day to day pains. And I found like my most growth as a manager has usually been when I’m sitting down with a team, and I’m saying, “Hey, what’s going on?” And I really want to hear the problems. I think a common problem, if you’re a manager is that people don’t want to tell you the problems. And I’m always saying don’t bring me the problems, because we want to find them before they become a full on you know, fire.

Mike Fitzpatrick 9:19
Yeah, I tell people this is a funny thing that I came up with recently is I would much rather put the pin back in the grenade, then go pick up all the pieces around to try to reconstruct the grenade. Yeah, well, there’s gonna be something that blows up in my face. I’d much rather be able to hold it and put the pin back rather than trying to pick up the pieces.

Rob Clemons 9:38
And so he makes grenade references as well. Not just gun references.

Mike Fitzpatrick 9:43
This is a full fledged podcast.

Rob Clemons 9:45
Right, right. Do you ever use sports analogies?

Mike Fitzpatrick 9:48
Yeah, it’s one of the things that probably annoys people the most about me like everything’s a sports

Rob Clemons 9:54
Oh, likewise me. I mean, we can do that for a while, you know. Denielle is over here laughing because you know, a lot of times I’ll be stand up from a group I’ll go “Are there any sports fans in the room? Because I’m about to go through a whole bunch of analogies here?” Yeah, we’re gonna talk quarterbacks and you’re like, what is that, Rob?

Mike Fitzpatrick 10:06
Yeah. And you get in a room with agents, sometimes I’ll be speaking in front of agents and I’ll start throwing out sports references and I’m like, “Ut Oh. None of this is landing.” Yeah. I gotta refigure this whole out. Give me a second. I got to regroup and come back.

Rob Clemons 10:20
Yeah. Like, what do you guys into anyway? Basket weaving, okay. It’s like when a basket weaver is having trouble… like, what do you know? What do you do right. So you play quarterback in high school?

Mike Fitzpatrick 10:30
Yeah, I played quarterback in high school, in the college. Unfortunately, got hurt pretty bad in college. They said I would would never throw a ball again. And fast forward six months later, I was playing arena football. No way. I’m actually going to try to get back on the field here in about two weeks. Just kind of like a Beer League. Men’s football. Like full tackle, okay, full thing nice. Whatever, one of my promises to my wife, which she doesn’t care, but was that my son would see me play football and remember it. So that was aspirations of course, to be a professional football player, which you got to come down to reality when you’re only six feet tall. And…

Rob Clemons 11:12
Oh, yeah.

Mike Fitzpatrick 11:12
You run fast. But like, that’s all you got. So I want my son to be able to remember that. So he has something to strive for. Like dad was almost 30 and he was 30 playing football like that’ll give him a good frame and foundation to strive for something.

Rob Clemons 11:27
I mean, it’s kind of cool and too, you know, you look at it and you know, quarterbacks under six feet. It used to be la unheard of. Yeah. But now you got Kyler Murray, the NFL level and all these guys. I mean, it goes to show you can still do things even when people tell you you can’t.

Mike Fitzpatrick 11:39

Rob Clemons 11:40
What’s the furthest you could throw a football?

Mike Fitzpatrick 11:42
At one point from a knee I could throw about 55.

Rob Clemons 11:46
No way, from a knee. Pretty impressive. I mean, for anybody who’s listening hasn’t tried that. I mean, I’m sure if I’m on a knee… 15 yards.

Mike Fitzpatrick 11:52
Now I’d probably break every vertibre in my back. But it would not look pretty right now.

Rob Clemons 12:00
Yeah, no, that’s that’s I mean, you know, it’s it’s pretty cool. I would say at my prime standing up, I’m I have no throat like 50 yards. And that’s, that’s me. You’re running, running, start throwing as hard as I can. So you know, that’s pretty cool. You miss it?

