Emmanuel Tyner

Mortgage Broker

Emmanuel Tyner is an established mortgage broker who has been in the industry for more than 10 years now. He currently works with 20 lenders who are all very flexible in financing aspiring homeowners. Aside from that, he is looking at expanding his business across different states including Maryland, Pennsylvania, and New Jersey by 2022.
He graduated Magna Cum Laude with an Associate’s Degree in Business Administration from the Goldey-Beacom College, followed by an MBA from Georgetown University.
With such educational background complementing his years of experience, he is able to position himself as an expert in the mortgage process and in explaining how real estate assets can help achieve one’s goal to build wealth.
In addition, it also enabled him to expand his network and serve investors who are looking for real estate assets to invest in.
With a “client first” approach, Emmanuel focuses on serving his clients and getting them the best deals possible. But despite prioritizing his clients’ needs, he makes sure to find the best match for realtors that he works with as well.
Furthermore, he is confident that these people are able to deliver the best service for his clients because they share the same mindset – one that is focused on giving clients an unforgettable and first-class homebuying experience.
Emmanuel values his clients’ satisfaction above all and he believes that with integrity, honesty, and accountability, he will be able to achieve what he set out to do.
So far, Emmanuel has been doing great but he is looking forward to expanding his business in order to meet the demands of new clients. He hopes that with more experience and expertise under his belt, he can provide even better service for his clientele.
Prior to his present work, he volunteered to help realize the REACH Riverside Project, an initiative to reconstruct the Riverside neighborhood of Wilmington, Delaware.
Emmanuel joined the initiative because its mission to give the community members better homes aligns with his values. He enjoyed working with the team and facilitating the locals’ involvement by collecting ideas and suggestions from them for the project.
On the other hand, he also worked as an underwriter. For several years, he worked with loans for small businesses, cars, credit cards, and home equity. This experience gave him an edge in understanding how the process works and enabled him to help his clients now. Because of this, now, he is able to guide his clients into rebuilding their credit to position themselves for home buying.

Where did the idea for your career come from?

Way back in 2009, when I was still working at a bank as a consumer lender, one of our notable customers who was a mortgage broker wanted me to work for his firm and told me that I could be successful in this industry.
You know, I’ve always had this servant mindset that directs me to put the needs of others first. Because of this, I decided to give it a try. Though I didn’t take the job offer, he was the one who introduced me to the industry and gave me the push that I needed.

What does your typical day look like and how do you make it productive?

My days are pretty hectic but being organized and having systems in place helps me manage. It’s a balancing act between moving existing clients down the line towards closing and having conversations with potential clients about their goals and options. I make it a point to dedicate 4 hours a day to have those meaningful conversations and that is probably the time that I am most productive.

How do you bring ideas to life?

I usually try to come up with a plan first before actually bringing it to life. I think this is important because you have to know how the steps are going to be implemented and executed. There are things that may work out well in theory but not in practice. It will just waste your time and energy if you don’t do things properly.
To add, having a good working knowledge of the industry is important because there are some things that you can find online while some cannot be found anywhere. You have to know all the ins and outs in order for your business to run smoothly.

What’s one trend that excites you?

I am excited about the shifting trend towards a service-based economy. The desire to have a great customer experience is going to be a driving force in business progress and I think that’s a good thing.
What I’m also excited about is the democratization of information. There is this wide spread notion that access to information leads people astray, but it’s important to know that giving people information doesn’t lead them astray. It allows them to make better decisions and take control of their lives. The more knowledge they have, the better equipped they are in taking charge of their lives.
I think this trend is great because it will enable everyone regardless of age or financial status to live a good life.
In the end, I believe that it takes a village to raise a child. This trend towards knowledge and greater access to information will allow everyone to play their role in making society better for future generations.

What is one habit of yours that makes you more productive as an entrepreneur?

I’m quite a reflective person and I think that helps me a lot as an entrepreneur.
I reflect on my mistakes, what went well, things to improve next time and it’s always a learning experience for me. And since your business is a reflection of you, it makes sense to always look at yourself from different angles so that you can make reasonable and conscientious decisions.
What I also like to do is reflect on how my past experiences can be applied to my current situation which helps me in identifying opportunities for growth and improvement.

