By Jan Cotten, REALTOR® · Sun City, Arizona

Your Real Estate Consultant For Life

Seven chapters on trust, connection and a career that began in 1975

This is Jan Cotten's own story: the parents who shaped her, the bet in Fairbanks that started her career, and the lessons a lifetime of transactions has taught her about listening, negotiating and earning trust. All seven chapters are here to read.

Your Real Estate Consultant For Life by Jan Cotten, book cover
Jan Cotten, REALTOR® and Associate Broker, Sun City, Arizona
About the Author

Jan Cotten, the consultant behind the book

Jan Cotten is a REALTOR® and Associate Broker with AXEN Realty, LLC in Sun City, Arizona. She began her career in 1975 in Fairbanks, Alaska, practiced in California, and has lived and worked in the Sun City corridor since 2004.

Her practice centers on the decisions that carry the most weight: senior transitions and downsizing, estate, probate and trust sales, and buying and selling in Sun City, Sun City West and Surprise. She also holds HECM reverse mortgage licensure (NMLS #2080617), so clients can weigh every equity option with one advisor.

This book is the story behind that practice, written so that a future client can know who they are calling before the phone rings.

Call or text 623-523-4203

Chapters

Seven chapters, one career

Open any chapter to read it in full, from Roots and Foundations to Unmasked.

As I sit here reflecting on the journey that brought me to where I am today, I can't help but smile. You see, every story has a beginning, and mine starts in the heart of Houston, Texas, with two young souls who had no idea they were about to shape the future of a real estate maverick.

I'm Jan Cotten, and if you're reading this, chances are you're curious about what makes a real estate agent tick. Well, buckle up, because we're about to take a trip down memory lane, and I promise you, it's going to be one heck of a ride.

My parents, Helen and James, were barely out of their teens when they had me. Mom had just turned 18, and Dad was a whopping 19 years old. Now, you might think that's a recipe for disaster, but let me tell you, those two had more determination in their little fingers than most people have in their entire bodies.

From the get-go, they were adamant that I wasn't going to be the "bratty kid" like all their friends had. I didn't know it then, but I was being molded into something special, picture this: a tiny tot, perfectly behaved, sitting still in a room full of adults. That was me, their little "perfect doll," as I like to call it now. I didn't fidget, I didn't cause a ruckus: I just sat there, taking it all in. Little did I know, I was absorbing lessons that would serve me well for decades to come.

Now, don't get me wrong. I wasn't some robotic child. I was just... different. I remember this one time, I must have been about four years old, and we had some friends over. Their little girl threw an epic tantrum to get what she wanted. And you know what? Her mom gave in. Well, let me tell you, that was an eye-opener for little Jan. I thought to myself, "I've never tried that before."

So, being the quick study that I was, I decided to give it a whirl. The next time I wanted something and got a "no," I threw myself on the kitchen floor, kicking and screaming. I thought I was so clever. But my mom? Oh, she had other plans.

Without saying a word, she calmly walked to the fridge, took out a pitcher of ice-cold water, and poured it right over my head. Then, she handed me a towel, got down on the floor, and started cleaning up. We didn't exchange a single word. I was sputtering, shocked by the cold water but more shocked by her reaction. When we finished cleaning up, I trudged to my room, changed into dry clothes, and never tried that stunt again.

Now, you might be thinking, "Jan, that's harsh!" But let me tell you, that moment taught me more than any lecture ever could. My mom showed me that actions speak louder than words, and sometimes, the most powerful response is no response at all. She just let the natural consequences of my actions play out.

That's a lesson I carry with me to this day, especially in my real estate career. When a client is acting out or being unreasonable, I don't get into arguments or throw a tantrum of my own. I let the market, the facts, and the reality of the situation speak for themselves. It's amazing how effective that can be.

Dad's Lessons: High I Behavior and Curiosity

But let's rewind a bit. My parents, Helen and James, were quite the duo. Dad was the salesman, the charmer, the one who could talk to anyone about anything. Mom was the detail-oriented planner, the one who made sure all the I's were dotted and T's were crossed. Together, they were an unstoppable force, and they passed on some invaluable lessons to me.

From my dad, I got my "high I" behavior, that's "I" for "Influence" in the DISC personality assessment, for those of you who are familiar with it. Dad could strike up a conversation with a lamppost if given half a chance. He worked for a big coffee company, had a delivery route, and was always adding new customers. He was a top salesman, constantly winning awards, and even at 85, he still has that charm.

Dad taught me that everyone is a potential friend and everyone deserves respect. In the South, where I grew up, respect was a big deal. Anyone even a minute older than you was "sir" or "ma'am." It might seem old-fashioned now, but it instilled in me a deep sense of regard for others, regardless of their age or status.

But perhaps the most valuable gift my dad gave me was his sense of curiosity and adventure. Every Sunday after church, he'd take us kids on an "adventure." He wouldn't tell us where we were going, and of course, we'd pester him with questions: "Where are we going? What are we doing? Are we going to eat?" But he always had the same response: "Just relax. Enjoy the day. I'll tell you one certain thing, the worst that's going to happen today is you learn something new. The best? Well, you might just learn more than one new thing."

That philosophy has been a guiding light in my life and my career. Every new client, every new transaction, every new challenge, they're all adventures. And the worst that can happen? I learn something new. The best? I learn many new things. It's an outlook that's served me well over the years, especially in a business as dynamic and ever-changing as real estate.

