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Home | Goals & Living Your Life Site Search 

How To Reach Your Goals And Live Your Life As A Loan Officer Or Mortgage Broker While Still Keeping Your Sanity

This department covers how to balance mortgage work and life, to best reach your career goals.  The articles here in this mortgage training department will inspire you to press-on despite the circumstances and keep your eye on the prize. You can do it!  YES YOU CAN! :-)

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DOWNLOAD = Goal Tracking Sold Fees Worksheet
DOWNLOAD = Goal Tracking Sold Fees Worksheet Back when I was dealing with a multitude of loan officers at the branch level, I needed a quick and easy way of making sure that everybody was on track to meet their goals. In this worksheet, you'll see our sold fees (YSP and any front-end points on the loan) goal and a running total as we countdown to victory. Although the numbers today would be a challenge given the current state of the mortgage industry. But, back in early 2000 bringing in $10,000 to $20,000 in fees at the branch level was very much attainable. . . . read more
DOWNLOAD = My Secret Daily To Do List
DOWNLOAD = My Secret Daily To Do List People often ask me what my biggest secret to success is? I tell them that it's that I actually get stuff done. All to often people promise that they will do something, but many times fail to follow through. Salespeople are notorious for this! The reason why I succeeded in the mortgage business over a lot of other loan officers, is that I write everything down and am a BIG to-do list type. My chemistry teacher once told me to "think with your brain and remember with your pencil"...advice that has served me well over the years. Here are my secret daily to-do worksheets which have evolved over time incorporating my morning routine, a set of to-do action points, and a second page with nice-to-do's. I try to get all the to-do's done and if I can get to page 2 then I'll try. If not, no big deal because I know I've gotten all the important stuff out of the way. And when the next day arrives, I re-order my list and start over again. A simple system...yes. Foolproof even, I dare to say. Give my daily to-do worksheets a try and your skyrocketing income will tell the story. This resource is in Microsoft Word format. . . . read more
One Common Habit of Most Successful Mortgage Professionals
The one common habit of all successful mortgage people is their insatiable desire to continually educate and motivate themselves. Successful mortgage people never stop reading, listening, and watching material that fills their minds with new thoughts and new ideas. . . . read more
DOWNLOAD = My Lazy To-Do List For Unexpected Weekly Events, Chores And Capturing Ideas
DOWNLOAD = My Lazy To-Do List For Unexpected Weekly Events, Chores And Capturing Ideas Many people marvel at how many things I get done in a week. And it's no wonder that with organization success will follow. Here is a weekly to-do list I created to capture all of the small incidental things that come up during the week. Yes, I have a palm pilot thingie in my phone which I also use, but I'm not about to put grocery lists in there! I use this worksheet to write down important phonecalls to return on a certain day, chore items, even ideas that come up! Anything that I want to specifically make sure I get done during this current week goes on the worksheet. That way it isn't lost to distraction. It's one of my best kept secrets for organization. Simple, yes. Ingenius, you decide! This resource is in Microsoft Word format. . . . read more
DOWNLOAD = Easy Way To Track To Do List Items
DOWNLOAD = Easy Way To Track To Do List Items People often ask me how I get everything done?! We run a small operation here, but I'm often accused of having an army. The truth is it's just me and a few helpers here and there. We outsource a lot of the work and try to keep the production costs of this mortgage training website low to pass the savings onto you. One thing that I've found to help keep me organized is a detailed "to do" list. You'll find a few versions I use here in this download area. . . . read more
10 Ways To Have Fun In The Mortgage Business
We all know the mortgage business can be a little difficult at times. This is a perfect time to take a step back and remember why most of you got into this industry in the first place. When you embarked on this adventure of originating mortgages, were you hoping that it would provide you with the flexible schedule, great income potential and possible a little fun? . . . read more
DOWNLOAD = Countdown To Success Quick List
DOWNLOAD = Countdown To Success Quick List Here's a great little goal sheet I use to keep myself on track with my sales. As a loan officer, you have a million distractions and time management is absolutely crucial. The only thing that counts in this business is results, and making sure you hit your monthly numbers is goal numero uno. Set your monthly target amount, then with each closed loan deduct your commission and see how much you have left. That way, instead of counting up you are counting down. And when you hit zero you'll know you've hit your goal! Congratulations! This resource is in Microsoft Word format. . . . read more
