“I continue to be bullish on real estate. And we’re going to be there to help.– Michael DeVito

In these unprecedented times, there’s a lot of misinformation and uncertainty in the marketplace. In this episode, Brian interviews Michael DeVito, Executive Vice President and Head of Wells Fargo Lending, to get clarity on current banking issues. Topics discussed include whether banks are still processing mortgages, how appraisers are evaluating homes and why it’s so important to support average homeowners who want to purchase.





  • How the financial system is coping with the crisis.
  • The state of play regarding jumbo loans, purchase loans and refinances.
  • How Wells Fargo is helping those directly affected by COVID-19.



Episode 203, A Home for the Brave – an Interview with Dr. Ben Carson and Brian D. Montgomery

Episode 201, This Too Shall Pass – an Interview with Dr. Lawrence Yun

The 5 Circle Fit Challenge



“We have to recognize that there’s shelter in place and other things happening that have changed the way we do business. But we’re absolutely open for business and serving customers.” – Michael DeVito

“We’re processing and underwriting loans in remote ways – in ways we never even imagined we would be doing it.” – Michael DeVito

“The good news to this situation is that you have a financial system that’s able to lean in and help, unlike maybe the last time around when the financial system was not as strong and not able to be a source of strength.” – Michael DeVito

“Try to take the long view, try to gather as much information as you can and assess and adapt. The world’s not going to go back to what it was, it’s going to go to something new. And there’ll be new opportunities as a result of that. And the most adaptive of us – the most adaptive companies, the most adaptive teams, the most adaptive people – they’re going to be the winners.” – Michael DeVito

“Assess and adapt – that’s the Navy SEAL way.” – Brian Buffini

“People want to be homeowners; we know they want to own homes. And when you think about that, there’s just this desire to have a place for your family and a place to gather. And we’ll do that again. We’ll be gathering with family and friends again, you know, it’s just going to be a window of time but we’re going to do it again.”  – Michael DeVito


The goal is to get 5 Circle Fit. My goal for all of you is that, week by week, we’re going to help each other.” Brian Buffini

Even in these uncertain times, it’s still possible to control your own environment, be proactive and come out a winner. In this episode, Brian introduces the 5 Circle Fit Challenge. This program is designed to help people focus their energies and operate in a peak state by following a week-by-week series of recommended tasks and activities in the 5 circles of life – spiritual, family, business, financial and personal.





  • How a rolling start will help to get your business and life back on track.
  • Why everyone needs a pit crew for support.
  • How you can get started and be ready to serve your family, customers and community at full speed.



“Acres of Diamonds,” by Russell Conwell

Buffini Bonus Resources

Buffini & Company Pathway to Mastery™

Episode 201, This Too Shall Pass – an Interview with Dr. Lawrence Yun



“Whether you realize it or not, you have not been operating at your peak state.”  – Brian Buffini

“You’re in total control of your own life.” – Brian Buffini

“The number one thing we have to do with self-help is get ‘self’ out of it.” – Brian Buffini

“You need answers outside of yourself, we all do. We all need help.” – Brian Buffini

“The world is not as fun or as effective a place when we’re just by ourselves.” – Brian Buffini

“Getting started starts with a decision.” – Brian Buffini

“We can’t control the roll-outs and what happens. We can’t control what consumers do.

We can’t control the world but here’s what we can do – we can control ourselves. We can control our attitude, we can control our energy and we can control our activities.” – Brian Buffini

Imagine if everybody’s best versions of them was affecting their world right now.” – Kevin Buffini


To successfully navigate these often stressful and uncertain times, it’s vital to self-manage and be self-aware. In this episode, David Lally, producer of “The Brian Buffini Show,” interviews Buffini & Company Heritage Profile™ expert Kevin Buffini to discover how you can best manage your natural gifts and abilities in a crisis situation. Topics discussed include why people react so differently to challenges and how devising and sticking to a plan can help to get you through difficulties.



Our team has put together an action plan, based on your unique personality, of how you can reach out and encourage people during this time. Click the button above to grab it!