Mom's Lessons: Details and Preparation

Now, my mom, Helen, she was cut from a different cloth. Where Dad was all about the big picture and grand adventures, Mom was the one who taught me the importance of the details. She'd always say, "Jan, when you're fixing a meal, it's okay to throw a little bit of this and a little bit of that in there. You're experimenting, and that's okay. But when you're baking, that's chemistry. You have to make sure you put the right ingredients in the right place, or it's not going to turn out right."

That lesson has stuck with me throughout my life and career. In real estate, there are times when you can improvise and get creative, like when you're staging a home or negotiating a deal. But there are also times when you need to follow the recipe exactly, like when you're handling legal documents or managing escrow accounts. Knowing the difference between when to experiment and when to follow the rules to the letter is crucial in this business.

Mom also taught me the value of preparation. She'd always say, "If you fail to prepare, you prepare to fail." It's why I spend hours researching and preparing before every listing appointment. It's why I have systems and processes in place for every aspect of my business. It's why my clients can trust that when I show up, I'm ready to handle whatever comes our way.

However, perhaps the most important lesson I learned from both my parents was the value of honesty. "Tell the truth," they'd say. "Whatever you've done, telling the truth about it will always be better than lying." My dad would add, "Baby, if you just tell the truth, you don't have to remember what you said to everybody. You just simply tell them the truth."

In real estate, where trust is everything, this lesson has been invaluable. I've seen agents try to dance around the truth, sugarcoat bad news, or make promises they can't keep. But in my experience, honesty, even when it's not what the client wants to hear, is always the best policy. It might cost you a listing in the short term, but it builds a reputation that lasts a lifetime.

You see, real estate isn't just what I do, it's who I am. It's not a job I clock in and out of. It's a calling, a passion, a way of life. And it all started with two young parents in Houston, Texas, who decided their little girl was going to be something special.

As I sit here, with a real estate career that began in 1975, thousands of transactions completed, countless lives touched, I can't help but feel grateful. Grateful for Helen and James, for the lessons they taught me, for the foundation they gave me.

And you know what? I'm grateful for you, too. Thank you for taking the time to read this and get to know me a little better. Because at the end of the day, that's what real estate is all about, it's about people. It's about connections. It's about trust. So, as we embark on this journey together through the pages of this book, I want you to know that you're not just reading about a real estate agent. You're getting to know Jan Cotten, daughter, mother, real estate professional, and eternal student of life. And I promise you, just like those Sunday adventures with my dad, the worst that can happen is you'll learn something new. The best? Well, you might just learn a whole lot of new things.

Life has a funny way of taking you places you never expected to go. If you had told me back in 1975 that I'd end up as a real estate broker in Sun City, Arizona, I probably would have laughed in your face. But here I am, and what a journey it's been. And let me tell you, there are plenty of lessons along the way that'll help you understand why working with an experienced agent like me can make all the difference in your real estate journey.

A Bet That Changed Everything

It all started with a bet. Can you believe it? There I was, barely 21 years old, living in Fairbanks, Alaska, of all places. I had gotten married at 17 (note to self: marrying young to spite your mom isn't the best life choice) and found myself in the Last Frontier due to my then-husband's military posting.

Now, Fairbanks in the 1970s wasn't exactly a hotbed of opportunity for young women. It was a male-dominated world, and real estate was no exception. But remember what I told you about my dad and his adventurous spirit? Well, the apple doesn't fall far from the tree.

One frigid Friday night, over cocktails with friends (because what else do you do in Alaska in the middle of winter?), I started complaining about the local real estate agents. We had recently bought and sold a house, and let me tell you, the service was less than stellar. In my youthful bravado, I declared that anyone could do a better job.

Well, my friends called my bluff. They bet me that I couldn't pass the real estate exam. Challenge accepted!

The next morning, nursing a slight hangover and wondering what I'd gotten myself into, I marched across the street to the real estate office, filled out an application, and sent in my photo. (Yes, in Alaska, you needed a photo for your real estate license. Go figure.)

Suddenly, it hit me. What had I done? My ego had written a check my knowledge couldn't cash. But you know what? That's when my mom's voice popped into my head: "If you're going to do something, do it right." So, I buckled down, got the study materials, and passed that exam.

Little did I know that this impulsive bet would set me on a path that would define the rest of my life.

The Early Days: Learning the Ropes in a Man's World

Let me paint you a picture of what real estate was like back in 1975. Contracts were one page long. There was no such thing as continuing education. The Multiple Listing Service (MLS)? Forget about it. Cooperation between agents? Minimal at best.

And there I was, a 21-year-old woman trying to make it in a field dominated by men old enough to be my father. Talk about a challenge!

But you know what? Those early days taught me some invaluable lessons that I still carry with me today. Lessons that benefit every client I work with.

Lesson 1: Always Be Learning

Without formal training programs, I had to learn on the job. Every transaction was a new adventure, just like those Sunday drives with my dad. I made mistakes, sure, but I learned from each one. This constant learning has become a cornerstone of my career. The real estate market is always changing, and to serve my clients best, I need to stay ahead of the curve. When you work with me, you're not just getting my experience from 1975, you're getting continuous learning and adaptation that has never stopped since 1975.

Lesson 2: Persistence Pays Off

Breaking into a male-dominated industry wasn't easy. There were plenty of times when I was overlooked or underestimated. But I remembered my mom's tenacity and my dad's charm, and I persevered. This persistence serves my clients well today. Whether it's negotiating a tough deal or finding that perfect property that seems impossible to locate, I don't give up easily. When you hire me, you're getting an agent who will go to bat for you, no matter what.

