Originally posted in http://DaretoDream2016Blog.wordpress.com/

A steep learning curve led Lorna Cruz, mom of three boys (14)(24)(27) and one daughter (20), and mortgage branch manager, to financial freedom. She still  remembers struggling as a single mom, so her mission is simple: put families on firm financial footing.

That’s what led her mortgage company to sponsor the 2016 RENEW Health & Wellness Expo this fall on Saturday, September 24, in Trenton, NJ. Cruz realizes that financial fitness leads to a healthy mind, body, and spirit that drive your success.

“Now we are living in the middle of the pyramid, where we are not in debt, not in scarcity,” said Cruz.

“We are in a healthy place. I don’t have to worry about whether or not the bills are going to be paid.”

How and when did she hit the career lottery?

 

Lorna’s Journey

A tenacious woman like Cruz has always availed herself of every opportunity to make money—even when she was tested the most.

“As a single mom for quite a few years, I have always been a survivor, a doer, someone who   always needed a  challenge,” recalled Cruz.  “ That’s  who I am.”

Her  entrepreneurial spirit led her to start two home-based businesses after she became pregnant with her first son, always leveraged her skill set from one career to the next.  Cruz has really seen and done it all.

“I’m kind of like Barbie; I’ve had a zillion careers,” said Cruz, who has done everything from a designer to a private chef.

She leveraged her “domestic goddess” skills to become a private chef—started out making lunch for a loan officer and his colleagues and ended up with a new career--opportunities to earn extra money often morphed into another profitable business.

“Honestly I do everything with passion, so if the passion is gone,  then I have to find something else,” said Cruz.

 

By 2002, she had three children and a little  baby from her recent marriage, now 14 years strong. She was tired of working crazy hours catering weekend gigs that consumed her family time, which led her to finance, where she learned  the nuts and bolts of the mortgage industry.

 

“What my mentor taught me changed the course of my  life,” said Cruz.

 

Hungering for her own place, after 13 years in the field, she flew out to the biggest trade show, where she hit the career lottery in Las Vegas. “I used all my points from my credit cards to book it,” said Cruz.

 

That’s where she met representatives from the Norcom Mortgage Company, who shared her vision and philosophy, and eight months later opened up her own branch walking distance from her home.

 

Financial Fitness

Now her mission was two-fold:

  • Train the next generations of lenders
  • Reeducate the consumer—the milennials and other first time buyers under the misconception that they can’t afford to buy and the elderly who think they can’t afford to keep their house

 

“Having gone through a divorce, living in a rented  three bedroom, three  floor walk-up, with three kids, and bicycles and everything else; ” said Cruz,  “I remember how much I suffered  because no one told me that I could keep my house.”

 

Looking back Cruz realizes that when she moved, she also lost a solid support system. “A home is a neighborhood and a way of life,” explained   Cruz, “so I especially reach out to women, people going through life changes, divorce, or restructuring.”

So how does someone get financially fit?

  • Live within your means, paying all of your bills with only one person’s paycheck
  • Save on a regular basis
  • Live in a house that is a healthy environment, one that feeds you spiritually

Cruz shared her philosophy of why it’s vital to get fit and stay healthy: “That’s how you get rid of your stress, think clearly, open up your mind to new possibilities and opportunities: because you need energy to create your dreams.”

 

 

 

The Path to Financial Independence

By Lynda Dell

A steep learning curve led Lorna Cruz, mom of three boys (14)(24)(27) and one daughter (20), and mortgage branch manager, to financial freedom. She still  remembers struggling as a single mom, so her mission is simple: put families on firm financial footing.

That’s what led her mortgage company to sponsor the 2016 RENEW Health & Wellness Expo this fall on Saturday, September 24, in Trenton, NJ. Cruz realizes that financial fitness leads to a healthy mind, body, and spirit that drive your success.

“Now we are living in the middle of the pyramid, where we are not in debt, not in scarcity,” said Cruz.

“We are in a healthy place. I don’t have to worry about whether or not the bills are going to be paid.”

How and when did she hit the career lottery?

 

Lorna’s Journey

A tenacious woman like Cruz has always availed herself of every opportunity to make money—even when she was tested the most.

“As a single mom for quite a few years, I have always been a survivor, a doer, someone who   always needed a  challenge,” recalled Cruz.  “ That’s  who I am.”

Her  entrepreneurial spirit led her to start two home-based businesses after she became pregnant with her first son, always leveraged her skill set from one career to the next.  Cruz has really seen and done it all.

“I’m kind of like Barbie; I’ve had a zillion careers,” said Cruz, who has done everything from a designer to a private chef.

She leveraged her “domestic goddess” skills to become a private chef—started out making lunch for a loan officer and his colleagues and ended up with a new career--opportunities to earn extra money often morphed into another profitable business.

“Honestly I do everything with passion, so if the passion is gone,  then I have to find something else,” said Cruz.

 

By 2002, she had three children and a little  baby from her recent marriage, now 14 years strong. She was tired of working crazy hours catering weekend gigs that consumed her family time, which led her to finance, where she learned  the nuts and bolts of the mortgage industry.

 

“What my mentor taught me changed the course of my  life,” said Cruz.

 

Hungering for her own place, after 13 years in the field, she flew out to the biggest trade show, where she hit the career lottery in Las Vegas. “I used all my points from my credit cards to book it,” said Cruz.

 

That’s where she met representatives from the Norcom Mortgage Company, who shared her vision and philosophy, and eight months later opened up her own branch walking distance from her home.

 

Financial Fitness

Now her mission was two-fold:

  • Train the next generations of lenders
  • Reeducate the consumer—the milennials and other first time buyers under the misconception that they can’t afford to buy and the elderly who think they can’t afford to keep their house

 

“Having gone through a divorce, living in a rented  three bedroom, three  floor walk-up, with three kids, and bicycles and everything else; ” said Cruz,  “I remember how much I suffered  because no one told me that I could keep my house.”

 

Looking back Cruz realizes that when she moved, she also lost a solid support system. “A home is a neighborhood and a way of life,” explained   Cruz, “so I especially reach out to women, people going through life changes, divorce, or restructuring.”

So how does someone get financially fit?

  • Live within your means, paying all of your bills with only one person’s paycheck
  • Save on a regular basis
  • Live in a house that is a healthy environment, one that feeds you spiritually

Cruz shared her philosophy of why it’s vital to get fit and stay healthy: “That’s how you get rid of your stress, think clearly, open up your mind to new possibilities and opportunities: because you need energy to create your dreams.”

 

 

 

 

 

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Published by Lynda Art