The mortgage agent who can talk about more than rate and amortisation is not a generalist. They are the most valuable person in the room. And right now, most of the industry is leaving that room empty. I have spent thirty years watching mortgage professionals treat...
Every few years, a wave of mortgage agents decides to get their Life Licence Qualification Program designation and add insurance products to their practice. Some of them build genuinely diversified income streams. Others spend six months studying for an exam, pay...
Most agents blame the market when deals slow down. Rates are high, buyers are nervous, inventory is tight. All true. And none of it explains why two agents working the same territory in the same rate environment produce wildly different results. The gap is almost...
Most mortgage professionals wait for the market to shift before they update their approach. By the time they react, the cycle has already moved on without them. Thirty years in this industry has shown me one pattern more than any other: the brokers who stay dangerous...
If I could send one email back to 1994-era Joe White, sitting at his desk with a brand-new mortgage licence and absolutely no idea what he was walking into, it would not be warm or encouraging. It would be blunt. Because the kindest thing anyone can do for someone...