Mike Fitzpatrick 12:13
It is the one thing that in my life. So whenever I stopped playing for a while actually coach so I coached at Socastee High School for five or six years and ended up calling offensive plays for the JV and some for the varsity at one point. Sports in general is just that competitive nature is what I miss. So mortgages does that. That is the one business for me that clicked with my brain because it does that for me. Like that loan comes in, and it’s totally sideways and all the screws are out of the loan. I want to put it back together because I’m so competitive, and like, I want that loan to work. If it doesn’t work, like I’m like up and one in the morning trying to figure out how to make it work because it just, I’m just too competitive to let something slide. So I would say the competitive nature of sports is kind of what made me what I am today.

Rob Clemons 13:06
Yeah, no, it’s really is pretty cool. Have you with yourself? Have you ever done any DISC Assessments or any personality profiles and such?

Mike Fitzpatrick 13:13
I’d never have never, I’ve never done one.

Rob Clemons 13:16
Alright, Danielle, remind me I need to send them a DISC assessment. These are we’re big fans of these. Here. You talk about company culture, I found it. You know, from the time we hire, I have my five steps of building company culture, since you’re going that route. And you know, the first one is obviously you want to hire the right type of person. So we give any salesman, any manager most small office people we give them what it’s called a DISC assessment. Yeah, you can be a driver influencer, you know, a stability person, a compliance person. And it helps me to know what people to put in what seats if that makes any sense to you. So a lot of times when I’m doing this, I’ll be able to kind of predict people. So we’ll be having an interview, you know, maybe interview two I’ve already had you take this, and I’ll start telling them things and they’re like, man, you read me like a book. I’m like, “Nah, I cheated. I read your DISC profile,” you know.

Mike Fitzpatrick 14:02
Like Moneyball, like analytics for this? Gosh, oh, it really is.

Rob Clemons 14:06
And you know, it’s interesting you say that, because I don’t feel like enough businesses do the Moneyball type of thoughts. You know, it’s like, “we want to do things old school way you want to do them, like, you know, you are always seeing it for the last 2030 years? Well, it’s like, guess what, you know, you got that diagnosis wrong. Because now we have the Generation Z people coming in, we have the millennials coming in. And there’s a different mindset. And I say coming in, I mean, the younger millennials coming in, and I think that you you really have to look at you know, what is going to make you most successful in 2021. And going forward, and it doesn’t look like what you thought it would.

Mike Fitzpatrick 14:39
And to be honest, you guys do a great job because a lot of people miss the mark on this younger generation. They think that they don’t want to work but the younger generation actually wants to, from from a mindset standpoint, they just want to be part of something bigger. So when you have a company culture and you’re trying to bring in a millennial or a young person, that is old school, it’s very top heavy, and they don’t feel like there’s any advancement and they’re not part of something. That’s where companies fail with the younger generation. If they’re, if they’re saying on the wall and like, they feel like they’re part of something bigger and they’re doing something and it’s a movement, you’re gonna get a lot more out of that younger generation.

Rob Clemons 15:20
Yeah, that’s fantastic advice. And I really think that, you know, hopefully people are listening to that and really understanding that that is the thing, because I know that there’s been a big knock for a while. It’s like, oh, they like hop jobs and things like that. It’s really not that so much. I think, like you said, they want to look at the bigger thing.

Mike Fitzpatrick 15:35
They are looking for a culture.

Rob Clemons 15:35
Yeah, for sure. Yeah. Fascinating. So as far as your yourself, let’s talk about you zoom back to, I don’t know, senior year of high school. What did you want to do for a career, besides playing football.

Mike Fitzpatrick 15:46
To be honest, like, I had no idea. So I’ve been around sales my whole life. My dad owns a financial planning and insurance company. So I’ve been around it my whole life. It was the one thing that I probably didn’t want to do. So it’s really interesting that I’m in what I what I’m in. So I actually wanted to be a teacher. I wanted to be a football coach and be a teacher and that was going to school for that and college. The school that I was at, I would come out and $150,000 worth of student loan debt. We made $28,000 a year here locally, and I was like…

Rob Clemons 16:18
Don’t do that math.

