Madison Mortgage Services Inc.
Company NMLS # 1862796
We’re excited to welcome Takee Bilmaruf to Madison Mortgage!
Licensed in Connecticut, Florida, New York, and Pennsylvania, Takee joins a growing network of mortgage professionals serving borrowers across the country.
We’re proud to keep building a team of driven loan officers ready to grow their business with Madison.
Our team is growing, and so is our reach.
Welcome to the team, Takee! 🎉
#MadisonMortgage #mortgageprofessionals #loanofficers #mortgagebroker #TeamMadison
One thing I've changed my mind about over the last five years is remote work.
Before COVID, I was much more skeptical.
Today, I see it differently.
Not because I think everyone should work remotely.
Because I've learned that great people perform differently.
Some thrive in an office.
Others are incredibly disciplined working remotely or in a hybrid environment.
The lesson for me wasn't that one model is better than the other.
The lesson was to stop judging performance based on where someone is sitting.
Judge it based on results.
We've added incredible people to our team because we were willing to evolve our thinking.
As a leader, if you're never changing your mind, you're probably not learning enough.
The best leaders stay open to new ideas while staying committed to high standards.
Systems create scale.
Talent alone doesn't.
Every business reaches a point where effort alone stops producing better results.
That's when systems become everything.
If every loan is handled differently, every borrower has a different experience, and every team member follows a different process, growth becomes incredibly difficult.
The best businesses create repeatable processes.
Then they build technology around those processes.
That's exactly how we've approached Madison.
We've spent years engineering workflows that eliminate friction and create consistency.
The result is simple.
Loan officers spend less time managing files and more time growing their business.
Systems aren't exciting.
But they are what allow ordinary production to become extraordinary over time.
The biggest lie loan officers tell themselves is this:
"I'll hire help once I get busier."
In reality, the opposite is usually true.
You'll get busier because you hired help.
If you're doing four or five loans a month and handling every part of the process yourself, you're probably the bottleneck.
You're spending too much time inside your pipeline and not enough time filling it.
The investment in an assistant or a great LOA often feels uncomfortable at first.
I understand that.
But the right person doesn't become an expense.
They become a growth engine.
We've helped loan officers make that investment before they felt ready, and we've watched them double their production because they finally had the capacity to focus on business development.
Sometimes the biggest risk is waiting too long.
The loan officers who become elite almost always have one thing in common.
They have grind.
Not because they work 100-hour weeks.
Because they make the most of the hours they do work.
Elite loan officers understand that their value isn't created by sitting in files all day.
It's created by building relationships.
Meeting with referral partners.
Following up with clients.
Creating opportunities that turn into long-term business.
The execution side of the business needs to be supported by systems, operations, and the right people.
That's how you scale.
I've seen loan officers go from five loans a month to twenty-five.
It wasn't because they suddenly became better salespeople overnight.
It was because they learned how to spend their time where it creates the most value.
Hard work matters.
But smart execution is what turns hard work into elite production.
Some of my favorite success stories are the loan officers who almost gave up.
Not because they weren't talented.
Because they were stuck.
They were working at companies with outdated technology, weak operations, and very little support.
They thought they were burned out on the mortgage business.
The reality was they were burned out on their platform.
Then something changed.
They found an environment that actually helped them win.
Now they're producing more loans, making more money, smiling more, and enjoying the business again.
Mortgage has always been a challenging business.
But it should also be a fun one.
When you're surrounded by people who care, supported by systems that work, and confident in your ability to execute, everything changes.
That's when people rediscover why they got into this business in the first place.
One thing I think a lot of mortgage executives miss is this.
A great loan officer can look average on the wrong platform.
I've seen it over and over again.
Someone is producing two loans a month.
People assume that's their ceiling.
Then they move to a platform with better pricing, better technology, stronger operations, and real support.
Six months later they're closing six or seven loans every month.
What changed?
Not the loan officer.
The environment.
The platform gave them confidence.
It gave them capacity.
