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Welcome to the latest edition of the Agave Home Loans newsletter. Here's a recap of how our October finished up: 

• We closed 95 loans for a total of $27,546,544 in loan volume

• We just cross 1000 closings since forming the company in January of 2020

• We're 15 shy of 400 5-Star reviews on Google

• We're home to 46 incredible team members

 G.R.A.P.E.S.

    The body is an amazing wonder. Stress and anxiety are physical reactions that tell us something's wrong. 20,000 years ago, if you ran into a saber tooth tiger out on the hunt for wooly mammoths, stress would kick in alerting you to run or hide. True fight or flight. Today, our body reacts in similar ways but to very different stimuli. Money problems, relationships and work stress are all compounded by the combination of screen time and the go-go-go mentality.      Last month we ran a training at Agave about grapes. Not the kind that makes pinot noir or my wife dance, but an acronym to help combat stress.   G- Gratitude R- Respiratory A- Awareness P- Physiology E- Eyesight S- Sleep     Sometimes on the way to work, I yell at the top of my lungs the things I’m grateful for. It weirds out my Uber driver (jk) but 100% of the time I feel physically better. When you focus and think constantly about what you’re truly grateful for, you’re more likely to see the positive side of things.     Respiratory represents deep breathing. I don’t think it’s a coincidence that ancient eastern philosophies found physical and mental help in deep breathing. Per Neuropeakpro.com, “when you take a deep breath in, your heart rate quickens slightly. As you exhale, your heart rate slows. Repeated deep breaths will naturally bring your heart rate more in sync with your breath. This leads your brain to release endorphins, which are chemicals that have a natural calming effect.”     Awareness means recognizing when your mind starts to wander. Buddhists use a practice called mental noting. This means simply saying silently in your head the actions you’re taking in each moment. These actions could be the rising and falling of each breath, the placing of each foot in front of the other as you walk, or any other thing you’re thinking or doing. The noting helps keep you present. The more present you stay, the less you lament on issues from the past or a future world that hasn’t played out yet.     My wife gets mad at me for a technique I use with vacations. I tell myself prior to the trip that it will be absolutely terrible. Why? Because I used to spend so much time thinking about how great a vacation would be, that I’d build up an expectation so high that no vacation could ever deliver. In a way, this is what unhappiness is. Your present reality never meets your subjective expectations. Easy fix: stop living 99% of your life in an imaginary future world played out in your head. Stay aware of the present or, at the very least, use your future thoughts to serve your life for the better.     Physiology matters. A research study conducted by Dr. Amy Cuddy at Harvard showed that not only does your brain change your physiology but that your physiology can change your brain! This means that clenching a pen with your teeth and forcing a smile can make you happy. It means that sitting in a wide power stance can help create chemicals in your body that make you feel confident and powerful ... and that the opposite is true with a narrow stance. Small or “weak” poses can create stress or anxiety.     Eyesight is one that I’d never heard before until Dr. Andrew Huberman mentioned it on the Tim Ferris Show. When you are focused or stressed, your eyesight narrows and dials in to your work or the task at hand. Think of a baseball player locked in on the pitcher. It’s all they see while a crowd of 50,000 roar. When your eyesight widens and you become more aware of your periphery, you become more calm and tranquil. Think about a vista or an incredible view of the ocean. You’re more likely to be aware of a large horizon that physically makes you feel better. Eyesight, like breath and physiology, is bi-directional. This means that not only does your mood or environment impact your breathing, eyesight and physiology but that your breathing, eyesight and physiology impact your mood!     Lastly, there's sleep. One of the most important drivers of sleep is body temperature. People are more likely to sleep better in cooler temperatures. Find a good setting for your room and keep it at that temperature consistently. Alcohol consumption warms your body, which plays a role in why it so drastically affects sleep quality. Try not to drink prior to sleep; if you do, think about cooling the room more than usual. Start each morning with natural sunlight and water. Photons hit your eye and tell the body to start the circadian clock, while water helps rehydrate after sleep.     Everything starts with attitude. The best performers in any field lose an edge when their outlook isn’t on point. You can’t save money, find peace of mind or build a company without the right mindset.   So take some deep breaths, widen your gaze, yell confidently about the things you're thankful for, and smile! Everything will be okay.   Follow us on Instagram, LinkedIn, Facebook, Twitter and YouTube for thoughts on business, financial tips and ways to get ahead!   

- Marshall Gottlieb, CEO

Jerome Powell has continuously said inflation would be “transitory” Some are frustrated that this week’s core inflation report showed year over year price growth at 4.1%, but the Fed’s point still holds - long term inflation expectations remain low. Plus, check out the most recent wage growth reading 👀

Powell has left himself and his band of economists plenty of room to maneuver accordingly, and they are looking to create a goldilocks economy. Not too hawkish, not too dovish.

Source: Rocket Fuel  

AGAVE HOME LOANS

MORTGAGE BROKERAGE

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