Mike Fitzpatrick 16:21
This is not gonna work out. So I actually quit school. I went to college for a year. College just wasn’t for me. I was done taking tests. I was done with the whole school thing. A school is beneficial for certain careers. But I think that transactional training on a job is much more beneficial. So I like I’m not a school guy. And so I came out and I floundered around for a while. I knew that I wanted to be here. My wife and I had been together since high school. And, I knew I wanted to be back because I was two hours away. And I was a teenager in love and all that.

Rob Clemons 16:57
Oh, yes, I remember that. My girlfriend in 10th grade. I love her man. Oh, yeah.

Mike Fitzpatrick 17:03
It and we’ve been together almost 11 years now. But we I knew I wanted to be back. I was traveling back at 10 o’clock at night and drive it back at three o’clock in the morning. So I’d be at school the next day, it was just silly.

Rob Clemons 17:15

Mike Fitzpatrick 17:15
So I came back, floundered around for a little while I was a manager at an ice cream shop and a couple of other things. And then I said, “Alright, dad, well, I’ll come work with you.” So started into the insurance and financial planning business and quickly found out that I didn’t like insurance, that was not my thing. The clips per deal just weren’t enough money. In the financial planning side, I didn’t like playing with other people’s money. If I ever lost somebody money, it would like it just would be too much for me. No, I never got that setting for me. So I started searching around and trying to figure out like what I could add to his business as another leg. And found mortgages and didn’t know what was going to happen with the mortgage business. And, and was in it for two years doing kind of both and being half in half out on both of them. And in March of 2017 rolled around, and I met the guys at US mortgage and I said, “Alright, I’m gonna jump feet first into this. I’m not doing the other stuff anymore.” And I think that that’s, that’s something that people need to understand. There’s so many times where we have people here locally that are that are waiting tables or bartending and they’re also doing this other thing that they’re trying to make a career. And it just creates a comfort level that that if that wasn’t there, they probably would make that career work. And I decided, alright, I’m jumping feet first into the mortgage business. So I showed US Mortgage a W2 for mortgages that said 12 grand on it. There’s about 75 G’s in debt, at that point, trying to get the mortgage business to work. And got with them, and they have a company culture that we’re gonna close loans at all costs. We’re just gonna get it done. So in a six month period, did about 12 million in funded volume. So I went from 12,000 to 12 million in funded volume, which is about $175,000 or so. And it was it was on Yes. Wow. And so we’ve been growing at over 100% every year. And it’s just been it’s been crazy ever since.

Rob Clemons 19:21
I mean, it’s phenomenal. You know, I mean, and, you know, one of the things that I think that people don’t understand is how hard you have to work when you starting a business or when you want to be the best at something. I was having a conversation with somebody the other day and we like to use words around here like relentless and things but people don’t really understand what that means. And I was telling a person about a story about Gary Vander Chuck, you know, a little bit obviously. Oh, yeah. And you know, I was I was reading about this thing where he would talk about when he first was getting started, you know, he would go on Twitter and spend I think he said like 12 to 14 hours a day in addition to his work day, just looking up things related to his business and and making comments and, and you know, you go, that’s relentlessness. And we think of the basketball players like that, you know, the Kobe Bryant’s or Michael Jordan’s, who just spent all their time shooting jump shots. But so why wouldn’t you have to do that to be the best mortgage lender you can be? or things like that, right?

