Dear Loan Officer: What is Gratitude?

I am so incredibly grateful for each and every member of The Borrow Smart Team and all that they bring to our team! What an awesome 2021 we have had together! 


On that note, what IS ‘Gratitude’ you ask?  Well, let me tell you:

Gratitude is derived from the Latin word ‘gratia’, meaning grace, graciousness, or gratefulness.

Gratitude is the experience of counting one’s blessings.

It is the feeling that embodies the phrase “Thank you”.


A study by Emmons and McCullough in 2003 found that keeping a daily gratitude journal leads to better sleep, reductions of physical pain, a greater sense of well-being, and a better ability to handle change.  

On top of that, another study found that gratitude could be the ultimate magic pill for ‘happiness’!


People experiencing gratitude are influencing their hypothalamus in real-time, which is the tiny part of your brain that directly influences sleep, eating, and stress.  

Gratitude also stimulates the part of the brain associated with DOPAMINE – the ‘do-it-again’ chemical which is responsible for the creation of new learning pathways.


Bottom line:  BE GRATEFUL every day!  Journal in the morning 3 things you are grateful for, and then end your day writing down 3 things that went well that day you are grateful for.  

This is a week of giving THANKS, so embrace it and enjoy every moment of those around you.

Be grateful for those who pour into you, support you, and care about you.  

Take advantage of this magic pill and be grateful daily!  #WintheWeek

About Trevor Hammond

As a veteran of the mortgage industry, Trevor Hammond is the co-author of "Borrow Smart, Retire Rich," a Certified Mortgage Adviser and a founding Faculty Member and Contributor to the National Institute of Financial Education ( And he has provided thousands of homeowners with the clarity and confidence to make smarter decisions when it comes to their mortgages and money. In 2013 he launched an entirely new kind of mortgage company: Aspire Mortgage Group, which is committed to educating and empowering homeowners to increase savings, eliminate bad debt, and safely increase net worth. The specialized group of mortgage professionals at Aspire Mortgage Group have redefined what homeowners should expect from a mortgage company. To learn more about Trevor Hammond and our team of mortgage advisors please visit our website at or email Trevor directly: Aspire Mortgage is a Sierra Pacific Mortgage Partner.
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