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…
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,…
What if I told you I had a short, sweet, and simple script that will most likely bring you more success and help you close more loans than any other one thing you could do? Would you want me to share it with you? It would be my pleasure. This script is so simple, so…
Whether you’re just opening up a mortgage branch, or you already have a high-level branch, who doesn’t want to maximize their profits? I’ve been running a branch for years and years and have one of the largest branches in the nation. I should know everything by now, right? Not even close. I recently sat down…
Oh no! The sky is falling! Meteors are crashing to earth! And, oh yeah, rates are rising a little bit. The word on the street is that it’s going to be a rough year, so buckle up. I’ll be honest. It’s kind of funny to me that everyone’s talking about these “high” rates. High? Sure,…
Would you like a list of 40 rockstar realtors who are going to send you consistent referrals all year long? All it takes is 3 Excel spreadsheets and 12 weeks of hard (but fun) work. How does that sound? Pretty cool, right? In my last post, I shared how my friend Kristen Simpson and I…
There’s never a bad time for reflection, to evaluate the things you’re doing as a loan officer and see if you’re doing your absolute best. Is there anything you could change that would give you even better results in the year ahead? I made a list of five reflection questions to ask yourself. These are…
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