Mike Fitzpatrick 20:15
Yeah, no, that’s it’s 100% accurate. And the other aspect of it too, is, we don’t talk about the mental side of things enough, I think, in the sales world, you guys are sales. But it takes a certain twisted individual to have certain belief in themselves to the point to where like when they’re on bankruptcies, doorstep, or in 70 grand worth of debt, and they’re 21 years old, to push through that and be relentless. And I think that everybody sees like, the great parts of what we do, because we show that, but like, a lot of a lot of the times they don’t see the tough parts of it. And they’re not adequately prepared for that. Like, it’s gonna suck at times. And it’s, it’s not going to be fun from a money perspective at times to be doing sales or just a regular job that you’re trying to advance in. And we just have to continue to push through and fight and my side is faith base. So Jesus keeps me keeps me moving through and keeps me level headed to where I don’t get too far in the dumps are too high on the highs. And that’s what, quarterback wise, that’s what it does for me too. Like, whenever I play quarterback, you throw an interception, you might have the opportunity to win, it goes for a touchdown, you might have an opportunity to win the game four plays later.

Rob Clemons 21:38

Mike Fitzpatrick 21:38
You got to come back and be ready to fire again. And hopefully you complete it this time and win the game.

Rob Clemons 21:45
Yeah, you have to have enough memory not to throw the same bad assumption, but not so much of a memory that it keeps you from throwing another pass. Right. And you know, I kind of look at another analogy. It’s like, you know, when people post pictures on Facebook, or any social media, they don’t post the bad pictures, you always post the good pictures. And that’s what people see. And I think that’s kind of like the product of being really good at what you do. People only see that. They don’t get to see the hard parts

Mike Fitzpatrick 22:10
You make it look easy.

Rob Clemons 22:11
Yeah, exactly. They don’t see where you are up all night. But you know, one o’clock in the morning trying to figure out something and…

Mike Fitzpatrick 22:16

Rob Clemons 22:16
So that’s, it’s a powerful message. I know that when I was talking to college students, you know, if I’m ever doing a public speaking. You know, some college students, they go to school, and from the minute they get in, and I respect this, because it’s such a small group, they know exactly what they want to do. It’s like I’m going to school, I want to be an attorney, or whatever it is. And I always thought that was cool, because I think the most common college student is trying to figure out what they want to do, you know. And I can speak for myself, I know, you know, my junior year of college, I was still going to kind of feel my way through. I knew I wanted to do business, but wasn’t sure what.

Mike Fitzpatrick 22:47

Rob Clemons 22:47
And the best advice I have for any students these days is if you got a late start, if you were one that was late to get to the internship, or you were late to figure out what you want to do, you’re still young, and you have a long time to figure it out. So just take every opportunity, you get the best version of yourself when you get it right.

Mike Fitzpatrick 23:05
Yeah, yeah. Patience is the one buzzword that that just lives in my life. Like, so many times, my generation has zero patience to get through the hard times. And I’ve from from day one, and anything that I’ve done, I’m always playing the long game. So if I, if I lose to this company here, and I learned from it, it’s not lost to me, right? If I lose to this team, it’s not lost to me. So I want to, I want to learn from it and grow from it and keep moving because at some point, other people will falter. And if you’re consistent and you have patience, you will outlast that. It’s the tortoise and the hare, you know, I mean, it’s it’s a real thing that if you if you take slow, methodical movements, and you grow the right way, whether it be in your in your physical life, mental life, or business life, if you make those methodical movements and have patience, you will outlast the people that are flashes in the pan. That all of a sudden you see him on social media, and they’re doing great, well, six 8, 12 months later, 36 months later, they’re filing bankruptcy.

Rob Clemons 24:08

Mike Fitzpatrick 24:09
They didn’t take the adequate steps to be patient and grow the right way.

Rob Clemons 24:13
You know, I look at it like this. And and I agree completely, sometimes you and you have to weather a couple of storms here and there. But it’s how you learn from it. Sometimes, you know, we’ll have a job. And I hate to say it, but once in a while you have a job here where maybe you lose a little money at the end of the day. It’s made might be the first time you tried to do a certain kind of a roofing project, for example. And we’re never going to put that back on our customers. We’re always going to take that on ourselves. And you know, I’m talking to my managers and I say, look, as long as we learn something from that mistake, it doesn’t matter. We’ll get stronger from it, we’ll be better from it. And it’s funny, hell, you know, business owner think is or general manager think is, “hey, I’ll send you to this training program and spend $5,000,” where the best training could have been in that little mistake you made that cost you $1,000 But you all learned such a valuable lesson, right?

