Rule #1 for Creating a Great Culture

Creating and growing your culture is the cornerstone to success. Do you know what the RULES OF THE GAME are for your team?

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Focus on Your Victories and Learn from Your Failures

Choosing between failure and success

We all have “ugly” transactions.   Sometimes things just go wrong…and perhaps continue to go wrong.  I recently talked with two very dejected Loan Officers who were each dealing with an “ugly” loan transaction:  clients unhappy and Realtors complaining and pointing fingers.  If you are in the mortgage business and have done a good amount of business, you’ve been in similar situations.

The reality is, it’s part of our growth in this business.  As with everything, the difference is how you respond.  One or two tough mortgage transactions, or clients, can temporarily crush your confidence.  And if you only HAD one or two loans in total, you’ll question your own capabilities when it can feel like “every loan transaction is a disaster”.

But that’s not the reality.  An “ugly” transaction does not make a career.  Start by focusing on the good ones you’ve had.  Pull out those raving testimonials you got on the LAST loan or two, from those clients that loved you and applauded your team.  Remind yourself that a bad transaction doesn’t mean YOU are bad.  Move on, be better next time, keep building new relationships, and LEARN from any mistakes you made.

Confidence is the key to everything, so you must proactively build your confidence back up when things go sideways.  

Then, from a constructive mindset, “autopsy” that bad experience.  What worked?  (Hint:  There is ALWAYS something that went well, no matter how bad things feel.)  Then, write down what didn’t work or go well?  How would you improve your systems to ensure things go better next time?  What questions would you ask earlier in the process?  How would you set expectations better next time, with the client, the Realtor partner, etc.?

Point is, don’t beat yourself up too bad over a tough/bad loan transaction.  Yes, we are in an emotional business and we take it seriously.  Heck, there’s a lot of money at stake for everyone.  But it happens and will continue to happen, though hopefully less and less. Stay confident.  Keep learning and improving.  It’s not easy…but if it was, everyone would be doing it.

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Two Ways to Avoid Burnout as a Mortgage Loan Officer

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Mindset vs. Skillset

Mindset beats skillset every time. Check out this quick lesson about why mindset is so important:

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Top 10 Lessons I Learned in December 2017

WILD

This is it!  I made it the entire year capturing the most important lessons I’ve learned each and every month and then narrowed them down to my top 10 to share with YOU!  Now the question is, will I be able to narrow down ALL of my 2017 lessons learned into my top 10 of the YEAR?  That will be tough, but I’m looking forward to reviewing all 120 lessons from 2017.

For now, here is my top 10 for December.  You’ll find a theme around goal setting and happiness, since that’s what December is typically about for me as I look ahead to the New Year.  I hope one or more these lessons can help you in some way move forward, either professionally or personally in 2018.  That’s why I share them.

  1. Pain + Reflection = Progress (Ray Dalio)
  1. Knowledge is only potential power.
  1. We tend to be the product of the thinking around us.  And far too much of this thinking is little!
  1. Once you truly believe you can do something, the “how-to-do-it” begins to materialize.  But first you must believe.  If you don’t, your mind will continue to find “reasons” to support this negative belief.
  1. Pursuing happiness actually pushes it away!  Happiness is actually the by-product of focusing and acknowledging your growth and progress.
  1. Lack of clarity leads to inaction.  Simply ask, “What’s the very next, most obvious step or action I want to take?”
  1. “The things that matter the most should never be at the mercy of things that matter the least.” (Jonathan Goethe)
  1. You can’t want something more for someone than they want for themselves.
  1. People love water; they hate waterboarding.  Meaning, don’t pile on too much too quickly.
  1. Failure:  Waiting for the difference-maker and not realizing it’s YOU!

Thank you for reading and following!  Keep learning.  Keep growing.  It is what we are designed to do as humans.  And PLEASE SHARE this with others to give value and help THEM grow.  Make 2018 amazing!

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Top 10 Lessons I Learned in November 2017

journaling 1The year is winding down, and I continue to catch up on sharing my top lessons learned in 2017.  November kicked off with a special trip to learn from and share with my own coach, Todd Ballenger.  A number of these lessons came from our time together in Denver, as he continues to push me to my full capabilities and helps me create both a business AND life I love.   

And once again, I hope one or more of these lessons can help you in some way move forward, either professionally or personally.  That’s why I share them. 

 

  1. When hiring…when in doubt, don’t! 
  2. Find THE ONE thing to implement from each book I read. (Note:  I read a LOT of books, and tend to want to implement everything.  This is a tough challenge for me!) 
  3. “Pain + Reflection = Progress”.  This ties to my belief that there are only “winners” and “learners”.  Learn by reflecting. 
  4. Don’t try to stop thinking!  My mind will quiet itself when it is ready. 
  5. Building on people can be unpredictable.  Building on systems can be predictable AND scalable. 
  6. With structure and accountability…comes freedom. 
  7. Talent + Passions + Leadership = my unique difference that I must uncover. 
  8. There is no path.  The path is made by walking.  (Joseph Campbell) 
  9. An ‘event’ is just an ‘event’.  It may be something to address and solve.  But it’s not a problem until I attach a negative thought or weight to it.  (Yeah, chew on that one a bit 😉 )
  10. Behind every criticism…is a wish. 
  11. *BONUS!*  Your mind will filter events to reinforce a current belief.  Saying “I can” or “I can’t” further reinforces the belief.  (This is huge, and should be top of mind for us all on a daily basis!) 

Thank you for reading and following!  Keep learning.  Keep growing.  It is what we are designed to do as humans.  And PLEASE SHARE this with others to give value and help THEM grow. 

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Top 10 Lessons I Learned in October 2017

journal

Well…it happened.  My year-long goal to hit “pause” and reflect on all that I’ve learned each month didn’t happen!  So I’m catching up now because I DID learn a ton in October.  I only failed to summarize it in a blog to share.  And I dedicate much of my learning for October to my long-time mentor, Todd Duncan.  My team and I spent a week in San Diego with Todd for his amazing annual conference and I could barely sleep thinking about all that I learned. So here we go with my Top 10 (of many more!) for October 2017.

And once again, I hope one or more these lessons can help you in some way move forward, either professionally or    personally.  That’s why I share them.

  1. The only progress you achieve is the progress you measure.
  2. Opportunity knocks at no door.  She will answer only when I knock.  I will knock often and loud! (Og Mandino)
  3. You can’t be anything you want to be…but you CAN be a lot more of who you already are. (Todd Duncan)
  4. Hard work pays.  Hard work you’re good at pays more.  Hard work you’re good at and you love…pays the most. (Todd Duncan)
  5. Always be sure to manage activities, not just results.  Results are a lagging indicator, and too late to correct.
  6. How would the person you see yourself being in the future…handle today?  (a powerful question that I continue to think often about.)
  7. The best experience anywhere is now expected everywhere! (Todd Duncan – meaning, we must all step up our game as service providers!) 
  8. Make your energy, vibe, and attitude your #1 job. (Jonathan Roche)
  9. View your LIFE and your HEALTH as GIFTS! (Jonathan Roche)
  10. How will what I’m doing help my clients SURVIVE or THRIVE?  (A filter for all of my ideas for business now going forward!)

Thank you for reading and following!  Keep learning.  Keep growing.  It is what we are designed to do as humans.  And PLEASE SHARE this with others to give value and help THEM grow.

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