FLORIDA MORTGAGE 12-13-21

FLORIDA MORTGAGE EDITION

WHY

5 Things You Can Do to Achieve Your Biggest Goals Emotional Fluency: How to Communicate with Clients When Tensions are High

DOESN’T TRAINING WORK FOR YOU? How to Cut Down on

DIGITAL DISTRACTIONS and Up Your Productivity

TOP MORTGAGE LENDERS

COVER STORY

ANTHONY ANGELILLO

DANIELLE DAMIANOV JORGE MAGANA JAMIE NOWIK

FLORIDA MORTGAGE EDITION

JORGE MAGANA DANIELLE DAMIANOV

Born in El Salvador and raised in Florida, our team believes in bein ith more than 20 years of comshe remains focused the on day, the proven workJorge Magana and efficient for our 7 has always been passion15 20 23clients while m JAM ience in the mortgage and real flow that has anchored ate about real estate. Upon graduating sureher theyaccomplished get exactly what they wa ries, Danielle Damianov career. “I’m proactive, not reactive,” she from thebegan University of Central Florida An atte withtoa Florida Bachelor of Science and Finance, When he’s serving clients, Jor oon after relocating says. “Customer service is notextremely plenty he accepted a position with an esteemed his team also contribute to their fter accepting a position as a important to me. When assisting clients, marketing company, where he began to try, serving in the Florida Asso for an area lender,take sheanhad an I make sure the process is as efficient anddrive, J interest in the mortgage industry. of Mortgage Professionals chap helping to learn the housing seamless as possible.”Central Florida. At home, Afterbusiness earning his license in 2005, he prohe dream o ceeded author an accomplished career spending quality time with his wi ound up. From there, shetowent in mortgages, family, is mountain or Form O h her own mortgage company,building a network of satOutside her career, Danielle deeplybiking, com-1999. isfied clients and referral partners that racing.

JORGE MAGANA NOWIK came a top ANTHONY producingANGELILLO real estate DANIELLE DAMIANOV mitted to her community,JAMIE having previouslyprestigi ANTHONY spans his home state. In 2018, however, her kno region.ANGELILLO Upon moving back toto take his work to the next served in the Miami Leadership Jorge decided With his teamAcademy having completed lorida in 2016, though, she foundup with Eric Coleman to launch with Greater Miami Chamber ofto start level, teaming Floridathe100 loans in 2020 alone, Jorge has exciting pla Home Loans.for Themortgages rest is history. Commerce, and the Bonita the future ofishisnow business.

With Florida and HomeP ning to her lifelong passion Springs-Estero the Leadership President on the verge of completing construction it clients realize their goals in the marketplace. Academy. Elsewhere, she is BDE ChairMortgage of the (Best YoungDayonEv Today, Jorge is the Co-Owner of Florida Home Loans, offices, he intends on adding to his team while CONTENTSNetwork Professionals for the Bonita Springs Estero where he leads an elite team to assist clients throughout ing the culture of boutique service to meet the ne elle is a Sales Manager withInCMG Financial, of has Realtors.

VotedWith Educator of the Year twoIndecades of experie Florida. the years since startingAssociation out, their office his growing clientele. the meantime, though ads an elite team to assist clients all throughout by the Bonita Springs Estero Association of Realtors, grown to include eight expert loan professionals, all of excited for the new clients and opportunities tha guides clients and helps them 4) WHY DOESN’T TRAINING 16) EMOTIONAL FLUENCY: possess the expertise, compassion, and integrity on the Florida “Because of my backgro lorida. Licensed inwhich Florida, Massachusetts, Danielle also teachesTO leading edge courses in bestcoast. suited tobusiness their needs.

WORK FORto YOU? HOW COMMUNICATE needed complete any transaction. finance, I have always loved working with the nu California, she has combined her decades planning at the various brokerages surrounding SW match customers with themorr WITH and CLIENTS WHEN navigating transactions,” he says.