A New Chapter: The Move to Arizona

Fast forward a few years (okay, more than a few), and my journey took another unexpected turn. After years in the real estate business in various locations, including a stint in California, I found myself drawn to the sunny landscapes of Arizona.

In 2003, I made the move to the Phoenix area, specifically to Sun City, a 55+ community on the northwest side. It was quite a change from the snowy expanses of Alaska!

Lesson 3: Embrace Change

Moving from Alaska to Arizona was like stepping into a different world. The climate, the culture, the real estate market, everything was different. But instead of being intimidated, I was exhilarated. I threw myself into learning everything I could about my new market. I studied the unique needs of retirees and snowbirds. I familiarized myself with the local laws and regulations. In short, I became an expert in my new environment.

This ability to adapt and thrive in new situations is something I bring to every client interaction. Whether you're a first-time homebuyer nervous about the process, or a seasoned investor looking to expand your portfolio, I can adapt to your needs and guide you through the process with expertise and care.

The Evolution of Real Estate

One of the most fascinating aspects of my journey in real estate has been witnessing the incredible evolution of the industry. Remember those one-page contracts I mentioned earlier? Well, let me tell you, things have changed just a bit since then!

Now, we're dealing with multi-page contracts, digital signatures, virtual tours, and a whole host of technological advancements that have transformed the way we buy and sell properties. It's a whole new world out there, and it can be overwhelming for many buyers and sellers.

But here's where my experience comes in handy. I've seen it all, from the simplest transactions to the most complex deals. I've adapted to each new technology and regulation, always with one goal in mind: to serve my clients better.

When you work with me, you're getting the best of both worlds, the wisdom that comes from decades of experience combined with up-to-the-minute knowledge of the latest industry trends and technologies.

Key Lessons from the Journey

My journey from Alaska to Arizona wasn't just a change in geography. It was a transformative experience that shaped me as a real estate professional and as a person. Flexibility is key: no two transactions are alike, and being able to adjust my approach to each unique situation is crucial. Community matters: real estate isn't just about properties, it's about people and the communities they live in. Relationships are everything: building strong connections is the cornerstone of success. And never stop learning: what works in one market might not work in another.

So, whether you're looking to buy your first home, sell your family property, or invest in real estate, remember this: with Jan Cotten, you're not just getting a real estate agent. You're getting a partner who has journeyed from the frozen tundra to the desert sands, learning valuable lessons every step of the way. And I'm ready to put all that experience to work for you.

If you've made it this far, you're probably starting to get a sense of who I am and how I approach this business we call real estate. But now, I want to let you in on what I consider to be the secret sauce of my success: the art of connection.

You see, over my years in this industry since 1975, I've learned that real estate isn't just about properties, contracts, and transactions. At its core, it's about people. It's about understanding their needs, their dreams, and sometimes, their deepest fears. And what is the key to unlocking all of that? Well, it's simpler than you might think. It's about asking the right questions and, more importantly, truly listening to the answers.

The Power of Curiosity

Remember how I told you about my dad's Sunday adventures? How he'd pile us kids into the car, destination unknown, with the promise that the worst thing that could happen was learning something new? Well, that sense of curiosity he instilled in me has become one of my most powerful tools in building connections with clients.

When I meet a new client, I don't jump straight into talking about square footage, school districts, or market trends. Instead, I channel my inner four-year-old (minus the tantrums, of course) and get curious. I ask questions. Lots of them.

"What made you decide to buy or sell now?" "What does your ideal home look like?" "How do you envision your life in five years?" These aren't just idle chitchat. Each question is a stepping stone, leading us down a path of understanding and trust.

The Art of Listening: More Than Just Hearing

Now, asking questions is only half the battle. The real magic happens in how you listen to the answers. And let me tell you, there's a big difference between hearing and listening.

Hearing is passive. It's what you do when you're half-watching TV while scrolling through your phone. Listening, real listening, is active. It's engaging. It's about being fully present in the moment, picking up not just on the words being said but the emotions behind them.

I learned this lesson early on in my career. I remember one client, let's call her Sarah. On the surface, Sarah was looking for a larger home for her growing family. Pretty straightforward, right? But as I listened, really listened, to her responses to my questions, I picked up on something deeper.

There was a hint of anxiety in her voice when she talked about moving to a new neighborhood. A slight hesitation when discussing the idea of a bigger mortgage. These weren't things she said outright, but they were there, hidden between the lines.

By picking up on these subtle cues, I was able to address Sarah's unspoken concerns. We looked at homes that offered more space but were still in familiar areas. We discussed financing options that would keep her monthly payments manageable. In the end, we found a home that not only met her family's needs but also gave her peace of mind.

The Trust Bridge: From Agent to Advisor

Now, let's talk about something I like to call the "Trust Bridge." It's that magical moment when you cross over from being just another real estate agent to becoming a trusted advisor. And let me tell you, it's a beautiful thing to experience.

So, how do we build this Trust Bridge? Well, it starts with those questions I mentioned earlier. But it's more than just asking them, it's about showing genuine interest in the answers. It's about remembering the little details your clients share and bringing them up in future conversations. It's about proving, time and time again, that you're not just in this for a quick commission but that you truly care about their well-being.

The moment you cross the Trust Bridge is almost tangible. You can feel the shift in energy. Suddenly, your clients are more open and more honest. They start sharing their real fears and dreams, not just the surface-level stuff. And that's when the magic happens.

