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Showing posts from 2019

My Hall Pass

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I give myself permission:

To not feel guilty if I rest. To take a day to myself every once in a while. To buy the expensive shoes.To try new things. To take the chance. To fall in love. To be scared every once in a while. To be vulnerable.To let him have the lead.To give freely. To dream big dreams and have big thoughts.To say NO often. To not work after 6. To pray. To think too much. To not buy arbitrary Christmas gifts out of obligation that get regifted anyway. To not answer the phone sometimes. To play hooky. To go hiking so that I can enjoy nature and sunshine. To workout at 5:30AM. To go on adventure vacations.To be grateful, always.To hang around strong women who inspire me.To love deeply and truly and unconditionally.To not let my past dictate my future.To walk around the house naked sometimes.To care too much about people.To drink the good wine that I love.To hang with the girls.To have a spa day.To stick up for others and even myself.To negate anyone from my life that loves d…

Is It The Journey Or The Destination That Matters?

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Is it more about how you get there? Or is it more important just to get there? My quandary for you to think about today.

I used to think it was the latter and I have been guilty of saying, “If only I could XX, then I will be happy or good.” I used to think that if I was a certain weight, looked a certain way, lived in a certain home or made this much money...accomplished this goal, THEN I would be happy. I was laser focused on the end destination so much that my tunnel vision made me miss out on something that was so much more important: The journey.

When I first started hiking, I just wanted to reach the top of whatever mountain. I was so focused on that, I totally missed all of the cool stuff I could have seen along the way. Bummer. I missed out. I know this now. I will never forget a defining moment while on a hike in Peru. My end destination was Machu Picchu. This time though, I decided to really take time to look at and enjoy everything I saw while on the 45 mile hike to get ther…

Game On!!

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It’s the day after Christmas and I am heading back to work today. Hugo just left for a one-day trip and I have just finished my coffee and my morning readings. I’ve talked to God a little about yesterday and prayed for those I love. Typical morning, in a way.

I have been thinking this morning about Christmas. All of the build-up, present-buying, self-induced stress crazy-time that we put upon ourselves is over in an instant...but the only part that really mattered yesterday was the time spent with those that I love. The smiles. The stories and the laughter.

It made me grateful for my relationship with God and how Jesus's birth was the ultimate gift. The only true gift that didn’t cost us a darn thing. But...its immeasurably priceless. (If I can be so bold to put those 2 words together!)

It made me think about how grateful I am for the life that I have and that my wish that I pray most often is for me to be a light in this world.

Sometimes I wonder how I got here...to this life tha…

How to Get Into the Mortgage Business

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I get asked this so many times, I thought that I would write about it. How did I get into the mortgage business and how does someone get into it now?

My answer, oddly enough, is much like everyone else that I know in mortgage...”By mistake.”

When I was growing up, not once have I heard anyone say, “I want to be a mortgage banker when I grow up!” I am also pretty darn sure that kids nowadays still don’t say it.

They should though...cause it is a great field to be in. You get to help people, you have somewhat of a flexible schedule, and you can make great money. We are counselors, we get to help people every day with one of the largest purchases of their lives. We get to see people’s dreams come true. We see tears (sometimes our own LOL) and happiness. Stress followed by joy. The drawback? Most of us are on straight commission...which can be scary to some folks...but not me. Having been on straight commission my entire adult life, I would never take a salary of any kind ever.

Right now,…

The Real Gift

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Good morning! It is 5am and I am sitting on my chair in front of the fire and Christmas tree at home. It is silent here and I can just hear the usual house sounds...other than that, it’s just me and the doggies up (although they are asleep next to me once again) and snuggled together. I have just done my readings and have sat here in thought and prayer. I love my mornings.

I was thinking about Christmas this year for me and how different it was compared to other years. This year was the year of charity for me. Instead of running around buying gifts for everyone I know, just for the sake of buying a gift, I didn’t do that. This year, I “adopted” a bunch of angel tree kids and helped grant their gift wishes. Gave heavily to World Vision (my favorite charity) and bought some cows and goats and part of a well for people I don’t know in a country far away. Other than that, I bought only a few gifts. It felt good.