“But ce with her13) penchant for client service to Florida.

On top of launching a successful education HOW TOHome CUTLoans, DOWN At Florida Jorge is there for his clients anything, I enjoy the who one-on-one wi Clients workinteraction with Jam TENSIONS ARE HIGH mands of any transaction. platform, the Believeclients.

LearnForAchieve she hasmore each step DISTRACTIONS of the way. Well-versed in Conventional, me, theresystem, could beapproach nothing ON DIGITAL personalized to rew cus FHA, and VA, and many other proven loan packages, than seeing themUnlocked, acquire theirindream home and written a book, Real Estate Secrets which ple I work with AND UP YOUR PRODUCTIVITY 21) YOU CAN DOappreciate my he caters approach to their best in 5 THINGS within our approach community.” nancial, Danielle offers a his suite of lending sheinterests. detailsFluent her compassionate to the business I promise.

When I say I’m g TOofACHIEVE YOUR BIGGEST both English and Spanish, he maintains open lines uding Conventional, FHA, VA, and Jumbo for any aspiring real estate professional. communication throughout the transaction, ensuring his say that with certainty. It all c GOALS ges. Moreover, sheclients can make equip her clients fully informed decisions on their financial the right questions to ask, and lty products, suchfuture. as CMG Financial’s nothiswith clients or giving back, Danielle In fact, he prefers to keepWhen in touchshe’s with all need to be able to uncover a clients and partners long after the deals are done yoga, or spending ofessional Loan Program, orreferral its innovative enjoys travelling, quality time with that might and make to cultivate a lasting relationship and provide ongoing Loan Program, which allows clients to pay her husband and two children. Looking come ahead,upshe support whenever he is needed.

Phone | Fax 310-734-1440 me in half the time310-734-1440 while saving thousands also has strong plans for the future of her business. As Thanks to her interest—all without changes her volume maintains its steady growth, shesteadfast intends work e mag@topagentmagazine.com | www.topagentmagazine.com Overmaking the years,any Jorge has earned a fantastic reputation several awards for being a top Florida, with vastmanner majority of hisher vol-model ment structure.

Butthroughout matter what, shethe is on scaling of ofhands-on service No portion of no this issue may be reproduced in any whatsoever without prior consent the publisher. Top Agent while coming from referrals. hisAlthough team ofprecautions mortgage reach Magazine published

by Feature Publications GA, Inc. are taken to ensure managed the both accuracy ofto published r clients each stepisume of the way, catering herWith expanding her reach throughout Florida and an theall-time experts a perfect, 5-star averageforonopinions Google, he materials, Top Agent sporting Magazine cannot be held responsible expressed or facts bymore its authors. production andJorge ledand her team Tosupplied learn about Magana their best interests. nation.

“Trying to get a mortgage can be difficult To subscribe or change address, send inquiry to mag@topagentmagazine.com. remains committed to the unmatched standards of client email tionjmagana@floridahl.com, year over year, even in sometimes scary,” Published in the U.S.that have truly set him apart service in the region.

“Our Danielle says. “Oftentimes, I’ll be floridahl.com or call 637-53 visit have pandemic.

Aside from ears, Danielle has average earnedclose a fantastic who been denied by (407) other offerin rate is 21 repdays,” heworking says. “At with the endclients of such asTop conventional oughout2 Florida, with the vast majority lenders. For me, there’s nothing more rewarding thanand FH Agent Magazine Copyright Certified Veterans me coming from referrals. Having com- helping people who have nearly lost the dreamTopLending ofAgent Mag www.

mailto:mag@topagentmagazine.com http://www.topagentmagazine.com

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Why Doesn’t Training Work for You?

by Carla Cross

Why isn’t your training working for as a ‘performance art’, not a you? Every company says they ‘knowledge pursuit!’ ‘have training.’ Yet, whether you’ve been in business 2 days or 20 years, Big question for you: Think of your you’ve probably felt frustrated that last 3 trainings. What were you doing those hours spent in class—listening in class? Listening to the ‘expert’? to someone at the front (the Or, were you putting to work what ‘expert)—didn’t do you any good. you were learning—while in class, There’s one reason training doesn’t so you could get valuable feedback work—and here’s how to make it before you ‘practiced’ on real work for you, so you don’t waste people—your clients? precious hours in training rooms.

