Business is booming.

Broker thrives after overcoming market downturns

That perked the regional manager’s ears up. Not wanting to lose such a good prospect, the manager suggested she enroll in Xinnix, a mortgage education academy based in Atlanta. Once she fulfilled the training, the company would pay off her $10,000 tuition after reaching certain production levels six months into the job. “I chose that option,” Hardy said. “I bet on myself, and it really paid off.”

What happened with the mortgage meltdown of 2008?

Between 2004 and 2013, she worked at the now-defunct CTX Mortgage and George Mason Mortgage. But early into her second career, the mortgage meltdown emerged. “I was number seven in the nation my first year as a loan officer,” she said. “And as far as rookies go, I was the only top rookie in the country for Virginia. I was used to being at a certain level and then when the mortgage meltdown hit, I was kind of like, ‘you know, this sucks. This is not cool; I don’t like this’.”

Yet the timing, for her, turned out to be fortuitous. As mortgage lines died on the vine, she experienced birth – that of her two boys, now 15 and 16.

Which is not to say the period was without challenge. “We literally had loans that were supposed to close that week and the banks shut down,” she recalled. “That was a challenge to get through mentally.” As for the arrival of children: “That actually timed really well with the mortgage meltdown,” she noted. “I was able to stay home.”

Unfortunately, she was on doctor-ordered bedrest while pregnant. “I was on the couch, working,” she recalled. But she sees the silver lining in that as well: “That really was a positive thing for me, because I never went to an office after that. I learned how to get very efficient and work from home. I was not tied to an office and got really efficient. I took advantage of it because I had two little ones; I took the time to just chill out.”

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