Looking at 2022

Written by Posted On Monday, 18 October 2021 00:00

It’s a very strange time for the country in general, the mortgage industry and real estate are not without their challenges as well. Some are directly linked to the other, some much more convoluted in their connection.

It’s not hard to see that rising inflation impacts everyone. If things cost more, then they cost more. Some people are fortunate enough to stay ahead of inflation with their income, others will have to do with less. The real issues aren’t just that things cost more, as much as the stress that is caused when entire budgets are blown, or opportunities are eliminated because of it. The emotional impact can be very real as rising prices take their toll.

We are seeing inflation far exceed FED targets and they have pushed their projections of inflation from “transitory” firmly into “reality” as it will not be temporary and certainly will not reverse itself when people go back to work after corona virus. Inflation is very real and the supply chain isn’t just about people just going back to work. Why? Because in August, more than four million workers just quit their jobs!

Looking into 2022 our industry must prepare for life with higher interest rates and tight supply. Not just in housing inventory, but with the ability to improve existing units or build new units. If you’re not sure what I mean, just try to buy appliances or paint! If you can find what you want, look at the cost! This reality may keep the market supply tight, and has interest rate rise, we lose purchasing power in our monthly payments.

2022 will still be a good year for purchase business, refinances will retreat and the pressure in the housing market will likely continue!

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Michael White

After 18 years working in all phases of mortgage originations, Mike left day to day originations to start his consulting and coaching company. Now, more than 18+ years later, Mike is working with clients across the country in all markets, big and small, that have generated more than three billion dollars in loan originations within a year.

Mike teaches a system that is focused on time management, action planning, marketing a message, and creating value for both clients and referral sources alike. Quite simply, providing more value leads to more opportunities, more income, less time, and a systematic approach that begs to be duplicated.


By breaking down individual aspects of the mortgage business and providing a step by step approach to creating a consistent flow of opportunities that can lead to a highly successful mortgage practice. That is why people who incorporate these strategies out produce the national averages by almost 3 to 1!

Fundamentals and simple strategies provide day to day activities that help provide a “scheduled success” philosophy. It’s all about identifying, targeting, and establishing profitable referral relationships using exceptional value to keep you in the center of your own referral triangle. 



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