Mortgage Daddies

Kyle Cabral flipped houses and bought 130 rental units before building a Mass Save contractor. He's a co-founder of C2S Energy in New Bedford, MA - a Mass Save partner that handles insulation, heat pumps, and HERS ratings. A former Meditech programmer, he built the company with his business partner Tony after starting in real estate.

We cover how Kyle and Tony shifted from real estate investing into energy efficiency, how Mass Save rebates work for heat pumps and insulation, and what HERS ratings mean under stretch code. We also get into planned expansion into Connecticut and keeping a culture together as the team grew to about 60 employees.

If you own a home or rental property in Massachusetts, this is a clear look at rebates many people don't know exist.

C2S Energy: https://www.c2senergy.com/

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Chapters:

00:00:00 From Meditech Programmer to Energy Contractor

00:04:52 How Mass Save Contractors Get Work

00:07:21 Scaling a Contractor and Keeping Culture

00:14:16 Co-CEO Partnership and Connecticut Expansion Plans

00:18:50 Who Qualifies for Mass Save Rebates?

00:22:35 Insulation and Air Sealing Utility Savings

00:26:34 Mass Save Explained: Funding and HERS

00:29:28 Heat Pump Costs and Solar Slowdown

00:34:09 Why Massachusetts Is Pushing Heat Pumps

00:36:26 Mass Save for Landlords and Investors

Dean Snell is the founder of Snell Golf in New Bedford, MA, and a golf ball R&D veteran with 40-plus U.S. patents. We cover how Snell Golf got through a raw material shortage and a bad 80,000-dozen production run, why Dean questions robot distance tests and compression readings, and how to choose between 2-piece, 3-piece, and 4-piece golf balls. We also get into the return of the MTB Black golf ball and custom logo golf balls as client closing gifts.

Whether you buy golf balls by the dozen or by the container, Dean explains what is actually worth paying for.

Dean Snell - Snell Golf: https://www.snellgolf.com/

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Follow us:

Milestone Mortgage Solutions:

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Mortgage Daddies on Facebook: https://www.facebook.com/mortgagedaddies/

Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00:00 Building Snell Golf

00:05:33 Keeping Employees During a Business Crisis

00:08:41 Are Online Golf Ball Teardowns Trustworthy?

00:12:54 Compression, Size, and Robot Distance Tests

00:22:43 Choosing the Right Golf Ball

00:30:33 MTB Black Returns and What's Next

00:37:28 Custom Golf Balls for Client Gifts

00:40:35 Is There a Best Golf Ball?

He spent nearly 18 years bartending - and says it's the exact same job as being a loan officer.

Eric Lombard joined Milestone Mortgage Solutions in late 2020 as a loan officer - with no mortgage background and one of eight kids' worth of patience. We cover how his bartending background shaped his approach to client relationships, why he deliberately keeps his production balanced against his lifestyle instead of chasing volume, how Milestone's culture felt like family from day one, and the New Bedford Country Club Fourball golf tournament that Craig and Eric both compete in each summer.

If you want a reminder that success in this business doesn't have to mean burning yourself out, here you go.

Eric Lombard - Milestone Mortgage Solutions: https://milestonemortgagesolutions.com/eric-lombard/

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Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00:00 From bartender to loan officer with no experience

00:05:17 Why bartending and mortgages are the same job

00:10:54 Growing inside a company from 8 people

00:15:03 Choosing work-life balance over volume

00:18:06 New Bedford Fourball golf tournament

00:23:32 The Fourball team auction works

00:31:43 Eric's mom cried watching him win

00:38:52 Fourball qualifying and match play strategy

Rosemary “Rosie” Arruda spent 13 years at Verizon, got laid off during COVID, and now she’s a President's Club mortgage producer 2 years in a row.

