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Wait what!?! Did you just say my childhood???(Insert nervous laugh) Ummm… I dunno, I mean I have to think about it some more. Hmmmm, I’m not sure … I mean I guess I can remember thinking about money as a child … What was my first memory!?! I don’t know it was so long ago… let me think (insert 2nd and now awkward giggle followed by long pause) … Oh S#*% it was the time I called Grandma to pay the water bill!!!

Seriously how could I have forgotten this!?! Its basically the incident that shaped my whole life. It sparked my entrepreneurial curiosity, my fears of being without and the realization that my dad was a poor money money manager.

In hindsight its crazy to think that such powerful moments can be overshadowed by a lifetime of petty drama. You would think that one would KNOW of the HUGE event that subconsciously sabotages their attempts to get ahead… but NO!!! That would be too easy, and would probably eliminate the need for therapists. So joke is on us until one day you find yourself in a room with entrepreneurs learning about the power of “Money Mindset” (from Diana Powerhouse herself) or you learn second hand by reading this blog!

So what is money mindset? Simply put its your subconscious relationship and behaviors around spending, saving, and investing money. It’s how you act and feel when you have it, what you think, feel, and do when you don’t, and what you feel about others when they have, or have not!

Our money mindsets develop when we are children, but evolves over our adulthood. FACT: You can have more than one money mindset issue, and I personally have suffered with several at the same time. I recorded this week’s Money tip video on the five most common types of money mindset issues.

Also you can learn more about scarcity money mindset from this Forbes article.

My favorite thing I have learned thus far in my money mindset journey, is that once you face the fear and own your habits, you are free to change the ending! You don’t have to live in the money mindset hamster wheel, you can say “that once was a belief I had until I learned… and now I am…”

The future is ours my friend! I would love to hear your thoughts and learn if you have struggled with the same things! It would be amazing to hear different perspectives on how you have learned to overcome your money mindset issues! Feel free to comment below 🙂

I get asked frequently about how to get the most out of cash influxes like “Tax Refunds” So I recorded today’s video on the 5 best strategies for how to use the money and get ahead.

As an aside, this is our third week of our new Monday Series and I would LOVE to get your feedback on the content. Has this been useful? Are there subjects or questions you would like for me to address? I want to hear what would help make this year your best year. So please do not be shy! I am happy to help!

As always, I hope you have the best week ever, and look forward to hearing from you soon!

If anyone is going to understand that you don’t live your life to qualify for a home loan… it’s our team! There are so many intricacies and guidelines you would never know if you weren’t in the industry. We believe that it is our job to educate you, so we made this light hearted video to highlight some of the unexpected things we deal with during the loan process. In addition to this, we have also included a downloadable Do’s and Don’ts guide that lists all of the things to keep doing or avoid when getting a home loan.

I hope you enjoy, and please know whatever YOUR situation, we are ALWAYS happy and GRATEFUL to help you!

All my best!!!!

Lizy Hoeffer

As a loan officer, I work with all types of clients and while they are all extremely important to me and get my team’s 110 percent effort there’s something really special about helping first-time homebuyers.

For example Cassi Sullivan, she is a young successful, first-time homebuyer who put her home buying dreams in my teams’ hands.

We first met Cassi after she was searching for homes online and was referred to me by local real estate agent, Daniel Brown. Cassi seemed nervous at first but was extremely proactive and organized. Within 24 hours of Cassi’s phone call to us, we had her pre-approval letter and she was on her way to find her first home.

Like many first time buyers, Cassi fell in love with the first property she found, but because she was so new to the process she didn’t immediately want to make an offer. She was worried she didn’t have enough homes to compare this one to, and continued to search for houses. None of the houses seemed to compare to the first property that reminded her of her childhood home. Luckily she was able to come back to this property and make an offer that was accepted. Cassi remained diligent, proactive and extremely speedy during her home loan process. There was never a delay on her end getting us any of the items we needed for underwriting. I think she still holds our team record for fastest conditions sent in by a client! It is no surprise she is one of our all-time favorite clients. 

We could not be happier for Cassi, who has now been a proud and happy first-time homeowner since March of last year.

There are many reasons why people become loan officers. For me, it comes down to helping people with their home financing and being a part of a new and exciting chapter in their lives. It’s literally the only way I make new friends these days (kidding but kind of not kidding 🙂 )

In all seriousness though, sharing this experience brings me so much joy, and it is hard to describe the honor it truly is! Looking forward to sharing many more mortgage stories with you!

All my best!