Thanksgiving Rebound

Written by Posted On Monday, 28 November 2022 00:00

It was nice to see both rates and applications rebound this past week. Contrary to what many in the mainstream media would have you believe, the housing market isn’t collapsing, and mortgage applications have improved. I expect that this trend will continue in the weeks to come, but we are far from a stable market, so if your clients are tight on the payment, it’s always best to lock and protect the deal because we can always refinance later.

For those of you that are working this weekend, it is important to be visible! Get out to every open house you can find, stop in at real estate offices, go live on social media, and just be certain that you maintain personal contact with your people. Now more than ever, personal connections generate opportunities!

 Last thought for this week is to be sure you start sharing with everyone the last day you can accept a contract from one of your preapproved borrowers that will close in 2022! Many of your competitors are already bailing out on closing this year and more and more will join each day. It pays to stay in the game as long as possible and that you continue to share that information as often as possible. There are people who need to close in 2022. Sellers and buyers for tax reasons; people with expiring leases; agents who need that last deal or two to win that award or to level up in their commission scale. You need to be ready to make it happen!

Please be sure to enjoy your time with your family and friends and remember what I always say; if you are not working, don’t work. If you are working, make sure you are making the most of it! 

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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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