What you need to be doing in class Training doesn’t work because it’s to assure you can do it ‘for real’: not taught right—and the people in the class aren’t doing what needs to • If it’s appropriate, you need to role be done for training to make a play (like answering objections, giving a listing presentation, etc.) difference in their lives.

Here’s what training needs to help • If appropriate, you need to you every time you’re in class: differentiate (like finding mistakes in a purchase and sale agreement).

Training must have action inside class to be effective for you.

• If appropriate, you need to practice the actions in class and then What do I mean? go out and do it with a ‘real person’—the client—and come back I mean we have to look at real estate and tell how it went (practice a 4

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listing presentation, do it ‘for real’, Real Estate: Performance Art and come back to class and refine it). or Knowledge Pursuit?

None of these things happening in class? Make it work anyway. Take the ‘actionable’ items you learned in class and go do them—for real— within 3 days of going to class (otherwise we only remember 10% of what we heard!). Now you’ve made your own action plan.

Trainers: I just videos showing training work. uTube channel.

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Let’s be honest: Do you know someone in your office who seems to know everything—but doesn’t sell a stick of real estate? Sure.

That’s the problem with treating real estate as a ‘knowledge pursuit’. It has little to do with results. It’s a performance art. How you perform in the field—with real clients— did a series of 5 determines your success. how to make your See them on my Big question for you: Which kind of agent are you? A ‘performance art’ 5

How you perform in the field—with real clients—determines your success. agent or a ‘knowledge pursuit’ agent? Which is easier to become?

Your Training Should Resemble a Piano Lesson

will ‘do it’ for you 3.Relying on ‘on demand’ video.

Many large franchises are providing video on demand training. Brokers may be relieved that this is going to take training off their plates. I wish.

Unfortunately, video training can provide very limited production results. Why? Because people don’t learn much by watching video. Yes, they learn a little. They observe someone else doing something; they get information. But, they don’t have to take action.

As a long-time pianist and teacher, I know intimately that, if you don’t practice, you can’t play (or you play badly)! Think of effective training like a piano lesson. You practice outside class. You come prepared.

You get tips and modeling from your teacher. Then you practice in class with your ‘coach’ watching and listening. Then, you ‘go out in the field’ and practice. You come back When you’re ready to get results ready to perform for your coach from your training, you’ll be ready to treat your training like the power again. That’s effective training. tool it really can be.

Here are 3 things that don’t work in training (and things for you to avoid): Carla Cross, CRB, MA, is an international 1.Listening for a long period of time and thinking you can do it (you already know that, from your experiences, right?)

2.Thinking most company training 6

speaker and president of Carla Cross Seminars, Inc. and Carla Cross Coaching.

A former national Realtor Educator of the Year, Carla is known as one of the ‘go-to’ experts in her profession. She’s written training and coaching programs for most of the major real estate franchises.

Contact Carla at 425-392-6914 or www.carlacross.com.

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ANTHONY ANGELILLO

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ANTHONY ANGELILLO “The mortgage industry doesn’t always do a great job of making itself approachable, so I’ve taken it upon myself to do just that, and I think people really appreciate it.”

20 years ago, Anthony Angelillo moved to Florida to start his illustrious career in the mortgage industry. An inspired entrepreneur, Anthony has been able to enact his dream of streamlining the industry through the use of automated technology 8

to educate clients and get them to the closing table in a timely manner. He is a Branch Manager in Miami Shores, and with the help of his Team, Tag Team, he offers personalized, informative service to clients across Florida.

