The ball has dropped, the party decorations are packed away and, for the #TeamloanDepot , it’s back to the business of helping responsible borrowers across the country with their financial needs…or as some might say…back to business as usual for America’s lender.

But with these fresh January days come moments of reflection, during which we consider what our goals for the new year will be.

We asked our colleagues throughout the #TeamloanDepot family of brands to share their financial goals for 2016. We’ve included a few of them below and hope you find ours to be similar to your own. Better yet – share your financial resolutions for 2016 with the loanDepot blog community. We’d love to hear from you!

Stephen Campbell – Mortgage Master

I learn from my clients all the time. I’ve seen first-hand how fast someone’s financial freedom can come from a few small tasks. It’s one thing to read about it in financial planning books, but to see it in actual practice is quite compelling.

My New Year’s resolution this year is to continually make slightly larger payments than my mortgage requires in an effort to drive my principle balance down as fast as I can. Therefore effectively driving my rate of interest down when calculating the actual interest paid versus what was initially scheduled to occur.

The cost of knocking off several years of my mortgage is less than the cost of my morning Dunkin’ Donuts coffee. Now, I am not saying that I am giving up my morning cup of joe, as that would be absurd. However, I could retire much earlier if my home was paid off early and I’ll live longer without the bagel.

Raquel Houser – LDWholesale

To pay off bills and save money to purchase a house for myself and my kids to call home!

Kenneth Parker - loanDepot

To start a college fund for my three-month-old son.

Michelle Beccarelli – imortgage

My husband and I have a savings goal of $5,000 EXTRA for 2016.

Amber Johnson – Mortgage Master

To purchase my first home!

Leslie Camp - loanDepot

After almost two decades of dedicated saving and careful budgeting, 2016 is the year that my husband and I will pay off our mortgage and own our home free and clear!

Tanya Wright – LDWholesale

My financial goal for 2016 is to pay off all debt aside from the mortgage, and get my mortgage to under 80% LTV to refi without MI.

Corey  Paul – imortgage

My financial resolution  for 2016 is to contribute more to my 401K to increase my savings for retirement.

Winston Callaway – Mortgage Master

My resolution is to continue to change my life for the better. I want to make this the year I can start to give back to those who have helped me in the last couple of years. I want to be able to afford a new home, and not have to stress about bills and I want to finally afford a vacation for my family.

Making your financial goals come to fruition is our goal for 2016. Whether it’s buying your first home, making a much-needed home improvement a reality with a home equity loan, or making more room in your budget by consolidating debt with a personal loan, we are here to help.

What are your financial goals for 2016? Share them in the comments below.