Well, two bad ones. And one really good one.
When my husband and I bought our first home in early 2013, we met with three lenders.
The first one pushed us into an FHA loan because of a credit problem I had accidentally caused myself. I paid off old collections that should have been left alone, and it tanked my husband's score so badly he couldn't be on the loan at all.
The second one barely looked at me. He directed every word to my husband.
The third was a woman mortgage broker who listened. She structured an 80-10-10 that fit our situation and explained it in a way that actually made sense. When I called her out on a rate that had moved an eighth of a point between Friday and Saturday, she leaned back in her chair, folded her hands and said:
She let it hang.
And I thought: You're not.
That was the moment. I knew right then I would be really good at this. I took my first wedding anniversary off work and sat through six straight days of licensing classes. At the end of every day, I fell more in love. Licensed November 2013. Official April 2014.
I was under 30 when I got my license: a young woman in Houston, Texas, trying to be taken seriously in a competitive market. My daughter was born in October 2015, and people told me my career was over before it started.
It wasn't.
Then my husband went through an 18-month career transition. We got down to less than $2,000 in the bank with no way to pay the next month's bills. I call it my humbling season, and I'm grateful for it. It's a beautiful chapter in my story.
In August 2017, my father died unexpectedly, the same day Hurricane Harvey hit Houston. I stayed in Louisiana with my daughter for six weeks while two other families sheltered in our home. Grieving. Lying in bed. Scrolling Facebook.
In a large online community of real estate agents, people posted every time a lender let them down. So I started answering. Showing up. Explaining what I would have done differently.
Before long, I was invited into a private group of top-producing women agents from all over the country, as one of only a couple of lenders in the room. We got real with each other, and those friendships turned into referral relationships.
I built my own marketing funnel from scratch and closed a loan for an agent's database without ever setting foot in their state.
One mega agent got fed up with her lender and tagged me online. She moved her entire pipeline to me before we'd ever met in person.
I don't guide clients through anything I haven't done myself.
In 2021, my husband and I were house hunting all over the country. Tucson. Raleigh. Nashville. Cincinnati. On our third Cincinnati tour we were standing inside an 1883 house when Jonathan looked at me and said, "Every house we look at reminds me of New Orleans. Why are we not looking there?"
Because I'm a sixth-generation New Orleanian who didn't realize we could move back home before retirement, that's why!
Real talk: we'd been circling New Orleans for a long time. We just hadn't given ourselves permission to want what we actually wanted. By the time we finally said yes, we had two weekends to find a house. We went under contract the exact weekend rates spiked in June 2022.
Everyone said we should wait. We didn't. Like I always say, life is going to life, and the market's going to market. The right time to buy is when it's right for your family. For us, that was before our daughter started first grade. She's had four Mardi Gras seasons now because we weren't scared of a rate closer to 7% than 4%. And she gets to grow up knowing what it means to be The Seventh.
My only regret? Not the city. Not the house. Not the rate. It's the years we spent waiting for permission. If you already know what you want, you don't need a "perfect" market to give it to you.
More than four years later, we're still here and still building. In March 2020, my mortgage production let my husband retire. I built this business out of a grief fog, a Facebook group and a funnel I made myself. And I'm just getting started.
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