Loans, Insurance & credit card information

It’s funny to me how people can sit there and complain they don’t have any business coming in but at the same time can have a 2 hour conversation about the latest “Dancing With The Stars” episode. Then you get the guy who sits in front of his computer for 3 hours figuring out his fantasy football strategy, but goes “boo-hoo” at the end of the month when their paycheck isn’t very big.

Does this scenario apply to everyone? Heck no, but I’ll bet a lot of people KNOW a Loan Officer who is or has been guilty of it. Also, I’m sure you’ll smile about it because you may have done it yourself at one point or another and you know what I’m going to say. Oh, before you think I’m just blowing smoke, I’ll tell you that I’ve been there, done that, but I talked about “The Shield” and “24″.

The bottom line is it’s all up to YOU when it comes to making money in the mortgage business. Blaming your income on lack of business just doesn’t cut it. If what you are doing isn’t producing, guess what, chances are you’re doing it WRONG! Change something. Analyze it, do something different. Instead of Starbucks for coffee in the morning, go to a different coffee shop. Instead of taking the interstate to work, try the back roads. Get into a different routine.

Loan Officers are making money left and right in the mortgage business, even in this market. What’s the difference between them and the non producing LO’s? The only thing I can accurately say is I can pretty much promise you their work habits are a bit different than the “not making money Loan Officer.”

A lot of Mortgage Broker and LO’s don’t understand they are, for the most part, self employed. Maybe not on their W2, but their mindset needs to be so. Think about it, their income is mostly based on THEIR activity, not anyone else’s. THEY are the focal point of their financial situation.

I don’t know how much more clear I can be about that. {If that statement just made you mad, ask yourself why, but don’t get mad at me for pointing it out} I’m not trying to beat anyone up, I just want to make you think about your business and where it can take you. If you’re not where you want to be, then change it. Wear different cloths, get another hair style, read different books, just change something and see what happens. Get you mindset focused differently and see what that does for you. It’s totally up to you, so go out there and do what you need to do!