  • How to stop your natural abilities becoming liabilities.
  • How to be both aware of your abilities and beware of how you use them.
  • How to manage your profile with care in a crisis situation.



Buffini & Company Heritage Profile™

Buffini & Company Pathway to Mastery™



“Anytime something bad is happening to us, our bodies want to save us from that. So, we go into a fight or flight response.” – Kevin Buffini

“In a state of heightened intensity, our strongest abilities act out first.” – Kevin Buffini

“Self-awareness helps with great self-management.” – Kevin Buffini

“Your most intense abilities will always be the things that drive your actions. So, if you’re just relying on muscle memory, stop and ask yourself: am I helping or hurting right now?” – Kevin Buffini

“You want to be intentional with the strengths that you have. We want you to use the abilities that you have. So, start trying to figure out who can you help with your abilities, and where can you help with your abilities.” – Kevin Buffini

“If we can think before we act, then we just updated our self-ware.” – Kevin Buffini

“People are being forced to reflect and work on their life, not just in their life. And I think there’s a moment and there’s an opportunity for us here if we will just act on it.”– Kevin Buffini

The beauty of this is we may get knocked down, but we’re also the referee. So, don’t ever count yourself out.” – Chris Hogan

In these uncertain times, people need to be in control of their money more than ever before. In this episode, Brian interviews finance expert Chris Hogan about how to take care of finances in the current economy. Topics discussed include how to still save money and pay down debt, why the stock market is set to rebound and how to learn from this situation and get prepared for when the economy starts to recover.




  • How to stay in control of your faith, attitude, outlook and actions.
  • How to protect and conserve your energy, resources, money and talents.
  • How to be grateful, even in difficult circumstances.



Episode 203, A Home for the Brave – an Interview with Dr. Ben Carson and Brian D. Montgomery

Episode 201, This Too Shall Pass – an Interview with Dr. Lawrence Yun

Episode 205, Leading in a Crisis – an Interview with NAR President Vince Malta


Buffini & Company MasterMind Summit

Episode 158, Everyday Millionaires with Chris Hogan

The Chris Hogan Show

“Everyday Millionaires,” by Chris Hogan

“The Total Money Makeover,” by Dave Ramsey

Ramsey Solutions



“I want to encourage people out there for things you can control: your faith, your attitude, your outlook and your actions.” – Chris Hogan

“We’ve got to regroup and rethink and be smart.” – Chris Hogan

“The stock market is like the supermarket. You can go in the supermarket and get some stuff that’s good for you and you can get some stuff that’s bad for you. So, we need to be aware of what we’re investing in based on our risk tolerance and based on our goals.” – Chris Hogan

“The market is down, but do not eject: stay focused and not finished, because it’s going to rebound.” – Chris Hogan

“If we make short-term emotional decisions regarding our long-term financial well-being, we’ll end up in trouble.” – Brian Buffini

“I tell people: I’m not worried about what’s going on at the White House, we need to focus on what’s going on in your house. And so, getting a plan for debt reduction, getting on a balanced spending plan, a budget, and having reserves for the future and saving an investment for the future. If you can’t wake up and see the importance of this, then you’re not paying attention.” – Chris Hogan

“What we need to be doing is learning from this. Feel the pain and use that pain to make progress.” – Brian Buffini

“This can be the ultimate personal growth experience for people, and they can learn from it and go forward and build a financial fortress that can withstand any storm in the future.” Brian Buffini

“They say information without application is just information; but information that gets applied has an opportunity to become wisdom.” – Chris Hogan

“When people ask me, ‘Hogan, how are you?’ I say I’m focused and not finished. That means I’m focused on what I want. And I’m not finished yet.” – Chris Hogan

“I want us to focus on the spirit of gratitude. It’s so easy to get caught up on what we don’t have. I think it’s important for us to be aware of what we do.” – Chris Hogan

“It’s hard to be hateful when you’re grateful.” – Chris Hogan

This is our job. But, more importantly, this is our passion. And we are here to fight for you. We’re here to fight for all of your listeners. And I am grateful for the opportunity to do that.” – Shannon McGahn

 In times of crisis, it’s reassuring to know that you have good people in your corner. In a continuation of a series with the leadership of NAR, Brian interviews Shannon McGahn, Senior Vice President of Government Affairs for the National Association of REALTORS®. Brian and Shannon discuss how the organization is representing the interests of the real estate industry on Capitol Hill during the Coronavirus crisis. Topics discussed include how pandemic unemployment assistance can help those who need it; why cash flow is so important to real estate and how the pushback of the tax deadline to July 15 will help the industry; and how lending institutions can service small business with loans.





