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Meet Renee Morton of Morton Mortgage in Spring

Today we’d like to introduce you to Renee Morton.

Renee, can you briefly walk us through your story – how you started and how you got to where you are today.
I started the mortgage business back in 2003 after a divorce. I had 3 small children and needed to be able to work around their schedule. I jumped in knowing nothing, 100% commission and had to self generate my own business. I had been cheated 2 times in buying a home and wanted to make a change and be able to make a decent living. My goal has been to treat my clients like friends and family and offer the best service in the industry. I survived the 2007 mortgage crash by getting approved to work with Fannie Mae on their foreclosures. Most loan officers didn’t want to do them. I saw opportunity and made it my focus. After 12 years of working for others and serving on the board of a National Mortgage organization (NAPMW) I opened my Mortgage company. We started in a tiny office space (150 sq. ft.) behind the gates of a storage building. The low overhead allowed me to stay debt free. After a year we moved into a larger location of almost 1000 sq. ft. My middle daughter runs the business side of Morton Mortgage, Inc. and I focus on growing the business. We moved March 15th of this year and we hired 8 loan officers in 8 weeks. We didn’t recruit any of them. They all found us. We give back to the community by having fund raisers for Kids Meals, Inc. of Houston. We support local artist from inner loop by having them hang art in our office. We have an artist reception to help sell their work and invite the public in to meet them. We hold education classes in our office as well for real estate agents. I love what I do, I love helping others and I am extremely thankful for those that trust us with their largest purchase of their life!

Has it been a smooth road?
It has never been a smooth road. Starting was very difficult because I didn’t have any teaching me. I had to learn along the way what I was doing and feeding my kids depended on it. When the mortgage industry crashed, I didn’t have a paycheck for 6 months. It was extremely humbling. During that 6 months my company sold to Countrywide. I didn’t know where to go and was in on the Bank of America and Countrywide merger. I only stayed for 6 weeks because I didn’t agree with the way they did business. A friend in the same business opened a mortgage company so that he and I could have a place to hang our license. It was a blessing, but extremely hard. He could not justify hiring help so I was forced to originate loans and process for a year. It taught me a lot and made me a better loan officer. I understand the back end of the business and what Underwriters are looking for now. I try to see the positive in things. Yes, it was hard but good things came from it.

So let’s switch gears a bit and go into the Morton Mortgage – story. Tell us more about the business.
Fear always held me back from opening my own Mortgage company. One day I received an email from a previous client about a bible study. It said, “Fear is the enemy’s way of holding you back from God’s blessings”. It was what I needed to hear. That morning, I went to the court house and the bank and opened my company. We are known for the quality of service that we offer to our clients. My desire is to make every single person that works with us feel as if they are part of our family. Buying a house is a very stressful process. We try to take the burden away from our buyers and make it a pleasant experience. Our goal is to “wow” everyone we come in contact with during our day to day business. I personally go on Facebook Live every morning at 9am to educate the public on mortgage lending. We are Distinctively Different than other mortgage companies in the way we market to the public and because of this I am very proud of my company and the team of people that have made the choice to be part of our team.

How do you think the industry will change over the next decade?
The mortgage business tends to crash about every 20-30 years. That has been a trend for many years. Lending is still difficult but I am seeing a trend of loosening guidelines.

Regulation is great because it keeps the bad people in this business out. However, sometimes we need common sense lending especially for the self-employed buyers.

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