Matt Helfrich

We had the good fortune of connecting with Matt Helfrich and we’ve shared our conversation below.

Hi Matt, we’d love to hear more about how you thought about starting your own business?

There were many, but taking control over my options and pricing was the biggest one. Working for a traditional bank or lender leaves those originators tied to potentially poor business decisions. Too big of a staff, CFO not on point, mismanagement of expenses, huge lease payments = all equal worse pricing and rates to the borrower. Now I am providing a significantly better lending experience, with better rates and lower overall approval times. We are not selling loans. We are advisors, which help to pick the best option.

One piece of conventional wisdom I disagree with is doing loans with a big box company is absolutely not a convenience to pay for. Just because you bank at one of the big banks and you can take a mortgage from them does not mean it’s worth the extra 0.25%+ to the rate. You can set up auto pay with any mortgage servicer. Paying thousands of dollars over the course of the loan is never worth any reason they are selling you.

What should our readers know about your business?

To me the most important part is us being a people first company. Interactions with people, learning what matters, what the life circumstances are, is crucial. You cannot learn how to take care of people solely through your laptop or phone. Having spent years out in the field helping people teaches you how to better help people. It teaches you to communicate with grace that all walks of life can appreciate. This has a profound effect on the business in general as we are predominantly referral based, where clients, partners, recommend us to each other, and come back for new deals.

I am inspired by helping people create wealth. One of my best friends had thanked me about a dozen times for how impactful and influential I have been in him getting his financials in order. He went from a 500’s credit score to 800. He went from living paycheck to paycheck to having amassed a sizeable nest egg. And the actions and patterns he does now have resulted in a lifestyle that is far better. In America the fastest path with the most consistency is real estate. The landscape of price points does not afford people to pay cash so they are forced to get a mortgage. Leveraging debt, specifically mortgage debt, is the path to growing your net worth. Once you have started to acquire net worth, you likely begin to shift gears on strategy. Many people start to buy investment properties as a path to recurring income that will last the rest of their life. So yeah, I am inspired by helping to create wealth and improve lives!