  • How NAR represents REALTORS® in Washington.
  • How the recent CARES Act will help the industry.
  • What the next round of legislation holds.



Episode 203, A Home for the Brave – an Interview with Dr. Ben Carson and Brian D. Montgomery

Episode 201, This Too Shall Pass – an Interview with Dr. Lawrence Yun

Episode 205, Leading in a Crisis – an Interview with NAR President Vince Malta





“For all the talk of a broken and partisan Washington, when this sudden crisis hit, Congress acted in an overwhelmingly quick and bipartisan problem-solving way and our job is to work with them in that fashion.” – Shannon McGahn

“NAR jumped to action to ensure that our members, property owners and the industry were all well represented in this response.” – Shannon McGahn

“What makes REALTORS so effective on the Hill is that we’re not representing a special interest. We’re representing everyone’s interest. This is REALTOR members, property owners, consumers, the industry and the business as a whole.” – Shannon McGahn

“It’s our intention to continue working with lawmakers to ensure that, as we get out of the crisis and into recovery, that we can see that real estate plays a big picture there.” – Shannon McGahn

“I must say that I have had great responsiveness from all of our contacts on the Hill. They are looking for every way possible to help shake out any of these funds within the economy.” – Shannon McGahn

“We’re self-employed. And it’s just good to know we’re not all by ourselves.” – Brian Buffini

“Observers who were closely following the 1031 issues are encouraged to see that we might see some relief and guidance in the next week or two.” – Shannon McGahn

“We work with people. So, as long as you respect the people and the process that they have to go through to come up with their decisions and to implement them, then you’re going to have a better understanding of how those laws are enacted.” – Shannon McGahn

I think happiness in great times is a luxury item. I think, right now, optimism, happiness becomes one of those essentials the necessities that we absolutely need.” Shawn Achor

 How can we be happy, even in challenging times? In this episode, Brian interviews happiness expert Shawn Achor to discover how we can create happiness, spread it to other people and use it as an advantage in our lives. Topics discussed include how a crisis can deepen our social bonds and give us meaning, how people can understand their own potential and where potential, success and happiness intersect.




  • How to process this crisis and have a happier and more productive outcome.
  • How a shift in mindset and behavior can help you change course in difficult times.
  • The five seeds of potential that help people thrive in crisis.



Buffini & Company MasterMind Summit

Shawn Achor’s TED Talk

PBS Special: The Happiness Advantage

“The Happiness Advantage,” by Shawn Achor

“Big Potential,” by Shawn Achor

“Mere Christianity,” by C.S. Lewis

“The Great Divorce,” by C.S. Lewis

Wilbur Smith, author



“While it is unprecedented that we’ve never shut down the world because of a global pandemic ever, what isn’t unprecedented is the fact that humans have gone through crises and overcome them.” – Shawn Achor

“What we have great precedent for is that humans overcome challenges and crises in the exact same way. Eventually, the turning point comes when people are able to raise their levels of optimism, social connection, refine the meaning that they have within their work, and be able to restart that forward progress.” – Shawn Achor

“People think happiness is connected to whimsy. This is a toughness. This is a determination. This is a resolve. It’s a spirit. It’s mind and heart.” – Brian Buffini

“I think people are going to become more grateful because convenience has been taken out of our life.” – Brian Buffini

“People are either going to get bitter or better at this time.” – Brian Buffini

“The mindset shift I’m hoping people make is not ‘How do I get out of this crisis myself? How do I hunker down? How do I solve this?’ But rather, ‘How do I create an interconnected pursuit of happiness and success within my life?’” – Shawn Achor

“The geometry of the challenges in your life are constantly in flux, based upon whether or not you think you’re alone, or with other people overcoming a challenge.” – Shawn Achor