I think that I have finally reached a point in my life where I am “over it” w…

Confessions of a News Junkie

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I used to have Fox News on my television 24/7 for many many years. I also used to be pissed off all of the time. Other stations would make me even more angry.

So much bloviating about crap that just really didn’t matter. Yes, I just used a Bill O’Reilly word. It is true though. Mainstream media celebrates idiots and give a grandstand to those that should not have one. Same junk over and over...regardless of the station that I turned too.

It scares me when I think about the amount of people who believe everything they hear on television. It is staggering. They don’t realize that most everything is tainted depending on the channel that you decide to turn to, one way or the other. Sadly, most media - I believe - is the agitator for a great divide in our country by perpetuating their own individual bias on their stations over and over and over and over again, getting more people believing what they are “reporting.” Mostly, it is all bullshit. Biased bullshit.

It also greatly alarms me tha…

The Art of Saying NO

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Saying, “NO” is empowering and it is a skill that I have really honed in on this year with some great results.

“No” sets boundaries. It allows me to finally enjoy so many more things because I am not running around doing 54,000 things I DON’T want to do...all because I said, “no.”

So many of us- especially women- feel guilty when we get asked to do something (help with something...go to an event...take on an extra project etc.) so we just automatically say, “yes” when asked, knowing full well that we don’t have the freakin’ time to do it. We are so damn tired and so "scheduled up” because of this. We end up regretting saying “yes” more times than not and then we don’t enjoy doing what we committed to and end up doing it with resentment and disdain.

I am here to tell you that everyone needs to learn the art of saying, “NO”. It is way easier than you think.

When someone asks you to do something, don’t answer right away. Let them know that you will look at your schedule. Take time t…

A San Antonio Record

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Yesterday, I quietly celebrated a victory that we had, which was closing more loans in one year than anyone has ever done in this 7th largest city in the USA. I know the year isn’t over yet...but as of last month, we still beat the old record.

We did it mostly with just myself and 2 assistants, adding an account manager (Ryan) just a few months ago. Others who have done this type of volume have teams of 15-20 or they take credit for the production of others as their own...but we still beat them. It was kind of a silent, sweet victory...mainly because it just shows what a small but mighty team can accomplish when you all have the same mindset.

What is the key to our success?

We love people. We care. We are organized. We give God the glory and keep Him at the center of all that we do. We don’t do it for the money. We work our asses off.

It is quite simple, actually.

So, thank you, Lord for the blessings that you have given us. We will continue to do Your work through us. We will continu…

When I Feel the Most Beautiful

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Every day, for the most part, I have to be on my “A-Game” when it comes to how I look. Power suit. Put together.

I get to go to galas and events where I am dressed in beautiful clothes and my make-up and hair are done just right.

You would think that these times would be the times that I feel the best about myself...when I look the most beautiful.

But it is not.

There is a difference, for a woman, between looking beautiful and feeling beautiful.

When a woman looks beautiful- in her mind- it is only the outward appearance. The superficial. The, “Yeah, I look great in this amazing dress” or whatever she is wearing. Good hair day. No pimples. Whatever it takes. On the inside though, there’s a whole different story. She could have her shit together, or she might be a mess. You won’t know that part just by looking at her.

Oh...but then there is when a woman feels beautiful. This is powerful. A whole new ballgame. This starts on the inside. It is the place where she feels the most comfortab…

Take the Scales Off Your Eyes...And See!

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There is a story in the Bible about Saul of Damascus (Who later became Paul) in Acts. The gist of the story is this: Saul persecuted anyone who followed Jesus...Jesus appeared to him in the street and confronted him...Saul became blind for 3 days...When he could see again, the first thing he did was to get baptized...Saul became Paul and became one of the greatest evangelists for Christ.

Yup. Total 180. God used him as His chosen instrument.

There is a line in Acts that says, "Immediately, something like scales fell from Saul’s eyes, and he could see again. He got up and was baptized.”

