Saturday, December 30, 2006
During a few phone conversations over the holidays, I noticed it was a bit different this year. Since I no longer own and operate a mortgage business (see November posts), that topic of conversation has ceased to exist, especially for relatives whom I speak to infrequently. No polite questions about how my loans are going, how business has been, or thoughts on the housing market in general. My current job as a care provider is almost too weird for people to ask about, reminding me of when we moved to Floyd the summer of 1999. Family members latched onto the fact that Floyd is a one stoplight town (that's it in the photo). They asked the same questions "Is there a grocery store?," "Where will you work?," or "Why do you want to live there?" It's no different now--only people aren't sure what to ask about this strange and wonderful job I have taking care of a live-in client, so they ask "How is it going?" or nothing at all.
How many of us have had a job that defined who we were or became our identity, at least in part? That is what happened with me in the mortgage business. I had a job as a mortgage broker, but it wasn't who I was. Yet 90% of the conversations I had with people in town or with family started with "How's business?" or "What are rates doing?" I know they meant well, but it always bothered me. Thankfully, I'm still me under the care provider hat. It's the only job I've had where I feel like my title isn't stamped on my forehead. Since shedding the mortgage broker skin I'm rediscovering who I am, and as corny as this will sound, I'm settling into being myself. This coupled with a light-bulb-on-over-the-head realization that I continued to evolve during my decade as a mortgage broker--despite it all.
I love this time of year...welcoming a fresh start full of hope and promise. Interesting and exhilirating discoveries lie ahead. I hope you are as ready as I am. Ready for snow and all things good, from Floyd County....
Saturday, November 18, 2006
Friday, November 03, 2006
I didn't like the direction the industry went the last several years. I thought ARMs (adjustable rate mortgage), Option ARMs and Interest Only loans were wrong for most consumers and only did one ARM loan for a Borrower. Period. Next year a million ARM loans will be reset to reflect today's interest rates and we may have interesting results...but I’ll step off my soap box.
Three years ago I decided to become a Foster Care Provider for Wall Residences, LLC. We built an addition to our home in 2004 and my husband and I took classes to be licensed. I provide training and support for an adult with a physical and/or intellectual disability. When our first client moved in August 2005, I initially thought my mortgage business would close by year end. We quickly learned the importance of the right match--and were thankful when our client was relocated in October, six weeks later. I made a half-hearted attempt to plod on; I advertised and told everyone that I was still doing loans, but I was miserable. My negative energy must have transferred to my business because I had a slow year.
Our next client moved in last June. We had met him prior to meeting the client-that-didn't- work-out and felt instinctively that he was the one, but then had to wait until he was ready. We are several months into a positive, long-term working relationship. This job is far more rewarding to me than doing mortgage loans was and it’s a step in the right direction--to soothe my soul. It doesn't hurt that I earn a monthly paycheck--which is a welcome breath of fresh air.
I’m settling into and accepting my decision to close my business. More than anything, I feel relief. I’m moving forward. I don't know when the next open door will appear; but I'm older and wiser--let's hope--and have finally learned that it's time I pursue my deepest interests while I also allow myself to just "be," an important part of the process and a bit new to me. One day down the road I may start a new business, but as of October 31, 2006, the Mortgage Broker door is shut. Closed. Finis. I'm not open for business. Wahoo!
Tuesday, September 05, 2006
Monday, September 04, 2006
What to call my blog? Everything Blue Ridge Mountain related was taken and as the title suggests, I don't have a niche. I have a scattered, unfocused life (for now), and though I'm making progress on my path towards future career passions (call me a late bloomer), that's a subject for another day. It was my husband, Scott, who came up with "In Search of My Niche," but I didn't fill out the form correctly, got interrupted--and another month went by. Meanwhile, my husband beat me to it and began his blog--darn him!
I'm not sure if DCRW will be a keeper, but it gets me out of my rut and allows me to begin. Here's to starting something new, to be celebrated shortly with a few nibbles of dark chocolate on this chilly, rainy Labor Day, and followed by a glass of red wine later this evening. It's my comfort, my therapy, at the end of 'one of those days' and propels me further on my path in search of my niche.