“I want to move away from a self-help approach to happiness.” – Shawn Achor

“The greatest predictors of our long-term levels of happiness right now are other people.” – Shawn Achor

“When somebody’s going through a challenge, optimism doesn’t shield them from it. But optimism and social connection cause them to become more adaptive to get out of that quicker.” – Shawn Achor

“The crisis actually gives us something meaningful to bond around.” – Shawn Achor

“People have these seeds of untapped potential that they oftentimes don’t even know that they could cause to flourish, or they don’t have the time for.” – Shawn Achor

“If the height of your potential is predicted by the people around you, we need to find some way of lifting them up right now.” – Shawn Achor

“There’s ways to find growth in the midst of a challenge.” – Shawn Achor

“Sometimes you have to get away from what you have that’s comfortable to go after what’s great.”  – Brian Buffini

“One thing is for sure. We’re going to survive this and we’re going to be stronger at the other end as an industry.” – Vince Malta

In these uncertain times, real estate professionals are experiencing unprecedented challenges on a national level. In this special bonus episode, Brian interviews NAR President Vince Malta about how the community can weather the Coronavirus pandemic and have confidence in the future. Topics discussed include how the home market will recover; why staying informed, keeping educated and getting trained is vital; and how virtual advances might streamline transactions.




  • How NAR is currently advocating on behalf of the industry.
  • How the recent $2 trillion CARE relief package will help the real estate business.
  • Why Realtors’ value proposition is more important than ever.



Episode 203, A Home for the Brave – an Interview with Dr. Ben Carson and Brian D. Montgomery

Episode 201, This Too Shall Pass – an Interview with Dr. Lawrence Yun

Buffini Bonus Resources

U.S. Chamber of Commerce infographic

National Association of REALTORS®

NAR Right Tools Right Now

Realtor hotline: 1 800 874 6500



“Home is very important to me right now. I really appreciate my home, this place I call home, a lot more these days.” – Vince Malta

“I think people have a greater affection for their home. I think they have a greater affection for the people who made their home possible.” – Brian Buffini

“I think when we come out of this, there will be a great pent-up demand in the home business.” – Brian Buffini

“We saw that after 9/11…people really looked at home as their safe haven and so they invested a lot more in their home or they invested in a home.” – Vince Malta

“I think that we’re all going to get our home in order when this passes for sure. And there’ll be good opportunity to do so.” – Vince Malta

“Many markets in the United States are still doing a lot of buying and selling of homes right now.” – Vince Malta

“One thing I find with Realtors is they’re so resilient. And they’re so adaptable. And that’s what they are doing right now. They’re finding ways that they could help their clients either market their property or help them prepare for what they’re going to do or providing them the latest information regarding Covid 19 through this crisis, and so that is, I think so great about our Realtor community. They make things work in sometimes the most adverse situations.” – Vince Malta

“Stay up to date with the latest information.” – Vince Malta

“This is a time to really reflect and look inward in a sense as to how you need to perhaps redesign your business model. Educate yourself. This is the time to take and do those things.” – Vince Malta

“You’re going to be in a situation where you might want to do 12 months’ worth of business in about 9 months’ worth of work. And so, now’s the time to do training.” – Brian Buffini

“Now’s the time to be a voice of value in the marketplace.” – Brian Buffini

“Your expertise is needed more now than ever.” – Vince Malta

“Some online providers have pulled back their services because of what’s been going on, such as iBuying programs, etc. So I think that there’ll be a great need for real estate services as we move forward.” – Vince Malta

“That value proposition is going to be extremely important as we move forward. And I think that Realtors will be able to express that value proposition so greatly as they’re guiding people through this post Covid19.” – Vince Malta

“You’ve got to take the ‘self’ out of being self-employed, I think it’s important to connect as a community, connect with fellow agents, connect with your broker. – Brian Buffini

“Some blessings always come out of these trials.” – Brian Buffini

“Realtors aren’t going anywhere. We’re here for the long haul. We’re here to serve.” – Brian Buffini

When things get hot, I get cool.”Brian Buffini

In times of crisis, we must dare to be great. In this episode, Brian explains how to deal with challenges and assist others in these unprecedented times. With military tips for developing discipline, as well as inspirational stories, how-tos and quotes, this episode will help you be fired up, steady and secure, now and into the future.