I remember one couple, let's call them Tom and Lisa. They came to me looking to downsize after their kids left for college. On the surface, it seemed like a straightforward empty-nester situation. But as we built that Trust Bridge, they opened up about their real motivations. Turns out, Tom had recently been diagnosed with a chronic illness. They weren't just looking for a smaller home, they were looking for a place where Tom could comfortably age in place. Armed with this knowledge, I was able to focus our search on homes with features that would accommodate Tom's needs both now and in the future. We found them a beautiful single-story home with wide doorways, a walk-in shower, and other accessible features.

The "What's Important About That?" Technique

One of my favorite techniques is what I call the "What's Important About That?" method. It's simple but incredibly effective. Here's how it works: ask an initial question about what the client wants or needs, listen to their answer, then ask "What's important about that to you?" Listen again. Repeat as needed. This technique allows you to dig deeper and get to the heart of what really matters to your clients. Sometimes, it takes asking "What's important about that?" three, four, or even five times before you get to the real core of the issue.

I remember using this technique with a client who said he wanted a home with a big backyard. By the third round of "What's important about that?", we'd gotten from "big backyard" to concerns about modern childhood and family values. That's the power of this technique. It allows you to understand not just what your clients want but why they want it.

The Importance of Silence

Here's a tip that might surprise you: sometimes, the most powerful question isn't a question at all. It's silence. In our fast-paced world, we're often uncomfortable with silence. We rush to fill it, to keep the conversation going. But in my experience, some of the most profound insights come in those moments of quiet reflection.

When you ask a deep question, give your clients time to think. Don't rush to fill the silence. Let them process, let them reflect. You might be amazed at what they come up with when you give them the space to really ponder their answers.

The Jan Cotten Promise

So, here's my promise to you. Whether you're a first-time homebuyer, a seasoned investor, or someone looking to sell your family home, when you work with me, you're not just getting a real estate agent. You're getting someone who will take the time to truly understand you, your needs, and your dreams.

I promise to ask the right questions, to listen, really listen, to your answers. I promise to build that Trust Bridge, to be not just your agent, but your advisor, your advocate, your partner in this journey. Because at the end of the day, real estate isn't just about properties. It's about people. It's about connections. It's about trust. And that's an art I've been perfecting since 1975.

Alright, let's talk about something that often strikes fear into the hearts of both buyers and sellers: Negotiation. Now, I can almost hear you groaning. But stick with me here, because I'm about to let you in on a little secret. Negotiation isn't about winning or losing. It's not about outsmarting the other party or getting the best deal at any cost. No, true negotiation mastery is about something much more profound: it's about uncovering and meeting the real needs of everyone involved.

The Heart of Negotiation

In my career in this business since 1975, I've come to realize that every negotiation is like an iceberg. What you see on the surface, the price, the terms, the conditions, that's just the tip. The real substance, the part that really matters, lies hidden beneath the surface. And that's where the magic happens.

Let me tell you a story to illustrate what I mean. A few years back, I was working with a lovely couple, let's call them the Johnsons. They were selling their family home, a beautiful property they'd lived in for over 30 years. On the surface, their need seemed simple: they wanted to get the highest price possible for their home.

But as we talked, using those questioning techniques I told you about: I uncovered something deeper. Yes, they wanted a good price, but what they really needed was peace of mind. They were downsizing and moving to a retirement community, and they were terrified of making a mistake. They weren't just selling a house, they were saying goodbye to a lifetime of memories.

Understanding this changed everything about how we approached the negotiation. Sure, we still aimed for a great price, but we also focused on other elements that would give them that peace of mind they so desperately needed.

The Power of the Plan B

Now, let's talk about something I like to call "The Power of the Plan B." In any negotiation, it's crucial to understand not just what the other party wants, but what alternatives they have. In negotiation lingo, this is often called the BATNA, the Best Alternative To a Negotiated Agreement. But I prefer to keep things simple. I just call it Plan B.

Here's how it works. Whenever I'm preparing for a negotiation, I always ask my clients, "What's your Plan B?" If we can't reach an agreement here, what will you do instead? This question does two important things: it helps my clients think through their options, reducing stress and panic during negotiations, and it gives us a benchmark to measure any offers against.

But here's the real kicker: I don't just do this for my clients. I try to figure out the other party's Plan B too. Because when you understand everyone's alternatives, you can often find creative solutions that work for all parties.

The Three Levels of Negotiation

In my years of experience, I've found that there are three levels to any real estate negotiation. The Surface Level is what most people focus on, the price, the closing date, the repairs to be made. It's important, sure, but it's just the tip of the iceberg. The Practical Level goes a bit deeper, it's about understanding the practical needs of each party. Does the seller need a quick close because they're starting a new job in another city? Does the buyer need a longer escrow to get their financing in order? The Emotional Level is the deepest and often the most crucial. What are the emotional needs driving this transaction? Is the seller struggling to let go of their family home? Is the buyer anxious about making such a big financial commitment?

Mastering negotiation means being able to operate on all three levels simultaneously. It's about finding that sweet spot where the surface details align with the practical needs and emotional desires of all parties involved.

Breaking Down Barriers

One of the biggest obstacles in negotiations is often not the issue at hand but the walls people put up. They come in defensive, expecting a fight, and that attitude can derail even the most promising deal. So, one of my favorite techniques is what I call "breaking down barriers." It's simple, really. Before we dive into the nitty-gritty of the negotiation, I try to find some common ground. Maybe we both love dogs, or enjoy gardening, or have kids the same age. Anything to remind both parties that we're all just people trying to reach a mutually beneficial agreement.

