Spilling The Title Tea

Title experts share their knowledge

Spilling The Title Tea is a business podcast hosted by Ashley Ramsey, with 88 episodes on record and a Required Pod Score of 80.

Ashley Ramsey hosts Spilling The Title Tea, a business show with 88 episodes published.

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  Spilling The Title Tea

  The Current State of Mortgage Rates, Potential Recession, and Cryptocurrency in Real Estate with Kreg King and Nick Steinhauer

  —27 min

  In this episode of Spilling the Title Tea, Ashley Ramsey reconnects with Kreg King and Nick Steinhauer, co-branch managers of Thrive Mortgage Columbus, nearly a year after their previous appearance. They discuss personal updates, their successful Red Bull event that attracted nearly 400 attendees, current mortgage rate trends, economic predictions regarding inflation and unemployment, and their forward-thinking approach to cryptocurrency in mortgage transactions. Learn why mortgage rates in the mid-6% range are becoming the "new norm" and what might be on the horizon for the economy in 2025. Episode Highlights 00:33 - Personal life updates from Craig and Nick 05:27 - Their annual Red Bull event that more than doubled in attendance 06:27 - Review of their previous rate predictions and how accurate they were 08:08 - Discussion of potential Federal Reserve rate cuts in 2025 08:39 - Explaining stagflation and its current impact 12:10 - How consumers are adapting to higher mortgage rates 14:33 - The importance of rate stability in the market 15:09 - Are we already in a recession or heading into one? 18:19 - Why some recessions can be beneficial for the economy 19:57 - Using cryptocurrency for home purchases 22:53 - The importance of adapting to new technologies in the mortgage industry Links Meet The Team at Thrive Mortgage Columbus Ohio - Thrive Mortgage - Columbus, Ohio - Kreg King and Nick Steinhauer Facebook Facebook Instagram Instagram

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  Spilling The Title Tea

  Faith, Real Estate & Property Management: Building Forge Property Group with Derrick Simpson

  —30 min

  In this episode of Spilling the Title Tea , Ashley sits down with Derrick Simpson, founder of Forge Property Group, to talk about entrepreneurship, real estate investing, property management, and building a business rooted in faith and stewardship. Derrick shares how his background in federal service and private security unexpectedly led him into real estate, where he recognized a major problem investors and homeowners were facing: juggling multiple vendors, contractors, agents, and managers with no streamlined system in place. That realization became the foundation for Forge Property Group — a one-stop-shop real estate company designed to simplify the process for property owners, investors, landlords, and sellers. The conversation dives into property management systems, scaling a business without sacrificing quality, the role investors play in creating affordable housing inventory, and how biblical principles shaped the vision behind the company. Derrick also shares a powerful story about how treating tenants with compassion during COVID led to unexpected blessings. This episode is packed with practical real estate insight, entrepreneurship advice, and reminders about leading with integrity, diligence, and service. Highlights Derrick shares how his background in federal service and private security unexpectedly led him into real estate investing. The inspiration behind Forge Property Group came from solving a major problem for landlords and investors: too many vendors and not enough coordination. How Forge Property Group became a “one-stop shop” offering acquisitions, sales, renovations, market prep, and property management services under one roof. Derrick explains the biblical meaning behind the name “Forge” and how hardship, refinement, and character-building inspired the company’s foundation. Why scaling a property management company without losing quality control is one of the biggest challenges in the industry. How Forge uses systems, inspections, software portals, and tenant communication to keep investors informed and properties protected. Derrick discusses why some rental properties are declined for management if owners are unwilling to properly maintain them. The surprising reality about real estate investors and how many are actually helping create affordable housing inventory for first-time homebuyers. Ashley and Derrick discuss stewardship, diligence, and why serving people well means refusing to take shortcuts in business. Derrick shares a powerful story about how showing compassion to tenants during COVID resulted in every tenant paying rent on time throughout the pandemic. Links Forge Property Group | Facebook Forge Property Group: Your Full-Service Real Estate Partner Sringdale Title Links: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