Rosie Arruda is a loan officer at Milestone and a first-generation American who built her business on word-of-mouth inside the Portuguese, Cape Verdean, and Brazilian communities. We cover how she turned cultural connection into a referral pipeline, why she gives every unqualified buyer a written game plan instead of turning them away, what it means to treat every client like a family member, and how Vernon pushed her to move her savings out of her checking account - and why that unlocked her production growth.

Rosemary Arruda - Milestone Mortgage Solutions: https://milestonemortgagesolutions.com/rosemary-arruda/

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Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00:00 Welcome to Mortgage Daddies, Rosie Arruda

00:03:02 Building a business in the Portuguese community

00:07:18 When the mortgage business finally clicked for Rosie

00:14:25 What drives Rosie Arruda

00:19:20 How educating clients removes fear and builds loyalty

00:22:21 Rosie's favorite part about Milestone

00:27:08 Growing up as a first-generation American in New Bedford

00:30:02 How well do Craig and Vern know Portuguese?

Keith Gasque spent 10 years as a realtor before switching to mortgages - and outproduced veterans who had a decade's head start. He moved to Massachusetts in 2020 and built $52 million in production in under 4 years, with no local network and no one teaching him anything.

Keith Gasque is a loan originator at Milestone Mortgage Solutions who spent 10 years as a realtor in South Carolina before pivoting to mortgage origination in Massachusetts in 2020. We cover how Keith built a $52 million book of business in under four years with no local network, why he moved to Milestone after bouncing between companies that weren't a fit, what it actually takes to scale from $50M to $100M in production, and how building a small team changed his capacity without costing him control.

If you want to figure out what separates a good producer from a great one, this conversation is for you.

Keith Gasque - Milestone Mortgage Solutions: https://milestonemortgagesolutions.com/keith-gasque/

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Chapters:

00:00:00 Keith Gasque - from realtor to loan officer

00:05:00 Building a team when your business starts taking off

00:11:15 Setting a $75M production goal and how to get there

00:15:34 Craig Snell vs Vernon Miles and how Craig crushes

00:20:23 Why purchase-only producers thrive when rates drop

00:26:23 Closing deals across Massachusetts and New Hampshire

00:30:49 Enough about work, Keith Gasque's real life

00:33:13 Why Keith still has Craig's name on the mirror

Chris Mongeon runs a real estate brokerage, two Dunkin' franchises, and is launching a charter fishing business - and somehow, he still has time to join us on our show!

Chris Mongeon is a 32-year-old entrepreneur from Somerset, MA - a 4th-generation Dunkin' franchisee, broker/owner at Peak Real Estate Company, and a soon-to-be charter fishing operator. We cover how Chris built Peak Real Estate as an independent brokerage instead of joining a franchise, why he caps his team size on purpose, and the tradeoffs between franchise and independent business ownership. If you're building a business on reputation and relationships, this one is worth your time.

Peak Real Estate Company: https://www.peakrealestatecompany.com/

Chris Mongeon on Instagram: https://www.instagram.com/christopher_mongeon/

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Follow us:

Mortgage Daddies on Facebook: https://www.facebook.com/mortgagedaddies/

Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00:00 How to build a real estate business on relationships

00:06:17 Why Chris started his own brokerage instead of franchising

00:09:22 Growing up in a 4th-generation Dunkin' family

00:16:07 Traveling the world before kids while running businesses

00:20:47 Why going ghost on clients costs you everything

Deanna Auger started in mortgages before fax machines existed - and she's still outproducing loan officers half her age.

Deanna Auger is a loan originator at Milestone Mortgage Solutions with 42 years in the mortgage industry, spanning banking, operations, underwriting, and origination. We cover why she never sends online application links and takes every loan app by hand, how she built a dominant referral pipeline with a single real estate office using zero paid marketing, the real difference between lender and broker origination after spending a decade at Prime Lending, and how staying competitive on the leaderboard at 60-plus still drives her every day.

If you think volume and relationship-based origination can't coexist, Deanna proves otherwise.

