There’s no boss breathing down your neck. No timeclock to punch. No rigid schedule. For most mortgage professionals, that freedom is partly why we got into this business in the first place.

But that same freedom can become the very thing that robs you of the results you're working so hard for.

We hear it all the time from loan officers, coaches, and leaders alike:
“I’m working 10, 12, even 14-hour days.”

But when you actually track what’s happening during those hours? The truth hits hard. You’re busy… but not productive.

The Post-COVID Shift That Changed Everything

We’re not in offices the way we used to be. That natural accountability and daily connection? It’s gone for many of us. And while working from home can be a gift, it’s also full of traps—time sucks and distractions that pull you away from what matters most.

Without structure, self-awareness, and intentionality, we drift.

Start With the Bookends

Before we tackle your whole day, let’s get brutally honest about how you start and end it. Your first 120 minutes and your last 120 minutes matter more than you think.

Are you waking up with purpose?
Are you moving your body and getting natural light?
Are you feeding your mind something that actually fuels focus?
Are you winding down at night in a way that honors your need for real rest—not Netflix binging and doom-scrolling?

How you bookend your day sets the tone for everything in between.

Track It to Change It

Want to truly level up your time? Here’s what I do every single quarter—and what I challenge every coaching client to do, too:

Track your time for 3–5 days
Not casually. Not just what’s on your calendar. We’re talking every 15 minutes, documented in detail. Where did your time really go?

Audit your output

Ask:

Was that task necessary?
Could I have delegated it?
Could I have done it faster or smarter using tools like AI or team support?

Delete, Delegate, or Do Differently
Time freedom comes not from doing more, but from doing less of the wrong things.

The Hard Truth

You’re not as busy as you think.
You’re just not being honest with your time.

When you finally track it, measure it, and dissect it, you’ll find margin. You’ll reclaim hours. And you’ll start putting that reclaimed time toward the high-value activities that actually move the needle in your business—and in your life.