Mike Fitzpatrick 24:57
Yeah, if you’re not getting kicked in the teeth, you’re not doing it right.

Rob Clemons 24:59
Right. It’s and you’re not growing right?

Mike Fitzpatrick 25:02
You’re not growing if you’re not getting kicked in the teeth.

Rob Clemons 25:04
Yeah, that’s awesome. Hey, you know one thing I did as I was learning a little bit about you, and by the way, is this your dog here is that what is that?

Mike Fitzpatrick 25:11
Yeah, that’s a border collie. It looks like… she is a nutjob though.

Rob Clemons 25:15
But they’re freaky smart, right? Like, friendly with a couple of Border Collies, and you know, those dogs are that they look at you and that you just know their process and what you’re doing. That’s weird.

Mike Fitzpatrick 25:25
Yeah, it’s weird. Like you. You can definitely communicate with that dog through the eyes.

Rob Clemons 25:29
Yeah, through the eyes. Yeah, they tell you.

Mike Fitzpatrick 25:30
I’m like, Alright, I know what you’re thinking. This is weird. Yeah.

Rob Clemons 25:33
Because at home I have regular dogs and they don’t look at me like that. They’re like “I’m hungry.”

Mike Fitzpatrick 25:38
Well I have a shepherd Rottweiler mix, too. And she’s got like two marks on the top of her. So it looks like she has eyebrows.

Rob Clemons 25:44
Oh, yeah.

Mike Fitzpatrick 25:45
So you can definitely see emotional.

Rob Clemons 25:47
They pull The Rock on you and the eyebrow goes up.

Mike Fitzpatrick 25:49
Yeah, it’s like looking at me like that?

Rob Clemons 25:51
What did I do? What did I do? My dogs are like, they have two or three modes. One of them’s like, “I’m ready to play.” The other ones, “I’m hungry.” Yeah, other ones, “I want to go to bed.” I mean, they’re really easy. My dogs.

Mike Fitzpatrick 26:01
Mine are both nutjobs.

Rob Clemons 26:03
Right That sounds like a whole story. So they’re crazy. We’re joining us on Volume Two when we talk about nut nut job dogs. Yeah. It was awesome. I hear you’re a cars guy.

Mike Fitzpatrick 26:13
Yes. I have a car addiction that my wife doesn’t like whenever I say this, but I’ve replaced my chasing after girls addiction. Yeah, whenever I was in high school with chasing cars.

Rob Clemons 26:25
Which wife hates to hear that. No, she probably

Mike Fitzpatrick 26:27
I mean she deep down probably loves that.

Rob Clemons 26:29
Yeah, let’s say all right.

Mike Fitzpatrick 26:30
I definitely definitely love vehicles, just all different kinds. Just seeing classic cars, classic Mustangs, and like what people are doing with electrifying them now. Like all that kind of stuff is just so, so interesting to me to see what people personalities are what their cars. Like it one thing I tell my salespeople, not that they’ll ever have anybody in their car, but if you get in somebody’s vehicle, and it’s a disaster, it tells a lot about somebody.

Rob Clemons 26:36
Oh my gosh, yeah, absolutely.

Mike Fitzpatrick 27:02
And mine’s a disaster a lot of the times, but

Rob Clemons 27:06
Chaos of genius mind.

Mike Fitzpatrick 27:09
Like it like you have a piece of paper. I throw it behind me in the truck. And it’s just I cleaned it every once in a while but you can definitely tell a lot about somebody but based on their vehicle.

Rob Clemons 27:18
There’s no doubt. What was your favorite car you’ve owned?