So this made me think this morning about the scales that we have on OUR eyes...and how we need to take that shi% OFF. Scales to you might mean limitations, unbelief, sadness, bitterness, negativity, mistrust, or just a general bad attitude about your circumstances.

Saul’s “scales” was his persecution of the Jews and his hatred of Jesus. When they were removed, his whole life changed...and he changed …

Your Health is Your Wealth

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I can hear my Grandma saying it to me now, “Your health is your wealth”...and dang it, she is right. Gram is about to be 90 in 2 months and she is still a firecracker even though she is slowing down a bit.

If you don’t have your health, then you have NOTHING...no matter how well off you are.

No health= No wealth.

You can have all of the money in the world...but if you are sick and can’t do anything with it, then you have nothing.

Thanks, Gram!!

Most people don’t think about how today’s actions are going to effect themselves later in life. If you don’t take the time to exercise, eat good and nutritious food, de-stress etc. now in life, how are you going to feel 10, 15, 30 + years from now? Like shit.

You have GOT to take care of yourself. You only get one body.

How do you want to be when you get old? Do you want to be fit? Able to do things? Healthy? Take those actions now to ensure that before it is too late.

Or...don’t take any action and see what happens. You won’t like it one bit.

My After-Forty Face

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Well, I should maybe rephrase that to say, “My After-Forty Slightly Botoxed Face” HA!! Anyway, it is the most comfortable face that I have worn so far, Botox and all. I have mentioned before in earlier entries, that my 40’s have been my favorite years...finally comfortable with myself in every aspect. It is kinda cool. It feels good. Sometimes, I wish that I could freeze time and stay just like I am right now at this very moment...but then I know that there are so many wonderful things that I have to look forward to in my lifetime ahead of me.

There is something amazing about a woman in her 40’s and beyond. Full of belief in ourselves, we have now experienced so many things and no longer bother getting disturbed by the mundane crap that used to plague our minds when we were younger. We’ve learned from our mistakes. We have a quiet self-confidence that makes us a force to be reckoned with.

And that is all I have for you today!



Seasons

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It is true ya know...there are seasons in life for different things, people, friends, relationships, attitudes etc. In my mind, I picture a version of myself walking forward with different people and different things revolving around me as I move forward. I take things from each person...like a lesson, a thought, a way of doing something, or something as simple as a product, from those who have come into my life and out of my life too. Each person brings a little of themselves into my life and when they exit, they leave part of themselves behind. Sometimes it is a big thing, sometimes not. It doesn’t matter. It just happens. People come in and out of your life for a reason. Some seasons last a lifetime and some seasons are over in the blink of an eye. I also believe that we don’t just have one season going on in our lives, we have several of them revolving around us at one time.

Seasons.

I used to get angry or hurt when things didn’t work out the way that I wanted them to, but I don’t…

When is Enough, Enough?

Am I the only one who wakes up singing songs or with songs in my head? A few weeks ago, for like a whole week, I woke up singing “Beautiful Loser” by Bob Seger. Today’s song is from Kanye West’s new Album, "Jesus is King”...there is a song that is called, “Follow God”. The lines that I woke up to (in my head) says something like, “I am just trying to find, I’ve been looking for a new way, I am just trying not to do the fool way...Father I stretch my hands to you.” Pretty freakin’ amazing that God is using Kanye like he is. I hope that he continues to do so because it is amazing.

I actually started writing the above yesterday and woke up with yet another Kanye West song in my mind LOL...Today’s is “God Is”...another amazing song that talks about how letting God into your heart change your life.

Anyway...back to the songs that play over and over in my head in the morning. I know that they mean something...or I can make them mean something. I am not sure. All that I know is that I c…

Why it is Important to Just Be Myself (And YOU, Yourself)

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Let's face it, most bankers and mortgage are stuffy and "stiff" for lack of better words. It is just that way. I don't know why exactly. It must be something that we somehow learn and becomes a right of passage in our industry. Maybe it is the money, maybe it is the "power". Don't know. All I do know, is that when I am in a room with a bunch of bankers and mortgage people, the average temperature in the room goes up about 50 degrees because of all of the "hot air" spewing from everyone's mouths LOL.