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Anthony understands the importance of ensuring his clients know how to find success within the mortgage sector. By implementing intake forms to gather information from clients (primarily through high-quality video content), Tag Team Nation has the ability to use that information to offer the clients a “Road Map to Homeownership®”. “Our proprietary workflow really makes the process easier to handle for a lot of people,” Anthony says. “The mortgage industry doesn’t always do a great job of making itself approachable, Top Agent Magazine

so I’ve taken it upon myself to do just that, and I think people really appreciate it.”

Anthony has worked hard to help people, and it shows in his business: he gets nearly 90% of his business from word-of-mouth referrals, and his level of client satisfaction is incredibly high.

When it comes to interacting with his clients, Anthony keeps things straight to the point and delivers information to his clients in a prompt and honest manner. “When you work with 9

my branch, there’s no runaround or smoke and mirrors. What you see is what you get,” Anthony says. “The level of transparency we employ is incredibly important in making clients feel at ease and empowering them to make the best possible decisions for themselves and their families.” Offering clarity and direction on a grand scale is Anthony’s MO. He did $60M in total volume last year and with his technology expects to produce at a higher rate in the years to come.

Anthony was awarded Miami’s Top Loan Officer of the Year and featured in Scotsman Guide in 2018, 2019, and 2020 for being one

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of the top 1% of originators in the nation. He is the co-host of the award-winning podcast, Damage Control, with Melinda Grimaldi,1 wherein they have discussions on a number of topics with a variety of guests within the world of real estate, all of which help educate Realtors on the best practices to improve their business.

Being raised in an Italian household,

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Anthony has brought a lot of his culture to his business. Family, Loyalty, and Respect are the main reasons that Anthony has set himself apart from the rest of the competition. In his free time, Anthony enjoys living in Downtown Miami with his fiancé, Kristy, and his dog, Beast. He lives an active lifestyle – he is a marathon runner and a firm believer in the power of exercise and eating clean. A lover of cooking, traveling, and

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reading, Anthony is always trying to expand his entrepreneurial mind.

Anthony got into the mortgage industry primarily as a method to help people - he believes every family has a shot at achieving the American Dream and prides himself on providing a “TAG TEAM” approach by

working cohesively with Realtors, buyers, listing agents, and title agents. If you’re looking for a Mortgage Officer in Florida/ US who excels at coming up with effective solutions specific to his client’s needs, look no further than Anthony Angelillo!

Let’s TAG TEAM This Deal®

You can contact Anthony at (860) 462-7737 or TagTeam@TheAngelilloGroup.com. Visit his company website tagteamnation.com for more information. www.

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How to Cut Down on Digital Distractions

and Up Your Productivity As a real estate professional, staying tethered to your phone and computer are likely par for the course. When your office is on-the-go and you’re fielding round-the-clock questions from clients, it’s only natural that you’ll be drawn to your phone for professional updates. From refreshing your inbox and engaging with clients on social media, to drafting email blasts and coordinating with colleagues by text message— Top Agent Magazine

it can feel impossible to untangle yourself from the worldwide web.

As a professional, you may not be able to withdraw from the digital world completely, but there are a few techniques you can use to limit your extraneous digital distractions and streamline the time you spend online. After all, it’s entirely common to faithfully begin one task and then

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get unexpectedly drawn down the digital rabbit hole. To save yourself time and virtual burnout, here are a few ways to unplug, recharge, and make the most of your time online and off.

Focus on one digital task at a time.

While multi-tasking may seem like a sound approach to productivity, this method usually results in surface-level progress across a few tasks, rather than reaching the finish line on any.

Instead of opening multiple tabs and trying to do it all at once, hone in on one digital task at a time. Have emails to return? Allocate an hour to work exclusively on this to-do list item. Need to post a new blog entry? Pencil in a dedicated half hour. If you focus on one task a time and exclusively devote your energy and productivity to it for a set period, you’ll make a far bigger dent in your list of duties for the day.

Give yourself a curfew.