Deanna Auger:

https://milestonemortgagesolutions.com/deanna-auger/

https://www.instagram.com/deannaauger/

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Follow us:

Mortgage Daddies on Facebook: https://www.facebook.com/mortgagedaddies/

Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00:00 Starting a mortgage career from scratch

00:04:17 Why loan officers should never send application links

00:09:31 What mortgage origination looked like before computers

00:11:16 Switching from lender to broker after 40 years

00:18:28 How to build a real estate agent referral pipeline

00:22:42 Helping buyers get mortgage-ready before they qualify

00:25:09 Life outside work - grandkids, reggae and staying driven

Chris Mongeon runs a real estate brokerage, two Dunkin' franchises, and is launching a charter fishing business - and somehow, he still has time to join us on our show!

Chris Mongeon is a 32-year-old entrepreneur from Somerset, MA - a 4th-generation Dunkin' franchisee, broker/owner at Peak Real Estate Company, and sa oon-to-be charter fishing operator. We cover how Chris built Peak Real Estate as an independent brokerage instead of joining a franchise, why he caps his team size on purpose, and the tradeoffs between franchise and independent business ownership. If you're building a business on reputation and relationships, this one is worth your time.

Peak Real Estate Company: https://www.peakrealestatecompany.com/

Chris Mongeon on Instagram: https://www.instagram.com/christopher_mongeon/

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Follow us:

Mortgage Daddies on Facebook: https://www.facebook.com/mortgagedaddies/

Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00:00 How Chris runs real estate and Dunkin' at 32

00:06:17 Starting Peak Real Estate instead of joining a franchise

00:09:22 Growing up in a 4th-generation Dunkin' family

00:14:13 How Chris met his wife at a Bangkok rooftop bar

00:21:25 Traveling the world and the work-to-live mindset

00:25:45 Why communication makes or breaks client relationships

A clothing store that accepted tire returns is now a 127-year restaurant empire.

Will Silverstein is the 5th-generation owner of Servedwell Hospitality, the New Bedford-based group behind Black Whale, Candela, Sail Loft, Not Your Average Joe's, and National Club. We cover the Silverstein family's philosophy of hospitality over service, how Not Your Average Joe's scaled to 28 locations across six states before his father sold the franchise side, and Will's decision to leave New York City fine dining and return home during COVID. We also get into employee retention, doubling down on bad guest experiences to build loyalty, DoorDash's 30% commission reality, and where Servedwell is eyeing expansion next.

If you run a business that lives and dies on client experience, this one is for you.

Servedwell Hospitality: https://www.servedwellhospitality.com/

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Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

00:00 - How a 127-year family business stays relevant today

09:12 - Why chain restaurants are dying and what replaced them

17:44 - How to build a restaurant concept around a space

26:50 - Why Servedwell is slowing down before expanding

32:09 - What DoorDash actually costs restaurant owners

We're turning the mics over to the next generation. This week, we’re joined by our boys Liam Miles, Austin Snell, and Owen Snell for one of the most chaotic and entertaining episodes we've ever recorded! The kids answer the tough questions: What do your dads actually do all day? What makes them mad? What animal are they most like? Then we get into Liam's sports card hustle and even rip a few packs. Whether you're a mortgage professional, a card collector, or just interested in hearing Owen talk about Super Mario - this one's for you.

Follow @liamssportscards on Instagram: https://www.instagram.com/liamssportscards/

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Mortgage Daddies on Facebook: https://www.facebook.com/mortgagedaddies/

Mortgage Daddies on Instagram: https://www.instagram.com/mortgagedaddies/

Mortgage Daddies on Tiktok: https://www.tiktok.com/@mortgagedaddies?lang=en

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Chapters:

0:00 – Welcome to Mortgage Daddies

01:45 – Mario Talk with Owen Snell

05:44 – What’s It Like to be the Son of a Mortgage Daddy?

14:36 – Favorite Person at Milestone (Besides Dad)

17:14 – Rapid Fire Questions with the Kids

30:21 – Liam's Sports Cards

35:07 – Live Card Break

51:55 – Sign Off