Rashelle Shepard – Finding Mortgage Solutions When No One Else Can
By Robyn R. Smith, © 2019
Rashelle Shepard has an unquenchable spirit. Friend, mom, Navy veteran, and unstoppable mortgage originator with Inlanta Mortgage, INC., Rashelle’s fortitude in life is inspirational.
Rashelle loves her job, and it shows. Her gifts of perseverance and creative thinking are perfectly combined with her passion to help people succeed. Inlanta Mortgage, INC., provides a family friendly atmosphere to accomplish that goal. Every day is a challenge in the mortgage industry, and Rashelle thrives on challenges.
A native of Montgomery County, IN, Rashelle grew up in an entrepreneurial family. Her parents, Larry and Wanda Kirkendall, owned a pet store in Crawfordsville for fifteen years. Now “retired”, her dad enjoys working in Lowes’s Gardening Department while her mom works in inventory control at R.R. Donnelley. Rashelle’s brother, Seth, works in Animal Control for the Sheriff’s Department.
While her parents’ business strongly influenced her, Rashelle took a different route as a Navy journalist. Journalism prepared her for the future in unexpected ways.
“As a journalist, you interview people at all different levels. Everyone has a story. You learn so much about people when you talk to them about reasons other than why they called. You relate and connect to people at a deeper level and they gain trust. I want people to feel good when they leave my office. I’m here to do your loan and get you a home. Tell me the truth so I can help figure it out without surprises, so we can fix problems now. I’m not here to judge.”
Though a natural in mortgages, Rashelle started with a different ambition. After a summer of bartending, she went to work at a local bank. Pursuing a branch manager position, she found great satisfaction in the alternative mortgage department helping people overcome difficult situations. A step into the mortgage department seemed like a good fit and a perfect step in the right direction for her career. Discovering her new passion there, she never looked back.
As a mortgage originator, Rashelle is determined to find solutions for her clients, even when others give up. This reputation causes even her “competition” to call her when they have a stuck client. They know Rashelle will find a way for her clients to succeed.
Rashelle’s creative thinking was exemplified in a recent reconstruction loan. The client, a “competitor’s” customer, had been trying to obtain the loan for their home for three years. Though the bank could loan some, it wasn’t enough. Sending their client to Rashelle, her “outside the box” thinking determined a solution: recognizing the double parcel of land on which the home sat, she arranged a farm loan for the majority of it, allowing the construction loan to cover the difference.
“It also turned into a USDA loan, so the home owner paid no money down, got a low rate, and they had the home they always wanted. I love bending my mind around deals like that to get my clients what they want. I also ask the questions no one else will, or try to do things others won’t; you just never know until you ask. What’s the worst that can happen; they say no? So you might as well try! You learn more by trying than if you didn’t!”
Now the banks are happy, the client is happy, and nothing makes Rashelle happier.
“My goal is to always do the right thing for the client, what’s best for them - what they need based on what they have going on. Doing the right thing at the right time and making it fun for clients eases a stressful situation. I try to put things in terms that they understand. When you leave, I don’t want you to be confused.”
Rashelle’s background in small business, her experience in the Navy, and her most valued position as a mom of Rossville High School graduate, Autumn Fuller, have given Rashelle a unique perspective in the mortgage industry. As a mom, she understands the value of being a homeowner. As daughter of a small business owner, she understands the financial challenges of self-employment. As a Navy veteran, she greatly respects all those serving our country and looking to establish a home.
This unique perspective allows Rashelle to turn “no’s” into “knows”; besides looking for solutions where others can’t find them, she also educates her clients on helping themselves become home owners:
- From her early experience in the credit department, she offers valuable tips to help those in financial difficulty.
- For the self-employed, she offers solutions such as record-keeping tips to help their books accurately reflect their financial position.
- As a long-standing member of Bright Futures Business Network International (BNI), she has a toolbox full of trustworthy resources for appliance repair, insurance, electrical expertise, disaster relief, and other needs.
- For those rare occasions when she can’t get the client to a closing (yet!), she makes sure they leave feeling valued, educated, and hopeful for the future. It is this kind of treatment that causes even those she can’t help now refer Rashelle to their friends.