Julia Jackson Taylor: My mortgage journey was a natural transition! I started with Bank of America as a short sale negotiator and was quickly promoted to a number of positions in that department. A former classmate of mine worked on the same campus, and we bumped into each other at lunch. He told me about his position, and he believed that I’d be a great fit as the department was hiring. The rest is history.

MPA: What are the threats to your business, your success, and how are you handling them? Have you ever been so discouraged you wanted to quit?

JJT: The only threat to my business is me. Knowing that this business is cyclical is half the battle. The other half is knowing how to manage, shift, and change. But, even knowing these things, I have been discouraged and on the brink of quitting. The discouragement didn’t come from the job itself. It came in the form of really upset buyers/customers. I can’t speak for everyone, but there have been some experiences that were worth not doing this anymore. Thank God for my husband and family, though. Without their encouragement, I don’t know where I’d be.

MPA: What’s the most dangerous behavior/trait you have seen derail originators’ careers?

JJT: The only two things that come to mind are dishonesty and not having patience. Being dishonest to ‘win’ business or to just provide a response can always be dangerous. Continuing education reminds us of how illegal it is and that it can be quite expensive; to the LO and company. Impatience can also be dangerous! Not physically, but certainly figuratively. Not making time to properly explain the process to your customers, be it the buyer or builder partners, can be problematic. If you intend to have a smooth process, then patience is and always will be key. Taking that time to ensure clarity takes a lot of weight off of everyone’s shoulders.