
Episode #1115
Season 93, Episode 1115: Guest: Todd Bitter: Answer Your Damn Phone
Success rarely comes from doing extraordinary things. More often, it comes from doing the ordinary things extraordinarily well. In this episode, Jay Doran sits down with Todd Bitter , National Sales Director at NEXA Lending, to unpack the principles that have guided his remarkable career in the mortgage industry. From surviving the 2008 housing crisis to helping thousands of families achieve homeownership, Todd shares why communication, consistency, and relentless service continue to outperform shortcuts and trends. Todd reflects on rebuilding his business from nearly nothing after the housing collapse, the unconventional survey that transformed his career, and the philosophy behind his well-known mantra: "Answer Your Damn Phone." What began as a commitment to returning calls evolved into a broader lesson about showing up, creating trust, and being available when people need you most. In this episode, you'll discover: How the 2008 housing crisis forced Todd to reinvent his business from the ground up Why relationships—not transactions—create lasting success The creative strategy that helped him build partnerships with real estate agents Why communication is still the greatest competitive advantage in business How optimism and personal accountability create resilience during difficult seasons The deeper meaning behind "Answer Your Damn Phone" Why homeownership remains one of the strongest long-term wealth-building tools available How successful professionals stay focused on opportunity instead of market headlines The daily habits that separate top performers from everyone else Throughout the conversation, Todd shares deeply personal stories—from rolling quarters to buy groceries during one of the lowest points of his career to keeping those same quarters in his desk decades later as a reminder to stay humble, disciplined, and grateful. His journey is a powerful example of what can happen when determination meets consistency. The biggest lesson isn't about mortgages. It's about showing up. Showing up when it's inconvenient. Showing up when others don't. Showing up long before success arrives. Because opportunities don't always announce themselves. Sometimes they simply call. The question is... Will you answer?