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  Spilling The Title Tea

  Having Faith and Finding Beauty In Adversity with Brad Daugherty

  —24 min

  I’m excited to share a conversation with an entrepreneur and family man who has an inspiring story to tell. Brad Daugherty is the founder of Hoola Managed IT, a company that provides comprehensive IT services to businesses. We discuss Brad's journey in building his business from the ground up, as well as modern IT challenges like wire fraud and cybersecurity threats. Brad shares tips and things to watch for when receiving emails to ensure their legitimacy. He also describes how he faced the unimaginable: his son's diagnosis with brain cancer and the emotional journey that followed. Despite the profound loss, Brad explains how he found solace through journaling, his unwavering faith, and the strength that comes from acknowledging the beauty in life's moments, even amidst hardship. His story is a testament to the resilience of the human spirit and the importance of appreciating each moment we have. Episode Highlights: [00:52] Hoola Managed IT has been in business for about eight years. They offer IT services to businesses where they actually become the IT department. They help with networking and equipment or whatever comes up. [01:27] They have facilities in Indianapolis and two locations in Muncie. [02:16] Wire fraud is a definite problem in the title industry. [02:51] Brad shares fraud red flags. [03:26] Look for spelling on the email and hover over it to see where it's actually coming from. He also talks about using DMARC to avoid spoofing. [04:14] If you think something isn't right, it probably isn't. [05:10] Fake emails are going to become more difficult to spot with AI. [05:28] When sending money, it's better to be safe than sorry. [05:45] Brad is the founder of Hoola Managed IT. He and his best friend started the business, and they had a falling out. [06:36] It took a couple years, but he was able to rebuild a customer base. [06:52] While building his business, Brad received the news that his son had brain cancer. [07:25] There was a big turning point around the three to four year mark. [08:50] He has four children. Christian passed away when he was eight years old. [10:18] Brad talks about the beauty found in adversity and the struggles happening at the hospital. [11:01] Keeping a journal, writing everyday and writing "God is good every time," helped him through the struggle of his son's illness. [13:48] His son was a twin. They are grateful for the two amazing years they had with him. [14:02] His other children saw God working in their lives in a way that only He could. [15:06] The children had wisdom beyond their years. [15:48] Brad decided that even if his son goes home, he is going to remain faithful to God. [17:09] The worst thing that could happen to his son is to go home to heaven. This is what enabled Brad to have faith and see the beauty in all things. [18:57] Brad shares a story about people watching his post everyday. Brad remained joyful. He received a letter from an artist that was just enough to help them out. They felt so much love poured out to their family. [21:21] One of the most important things Brad learned is that the way you know your life right now can change in a matter of seconds. [21:46] Every second and every moment that we have in this life is precious. Resources & Links Related to this Episode Home - Springdale Title, LLC I Home - Managed IT & Support In Muncie IN | Serving Indianapolis IN (hoolatech.com) Facebook DMARC

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  Spilling The Title Tea

  Focusing on What's Important While Living Life to the Fullest: A Conversation with Donna Himes

