Hey I am not going to give my own post a rating if it is worthy.
There is so much more to this though.
To expand upon who to target right now. There is a substantial amount of refi's out there still looking to get out of an arm. Get a list from Haynes of 2/28 and 3/27 mortgages filed and market to them. Also the holiday spenders will feel the budget tighten in January and February.
But, most brokers concentrate on the refi. Most do not have the knowledge or help to partner with Real Estate Agents. The purchase market is slowing down right now but I have yet to see a decline in my pipeline for purchase loans.
To get a Real Estate Agent's attention you should learn all you can about their industry and take something of value to them to gain their attention.
If you are new and want to focus on this niche I highly suggest finding a way to learn their business.
Then buy some purchase leads. Carlo has these available nearly everywhere. You qualify a buyer and then you hold the carrot. Interview 3 agents with the intent of handling your referrals. Who becomes the giver then? YOU! You now have control. Show them what you are made of. Build a relationship. Then you also get to show the selling agent.
On a purchase loan you have your customer and 2 realtors in most cases. 3 possible referral sources.
Then deliver!!! Do open houses. Pre-approve on the spot if you can. Find a way to accomplish what you need too. Ask us for help. Most of you cannot pull credit outside of work.... At least you think you cannot... Likely you can but no one showed you.
Broker shops that lack training are like a box. Think beyond the box and get help here. What works for your broker may not work for you. What works for me may not either. You do not know unless you commit to it and execute.
If you do not have a business plan I encourage you to take charge of your career and set goals. We all are an entrepreneur in a sense.