But as fate would have it, a chance encounter would set her on a path she hadn’t envisioned. “There was a guy I called on that owned a mortgage company, and he said, ‘Hey, I think you’d be really good in the mortgage business’. And you know, sometimes it just takes somebody saying something like that to you.
“I was around 29 at the time, and, intrigued, I asked him more about it. He’s like, ‘I’ll pay for your license. Come work for me.’ From that day forward, I absolutely loved the mortgage business. I’m forever grateful to this gentleman for introducing me to the industry.”
A few years into her new career, another proposition came her way. “Another gentleman there said, ‘Hey, do you want to open up our own business?’“ Floyd recalled. With a blend of audacity and faith, she took a bold step. “I went home to my husband and said, ‘Hey, honey, do you mind if I take a second mortgage out on the house?’ He’s like, ‘Go for it.’”
That leap of faith paid off. Floyd’s brokerage flourished for over two decades. Yet, she remained restless, always seeking ways to innovate and adapt. “A coach and mentor said you need to get into correspondence,” she said. That advice led her to merge her company with NFM Lending, marking a new chapter in her illustrious career.
Today, as mortgage professionals grapple with fluctuating interest rates and market uncertainties, Floyd’s perspective remains refreshingly optimistic. “I don’t consider the interest rates my biggest challenge,” Floyd asserted. Drawing from over three decades of experience, she believes the real challenge lies in mindset. “It’s keeping people positive,” she emphasized. “I educate myself. I pride myself on educating my loan officers. My agents on the rates, are what they are. I cannot change that.”
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