While we’re all gearing up for Halloween next week, let’s really get festive with this week’s LO Launch Letter.

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Because while most people are getting their costumes ready and stocking up on candy…

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I’ve been thinking about what actually haunts Loan Officers this time of year.

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It’s not ghosts.

It’s not goblins.

And it’s not pumpkin spice getting thrown into every drink, dish or candle.

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The real monsters? 

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They’re already in your business.

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Here are the 3 scariest things hiding in plain sight:

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1. The Ghost Realtor 👻 

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You had a great convo. 

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They said they were ready to meet. 

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Then… 

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They vanished into the night.

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Here’s the twist: 

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Most ghost Realtors disappear because they don’t see your value. 

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Your ghost busting strategy?

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Re-engage this weekend with a simple message:

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“Hey [Name], I might have a buyer lead for you, let me know if you’re interested?”

Yes, I know, it’s a white lie, and should not be used often, but you will get 99% to reply.

And when you do, ask to connect on the phone and simpy say:

“Hey, I want to apologize because it’s rare an Agent ghosts me and did not do a good job at all of expressing my value, can we reset? And the buyer I had decided to go another direction, but there will be more.”

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Sometimes all it takes is a reminder that you’re still here… 

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And still human.

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2. The Energy Vampire 🧛

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This one sucks the life out of you. 

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The preapproved buyer who texts at 9pm.

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The Realtor that thinks they are the Loan Officer. 

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The loan processor who can’t put together a coherent email. 

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They drain your time, stress your team, and make you question your career choices.

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Your garlic repellant: Boundaries.

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Set response expectations.

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Have clearing conversations. 

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Protect your time, or the vampires will keep feeding.

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And fire them if you need to, it’s okay. 

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3. The Zombie File 🎃

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You think it’s alive. 

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Credit scores are on the fringe.

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DTI is tigher than your pants on Thanksgiving.

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Cash-to-Close funds are within dollars.

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It’s technically approved eligible. 

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But let’s be honest…

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It’s dead.

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No movement. 

No motivation. 

Just brainless “it might happen” energy.

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How to avoid getting bitten?

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Call it what it is. 

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Be honest. 

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It’s not a deal. 

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Move on. 

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Next weekend’s all fun and candy and costumes…

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But this weekend AND week? 

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You’ve got time to tighten the moat before the monsters keep crawling into your business.

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Take 30 minutes to hunt them down:

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✔️ Follow up with the ghosted

✔️ Block the energy vampires

✔️ Bury the zombie files

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Then you can enjoy your mini Snickers in peace 🎃

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Happy (almost) Halloween -- let’s GO.

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- Amir