  • How to practice Discipline.
  • How to enhance your Attitude.
  • How to Relax.
  • How to Energize.



Episode 203, A Home for the Brave – an Interview with Dr. Ben Carson and Brian D. Montgomery

Episode 201, This Too Shall Pass – an Interview with Dr. Lawrence Yun

Episode 198, Start Slow, Finish Fast – an Interview with Hal Higdon

The Pray App


“Attitude,” a poem by Charles R. Swindoll



“Without self-discipline, success is impossible.” – Lou Holtz

“Discipline is choosing between what you want now, and what you want most.”  – President Abraham Lincoln

“Discipline is the foundation on which all success is built. Lack of discipline inevitably leads to failure.” – Jim Rohn

“Life is 10 percent what happens to me and 90 percent how I react to it.” –  Charles R. Swindoll

“Attitude is a little thing that makes a big difference.” – Winston Churchill

“Your attitude, not your aptitude, will determine your altitude.” – Zig Ziglar

“If you don’t like something, change it. If you can’t change it, change your attitude.” – Maya Angelou

“If you can’t energize others, you can’t be a leader.” – Jack Welch

“The Lord is my shepherd; I shall not want.” – Psalm 23


You can’t be free, unless you’re brave. It’s on every coin in our pocket and every bill in our wallet that says ‘In God We Trust.’” Dr. Carson

As a cornerstone of the American Dream, homeownership means even more to people in these unprecedented times. In this special bonus episode, Brian interviews Dr. Ben Carson, United States Secretary of Housing and Urban Development, and Brian D. Montgomery, Assistant Secretary for Housing – Federal Housing Commissioner to get an insight into how the Coronavirus pandemic will affect the housing market. Topics discussed include why health and housing go hand in hand; how the housing market as a whole is currently holding up; and what homeowners can do if they’re struggling to keep up with mortgage payments. Read transcript for “A Home for the Brave – an Interview with Dr. Ben Carson and Brian D. Montgomery #203.



  • If any changes to FHA underwriting guidelines are coming.
  • How the ongoing housing shortage will impact first-time buyers and renters
  • How the real estate community can support fair housing programs.



“This too will pass; people need to understand. It will come and it will go.” – Dr. Carson

“We have to recognize that, by shutting down the whole country, we also have some significant economic consequences. So, we’re going to have to fashion solutions that take everything into account. We don’t want to destroy one area to say that we’ve succeeded in another area.” – Dr. Carson

“People should understand that each one of us plays a significant role.” – Dr. Carson

“People must take the social distancing very seriously.” – Dr. Carson

“Act as if you have the virus at all times, and you’ll do the right thing.” – Brian Buffini

“Having a place that you can call your own, a place that you can go to and be supported – you can’t put a value on that. It’s so vitally important. That peace of mind allows you to grow and to plan.” – Dr. Carson

“Homeownership is the number one mechanism of wealth accumulation in this nation.” – Dr. Carson

“It’s very important for people to understand that we’re in a radically different place going into this crisis than we were with the mortgage crisis.” – Brian Buffini

“This is a blip. This too will pass. The fundamentals remain the same; they are still strong.” – Dr. Carson

“I think once this is all over, you’re going to see a continuation of improvement in the market.” – Dr. Carson

“We do still have shortages of course, in particular with existing homes and it’s going to take a while for us to rectify that situation, but it’s all moving in the right direction.” – Dr. Carson

“While none of us wanted this to happen and hope it ends quickly, thankfully it’s during a rather strong housing market.” – Commissioner Montgomery

“The key thing we want to make sure that people understand is that no-one should lose their home as a result of this.” – “Commissioner Montgomery

“We wanted to stop in their tracks any foreclosures or evictions that were going on. But we also wanted to emphasize to people that we have a relationship with the services and we asked them to exercise forbearance.” – Dr Carson

