I get a lot of great questions from my fellow loan officers, and I love to share what I’ve learned from my own experience over two decades in the mortgage business. Hopefully these answers might help you out as well. Let’s dive in! Question #1: I’m Overwhelmed At Work. What Do I Do? When I…
Rates are on the rise. Of course we all knew this would happen. It’s the nature of the beast. But it doesn’t mean we feel prepared to face this new (and often scary) environment we find ourselves in right now. I recently sat down with my good friend Steve Kyles to talk about the tools…
Rate shoppers. They’re the bane of our existence as loan officers, right? How do we handle them? How can we keep them from shopping? How do we reel them back in once they start to shop around? The short answer: we don’t. When it comes to rate shoppers, I’d like to offer a different perspective….
Inquiring loan officers want to know: in a competitive market with multiple offers on properties, how do you get your client’s offer accepted? I sat down recently with my friend, Kei Kullberg, in New York’s Hudson Valley to talk about just that. Kei and I met after he started listening to my podcast from his…
The mortgage industry has definitely made a shift in the past few months from a refinance market to a purchase market. So what does that mean for your mortgage business? Well, if you’re like my branch, we did 68% purchase and 32% refinance last year, so things aren’t going to change much for us. But…
My friend Tammy Saul just texted me yesterday and said, “Carl, I’ve got to tell you, I just had my best week ever in the mortgage industry. I got 17 new purchase deals last week.” Not last month, last week. This is a really big deal. Why? Because there’s a lot going on in our…
A woman in our Freedom Club asked for ideas for unique closing gifts recently. She wanted something universal so she didn’t have to come up with a new custom idea for each client. And she wanted something with her branding on it that would make a lasting impression. By “lasting impression,” I assume she meant…
You never get a second chance to make a first impression. You’ve heard that line before, right? And it’s true. Sure, you might get the opportunity to make a second impression, but that first impression happens once and only once. As a loan officer, where are you most likely to make a first impression? Well,…
As a general rule, I don’t do clickbait blog titles, but I might have crossed the line this time. I really do have the best question to ask, but I’ve got some breaking news for you about perfect plans. There is no perfect plan. So many of us spend our time making a plan, trying…
I’ve got a short, simple, but very powerful message for you. Early in my loan officer career, I found myself working like 50, 60, 70 hours a week. And here’s the funny thing. My coworkers encouraged me to work those kinds of hours. They patted me on the back and said things like, “Hey Carl,…
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