Anyway...I just totally made myself laugh right there.

A lot of mortgage bankers have a "God complex" where they see themselves as untouchable. Especially the ones who do really well (or think they do really well)....That just doesn't sit very well with me.

It is intimidating for a lot of people to apply for a loan. Think about it...the Loan Officer is about to know every freakin' detail of your life. You are just putting it a…

Thankful for the Scars

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I have a lot of scars. Both on my body and in my mind. I used to hate them, but now I am thankful for  them.

There is a song that is out right now called, “Scars”.... and its says...

“So I am thankful for the scars,
because without them, I wouldn’t know Your heart,
and I know they’ll always tell of who You are,
So forever, I am thankful for the scars.
Now I am standing in confidence,
With the strength of your faithfulness,
And I am. not who I was before,
I don’t have to fear anymore.”

My goodness that song is so beautiful and has become sort of a theme song for me.

So just think about this...think about your scars...mental and physical. Think about how, when you were going through whatever it was, how badly it sucked. Yeah, I know. But, here’s the cool thing...God was with you the whole entire time. Right next to you...holding you. You just had to open your eyes and heart to see and hear and feel Him.

At this point in all of our lives, we ALL have scars, shame, doubts...but the one th…

What The Heck is APR, Anyway?

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Well, maybe my clients don’t exactly frame it that way, but that is what everyone really wants to know....deep down inside. I know that you are brainwashed to believe that APR is the only thing to look at. Guess what, though? It is not.

APR is basically the cost of a loan over time. It incorporates the interest rate of the loan into a calculation along with certain loan fees like: origination and discount points, lender fees like processing and underwriting, prepaid interest, title fees, mortgage insurance, funding fees etc. etc.

The original intent of APR calculations were to help consumers see which loan is actually better for them when they are shopping and to show consumers the cost of the loan as a percentage over time.

Then there is the interest rate. This is just the "plain old rate” that you have where your mortgage payment is calculated upon.

Did you know that a loan with an interest rate of 3.25% can have the same APR as a loan with an interest rate of 3.50%? Say what??…

#PowerWomen

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Today is a tribute to #Powerwomen. I happen to know quite a few of them. They are amazing.

Here’s to the women who kick daily ass. Who don’t take shit from anyone. Who work their butts off. Smart. Successful. Beautiful. Strong. Funny. Wise. Incredible. Sacrificing.

Here’s to the women who not only do all of the above, but also take care of their families, children and friends and yet somehow through all of this, still make time for each other.

Sometimes I wonder how my friends do it. It’s amazing...how do you get it all done? You are a powerhouse, a mom...and yet you make it look so effortless, but I know it is not.

Thank you, my friends, for being such a good (and bad too, but in a way fun way!! LOL) influence. For driving me to do better. For calling me on my BS. For listening when I need you. For encouraging me never to give up. I love how we can talk about anything and everything and we don’t get offended or hurt. We are just real. No drama. We don’t get our feelings hurt if som…

Discipline

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Truth is I don’t always have the motivation to go to the gym 5 days a week. 
Truth is I don’t always have the motivation to wake up early every single day. 
Truth is I don’t always have the motivation to stay late and do more than necessary to close every single deal. 
Truth is I don’t always have the motivation to go above and beyond for every single one of my clients. But the real truth is this…
I don’t rely on motivation to do any of those things. 
I rely on my discipline. 
I have taught myself to show up every single day for myself and clients not because I am always motivated to do it…
But because I am a professional. 
You see motivation will fail you.
But discipline…
Discipline is a quality that when you master it will never fail you. 
So next time you “Don’t feel motivated” to do something…
Smile and know that if you train it discipline has you covered :).


What I Will Miss About Right Now...In The Future

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I have these question cards that I buy off of Amazon...they ask you random questions in order to get you thinking. I use them for journaling a lot. I just write down random things. Sometimes the questions are profound and sometimes they are stupid questions like, “Have you ever seen an alien?”
The answer to that one is NO.

