She's the mortgage mom. Welcome to Mortgage Mom Radio. I'm Debbie Marcu. I'm the mortgage mom. And today we are doing bios on my team. We have got Carrie. Who, what am I calling you today? Well, I'm still legally Marguilies, but I'm in the process of transferring it to young. We have to let everybody know that. So when they see a name change. Yes. So we've got Carrie Marguilies soon to be young, just recently married. So congratulations, Carrie. So we're doing it this way because this is your time to steal the show. And I want to make sure we're getting a highlight on all of the people on my team. And your number one, because you're my number one. So we're going to talk today all about you. Are you ready? Yes. Yeah. All right. So I'm going to ask you questions because I haven't really gotten to dig deep. I mean, you came in. You started with me and we went into the pandemic. And that was it. Crazy busy. Yes. And that was it. And you were gone and you were working. And you've been fabulous. But so number one, I want to know what was your first year in the business in mortgage? My first year was 2000, right after, about a year after high school. I needed a job. And my family is all in mortgage and real estate and a friend of my mom's owned a brokerage. And I became his personal assistant. So I was supposed to just be picking up his dry cleaning and organizing files and things like that. And then one day I came into the office and his loan assistant was gone. Computer gone, everything gone. He was on vacation. And it was kind of one of those situations where sink or swim. So he was gone like left the business. He left the company. We walked into an empty desk, computer gone. But you were still an employee of that company. Yeah. And so that guy didn't say like, hey, Kerry, we're leaving. You're coming with me. I got you a job. We're out on this day. Owner was on vacation. And his loan assistant just up and left just ghosted him. So he needed help with his files. He had a pipeline of 40 loans. And it was basically, here you go. There you go. Sink or swim. Help me close these loans because I've got nobody. And you were supposed to be an Aaron runner. And now you are an assistant, a loan assistant. Yes. Nice. Yeah. Well, that'll drop you in. Yeah. So your family, you said, was in mortgage and real estate as well? Yeah. My stepped out owner mortgage company for a few years. My mom did new home sales. She did titles. She did escrow. And she did mortgage for a little bit. So did you feel like coming right out of diapers? You already knew what loaned a value meant and what the property values were around your neighborhood? I knew a little bit, but I had no clue on the acronyms. And I would ask my mom, what does Lybor mean? And she would explain it. And I still had no idea. My kids used to ask me what I did for a living. And I said, I sell money. Yeah. The only way to explain it. The easiest way. Yeah. It takes a while because of the lingo. But once you get immersed into it, we pick it up. And now it's second nature. It's been 20 years. So right. Right. And you use words that you shouldn't. And you're like, oh, I need to explain that a little bit better. That's awesome. So you're 2,000. You're working for this guy. You get thrown right in. You're a loan assistant. You're helping them close loans. There's a pipeline of 40. So then what? Did you guys stay there? You stayed with him. I would you on to be his personal from there forward? Yeah. I stayed on as a loan assistant for probably 2 and 1-1-1 half years until I went with some other people from the company to a company they started. And then I became their loan assistant. And then I moved up to processing. I did processing for lots of years. I moved to another company where we did correspondence lending. I did a little bit of funding. I did some other things. And then I finally got smart and went to the retail loan officer side. Right. You came to sales. Yes. You came to the dark side. It has its pros and cons. Yes, it does. But I'll tell you what, with you having had that much experience in the business from start to finish, where you started and everything you went through in between with you. You definitely, that is why you are good with your clients. And that's why they love working with you. I haven't had a single bad review from anybody who has worked with you since you've been on my team. And so I think that it's just really important, like I said at the beginning, to showcase who you are, who's on my team. Why did I hire them? Where did they come from? What is their knowledge and their experience? You're pretty amazing. Thank you. Not only that, but you've got little ones. So tell us about your babies. I do. I have two two-year-olds right now. So I was pregnant with Luke. I was about seven months pregnant with Luke. And my husband and I ended up adopting, well, fostering Jacob. He was 28 days old when we got him. He's now two and a half. And we're actually signing the adoption paperwork, I believe, in a next week, two weeks, and two weeks we're signing it. So that's really exciting. I love it. Well, Carrie, thank you so much for doing this with me today. You're absolutely... You're having me. Of course. I love working here. Well, I love you. I love that you love working here. And you're absolutely amazing. And for everybody that is listening, you guys check her out. Look at how beautiful she is. Mom of two. She is taking care of little ones. She is working her tail off. The pictures that I get throughout the day of her sitting there with the computer with kids on both sides of her lab is pretty amazing. And she's just amazing. So if you guys are looking for somebody great, Carrie's your girl, give her a call. She could be... You could find her under Carrie Marguili's or Carrie Young. So soon. Soon. So make sure you guys are checking it out. But Carrie, thank you so much for doing this. Thank you, Debbie. All right. Have a good one. Thanks. Pick up the phone and call mom.