The Power of Patience

Let me tell you something that might surprise you. In my experience, one of the most powerful tools in negotiation isn't a clever tactic or a persuasive argument. It's patience. In our fast-paced world, we often feel pressured to reach an agreement quickly. However, rushing can lead to missed opportunities and unsatisfactory outcomes. Sometimes, the best thing you can do in a negotiation is... nothing. Just wait.

I call this "comfortable silence." When you're comfortable with silence, you give the other party space to reflect, to reconsider, to come up with new ideas. And often, that's when the real breakthroughs happen.

Creativity in Negotiation

Some of the best negotiations I've been part of didn't end with a compromise, they ended with a creative solution that gave both parties more than they initially asked for. That's because great negotiation isn't about splitting the difference or finding a middle ground. It's about expanding the pie, about finding new ways to create value for everyone involved.

I remember one negotiation where we were stuck on the price. The buyers couldn't go any higher, and the sellers wouldn't go any lower. We were at an impasse. But then, through our conversations, I discovered that what the sellers really wanted wasn't just money, they wanted to ensure their beloved garden would be well-cared for. So, we got creative. We included a clause in the contract where the buyers agreed to maintain the garden for a year and allow the sellers to visit occasionally. Suddenly, the price difference didn't seem so important. We had found a way to meet the sellers' emotional needs that went beyond just dollars and cents.

The Jan Cotten Negotiation Promise

So, here's my promise to you when it comes to negotiation. When you work with me, you're not just getting someone who can haggle over price. You're getting a skilled negotiator who will take the time to truly understand your needs, both practical and emotional, prepare thoroughly for every negotiation, listen actively and communicate clearly, think creatively to find solutions that benefit all parties, stay calm and focused even in difficult situations, and always keep your best interests at heart.

Because, at the end of the day, negotiation isn't about winning or losing. It's about finding solutions, building relationships, and helping you achieve your real estate goals. So, whether you're buying your dream home or selling a cherished property, know that with me, you have a skilled negotiator in your corner.

You know, when I look back on my career in real estate, sometimes even I have trouble believing the numbers. 4,000 transactions. That's 4,000 homes bought and sold, 4,000 dreams realized, and 4,000 new chapters started in people's lives. But you know what's even more mind-boggling? The lessons I've learned along the way.

Now, I'm not talking about the kind of lessons you learn in a classroom or from a textbook. I'm talking about real, hands-on, sometimes-painful, always-valuable life lessons. And let me tell you, each transaction came with at least four big takeaways. Do the math, and that's 16,000 lessons learned over the course of my career.

The Early Years: Learning the Ropes

When I first started out in real estate back in 1975, I was as green as they come. Sure, I had passed the exam (remember that bet?), but let me tell you, no test can prepare you for the real world of real estate.

Lesson 1: Humility Is Your Best Friend

I learned this lesson the hard way when I confidently told my very first clients that I could sell their house in no time. Two months later, with no offers in sight, I had to swallow my pride and admit I needed help. I reached out to a more experienced agent, and together, we came up with a new strategy that got the house sold. From that day on, I've always remembered that it's okay not to know everything. What's important is being willing to learn and ask for help when you need it.

Lesson 2: The Devil Is in the Details

Early in my career, I nearly cost a client their dream home because I misread a crucial detail in the contract. It was a small thing, a misplaced decimal point, but it could have had big consequences. That taught me to always double-check everything. In real estate, even the smallest details can make a huge difference.

The Middle Years: Riding the Waves of Change

As I gained experience and built my reputation, the real estate market was changing rapidly. New technologies were emerging, market conditions were fluctuating, and client expectations were evolving.

Lesson 3: Adapt or Become Obsolete

I remember when computer listings first started replacing the big, bulky MLS books we used to lug around. Some agents resisted the change, insisting that the old way was better. But I saw the potential in this new technology and jumped in with both feet. It wasn't easy learning all those new systems, but it gave me a competitive edge. And more importantly, it taught me a valuable lesson: in real estate, as in life, change is the only constant. Embrace it, or risk being left behind.

Lesson 4: Every Market Is an Opportunity

I've been through more market ups and downs than I can count. Boom times, recessions, bubbles, bursts, you name it, I've seen it. During the 2008 housing crisis, when many agents were struggling, I focused on helping clients navigate short sales and foreclosures. It wasn't easy work, but it allowed me to help people in difficult situations while keeping my business afloat. The lesson? Don't fear market changes. Instead, look for the opportunities they present.

The Later Years: Mastering the Art

As I entered the later stages of my career, I found myself facing a new challenge: how to stay relevant in a rapidly changing industry while leveraging my years of experience.

Lesson 5: Never Stop Learning

You might think that after decades in the business, I'd know everything there is to know about real estate. But the truth is, I learn something new almost every day. Whether it's a new law, a new technology, or a new market trend, there's always something to learn in this business. I make it a point to attend industry conferences, take continuing education courses, and stay up-to-date with the latest real estate news. Because in my book, the day you stop learning is the day you stop growing.

Lesson 6: Your Reputation Is Your Most Valuable Asset

Over the years, I've come to realize that in real estate, your reputation is everything. It's not just about making sales, it's about building relationships and trust. I once had a client who was ready to make an offer on a house. But something didn't feel right. The price seemed too good to be true, and there were some red flags in the property's history. I could have pushed for the sale, after all, it would have been a nice commission. But instead, I advised my client to walk away. Months later, that same client referred three of her friends to me. Why? Because she knew I had her best interests at heart, even when it meant losing a sale.