Stopping Stress
Do you ever find yourself feeling overwhelmed? Do you sometimes feel like you just have too much to think about? Does it make you tired, irritable, or even depressed? What can you do about it? . . . read more
Secrets Of Clear Thinking
Where is...car...my keys...hmm...and that...oh yeah, but...hmm - Does your brain feel like that sometimes? How can you combat "brain fog," and think more clearly? Try some of the following. . . . read more
Secrets To Problem Solving
Do you ever run out of good ideas, or go around in circles trying to come up with a solution for a persistent problem? Maybe you just need to learn some simple problem solving techniques, and then start applying them. Choose one or two of the methods below, and get in the habit of using them in your personal life and your business. . . . read more
How To Set Goals Simply
How to set goals? First of all, don't confuse wishes or desires with goals. Often, people want things, situations or accomplishments, and call these goals. Then they're disappointed when they don't get them. Just naming your desires isn't effective goal setting. . . . read more
Start The New Year Off Right, Rebooting Your Brain
It's time to get yourself ready for the new year and one of the best ways I've found to do so is what John Reese calls "Rebooting Your Brain" Here is a brief step by step exercise you can do to get your brain clear and your thoughts organized. . . . read more
Composing Your Real Estate Dream Team
Think about the perfect sports team -- The Dream team. This perfect team would consist of the best players for each spot that needed to be filled. Sure there are a lot of guys that can play each position but there is usually that one that stands out. He is the best of the best, the Gretzky of his position. That is the guy you want. . . . read more
The Real Estate Mom's Home Office: Four Tips For Success
Combining work with home life for the real-estate mom is a never-ending battle between business and family obligations. One of the ways to balance this ongoing issue is for the real-estate mom to create a home office. Here, she can have a place to focus on her business while being close to her kids. The key to optimizing this strategy is organization. . . . read more
Working With Your Family In Your Real Estate Business
We all have families, but not all of us work with them. If your real estate business includes a family member or two, you already know what the good and the bad of it is. Learning how to increase the positives will help in creating not only a stronger platform for your business, but also in stronger ties with your family. This particular balance can be a tough one to manage; however, it is very possible. . . . read more
Does Solving Problems Improve The Process In Your Business?
In other words, if you find a problem in a process and implement change to fix it, then did you improve the process? Well, maybe... Sure, solving problems may be an important thing to do, but it is not the same as improving the process. Why is this so? . . . read more
Picture Yourself A Winner
In the work place, the amount of good things that happen to a person during the day far out number the amount of bad things that happen, so why do we spend so much time stressing over the bad things when we should be smiling about the good things. . . . read more
Quotes To Inspire You To Success
When times are tough, we sometimes need a pick me up. No man or woman ever rose to greatest without the aid and assistance of others. And, you too, can rise to greatest in your mortgage business if you only remember the words of some people who have come before you. I hope these quotes inspire you as they have me. . . . read more
DOWNLOAD = Book: A Simple System To Achieve Your Goals
DOWNLOAD = Book: A Simple System To Achieve Your Goals I know... There are a lot of resources out there that can help you achieve your goals. Books and courses abound on positive thinking, discipline, time management, web marketing, investing, communication, NLP, relationship building, etc etc, ad infinitum. Many of them provide valuable techniques for getting where you want to be. . . . read more
DOWNLOAD = Worksheets: A Simple System To Achieve Your Goals
DOWNLOAD = Worksheets: A Simple System To Achieve Your Goals I know... There are a lot of resources out there that can help you achieve your goals. Books and courses abound on positive thinking, discipline, time management, web marketing, investing, communication, NLP, relationship building, etc etc, ad infinitum. Many of them provide valuable techniques for getting where you want to be. . . . read more
Action Is Motivation Expressed Over Time
Taking action was the challenge that seemed the most serious for the people who mentioned it. And it's one we all have to deal with at one time or another. I personally go through periods when I can't stop creating and other periods when the motivation to do something is hard to find. It's a complicated thing to manage. . . . read more
Reflections On A New Year In The Mortgage Business
