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Hosting this episode is Chris Kolinski, a mortgage associate based in Saskatoon. His guest is the CEO and President of the CENTUM Network and Real Property Management, Chris Turcotte. They talk about the importance of accountability and Chris’ tips to stay motivated all the time.

This episode is sponsored by Finmo. Finmo is Canada’s fastest growing mortgage origination platform. To find out if Finmo is right for your business visit

Timestamped Show Notes

(click the timestamp to jump directly to that point in the episode.)

[2:19] Who are you and what’s your story?

  • I started working for one of the large institutions when I was seventeen. In my late twenties when I became a branch manager, I saw the ceiling.
  • When my wife and I were looking at homes, I told our realtor that I don’t need a mortgage broker because I have good credit.
  • The realtor called his mortgage broker and made me realize I’d be crazy not to see him.
  • The company I was with was downsizing, and halfway through the approval process I got bought out. My broker then said that I myself should try becoming a mortgage broker.

[7:23] What is an inspirational quote you like?

  • “Smooth waters have never made a good sailor.”
  • Bad stuff is going to happen. It’s inevitable. What you have to realize in the moment is that you’re going to learn and how much stronger you’re going to become.
  • When I joined Real Property Management, it needed a makeover and it was a daunting task.
  • I told myself that no matter what, I was going to get through it.

[10:13] What is your morning routine?

  • It starts at night. I have a journal where I write one very important thing and two subtasks. If I have a productive day, there are three more bonus ones.
  • I do it the night before, so when I wake up, I review my day and make sure I have enough time on my calendar.
  • I check social media, but I don’t consume it.

[13:08] What is the best business advice you’ve received?

  • Relationships are currency.
  • I’ve seen legends in their field put in into practice.
  • So many people make the mistake of treating business and personal relationships different.

[14:36] How important are motivational quotes?

  • I would find a quote that I believe in, post it, and then write my own perspective in my journal.
  • That’s what motivational quotes should be; they should reaffirm what you believe in.
  • If you don’t apply them, they mean nothing.

[17:45] You posted something saying money used to be a major motivator for you and that’s since changed. Why and how has that changed?

  • I don’t want to sugar-coat it. To finally make sure money isn’t the driving force, you need to become financially secure.
  • Now it’s about putting everything into my wife and kids and being someone that inspires them.

[21:15] How does someone get out of a motivation low?

  • I don’t have lows and I feel very confident in saying that.
  • The idea of being demotivated is one I don’t understand. I love what I do and set goals up that I constantly have to chase.
  • If you’re not where you want to be, that’s on you. It’s so easy to get caught up in excuses.

[26:50] Rapid fire questions.

  • What is holding most mortgage brokers back from being successful?: Excuses and accountability.
  • What software or application can you not live without?: iCalendar and Contacts. Every time you talk with someone you should be making notes about the interaction. I also like Giftagram, which lets me give gifts to people on the fly.
  • What book would you recommend?: The Compound Effect by Darren Hardy and The E-Myth Revisited by Michael E. Gerber.
  • If you could go back in time to the beginning of your career, what advice would you give yourself?: Relationships are currency, accept the fact that it’s all your fault, and save for taxes.

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