What advice would you give your younger self?

I would tell myself to develop an entrepreneurial mindset at a younger age.
There are so many things you can do even when you’re young. You don’t have to wait for retirement age to pursue your passions and dreams.
When I was growing up, I didn’t have much exposure to entrepreneurship that made me think of it as a possible career path. I wish I was exposed at an earlier age so that I could have pursued my dreams early on.

Tell us something that’s true that almost nobody agrees with you on.

Well, I think that a liberal arts education is a good foundation for entrepreneurship.
I believe that learning about the humanities and social sciences gives you more context to your study so you can see things from different angles and perspectives. This allows you to make better decisions instead of just looking at it from an isolated perspective especially when it comes to your passion.
What’s also important is that you can learn something about something that you are passionate about through studying the humanities and the social sciences because the study of philosophy, for example, provides different lenses on how one can look at their own work/business/life. I think it’s quite beneficial because it helps broaden your perspective.

As an entrepreneur, what is the one thing you do over and over and recommend everyone else do?

I like to read, and I think it helps me a lot as an entrepreneur.
What you read affects how you look at the world so if ever your knowledge of the world is tainted or unbalanced, then your decisions will be affected by that. So, if possible, learn about everything and anything because it’s important to have a balanced perspective as it makes you more holistic as a person.

What is one strategy that has helped you grow your business?

I believe that if there’s one thing I do that helps me grow this business, it’s my “client first” approach.
It’s all about delivering value and giving good service so to me, it doesn’t really matter how big or small you are as an organization because what matters most is the quality of the services you deliver.
Having such a mindset allows me to always think about the client first because I know that if you give good service, they will keep coming back.

What is one failure you had as an entrepreneur, and how did you overcome it?

I faced several failures early on with starting this business but if there’s anything valuable, I learned from those experiences was patience, resilience, and the ability to learn from your mistakes.
Learning this business can be tough and anyone who wants to make a career out of it will most certainly fail. But luckily, I also had great leaders who encouraged me to keep pushing forward and gave me support when I had a learning curve to overcome.

What is one business idea that you’re willing to give away to our readers?

I think that everyone should start a side hustle.
In some other countries, there’s a lot of job security and risk aversion so most people stay loyal to their 9-5 jobs.
Yet I see a lot of people who are unhappy with what they do every day. They lose focus on their passions or purpose in life, and they go only to work because they need to provide for their family.
I think it’s important that people do what makes them happy and if you don’t like your job, start pursuing your passion by working on something else on the side. You will learn a lot from doing so and who knows, it may even become bigger than your day job.

What is the best $100 you recently spent? What and why?

I bought a decal from a small shop to put on the door of my bedroom. It has a quote that says, “You have been blessed with the ability to do great things, so you better do them” and I think it’s very appropriate for how I work in this business.
It always keeps me focused on what I need to accomplish, and it reminds me that there’s light at the end of the tunnel. In addition, the quote pushes me to keep working hard because I know that success is just around the corner if I just put myself out there.

What is one piece of software or a web service that helps you be productive?

I use several web-based apps such as Excel and Quickbooks but the one I always use is Google Drive.
It’s really helpful to me because it allows me to conveniently share files with my staff and clients in a cost-effective way.

What is the one book that you recommend our community should read and why?

I’m a big fan of the “Think and Grow Rich” by Napoleon Hill. It’s one of the first books I read when I wanted to learn more about business and, in my opinion, it really opened up my mind to what is possible if you put in enough work.
It provides a clear framework on how you can achieve success and that blueprint is still applicable now.

What is your favorite quote?

“Life begins at the end of your comfort zone.” – Neale Donald Walsch
What I like about this quote is that it really shows how much we limit ourselves by staying within our comfort zone.
No one ever makes great things happen by staying there so let’s keep pushing ourselves forward so we can accomplish more in life.

Key Learnings:

  • Think about the client first, always!
  • Don’t be afraid to take risks and do what you love because you never know how it may turn out.
  • Having a clear plan and setting goals are important in achieving success.
  • Take pride in your work and always try your best to give the best service.
  • Finally, read more books!