Most Loan Officers don’t fail because of lack of effort.

They fail because of invisible leaks in their business.

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The kind that doesn't show up immediately… 

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But over time, silently robs them of growth, money, and momentum.

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The worst part?

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By the time most LOs notice, it’s too late.

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Let’s talk about the 3 silent killers that will stall (or completely tank) your business—so you can fix them before they cost you.

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☠️ Silent Killer #1: Referral Neglect

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Think back to every client you closed in the past 12 months.

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How many of them:

✅ Sent you a referral?

✅ Posted a positive online review?

✅ Connected with your Financial Advisor reco?

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And even worse:

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Have you even spoken to them live in the past 90 days?

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If you can’t confidently say “most of them,” you’re leaving opportunity on the table AND the front door wide open for other Loan Officers (servicing company LOs specifically) to walk in (more on that in a minute). 

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Most LOs work so hard to win a client in the short term, they end up losing the client long term.

Meanwhile, top LOs have a structured post-close forever value sequence that turns customers to clients (raving fans).

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Dial yours in and you’ll double your referrals.

Start today, create a post closing system that is written out. 

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☠️ Silent Killer #2: The Wrong Conversations

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There are only three types of conversations you should be having every week as an LO:

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1️⃣ Revenue conversations – Direct convos with leads, prospects (preapps and pipeline), partners (active) and the closed database (to protect against EPOs). 

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2️⃣ Growth conversations – Have opening conversations with new referral partners and business sources (not just the same Realtors over and over).

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3️⃣ Clearing conversations – There are definitely Realtors (for example) that know and like you, (and actively communicate with you), but are just not referring you. It’s time you have an “awkward-to-awesome” conversation” on what is causing them to NOT actually refer you.

If you’re not have these three types of convos weekly…

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Your business will stall.

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☠️ Silent Killer #3: AI

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This is the most dangerous of them all.

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Unless you have been living under a rock, you know that Rocket just bought RedFin AND Mr. Cooper.

They will 100% build out an AI machine that will generate massive opportunities end-to-end.

BUT, natural intelligence will always beat our artificial intelligence. 

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Your ability to build genuine relationships with your database of closed borrowers will prevent servicing companies from picking off all your hard earned residual income.

There will be a refi boom, it’s just a matter of time.

And when it hits, every single one of your transacted borrowers from mid 2022 and beyond will be exposed.

And every single one of them that closed in the previous 6 months will be EPO exposed.

Stay in synchronous touch with your database (this means SPEAKING with them, not bombarding them with emails). 

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Here’s the truth:

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The best LOs aren’t just closing loans.

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They’re building something bigger than themselves.

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They’re constantly working on their business, not just in it.

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They make moves that set up their future, not just solve today’s problems.

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So ask yourself:

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Where is my business leaking opportunity?

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Am I just getting deals… or am I building a referral machine?

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If I keep running my business this way, where will I be in 3 years?

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Your success isn’t about working harder.

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It’s about working smarter and sealing the gaps before they sink the ship.

GO! Implement. 

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Amir

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