This article explains of the second pillar of my operating system for success in the changing mortgage market.

I have had a lot of ups and downs in my mortgage career. It has taken years of trial and error to pinpoint exactly what activities bring the greatest value and leverage to my business.

And while figuring out the perfect formula for business growth and success is always a work in progress, today I can confidently say that I attribute at least 80% of my income to three specific actions:


This article explains of the first pillar of my operating system for success in the changing mortgage market.

“Your attitude, not your aptitude, will determine your altitude.” - Zig Ziglar

Our words are strong. So strong in fact, that we rarely ever EXCEED what we SAY.

Think about that for a moment, and carefully consider how you respond to people who ask how you are doing. What boundaries are you putting upon yourself when you respond to a question about your wellbeing with a typical response like;

“I’m buried in work and I just cannot keep up.”

or

“I’m running…


The Mortgage Market Shift is Coming, Part 1: How to Build Your System for Success in Any Environment

I’ll never forget the day I came to the realization my business model had failed.

My expenses exceeded my income, I had little to no liquid savings outside my real estate investments and private money loans secured by real estate — all of which were losing equity faster than I could sell them. I became aware there was a high probability I was going to lose my rental properties, all my investments…and I feared my marriage, as well.

The first 7 years of my mortgage career had been a smashing success. By the time I was 29, I had built…


The is the fifth article in our “Debunking the Housing Crash” series.

COVID-19 is one of the most deflationary global events to hit the earth since the meteor that took out the dinosaurs. When much of the United States and many other countries began enforcing stay-at-home orders, the economies of the world came to a grinding halt.

How is it then, that a deflationary event of this magnitude could not trigger a housing crash in the U.S.?

As deflationary of an event as COVID-19 has been globally, there are equal and potentially greater inflationary pressures currently pushing U.S. housing prices higher than they are today.

This series explores each of these pressures…


The is the fourth article in our “Debunking the Housing Crash” series.

COVID-19 is one of the most deflationary global events to hit the earth since the meteor that took out the dinosaurs. When much of the United States and many other countries began enforcing stay-at-home orders, the economies of the world came to a grinding halt.

How is it then, that a deflationary event of this magnitude could not trigger a housing crash in the U.S.?

As deflationary of an event as COVID-19 has been globally, there are equal and potentially greater inflationary pressures currently pushing U.S. housing prices higher than they are today.

This series explores each of these pressures…


The is the third article in our “Debunking the Housing Crash” series.

COVID-19 is one of the most deflationary global events to hit the earth since the meteor that took out the dinosaurs. When much of the United States and many other countries began enforcing stay-at-home orders, the economies of the world came to a grinding halt.

How is it then, that a deflationary event of this magnitude could not trigger a housing crash in the U.S.?

As deflationary of an event as COVID-19 has been globally, there are equal and potentially greater inflationary pressures currently pushing U.S. housing prices higher than they are today.

This series explores each of these pressures…


The is the second article in our “Debunking the Housing Crash” series.

COVID-19 is one of the most deflationary global events to hit the earth since the meteor that took out the dinosaurs. When much of the United States and many other countries began enforcing stay-at-home orders, the economies of the world came to a grinding halt.

How is it then, that a deflationary event of this magnitude could not trigger a housing crash in the U.S.?

As deflationary of an event as COVID-19 has been globally, there are equal and potentially greater inflationary pressures currently pushing U.S. housing prices higher than they are today.

This series explores each of these pressures…


The is the first article in our “Debunking the Housing Crash” series.

COVID-19 is one of the most deflationary global events to hit the earth since the meteor that took out the dinosaurs. When much of the United States and many other countries began enforcing stay-at-home orders, the economies of the world came to a grinding halt.

How is it then, that a deflationary event of this magnitude could not trigger a housing crash in the U.S.?

The other day, I spoke with a medical professional who is entertaining the idea of buying her first home. …


There is little, if any, doubt at this point that we are in a significant recession. The current world we are living in — characterized by COVID-19 — seems to perfectly fit the definition.

What is not as clear to most people is that a “black swan” (unforeseen, shocking) event like this is a short-term crisis with long-term opportunity.

A Look at Previous Black Swan Events

If we take a look at history, we can see that there have been many black swan events that have shocked the economy and the stock and housing markets. Some of them have even pushed us into a recession.


If you are like most of the home buyers I advise, the following questions are likely rolling around in your head:

“Is this a golden opportunity to capture a near record-low fixed mortgage rate?”

“Is this the time to find a seller who is fearful and motivated to sell quickly?”

“Is this what Warren Buffet is talking about when he says, ‘Be fearful when others are greedy, and greedy when others are fearful?’”

And most of all… “When is the economy going to recover?”

I am hearing a version of each of these questions from nearly every client I consult…

Josh Mettle

Josh Mettle NMLS #219996 is an industry leading author and mortgage lender, specializing in financing physicians, dentists, CRNA, and other professionals.

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