  —25 min

  Donna Himes is a licensed title agent at Springdale Title in Richmond. Married for nearly 24 years, she also cherishes her role as a stepmother to two wonderful daughters, and she loves being a grandmother. Donna and her husband enjoy staying active through hiking and kayaking, and she nurtures her passion for gardening. An avid reader, Donna boasts a Kindle library of over 10,000 books, with a particular fondness for paranormal romance and mail-order bride stories. Having grown up without grandparents, she places great value on spending as much time as possible with her granddaughter. Our conversation with Donna also unveils her journey through illness and grief, along with the resilience required to care for her loved ones while recovering from surgery. The hardships faced during her father's illness have taught her what truly matters in life, a principle that guides her every day. Episode Highlights: [00:49] Donna shares a little about herself and her 10,000 books. [02:09] We learn how Donna went from retail to banking to being a part of our team. [04:01] She's detail oriented and loves being on the front end. It's her goal to make sure everything runs smoothly through the entire process. [05:04] In 2013, Donna's father was diagnosed with prostate cancer. After multiple rounds of radiation, he went into remission. Unfortunately in 2018, his cancer returned in the form of colon cancer. [05:59] Donna also had disc surgery on her neck in 2018. In 2019, she had a hysterectomy. [06:15] She was working at home as she recovered. She was also able to work a flexible schedule during 2020 which enabled her to take her dad to all of his appointments. [06:38] Another tragedy struck when her mom fell and broke her pelvis in three places. Donna ended up caring for her mother. [06:53] Donna's Dad passed away in 2020, and her life hasn't been the same since. [07:45] Losing her dad hit really hard. [09:27] During this crisis with her family, Donna was doing everything while also trying to recover from the surgery. [11:08] She put in a flower bed for her mom. Her and her husband mowed about 20 acres of their own property, and they cared for a rental property. [12:53] Donna is excited and scared about partial retirement. [15:18] Her grandchild is her little best friend. They're together every other weekend, and they spend breaks together. [17:20] Advice for those in transition. Think about what you want and your situation. Having extra family time is meaningful for Donna. She wants to spend more time with her mom. [20:24] Know what you want and look at the details. [20:52] Advice to her younger self, would be to live life to the fullest but do it in a way that God would be proud of. [22:23] Have balance. Work hard but not to the exclusion of everything else in life. Resources & Links Related to this Episode Home - Springdale Title, LLC KY - Richmond - Springdale Title, LLC

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  Spilling The Title Tea

  Partnership Dynamics and Industry Trends with Nick Steinhauer and Kreg King

  —24 min

  Nick Steinhauer and Kreg King are Co Branch Managers at the Columbus, Ohio Branch of Thrive Mortgage. I've known both of these gentlemen for a few years, and I'm excited to introduce them to you. Kreg has been in the industry for 15 years. He began as a processor and is now a loan officer with Nick. He's married and has four kids. Between work family and his children he feels like his life is chaotic. Nick joined the industry about eight years ago. Prior to this he worked in retail. Nick credits everything he knows to his partnership with Kreg. He loves helping people finance something that will create memories and traditions with their family. He’s also married and has three daughters. They also home school. We get to learn about the unique advantage of being partners in the loan business and how they can serve clients almost every hour of the day. They also keep their clients and partners updated on the latest industry trends. We discuss these trends including interest rates, inflation, and unemployment rates. Episode Highlights: [04:20] They have an incredible amount of volume and have a lot to juggle with kids and family. [05:02] They can do their job from anywhere in the world. [06:04] Nick shares some of the advantages of having a partner as opposed to going it alone in the loan industry. [06:58] Between the two of them, there is someone almost on duty every hour of the day. This is a real advantage to their partners. [07:33] Part of their brand includes market updates and making information easily accessible for their partners and clients. [08:30] Market update: There has been positive economic news, but that doesn't help the interest rates. Rates are going higher, and they are in the low to mid 7% range. [10:05] The new jobs data for today was a little soft. Some additional rate cuts may come back into play. [13:31] We discuss whether Jerome Powell will change expectations and lower the inflation target. [14:39] Even though inflation has come down, prices aren't dropping. [15:36] Will there be a rate cut before November? This is an election year. [18:28] The worst combination would be increasing inflation and a weakening job market or stagflation. [19:08] Advice for prospective home buyers. If you're comfortable where your mortgage payment is, go ahead and pull the trigger. [22:20] We probably won't see low fives anytime soon. Resources & Links Related to this Episode Home - Springdale Title, LLC Thrive Mortgage - Columbus, Ohio - Kreg King and Nick Steinhauer (thrive-ohio.com) Thrive Mortgage - Columbus Team Facebook NICK & KREG | MORTGAGE PROFESSIONALS (@thrivemortgage_columbus) • Instagram photos and videos Nick Steinhauer | LinkedIn Kreg King | LinkedIn

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