In the real estate business, the hours may seem never-ending, but if you don’t want to slow your productivity with fatigue, you’ve got to set some boundaries. Try setting up a digital curfew for yourself and put your phone away after a certain hour. Devote an hour or two before bedtime to time away from your computer and your phone—read a book, prep your lunch for the next day, or try a round of mindful meditation. Carve out space and time to disconnect from your technology and stick to the habit. By morning, you’ll be refreshed and ready to dive back in.

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Mute social media notifications and create dedicated check-in times instead.

Instead of taking a reactionary approach to social media—waiting for the dings and pings that lure you back to your screen—try muting some of your social media alerts and instead dedicate three timed windows per day to check-in on your timelines and engagement. If you’re constantly interrupted at unexpected intervals when someone likes a post or leaves a comment, your whole workflow can be derailed. Instead, unchain yourself from the instant gratification of responding to every buzz and beep your phone emits. Systematize your professional social media life and you’ll stay organized and on task.

Keep your inbox organized.

While it may take some time and effort to create a sorting system for your email inbox, it can go a long way to limiting distractions and stress. Create folders and an organizational flow and every communication will have a place and a priority.

That way, when you open up your inbox and have to go digging for old emails or exchanges with past clients, you won’t have to waste time sorting or feel overwhelmed by the clutter. If everything has its place, you’ll have an unobstructed, streamlined canvass to conduct business from.

Digital distractions don’t have to derail your day or sap your productivity. Email, internet, social media—all are tools to be commanded. With the right planning, understanding, and consistent execution, you’ll be able to wield the power of each without the downside of distraction.

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DANIELLE DAMIANOV Equipped with more than 20 years of combined experience in the mortgage and real estate industries, Danielle Damianov began her career soon after relocating to Florida in 2001. After accepting a position as a loan officer for an area lender, she had an opportunity to learn the housing business from the ground up. From there, she went on to launch her own mortgage company, and later became a top producing real estate agent in the region. Upon moving back to Southwest Florida in 2016, though, she found herself returning to her lifelong passion for mortgages and helping clients realize their goals in the marketplace.

Today, Danielle is a Sales Manager with CMG Financial, where she leads an elite team to assist clients all throughout Southwest Florida. Licensed in Florida, Massachusetts, Illinois and California, she has combined her decades of experience with her penchant for client service to meet the demands of any transaction.

At CMG Financial, Danielle offers a suite of lending options, including Conventional, FHA, VA, and Jumbo loan packages. Moreover, she can equip her clients with specialty products, such as CMG Financial’s Medical Professional Loan Program, or its innovative All In One Loan Program, which allows clients to pay off their home in half the time while saving thousands of dollars in interest—all without making any changes to their payment structure. But no matter what, she is there for her clients each step of the way, catering her approach to their best interests.

Over the years, Danielle has earned a fantastic reputation throughout Florida, with the vast majority of her volume coming from referrals. Having completed over $30 million in volume in 2020 alone,

she remains focused on the proven workflow that has anchored her accomplished career. “I’m proactive, not reactive,” she says. “Customer service is extremely important to me. When assisting clients, I make sure the process is as efficient and seamless as possible.”

Outside her career, Danielle is deeply committed to her community, having previously served in the Miami Leadership Academy with the Greater Miami Chamber of Commerce, and the Bonita Springs-Estero Leadership Academy. Elsewhere, she is Chair of the Young Professionals Network for the Bonita Springs Estero Association of Realtors. Voted Educator of the Year by the Bonita Springs Estero Association of Realtors, Danielle also teaches leading edge courses in business planning at the various brokerages surrounding SW Florida. On top of launching a successful education platform, the Believe Learn Achieve system, she has written a book, Real Estate Secrets Unlocked, in which she details her compassionate approach to the business for any aspiring real estate professional.