I love and hate this time of year. I love it because it gets cooler. People are in a better mood. Just about everybody is celebrating something. And people are shopping like crazy. I hate it because not too many people are shopping for houses. Not that many people think about buying a house or refinancing the last 3 weeks of December. . . . read more
Dealing With The Fear Monster
Let's face it, the reason most investors don't have any private lenders is fear. It's as basic as that. It's a fear of the unknown. How do I know that? I've been there too. I was comfortable doing things the way I had always done them. I went to the bank, I jumped through their hoops of proving I was qualified for their loan, they gave me the money, and I paid them back the way they said. . . . read more
Create Powerful Goals In 5 Steps
When you think about goals, what do you think of first? Which aspects of goals are important, which are essential, and which ones can you take or leave? . . . read more
An Easy Way To Manage Stress
We are not always able to escape our environment when we feel stressed. For some, taking a simple walk to clear the head is something that must be put off. What we all can do, though, is take a few moments to sit in our chair and daydream to melt away our stress. . . . read more
Discover The Secrets To Managing Your Mortgage Time
Twenty-four hours. Each one of us has only twenty-four hours each day. Out of that, we need to eat, sleep, take care of our loved ones, have a bit of fun, and earn some money so that we can continue to thrive. Some people manage to glide through their day, accomplishing everything they want to with time to spare. Others spend their time racing from task to task, never quite finishing one thing before being called to start something new. . . . read more
How To Prevent Procrastination
We all have a tendency to put things off for various reasons and believe me, I've been the master of this one in the past. Understanding why you procrastinate helps you to do something about it. . . . read more
Goal Planning: Set Yourself Up For A Winning Year
Towards the end of every year, most people reflect on the previous 12 months. Thoughts about what could have been and what actually happened enter their minds. Sadly, for some the gap between the two is considerable, and this reflection can become a reason to beat yourself up. Even worse, pretending it didn't happen and hope the coming year will be different. . . . read more
Setting Personal Objectives For The New Year
The end of one year and the start of another brings with it the opportunity and inspiration, for many, to consider their personal situation and plan for the year ahead. We all hope that we will end the New Year better off in our personal lives than we start it. By "better off" we may mean financially, in terms of happiness and relationships, in our careers and lifestyles; in fact, in any aspect of our lives. . . . read more
How To Keep Your Dreams Alive
How do we turn our dreams into reality? How do we step outside the circle of influence that constantly directs us? Our minds are so strongly influenced by our environment that it is easy to lose touch with our own passion. . . . read more
Setting Goals, Easier Said Than Done
The basics of setting a goal is an open secret known by top-caliber athletes, successful businessmen and businesswomen and all types of achievers in all the different fields. The basics of setting goals give you short-term and long-term motivation and focus. They help you set focus on the acquisition of required knowledge and help you to plan and organize your resources and your time so that you can get the best out of your life. . . . read more
Goal Realization: 5 Powerful Ways To Manifest Your Goals
Goals keep us motivated. But sometimes, people find it too hard to achieve their goals. Maybe because they have set long-term goals before setting short-term ones, or they did not plan their goals carefully. . . . read more
You Gotta Have Goals If You Want To Succeed
I've always found it interesting that a ship cannot be steered unless it is moving at a certain minimum speed. Those who navigate everything from small to massive ships call this "steerage." Steerage is the exact point at which choosing a ship's direction becomes possible. . . . read more
The Key To A Purpose Driven Life
Often it is true that the simple things are both the best things and also the things we seem to avoid or 'not have time for'. Here is what I do personally with great success, and also some very special and important tips that reveal why such personal time thinking sessions often do not work for people. . . . read more
Goal Setting And Obstacles Of Life
What can you do to stay on track, when life throws so many obstacles in the way? How are you supposed to keep your chin up when the economy is down? How can you practice positive thinking "under fire?" . . . read more
What's Holding You Back? Ask Questions
Did you ever ask yourself one or more of the following questions: How is life so hard to me? Why can't I succeed? Why are all circumstances against me? Why don't I have the money I want (and need)? Why do I have this boring job? Why? Why? Why????? . . . read more
Self Evaluation: You Want To Be More Than"Just Fine" Don't You?