It gave them the ability to compete.
Before you judge someone's production, ask yourself whether you've given them the tools to actually succeed.
Platform matters more than most people realize.
Growth creates complexity.
The challenge is making sure it doesn't create bureaucracy.
As companies get bigger, they often get slower.
Simple requests become complicated.
Approvals take weeks.
Innovation stops.
I've always believed staying nimble is a leadership decision.
You need systems that prioritize requests quickly.
You need people who understand the "why" behind what loan officers are asking for.
And you need leadership that's willing to act.
Not every request is the right answer.
But every request deserves a thoughtful response.
The companies that stay agile aren't the ones with the fewest people.
They're the ones that never stop listening.
Too many loan officers aren't supported.
They're tolerated.
There's a big difference.
Support isn't just having a processor assigned to your loans.
Support is leadership that actually helps you grow your business.
It's adding a lender because you need it.
It's implementing a state-specific down payment assistance program because it helps you compete.
It's finding solutions instead of giving excuses.
I've talked to loan officers who spent months asking for simple changes that never happened.
Then they arrive here, and we've already solved the problem before their first loan even closes.
That's what support looks like.
If your leadership only notices you when there's a problem, you're probably being tolerated.
The best companies invest in your future, not just your current production.
When I'm interviewing a loan officer, I'm not trying to figure out how many loans they've closed.
I'm trying to figure out how they think.
Do they want to learn?
Are they coachable?
Do they take ownership?
Do they care about the people around them, or are they only focused on themselves?
Those answers tell me a lot more than a production report ever will.
I've seen average producers become elite because they had the right mindset.
I've also seen talented loan officers plateau because they weren't willing to adapt.
Production matters.
But mindset predicts where someone is going.
I'd rather invest in someone who's hungry to improve than someone who believes they've already figured everything out.
One of the biggest advantages a loan officer can have is reach.
Not just in their local market.
Nationwide.
I talk to loan officers all the time who are limited by where their company is licensed. They have referral opportunities they simply can't capitalize on because their platform isn't built for it.
That's frustrating.
Your relationships shouldn't be limited by your company's footprint.
When you have access to a national platform, dozens of wholesale lenders, competitive pricing, and the ability to get licensed wherever opportunity takes you, your business changes.
You stop thinking locally.
You start thinking about every referral, every relationship, and every opportunity as something you can actually serve.
The broader your platform, the bigger your opportunity becomes.
The more time you spend working in your loans, the less time you spend getting new ones.
It's really that simple.
Too many loan officers believe production is limited by lead flow.
A lot of the time it's actually limited by capacity.
They're buried in disclosures.
They're chasing conditions.
They're following up on operational tasks that should already be handled.
That's not the highest and best use of a loan officer's time.
Your job is to build relationships.
Create trust.
Generate new business.
The platform should handle the heavy lifting.
When technology and operations are engineered correctly, loan officers get their time back.
And when you get your time back, your production usually follows.
That's how businesses scale.
Most people are thinking about AI completely backwards.
AI isn't coming to replace every loan officer.
It's coming to eliminate the work that loan officers shouldn't be doing in the first place.
That's a huge difference.
At Madison, we use AI every day.
Not to replace our people.
To make our people faster.
If AI can organize borrower documents in seconds instead of forcing someone to spend hours sorting files, that's a win.
Not because someone lost their job.
Because someone gained time.
And time is the most valuable asset a loan officer has.
Every minute you're not buried in paperwork is another minute you can spend building relationships, generating referrals, and growing your business.
That's where AI delivers real value.
Welcome Julian Giaquinto, to Madison Mortgage! 🎉
With 21+ years of experience and a specialization in Reverse Mortgages, Julian brings trusted expertise to help homeowners find the right financial solutions.
Madison Mortgage is now licensed across 47 states and building a stronger national presence every day.
Welcome to Madison, Julian! 👏
Julian Giaquinto NMLS #56473
Madison Mortgage Services | NMLS #1862796