When she’s not with clients or giving back, Danielle enjoys travelling, yoga, or spending quality time with her husband and two children. Looking ahead, she also has strong plans for the future of her business. As her volume maintains its steady growth, she intends on scaling her model of hands-on service while expanding her reach throughout both Florida and the nation. “Trying to get a mortgage can be difficult and sometimes scary,” Danielle says. “Oftentimes, I’ll be working with clients who have been denied by other lenders. For me, there’s nothing more rewarding than helping people who have nearly lost the dream of home ownership turn a ‘no’ into a ‘yes.’”

To learn more about Danielle Damianov email danielled@cmgfi.com, visit www.lendfla.com or call (786) 359-7976.

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Emotional Fluency:

How to Communicate with Clients When Tensions are High Managing emotions, expectations, and personalities are central to a successful real estate career. After all, this is a business based on relationships and interpersonal communication. Likewise, real estate is built on one of life’s central milestones—homeownership. This means that stress, disappointment, excitement, and competition are inherently 16

involved in the process. As an agent, you take on the real estate world every day, but most of your clients aren’t well-versed in the norms of the industry and are likely riding an emotional roller coaster throughout.

Acknowledging this, how do you steer the ship when emotions and tensions are running high?

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For starters, it’s not always intuitive. Just like you add tools to your arsenal when it comes to marketing, social media, or lead generation, you also have to add emotional tools to your repertoire. Here are a few ways to diffuse tense situations and keep clients on an even keel—even during the ups and downs of the transactional process.

Create realistic expectations from the outset and reinforce them as you go As a seasoned agent, some aspects of the industry may seem run of the mill to you, but may come as a shock to your clients. That’s

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why communicating expectations from the beginning can help create reasonable touchpoints in the minds of your clients. In addition to talking through the steps of the transactional process with your clients, consider writing out a checklist or compiling a buyer’s guide that can serve as a resource for them throughout. Think of it like a security blanket, but one that’s built by facts, figures, and anecdotal experience. If you paint a clear picture of what to expect, clients are less likely to be taken by the surprise and react impulsively as a result. What’s more, reinforce next steps, expectations, and possible outcomes as you go. If your client is left to wonder or guess at what’s ahead or

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what will happen, they will either envision the worst-case scenario and panic, or they’ll misjudge the next step and be disappointed or left anxious as a result. Minimize surprises by communicating regularly, clearly, and with all options on the table.

When unveiling a problem, come to clients with potential solutions in hand Any agent worth his or her salt knows that bumps in the road are likely to occur along the way. You can’t promise a transaction free of stress or unforeseen issues, but you can minimize the ensuing stress by preparing you client in advance for any potential problems, and by addressing any problems

clearly and with solutions already in hand.

Clients are likely to become agitated if a problem arises and they can’t understand why or what it means. That’s why slowing it down, talking it through, and offering potential avenues for recourse can quell fears and remind clients why they chose you to facilitate the transactional process. This means you’ll have to vigilant, proactive, and on the ball. Of course, it’s much easier to be an agent when everything is going great and flowing naturally. It’s when things take an unexpected or negative turn that true talent is really tested. Accordingly, show your clients that you are confident and in control by remaining adaptable, communicative, and clear in your problem-solving approach.

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Never underestimate the power of listening As an agent, you are probably well-versed in putting out fires and sourcing solutions. Sometimes, however, clients are really looking to you as a confidante and a listening ear. You’d be surprised how much nervousness you can resolve by simply offering a listening ear and offering reassurance. Sometimes it’s not about providing a band-aid or a practical solution; oftentimes, it’s all about listening. Clients need to feel like they’re being heard, even if you’ve heard it all before. By listening to their fears, acknowledging their perspective, and reiterating their goals—you display your empathy and understanding, which is often just what a client Top Agent Magazine

needs to feel better. In other words, you don’t have to break out the graphs and data each time a client airs his or her insecurity. First, slow down, listen, and interact on a personal level. You may stop an emotional upheaval in its tracks simply by putting your listening cap on.