Like every Sunday afternoon, just after a short nap, I browse on my diary and consequently make a schedule of activities for the coming week. At this time, I can't help but wonder how many other people around the world are doing the same thing.Shelves of diaries of different designs, planners of all sizes and other tools intended for scheduling purposes, are available for everyone. Surely, the importance of proper planning cannot be underestimated. . . . read more
12 Ways To Maximize Time And Life
My business experience has taught me one true thing: That maximizing your productivity, happiness, peace, or impact can best be accomplished if you clearly understand the 12 Rules of Time. . . . read more
You Can't Do Everything First
Recently, I was interviewing Paul Hartunian, the master of free publicity, who successfully juggles several very different careers. Paul commented: "People don't act, because a lot of things are in front of them. . . . read more
How To Use An Action Plan
Having a plan and executing that plan are two different things. Planning is good but it won't get you anywhere. Execution is good but without a plan, you won't get to where you want to be. I find that many online business owners tend to lean toward one and not the other. Which category do you fall into? . . . read more
One Minute To Achieving Anything
It's about that time when we start to forget what the heck we even resolved to do this not-so-new-anymore year. I see it around the office. People who had big goals, like quitting smoking, or reaching new sales levels are starting to give up. . . . read more
How To Conquer Intimidating Goals
"Oh that would be too hard for me -- I could never learn to do that. "We've all heard these words...you may even have said them yourself. Tackling new skills can feel intimidating. But we only feel intimidated because we overestimate the task and underestimate our own abilities. . . . read more
How To Set Intentions That Energize You
We've all heard how crucial it is to set intentions, goals and targets. Powerful goals electrify us. Clear intentions energize and pull us forward. Without a clearcut intention, we're reactive and don't get around to doing the important things when we want them done. Instead, we spend our time fighting random fires. . . . read more
Setting Goals That Sizzle
Do you start the year off with phenomenal intentions and suddenly find yourself facing December 31st with little to show for it? Do you have a mental wish list of things to do, places to visit, or home improvements to make that's a mile long and getting longer? Are you feeling kind of ho hum about your career? . . . read more
Why Are You Not Achieving Your Goals Successfully
Is your goal setting making you unhappy? Have you ever created a goal and got frustrated because of it? Are you trapping yourself with your goal setting strategies? . . . read more
What Is The Mature And Conscious Approach To Goal Setting?
Goal setting is often seen as the most important as well as most difficult aspect of life success, time management, and personal development. Whether we consciously set them or not, we always have goals which rise from our deepest convictions, hang-ups, beliefs, and perspectives. . . . read more
Goal Setting And Attainment
I am sure that many of you are deep into the drama and excitement of the holiday season. There is so much to be done and so much to think about and consider that many can hardly think of anything else. However, when the excitement is over, our attention typically turns the closing of one year and the beginning of a new one. . . . read more
Setting Goals For Success
It pays to learn, especially from your mistakes. The successful entrepreneur learns how to deal with mistakes every day. They look forward to the challenge. It's important to remember that they don't have to know it all. There's always someone they can go to for assistance, support, or technical information. . . . read more
As I Lay Me Down To Sleep
What do you do before you go to sleep all night? I don't mean brush your teeth and change into your nice blue pyjamas with the little white sheep on. I mean what do you do in your head? Do you think about anything specific? The next day? The day you've just got through? . . . read more
How To Create Your Dream Life
You may or may not have a set of written goals. If you do not, then I strongly urge you to make a written set of goals and clarify what you want to achieve. Whatever the case, you may be struggling with achieving your goals in life. In this article, you will learn some techniques for achieving your goals. . . . read more
Why Goal Setting Activities Are Important
Goal setting activities are crucial when you are deciding what you want your life to become many years from now. Two of the benefits you will receive as a result of defining and setting major goals in life are peace of mind and focus. . . . read more
The Law Of Attraction: More Than Goal Setting And Affirmations Alone
Did you know that every thought that we think creates a vibration? Negative thoughts create negative feelings that lead to low frequency vibrations, whereas positive thoughts create positive feelings that produce high frequency vibrations. According to the universal Law of Attraction, "vibes" attract like "vibes". . . . read more