Lesson 7: Empathy Is Your Superpower

I'll never forget the time I worked with a family who was selling their home after losing a loved one. It was a difficult, emotional process for them, and I quickly realized that my job wasn't just to sell a house, it was to be a supportive presence during a challenging time. I learned to listen more than I spoke, to be patient when decisions were difficult, and to offer support that went beyond just real estate advice. That experience taught me that empathy isn't just a nice-to-have in this business, it's an essential skill.

Lesson 8: Sometimes, It's Not About the Sale

Early in my career, I was all about making the sale. But over time, I've learned that sometimes, the best thing you can do for a client is to advise them not to buy or sell. I once had a young couple who were eager to buy their first home. They had found a property they loved and were ready to make an offer. But as we went through their finances, I realized that buying at that time would put them under significant financial strain. It wasn't an easy conversation, but I advised them to wait, save more, and improve their credit score before buying. A year later, they were in a much better financial position and found an even better home that they could comfortably afford. Sometimes, the best service you can provide is honest advice, even if it means losing a sale in the short term.

The Jan Cotten Learning Promise

So, here's my promise to you when it comes to learning and growing in real estate. When you work with me, you're not just getting experience that dates to 1975, you're getting an agent who is always learning and staying up-to-date with the latest in real estate, open to new ideas and approaches, willing to admit when I don't know something and eager to find the answer, and committed to applying the lessons I've learned to help you achieve your real estate goals.

Because at the end of the day, all these transactions, all these lessons, they're not just numbers or notches on my belt. They're experiences that have shaped me, skills that I've honed, and knowledge that I can put to work for you. Remember, in real estate, as in life, the learning never stops. And I wouldn't have it any other way.

The Trust Bridge isn't just a catchy phrase, it's the very foundation of how I approach my work. It's the difference between being just another real estate agent and becoming a trusted advisor to my clients. And let me tell you, that difference is everything.

The Moment of Truth

You know that moment when you're talking with a client, and suddenly, the energy in the room shifts? The walls come down, the pretenses fall away, and you're no longer just discussing square footage and school districts. You're having a real, honest conversation about hopes, fears, and dreams. That's the moment you start crossing the Trust Bridge.

I remember the first time I experienced this shift. I was working with a couple, let's call them Tom and Sarah. On the surface, they were looking for a larger home for their growing family. Pretty straightforward, right? But as we talked, really talked: I sensed there was more to the story. So I asked a simple question: "What's driving this move for you?"

The look they exchanged told me everything. Sarah took a deep breath and said, "Well, Jan, the truth is... I just lost my job. We're worried about our finances, but we also know we need more space with the new baby coming. We're not sure what to do." In that moment, everything changed. We weren't just discussing real estate anymore. We were talking about life, about fears and uncertainties, about balancing needs and wants in the face of unexpected challenges. That's when I knew I had crossed from being their agent to becoming their advisor.

The Elements of Trust

So, what exactly goes into building this Trust Bridge? I've found there are several key elements: Genuine Curiosity, when you show genuine curiosity about your clients' lives, needs, and dreams, you're laying the first plank in that Trust Bridge. Active Listening, it's not enough to ask the questions; you have to really listen to the answers, not just to the words, but to the emotions behind them, to the things left unsaid. Honesty and Transparency, your clients need to know that you'll always tell them the truth, even when it's not what they want to hear. Expertise, trust is built on the foundation of competence; your clients need to know that you know your stuff inside and out. Empathy, real estate transactions are often emotionally charged, and being able to understand and relate to your client's feelings is key to building trust. Consistency, trust isn't built in a day; it's built through consistent actions over time.

The Advisor's Toolkit

Once you've crossed that Trust Bridge and become an advisor, your role changes. You're no longer just facilitating a transaction, you're guiding your clients through a significant life decision. And that requires a whole new set of tools.

The Art of Asking "Why?"

One of the most powerful tools in an advisor's kit is the ability to dig deeper. To not just accept what clients say they want, but to understand why they want it. I had a client once who insisted he needed a home with a three-car garage. Now, I could have just nodded and started looking for homes with three-car garages. But instead, I asked, "Why is that important to you?" Turns out, what he really wanted was a workshop space where he could pursue his hobby of restoring classic cars. The three-car garage was just one way to get that. By understanding the "why" behind his request, we were able to consider options he hadn't even thought of, like homes with detached workshops or large basements that could be converted.

The Power of Scenario Planning

Another tool I use frequently is scenario planning. This involves helping clients think through different possible futures and how their real estate decisions might play out in each. For example, I worked with a young couple who were torn between buying in the city or the suburbs. Instead of just listing the pros and cons, we talked through different scenarios. What if they had kids in the next few years? What if one of them got a job offer in another part of town? What if they decided to start a home-based business? By thinking through these scenarios, they were able to make a decision that aligned not just with their current needs, but with their potential future needs as well.

The Courage to Say "No"

Perhaps the most difficult, but most important, tool in an advisor's kit is the ability to say "no" when it's in the client's best interest. I once had a client who was determined to buy a particular house. It was at the very top of their budget, needed significant repairs, and was in a flood-prone area. On paper, it ticked all their boxes. But as their advisor, I could see it was a disaster waiting to happen. It wasn't an easy conversation. I knew they had fallen in love with the house. But I sat them down and laid out all the risks. They were disappointed at first, but they trusted my advice. A few months later, we found them a home that was an even better fit, and didn't come with all the risks.