Not all clients are alike. Some will require a little more hand-holding than others, but it’s your job to put yourself in their perspective, recognize the milestone at hand, and managing the personalities you’re working with. The next time you feel frustrated by a client’s unpredictable emotional energy, keep these insights in mind as you diffuse the situation, steer them to a place of comfort, and fortify your interpersonal skillset in the process.

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JORGE MAGANA Born in El Salvador and raised in Florida, Jorge Magana has always been passionate about real estate. Upon graduating from the University of Central Florida with a Bachelor of Science and Finance, he accepted a position with an esteemed marketing company, where he began to take an interest in the mortgage industry.

After earning his license in 2005, he proceeded to author an accomplished career in mortgages, building a network of satisfied clients and referral partners that spans his home state. In 2018, however, Jorge decided to take his work to the next level, teaming up with Eric Coleman to launch Florida Home Loans. The rest is history.

Today, Jorge is the Co-Owner of Florida Home Loans, where he leads an elite team to assist clients throughout Florida. In the years since starting out, their office has grown to include eight expert loan professionals, all of which possess the expertise, compassion, and integrity needed to complete any transaction.

At Florida Home Loans, Jorge is there for his clients each step of the way. Well-versed in Conventional, FHA, and VA, and many other proven loan packages, he caters his approach to their best interests. Fluent in both English and Spanish, he maintains open lines of communication throughout the transaction, ensuring his clients make fully informed decisions on their financial future. In fact, he prefers to keep in touch with all his clients and referral partners long after the deals are done to cultivate a lasting relationship and provide ongoing support whenever he is needed.

Over the years, Jorge has earned a fantastic reputation throughout Florida, with the vast majority of his volume coming from referrals. With his team of mortgage experts sporting a perfect, 5-star average on Google, he remains committed to the unmatched standards of client service that have truly set him apart in the region. “Our average close rate is 21 days,” he says. “At the end of 20

the day, our team believes in being fast and efficient for our clients while making sure they get exactly what they want.”

When he’s not serving clients, Jorge and his team also contribute to their industry, serving in the Florida Association of Mortgage Professionals chapter of Central Florida. At home, he enjoys spending quality time with his wife and family, mountain biking, or Formula-1 racing.

With his team having completed over 100 loans in 2020 alone, Jorge has exciting plans for the future of his business. With Florida Home Loans on the verge of completing construction on its new offices, he intends on adding to his team while scaling the culture of boutique service to meet the needs of his growing clientele. In the meantime, though, he is excited for the new clients and opportunities that await on the Florida coast. “Because of my background in finance, I have always loved working with the numbers and navigating transactions,” he says. “But more than anything, I enjoy the one-on-one interaction with our clients. For me, there could be nothing more rewarding than seeing them acquire their dream home and thrive within our community.”

To learn more about Jorge Magana email jmagana@floridahl.com, visit floridahl.com or call (407) 637-5395 www.

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5 Things You Can Do To Achieve Your Biggest Goals If there’s one thing successful people can agree on, it’s that setting goals has been key to their success. Whether you’re creating a five year plan or just settling on what you want to achieve by the end of the day, setting goals gives you the focus and direction you need to complete even the biggest tasks.

But there is a method to setting them. It’s a process that takes careful thought and conTop Agent Magazine

sideration up front, which is then combined with the hard work necessary to implement your plan. Luckily there are proven methods to goal setting that you can start using immediately.

1. MAKE YOUR GOALS SPECIFIC

Yes, it’s fun to think in grand terms of where you want to end up in life and in your career, but it’s better to have a specific

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Your plan of action should include daily, weekly, monthly and yearly goals. goal like “Increase my sales by 25%”, than “Get rich.” When a goal is clear and specific, it allows you to figure out the exact steps you need to take to accomplish it. The more general it is, the more paralyzed you might be when it comes to figuring out what to do since, the choices may be overwhelming.