Anyway, today’s was one of the ones that make me stop...think...appreciate and savor that very moment.

I was sitting on my chair that I sit on every morning when I read/pray/think/blog. I had my comfy slippers on. Fireplace on. “Secret Garden” music on all throughout the house. A blanket over my legs. Bella was snuggled up in a ball next to me...and Muffin was poking her head through the back door...just peering but not pushing it open because she wanted me to do that for her. Total f-ing PEACE. Oh my goodness...such a great snapshot in my mind.

This is what I will miss. The girls...Bella and Muffin and the love and joy that they bring to my life every single day. I…

Being Brave

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Lately, I have made it a point to talk to women I meet about their goals, aspirations, career choices and things like that...and there has been one common theme that I have heard over and over again...

“I really want to do XXXX, but I am scared of failing.”

or

“It is my dream to do XXXX, but what if I don’t make it?”

So, instead of “going for it”, they just stay at their current mundane job that they hate because they are too scared to follow their dreams for fear of failing.



Since when is failing a BAD thing? In life, I have learned way way more from my failures than I have my successes. Failure does not have to be a bad thing. It just means that I tried...and maybe learned that what I once thought I wanted, really wasn’t for me...or I realize that next time when I try a certain thing, I will do it a little differently. Failing is a GOOD thing. Trust me.

Yeah, it is scary to take that leap of faith doing something you believe you were meant to do...but dammit ladies...you won’t know …

Praying in an Uber

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God has an interesting way of putting everything in perspective sometimes. Yesterday’s “God Moment” was in my Uber ride.

My teammates and I went to a gala yesterday evening and I decided to Uber there. I got into the back seat just as I have done so many other times. I tried to make some small talk, but I noticed that my driver, hardly spoke English. I even embarrassingly made a text comment to my staff that, “My driver doesn’t speak English”...literally 1 minute after that, everything changed...so read on.

Something inside of me started to take notice of everything in her vehicle.

She had a handicap placard hanging on the rear view mirror. She had a crucifix sitting on the shelf by the dashboard. She had what appeared to be a rosary wrapped around her left hand.

So, I decided to ask her about it. Indeed it was a rosary wrapped around her hand.

And that is when she came alive...

Immediately, she was excited and showed me her rosary and then pulled out one made from rosewood that she …

Tithing and Giving Money Away

There is something so very amazing about “energy” in the world. I have experienced it when I have had reiki, when I have practiced speaking things out loud and most importantly,  have experienced it in blessing others through tithing/charity/helping others.

Let me tell you how this works...

One of the greatest lessons that I have learned is that when I give to others, the world somehow gives back to me. Big or small...when you do things for other people, good things happen to you. When I first started giving, sometimes it hurt...it put me in a bind...but somehow, I notice that really I was always OK. Now I am perfectly fine with giving “until it hurts” because I know that everything will work out in the end.

I think back to times when I have gone out on a limb and have given someone my last $500 bucks...only to receive a surprise refund in the mail from a credit card that I had unknowingly overpaid. This has happened every single time. God takes care of me in some sort of way...it’s j…

Goals for 2020

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I don’t ever make New Year’s Resolutions...I make a “Shit I Wanna Do” List because, well...its more fun. I find myself looking at my list and smiling because someone them are funny and some are serious. I hang it in a spot in my closet that I can see everyday when I go in there. The good thing about having a “Shit I Wanna Do” list vs. a Resolution list is that if I don’t get to do them, it’s all good and I feel no pressure. After all, it's just stuff I would like to do.

This year’s list had things about how much money I wanted to save, places I wanted to go and ended with “make some damn banana bread with all of those bananas in the freezer “. I still have NOT made the banana bread however I have added more bananas to the never ending banana collection in my freezer. Sometimes I wonder if I am the only one who has like 20 bananas in her freezer, but I think surely not. I still have a good solid 2 months before my time is up...I guess it could just go on the 2020 list.

I saved what…