Brain-Compatible Goal Setting: How And Why Goals Drive Motivation
It is important to write down your goals, since that action imprints them on your brain. Before writing your goals, identify what price you are willing to pay to achieve them. These may be material, emotional, or spiritual. . . . read more
A Plan Of Action You Can Put To Use Today
You have finally made the decision that it is time to make some changes in your life. You know that the only way things are going to get better for you financially, spiritually and physically is if you sit up and take action. You know you have to put forth the effort in order to reap the rewards. . . . read more
Put Your Mind And Body On Autopilot And Reach Your Goals...Automatically
Think about the habits you have now and how they affect virtually every aspect of your life. Your weight and health are determined by your eating habits. Your relationships with people are determined by your social habits. Your success at work is determined by your work habits. . . . read more
How To Achieve Your Goals Right Now
If you want to achieve the goal you've been longing to reach. Think of ways how you can cope up with the hustle and bustle of everyday life. To start with, you should know how to build a workplace relationship that will get you the assignments you want and raises you need, make your manager really like you by doing your job well, boosting the bottom line, and helping yourself looking good and contented. . . . read more
Use Coaching As A Way To Uncover Your Goals
One of the ways that you can recognize your goals and start to strive towards meeting them, is by using coaching techniques. Coaching can be essential part of communicating with yourself and the people in your life. When you enter into the coaching process you learn how to achieve success in your career and in your personal life. A coach will work with you to help you recognize, realize, and achieve your goals, expectations, and dreams. . . . read more
Be A Juggernaut Of Goal Achievement
Setting goals is one of the most important keys to achieving success. Did you know that less than 3% of people have written goals? Studies have shown that the most successful people are the ones who have specific, written goals. . . . read more
Improve Performance Through Positive Thinking And Behaviour
Positive thinking is making a conscious effort to think with an optimistic attitude and anticipate positive outcomes. Positive behavior means purposely acting with energy and enthusiasm. When you think and behave positively, you guide your mind toward your goals and generate matching mental and physical energy. . . . read more
Achieve Your Vital Career Goals With The 15 Easy Steps to Career Success
Career goal setting involves recording clear objectives and the actions required to achieve them. The main reason people do not achieve goals is that they do not set any to begin with. Use the following steps to focus your efforts and maximize your goal achievements. You can also use this process to set or team or group goals. . . . read more
How To Manage Your Goals
Outcomes are very important because regardless of who you want to be, the device of outcome is how you get become what you want to be. The way outcome works is the stronger you determine your outcome and know your outcome the more sure you are to achieve it. . . . read more
How To Build Your Goals And Stay Motivated To The End
Do your research, get informed, make your lists, but then get it going. Don't worry about it being perfect. Better to act on one good idea than to sit on 10 great ones. . . . read more
Why Sometimes It Is Better To Settle For Second Best
We all have our dreams and goals. Sometimes they are a long way out of sight and we know, deep inside, it's going to take a long time to get there. So perhaps it's best to settle for something that's less than perfect rather than struggling for something that may be unattainable? . . . read more
Goal Setting Tips And Techniques
Every person in the world dedicates countless hours to thinking of their future and their present condition in life. Most of us wish that there was something that they could change in their life. . . . read more
3 Actions You Can Take Right Now To Bring Your Dream To Light
You hear it all the time; "follow your dream", "discover your dream", "dreams do come true". The way people talk about LIVING YOUR DREAM, it's as if everyone must have one! I think they do, which means I think YOU do! So, if in fact the rather bold statement I just made is true, how do you go about bringing your dream to light? These tips will help. . . . read more
The Cost Of True Freedom And Escaping The Rat Race
What does it take to escape the rat race and make life succeed on your own terms? Do you feel like an economic slave, working to pay the bills? This ispiring tale will help put your business into perspective. . . . read more
Breaking Out Of Your Comfort Zone
Being a salesperson is never easy. To sell effectively, you must to be willing to do things that challenge you. No top producer has ever reached the upper ranks without first moving outside their comfort zone. Here are some inspirational words someone sent me. Great advice in troubled times. . . . read more