2. MAKE IT ATTAINABLE

Making attainable goals might seem boring, I mean afterall, you want to dream big! But you don’t want to suffer through the disappointment of not reaching your goal, something that may not even be possible at this stage in your life to begin with. One solution to that is creating goal levels. You can have the dream goal, but underneath that you have the realistic goals that are setting up a foundation for achieving the big one.

Things that are attainable still take work and effort to achieve. Those small victories will keep you motivated and encouraged to go for the bigger dreams. And don’t forget, those little goals may have been things you wouldn’t have gotten done if you didn’t set out to achieve them, so be proud!

3. PUT A PLAN OF ACTION IN WRITING

Your plan of action should include daily, weekly, monthly and yearly goals. There is something about seeing things in writing and crossing them off the list that is oddly satisfying.The daily goals are especially 22

important in regards to building up those good habits. The first few weeks of your plan of action are critical when it comes to your long term success. Reaching a goal is something you are doing every day, all throughout the day, in numerous ways.

Achieving goals is all about creating good new habits.

4. MAKE IT MEASURABLE

This is key, since you definitely want to reward yourself for a job well done, and having a goal that is measurable in some way is a sure way to know. Maybe it’s to increase your lead generation or to cut expenses, whatever the case, have a measurable test you need to meet, as well as a time frame. Then calculate what you have to do to reach that goal. Not only should your goal be specific, but the plan and the measure of success should also be set in stone.

5. ADJUST AS YOU GO

You can have all the best laid plans, and you still might quickly realize that what you thought would help you reach your goal, might not be cutting it. Commitment to reaching your goals is good, but commitment to a plan you know isn’t going to work is not only a waste of time, but will be a devastating blow to your motivation.

Sticking to a plan everyday means adjusting it accordingly.

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JAMIE NOWIK An attentive professional with plenty of determination and drive, Jamie Nowik has been helping clients achieve the dream of homeownership since 1999. Originally recruited by a prestigious firm, she has used her knowledge and experience to start her own company and is now the President and Principal Originator at BDE Mortgage (Best Day Ever!).

With two decades of experience, Jamie seamlessly guides clients and helps them pick a product that’s best suited to their needs. Her goal is to always match customers with the right financial solution.

Clients who work with Jamie are grateful for her personalized approach to customer care. “The people I work with appreciate my ability to deliver what I promise. When I say I’m going to close a loan, I say that with certainty. It all comes down to knowing the right questions to ask, and how to ask them. You need to be able to uncover any potential obstacles that might come up and make things difficult.”

Thanks to her steadfast work ethic Jamie has received several awards for being a top producer and has even managed to reach an all-time high for her personal production and led her team to double their production year over year, even in the midst of a global pandemic. Aside from offering more common loans such as conventional and FHA loans, she is also a Certified Veterans Lending Specialist and enjoys assisting military families with VA loans. “The veteran community is near and dear to my heart. I come from a large military family. Recently I was working with a veteran who for some reason did not have a VA loan and instead had a loan that was not the most beneficial to his situation. It was a pretty complex process, but through hard work and determination I was able to help him get a VA loan. Being able to Top Agent Magazine

witness how happy he and his wife were, was a very special moment for me,” she explains.

For Jamie, this is much more than a job, as she genuinely enjoys connecting with clients and forming lasting friendships. “I love meeting new people.

One thing I’m big on is the American Dream of homeownership and being able to help the buyer achieve that dream. It’s especially rewarding being able to help people who have experienced hardships and have turned everything around to get to that important milestone in their life,” she says. Her caring nature extends past her job, and she donates and volunteers with various charities.

Jamie is excited about the future of her business and is focused on growing her team. Her objective is to make the loan process quick and efficient for her clients, so that they can enjoy their new home.

“My goal is to expand to multiple states. Eventually, I would love to be in every state in the US. I want BDE Mortgage to be a trusted name for anyone looking to buy a home.”

To learn more about Jamie Nowik please call (407) 399 – 7446, email Jamie@BDEmortgage.com, or visit BDEmortgage.com www.

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