Last year’s circumstances initiated massive reforms to business as usual. As a result of the coronavirus pandemic, business models from all over the world were disrupted.

Whether we like it or not, change is always around the corner. Change is the basis of each of our lives. However, many people fear change and avoid it at all costs. Of course, these efforts will always prove futile since change happens no matter what. Whether you cling or let go, change will come.

Whether we like it or not, change is always around the corner. Change is the basis of each of our lives. However, many people fear change and avoid it at all costs. Of course, these efforts will always prove futile since change happens no matter what. Whether you cling or let go, change will come.

With the holiday season upon us, there’s something special in the air. The warmth and anticipation that comes along with the holiday spirit is priceless. Families, friends, and loved ones gathering, celebrating each other, and counting blessings…personally, I can’t think of anything more magical.

Even before Thanksgiving kicks off the holiday season, the November day that stirs appreciation within me is Veteran’s Day. I look around and see blessings that are ours due to our Veterans – their impact is crystal clear on Veteran’s Day. They are real life superheroes. And I’m so grateful for them.

In 2020, we've experienced significant growth. Indeed, we've had repeatedly successive months of record production. I've been asked how I knew when it was time to invest in order to be in a position to grow, perhaps because many other companies were not able to handle the demands that the market presented this year.

You learn a lot when you build a mortgage business and lead a team over thirty years of mortgage ups and downs. These years have given me invaluable lessons - not just about starting a company, but about life and teamwork, success and failure, and everything in between.