NMP - April 2018 - 22
Message From NAMB 2017-2018 President
John G. Stevens, CRMS
The day I am writing this message, I am celebrating my 38th birthday. It's been 38 years' worth of learning, trials, happiness and
sorrow. And yet, as I look back throughout all of my experiences, I realize something profound:
"I am not a Product of my Circumstances, I am a Product of my Decisions!"-Stephen Covey
APRIL 2018 n National Mortgage Professional Magazine n
How often do we look back and place blame on what we are on other people or on certain circumstances? Do we reflect
inward and see how our own decisions have affected our abilities?
Are you great at loan origination because you just are? Or, is it due to your hard work in learning about different products, how
to price loans out, and better yourself through classes?
I was talking with a Loan Officer Member of NAMB the other day, and they were complaining about how they were unable to
close a lot of loans because of how difficult the borrowers are in their area. And how much easier would it be if he lived in
California where loans were higher and people were friendlier? I asked this person why they didn't get licensed in California and
do loans there as well. They laughed and said that would never work. Didn't I realize that to do loans, you had to live there? He
told me that you have to see people or they won't work with you.
This is an example of an individual who personifies the idea that you are a product of your circumstances.
Fast-forward to today where I saw a close friend of mine who posted on Facebook that he is now able to do loans in Florida! He
was excited to help people achieve their dream. Although he lives in the Boston area, he is now helping people who he may never
meet face to face.
He took his circumstances, saw that he wanted to do more, do better, and he made the change necessary to do better! He made
the decision to become better than he was before.
Forty-five years ago, a group of mortgage professionals came together to say that they are no longer a product of their
circumstances. Forty-five years ago, a group of Mortgage Professionals came together and made a decision to help our industry
become better than it was.
As I look back on the last 45 years of the National Association of Mortgagee Brokers, I see
that we have also had 45 years' worth of learning, trials, happiness and sorrows as well.
The founders of the NAMB understood what Stephen Covey meant when he wrote about
being better than you are today, and how to overcome your circumstances.
Now we are facing opportunities like never before to better our industry. NAMB is
meeting with the Consumer Financial Protection Bureau (CFPB), members of Congress and
heads of other associations ... all focused on making our industry better.
They understood what it meant when Rotarians talk about: "Service above self."
I would ask each and every single one of you to reach out and become a part of this 45year-old organization. Find ways to help it become better. Find ways to make our industry
more stable. And find ways to help you become a stronger mortgage professional.
If we put our differences aside and find ways to work together, we will all become better
throughout the next 45 years. And I look forward to celebrating with all of you the 90th
birthday of the National Association of Mortgage Brokers.
John G. Stevens, CRMS
President of NAMB
"How often do we look back and place blame on
what we are on other people or on certain
circumstances? Do we reflect inward and see how
our own decisions have affected our abilities?"
John G. Stevens, CRMS is President of NAMB and Vice President
of National Business Development for Paramount Residential
Mortgage Group Inc. (PRMG). John has been actively involved in
NAMB and mortgage industry thought leadership since 2010.
Feel free to reach John by phone at (801) 427-7111 or e-mail