Alright – so today we’ve got the honor of introducing you to Desmond Miller. We think you’ll enjoy our conversation, we’ve shared it below.

Desmond, thanks for taking the time to share your stories with us today Alright, so you had your idea and then what happened? Can you walk us through the story of how you went from just an idea to executing on the idea

The idea started in the back of an ambulance. Frustrations about financial longevity set in during one extensive night as a firefighter/paramedic. The hustle, bustle and lack of resources got me to thinking, ” This can not be my life forever.”

In an attempt to supplement my income, I explored options in investing, finance and real estate. As the passion for real estate grew, I then became a loan officer.

During my tenure a loan officer I saw issues that could be adjusted to make things better for the homebuyer. My employer, a private company, stuck to their tried method, so I listed the ideas in my notes, and created a 5 year action plan to open my own company. Months later I was approached by a gentleman with a similar work ethic who wanted to assist in opening a company.

Truthfully, in the beginning, there was so much anxiety, nerves, and fear with jumping this a new venture so soon. There was so much to learn; state regulations, compliance details, and (not to mention) I was really a newbie.

To me God had presented me with an opportunity of a lifetime and I could not let fear immobilize me. I believe there are so many leaders with great ideas, that are just immobilized by the fear of the unknown. I decided that I would not do that to myself. The first few years have been whirlwind of financial success and stress. There have been times and feelings of inadequacy and discontentment. However, as I network with other business owners, I realize that everyone is new at some point in business and we have all felt these emotions at one time or another.( Especially at the beginnings of their ventures.) This is my starting point.

Currently, we are expanding and I intend to keep striving forward and learning from the mistakes of myself and others. Never not learning and never settling.

Great, appreciate you sharing that with us. Before we ask you to share more of your insights, can you take a moment to introduce yourself and how you got to where you are today to our readers

I am a Mortgage Broker, and that means that I get you approved for home loans. I also specialize in the refinancing of residential and commercial properties in our great state of Texas. An example of a broker you may know, are the mortgage bankers in the private cubicles of your nearest bank.

The difference is that I provide much lower interest rates and more flexibility to get you approved for a loan. Because we are not beholden to one bank, we don’t have the extra costs of single bank institutions. I am able to provide much lower interest rates and down payment options.

There are too many times in the financial world that you are rushed to sign documents and honestly have no idea what you are signing. I disagree with that practice.

What separates my client’s experience, from those of other mortgage brokers, is the honesty and clear understanding of the best home loan they will sign.
When getting a loan through me, you will have a comfortable and transparent signing experience.

We’d love to hear about you met your business partner.

My first pivot in business was a little over six-months into my first business.
The current company I own is actually my second mortgage brokerage I have started. The first one originally had four partners. We all had collaborated with grand ideas and gestures of goodwill but at the end of the day, it was not a good fit.

The one partner we dismissed filed legal paperwork incorrectly, lied and stole money from the account several times. It was at that point where I knew I had to make a choice: either give up on my dream or pivot and press forward.

How about pivoting – can you share the story of a time you’ve had to pivot?

My pivot in business started after my first failed “experiment”.

The current company I own is actually my second mortgage brokerage I have started. The first one originally had four partners. We came together with grand ideas and gestures of goodwill but at the end of the day a lot it was not a good fit.

The original partner we dismissed filed legal paperwork wrong, stole money from the account and outright lied several times. It was at that point where I knew i had to make a choice either give up on my dream or pivot and press forward.

Contact Info:

• Website: Lux-lending.com