The Long-Term View

When you're an advisor, not just an agent, you're not thinking about a single transaction. You're thinking about your client's long-term well-being. This means considering factors that might not seem directly related to real estate. Things like: How does this purchase fit into their overall financial picture? How does this move align with their career aspirations or family plans? Will this home support the kind of life they want to live?

The Jan Cotten Advisor Promise

So, here's my promise to you as a real estate advisor: I will always put your best interests first, even if it means losing a sale. I will ask the tough questions and dig deep to understand your true needs and wants. I will provide honest, transparent advice, even when it's not what you want to hear. I will consider not just your current situation but your future goals and potential life changes. I will be your partner throughout the entire real estate journey, from initial search to long after you've moved in.

Crossing the Trust Bridge isn't always easy. It requires vulnerability, honesty, and a willingness to dig deep. But let me tell you, the view from the other side is spectacular. It's a place where real estate isn't just about properties and transactions but about helping people build the lives they dream of. After all, in real estate, as in life, trust isn't just important. It's everything. And I'm here to earn your trust, one conversation at a time.

Well, here we are at the final chapter. If you've made it this far, you've gotten to know quite a bit about me, Jan Cotten. You've heard about my journey from a young woman in Alaska to a seasoned real estate professional in sunny Arizona. You've learned about my approaches to building connections, mastering negotiation, and becoming a trusted advisor. But now, it's time to take off the mask completely and show you the real person behind all those transactions.

The Woman Behind the Realtor

You know, it's funny. In this business, we often get so caught up in the numbers, house prices, square footage, closing costs, that we forget there are real people behind every transaction. Well, I'm here to remind you that I'm not just a real estate agent. I'm a person with my own stories, quirks, and passions. And I believe that understanding the person behind the professional can make all the difference in your real estate journey.

So, let's peel back the layers and get real, shall we?

The Early Riser with a Coffee Addiction

First things first: I'm an early riser. Always have been. There's something magical about those quiet hours before the world wakes up. It's when I do my best thinking, planning, and yes, coffee drinking. Oh boy, do I love my coffee. I joke that my blood type is "Caffeinated Positive."

But here's how this quirk of mine benefits you: when you work with me, you're getting someone who's alert, focused, and ready to tackle any challenge from the crack of dawn. Need to schedule an early morning house viewing before you head to work? I'm your gal. Have a question at 7 AM? Chances are, I'm already up and ready to help.

The Lifelong Learner

Remember how I talked about never stopping learning? Well, that goes beyond just real estate. I'm curious about everything. You'll often find me with my nose in a book, taking an online course, or watching documentaries on topics ranging from ancient history to cutting-edge technology. This insatiable curiosity means that when you work with me, you're getting someone who's always looking for new solutions, new perspectives, and new ways to help you achieve your real estate goals. I bring a wealth of knowledge from various fields into my real estate practice, allowing me to think outside the box and offer unique insights.

The Road Trip Explorer

Living in Arizona, it's hard not to fall in love with the beautiful natural landscapes and historical treasures. When I'm not helping clients, you'll find me road-tripping around this amazing state, looking for new scenic views, quaint towns, beautiful ranches, and yes, even vineyards! This love for the landscape and its beauty influences how I approach real estate. When we're looking at properties, I'm not just thinking about the structure itself, but about how it fits into its environment and how that environment can enhance your life.

The Imperfect Perfectionist

Now, here's something that might surprise you: I'm an imperfect perfectionist. What does that mean? Well, I strive for excellence in everything I do, but I've also learned to embrace the beauty of imperfection. In my early years as an agent, I would beat myself up over every little mistake. But over time, I've learned that it's not about being perfect, it's about always striving to do better, to learn from mistakes, and to grow.

This mindset allows me to give my all to every client while also being kind to myself (and to you) when things don't go exactly as planned. Because let's face it, in real estate, as in life, things rarely go exactly as planned. It's how we handle those unexpected twists and turns that really matters.

The Story Collector

Here's something you might not guess about me: I'm a story collector. Every client, every house, every transaction has a story, and I love collecting these stories. They're not just anecdotes to me, they're lessons, inspirations, and reminders of why I do what I do. When you work with me, your story becomes part of my collection. And in return, I can share insights and experiences from other stories that might help guide you on your journey. It's like having access to a living, breathing real estate encyclopedia filled with real-world experiences and lessons.

The Empathetic Listener

Now, let's talk about something that's at the core of who I am, empathy. I'm not just saying this because it sounds good. I genuinely care about people and their stories. When you share your dreams, fears, and challenges with me, I'm not just hearing words: I'm feeling what you're feeling. This empathy allows me to truly understand your needs, even when you might struggle to articulate them yourself. It helps me read between the lines, pick up on unspoken concerns, and offer support that goes beyond just finding you a house.

The Straight Shooter

While we're unmasking, let me reveal another key aspect of my personality: I'm a straight shooter. I believe in honesty, even when it's uncomfortable. If I think a house is overpriced, I'll tell you. If I believe you're making a decision you might regret, I'll voice my concerns. This doesn't mean I'm harsh or insensitive, remember that empathy we just talked about? It's always there. But I believe that true caring sometimes means having those difficult conversations. When you work with me, you can always count on getting my honest opinion delivered with kindness and respect.