Mike Fitzpatrick 27:20
I have I have a Bronco right now. Okay, one of the new Broncos. I love that car. But I sold it. I’ve only owned it like two and a half weeks and I sold it because the the world of the economy is nuts. And I paid 57 for it. And I sold it for 75 grand.

Rob Clemons 27:39
Oh, wow. Well, that’s I mean, that’s just a genius investment.

Mike Fitzpatrick 27:41
I have so emotional attachment when you start throwing numbers out like that, but that’s probably one of the coolest cars I’ve owned. It’s just really really put together well it Ford did a good job with that. But I also have a 65 Mustang right now. That’s, it’s it’s my favorite classic I’ve ever owned.

Rob Clemons 27:58
Wow, that’s really cool. He spent a lot of time on the weekends and stuff are

Mike Fitzpatrick 28:01
playing around with it. I plan on doing a lot to it. I’m gonna yank the motor out of it and put a four cylinder EcoBoost in it that Ford made. And it’s just gonna be a little piece of a car. It’s gonna be fun.

Rob Clemons 28:13
A killer. Yeah, I used to have a Mustang GT myself and I’d spend the weekend you know, with my little toothbrush to clean out every crevice and my wife would come in and be like, W”hat are you doing? “I’m like, you just don’t understand. T

Mike Fitzpatrick 28:24
“Take care of the house that way. What is wrong with you.”

Rob Clemons 28:27
Yeah, exactly. It’s like how you spend two hours on your car, but I can’t get you to pick your clothes up off the floor. Right. Right, right. It’s not as fun though, by any means. So well. No, that’s really cool. Um, as far as yourself, I mean, have you ever thought about going back into the ice cream business?

Mike Fitzpatrick 28:43
No, other that consuming it. I consume way too much ice cream.

Rob Clemons 28:49
You made me think of this. So when I was actually in high school, and by the way, I’m one of those weirdos. I don’t even eat ice cream. So I was like, Oh, I’m gonna get a job at Baskin Robbins. Yeah, yeah. So I get a job at Baskin Robbins I didn’t realize how high pressure was gonna be because God forbid you run out of a flavor, dude, you think roofings tough or just you run out of like yeah like Rocky Road or something there are people will throw down.

Mike Fitzpatrick 29:10
My wife walks in and you’re out of mint chocolate chip. Oh, might as well close the store.

Rob Clemons 29:16
Google reviews are happening like immediately.

Mike Fitzpatrick 29:18
She’s upset. Physically upset.

Rob Clemons 29:21
Physically, pulling the whole thing. Well, yeah, and we’re running towards the tail end of the show here. I would definitely love to have you back.


For sure. A lot of great information. Mike anything else you will want to just tell a customer a buddy that you felt like was something you want them to know about your company or yourself?

Mike Fitzpatrick 29:39
Yeah. On the on the mortgage side we just want to try to show you what we do and what we’re like and our culture and will effectively get your mortgage close. We’re closing in under 30 days on most products right now. And then on the the mindset side, just don’t ever give up. I’m a big mental health person. I have through the years battled with with suicidal thoughts and those kind of things. So if you’re if you’re ever dealing with stuff like that don’t give up, call somebody, call me. And it’s never as bad as it is. So don’t make a temporary problem, permanent solution. And and just keep fighting every day.

Rob Clemons 30:19
And that is awesome, awesome advice. And I really appreciate that. I actually, the hairs arm stand up a little bit when you said that because I do think we all have to realize that we’re all going through bumps in the road from time to time and you’re not the only one going through those bumps and there are people there for you say, your real success story. So I appreciate that. Mike Fitzpatrick, US Mortgage. Thanks for joining us today.

Mike Fitzpatrick 30:39
Appreciate it. Have a great day.

Rob Clemons 30:40
All right, absolutely. This has been Rob Clemons with Crowning Connections.

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