“If you foresee an issue with your mortgage payment, you need to contact your servicer and they will work with you.” – Dr. Carson

“You still have to contact your lender if you think you’re going to miss a payment or get behind on a payment.” – Brian Buffini

“People should not be embarrassed. Recognize that this is a widespread problem. Your neighbor may look like they’re very prosperous, but really they’re thinking the same thing you are.” – Dr. Carson

“We recognize that we have an obligation to the people that we serve and we’re going to make sure it is fulfilled.” – Dr. Carson

“This has come to pass; it hasn’t come to stay.” – Beverly Buffini

“We want to be the voice of steady and calm.” – Commissioner Montgomery

“People are just reaching out. For the most part, we Americans are peaceful people who care about their neighbor.” – Dr. Carson

“It’s so important for us to recognize to not allow ourselves to be changed by the purveyors of hatred and division.” – Dr. Carson

“The words (of encouragement) are already there. They’re in our pledge of allegiance – one nation under God.” – Dr. Carson

“It’s in our national anthem, at the end of that first stanza, where it says the land of the free and the home of the brave. You can’t be free, unless you’re brave. It’s on every coin in our pocket and every bill in our wallet that says ‘In God We Trust.’” – Dr. Carson

“It doesn’t matter what your faith is. Godly principles of loving your fellow man, caring about your neighbour, developing your God-given talents to the utmost so that you become valuable to the people round you, having values and principles that govern your life. That’s who we are and, if we do that, there is no issue that can conquer us a people.” – Dr. Carson

Lessons are coming, and better days lie ahead.” Brian Buffini

How do you make a comeback after experiencing a trial, a setback or a difficulty? In this episode, Brian explains how he handled a series of life crises in a way that made his relationships better, his family stronger and his business more prosperous. Topics discussed include how Buffini & Company survived the impact of the last recession, how Brian’s family coped when their home was destroyed by a wildfire and how Brian himself endured his own serious health issues.

Our team has put together an awesome book of inspirational quotes for you. Click here to grab it!




  • How the fire of a crisis can refine, purify and increase your value.
  • How you can begin anew.
  • How you can simplify your life.



“My Way,” by Frank Sinatra

“I Get Knocked Down,” by Chumbawamba

“Cool Hand Luke,” movie

“The Color Purple,” movie

“God is Trying to Tell You Something,” song

“Amazing Grace,” by Wintley Phipps

“How to Win Friends and Influence People,” by Dale Carnegie

“The Richest Man in Babylon,” by George S. Clason

“The Greatest Salesman in the World,” by Og Mandino

“The Power of Habit,” by Charles Duhigg



“How do we become more valuable as human beings? Through these trials and through the intense heat of life, the impurities get burned off.”  – Brian Buffini

“It is in the quiet crucible of your personal, private sufferings that your noblest dreams are born and God’s greatest gifts are given.” – Wintley Phipps

“Trials teach us what we are; they dig up the soil and they let us see what we’re made of.” – Charles Spurgeon

“Circumstances do not make the man; they reveal him.” – James Allen

“Removing impurities in the human heart, that hurts. And it’s the kind of personal growth that nobody wants.” – Brian Buffini

“When you actively engage in gradually refining yourself, you retreat from your lazy ways of covering yourself or making excuses.” – Epictetus

“I do not think that there is any other quality so essential to success of any kind as the quality of perseverance. It overcomes almost everything, even nature.” – John D. Rockefeller

“If you can’t fly, then run. If you can’t run, then walk. If you can’t walk, then crawl. But whatever you do, you have to keep moving forward.” – Martin Luther King, Jr.

“Life is too short to get caught up in the tragedies of the past.”  – Brian Buffini

“Procrastination is the silent killer. Act now.” – Brian Buffini

“The secret of change is to focus all of your energy, not on fighting the old, but building the new.” – Socrates

“And let us not grow weary of doing good. For in due season we will reap if we do not give up.” – Galatians 6:9

“Whatever you’re dealing with, I just hope you keep your chin up, keep your hopes up, keep your eyes up, look up, pray up, fellowship up and keep up and you’ll be just fine.” – Brian Buffini