The Eternal Optimist

Here's another thing about me: I'm an eternal optimist. Now, don't confuse this with naivety. I've been in this business long enough to know that challenges and setbacks are part of the journey. But I genuinely believe that with persistence, creativity, and a positive attitude, we can overcome any obstacle. This optimism is contagious. When the house hunting process gets frustrating, when negotiations get tough, or when unexpected issues arise, my optimism can help keep your spirits up and your eyes on the prize. After all, finding or selling a home should be an exciting journey, not a dreary chore.

The Tech-Savvy Traditionalist

Now, here's an interesting contradiction about me: I'm a tech-savvy traditionalist. I embrace new technologies that can make the real estate process smoother and more efficient. Virtual tours, digital signatures, AI-powered market analysis: I'm all for it. But at the same time, I hold onto the traditional values that I believe are the bedrock of good real estate practice. Things like personal connections, handwritten thank-you notes, and face-to-face meetings (when possible and preferred). When you work with me, you get the best of both worlds, cutting-edge tools and technologies combined with good old-fashioned personal service.

The Proud Grandmother

Here's a personal detail that brings me immense joy: I'm a proud grandmother. My grandkids are the light of my life, and spending time with them is my favorite way to recharge after a busy week of real estate work. Why am I sharing this? Because it's a big part of who I am and influences how I work. Being a grandmother has deepened my understanding of family needs in a home. It's made me even more passionate about helping families find spaces where they can create lasting memories. It's also given me a renewed appreciation for the importance of community and neighborhood in the home-buying decision.

Bringing It All Together: The Jan Cotten Experience

So, what does all this mean for you? When you choose to work with me, you're not just hiring a real estate agent. You're partnering with an early riser who's ready to spring into action at a moment's notice; a lifelong learner who brings a wealth of knowledge to every transaction; a road trip explorer who understands the value of location and environment; an imperfect perfectionist who strives for excellence while embracing the realities of life; a story collector who can provide unique insights from years of experience; an empathetic listener who truly understands your needs and concerns; a straight shooter who will always give you honest, respectful advice; an eternal optimist who will keep you motivated throughout the process; a tech-savvy traditionalist who combines modern tools with timeless values; and a proud grandmother who understands the importance of family in home decisions.

The Invitation

So, there you have it. The real Jan Cotten, unmasked and authentic. I've shared my story, my philosophies, and my approaches. I've let you see the person behind the professional. Now, I have a question for you, are you ready to start your real estate journey with someone who brings all of this to the table?

Whether you're buying your first home, selling a cherished property, or looking to invest, I'm here to guide you every step of the way. Not as a faceless agent but as a real person who understands that this isn't just a transaction, it's a significant life event.

Remember, in real estate, as in life, it's the personal connections that truly matter. The right home is about more than just bricks and mortar, it's about finding a place where you can write the next chapter of your life story. So, what do you say? Are you ready to start your real estate journey with the real, unmasked Jan Cotten? Let's talk, because I believe that your story deserves more than just an agent. It deserves a partner, an advisor, and maybe even a friend. After all, at the heart of every real estate transaction is a person, a dream, and a story. And I can't wait to help you write yours.

The Book

What a Consultant For Life means

Your Real Estate Consultant For Life begins in Houston with two teenage parents, Helen and James, who were determined that their daughter would be something special. It moves to Fairbanks, Alaska, where a bet in 1975 started a real estate career, and on to Arizona, where Jan built a practice on relationships that outlast the closing.

Along the way the book explains how Jan works: the art of connection, negotiation that uncovers the real need behind a sale, the lessons of thousands of transactions, and the Trust Bridge, the shift from agent to advisor that happens when a client knows you will tell them the truth.

The final chapter, Unmasked, steps out from behind the transactions and shows the person doing the work.

“Real estate is not about properties. It is about people, connections and trust.”
Jan Cotten, Your Real Estate Consultant For Life
FAQ

Questions about Jan and her approach

What is the Trust Bridge?

It is the shift from being seen as a salesperson to being trusted as an advisor. In the book Jan describes how it is built: by listening, asking the next question, and telling clients the truth even when it is not what they hoped to hear.

How did Jan Cotten get started in real estate?

Her career began in 1975 in Fairbanks, Alaska, on a bet. She went on to practice in California and moved to Sun City, Arizona, in 2004.

How does Jan approach negotiation?

She looks past the stated position to the real need behind it, whether that is timing, certainty, or care for a home that holds a family's history. Meeting that need is often what makes an agreement possible.

What questions should I ask a real estate agent before hiring them?

Jan suggests asking how many transactions they have closed in your specific community recently, what they will tell you that you might not want to hear, and what their relationship with clients looks like after closing.

Who were Helen and James?

Jan's parents. Helen's precision and James's warmth and curiosity shaped the two qualities Jan says real estate demands: attention to detail and genuine connection.

Does Jan work with buyers and sellers in Sun City?

Yes. She has lived and worked in the Sun City corridor since 2004, serving Sun City, Sun City West and Surprise.

Is the full book free to read here?

Yes. All seven chapters are on this page. The paperback is available on Amazon.

How do I reach Jan Cotten?

Call or text Jan at 623-523-4203, or use the email in the footer of this page.

The Library

Four more books by Jan Cotten

Each of Jan's books takes on a different part of a real estate decision. Read them free on their own sites, or buy a copy on Amazon.

Authority CenterEnter the Authority CenterClose to two hundred of Jan's answers on Sun City corridor real estate, in twenty-two subjects.jancotten.com ↗
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