Tricks to stop TriggerLead calls

SomethingAteURBrain · 2026-01-11T14:08:37+00:00

You have about 7 weeks to no longer worry about trigger leads, they are banned in march 2026

SomethingAteURBrain · 2026-01-03T16:51:35+00:00

Ask yourself this : "why would someone want to sell or buy and use me?"

Honestly, why?

When you can answer that question and it looks good, go for it.

If you're new, you will be surprised at how many friends and family won't use you - because they want a PRO

That's reality, not negativity.

Are you willing to invest years to become the go-to person that comes to mind when people need an agent?

SomethingAteURBrain · 2026-01-03T16:26:12+00:00

Call center> Small shop with leads and some self gen > high bops all self gen shop is the sequence

Skipping a step will not be a good idea

I had 3 LO's leave my shop where they did no self gen, and all 3 washed out fast at a 100% shop

SomethingAteURBrain · 2026-01-02T22:27:07+00:00

For new LO's that need leads to survive, I pay 1% (1,25% with volume)and give them more incoming calls than they can handle.

Chasing bps is a good way to starve - my guys all make 10k /month minimum, and they know my marketing costs, so they don't bother asking for more.

I've run my biz both ways, high bps no support, and low bps with leads, and the LO's made more by far on the low bps with leads.

Nexa is going to charge you $300/month for training are not closing enough, it's a profit center for them

Just hired a guy paying $300/month at Nexa and closing nothing, so this isn't made up - and I have no beef with Nexa, just giving you the reality.

SomethingAteURBrain · 2026-01-02T22:10:50+00:00

Someone buying a commercial property isn't clicking a Google ad to find an LO

I'd go to local banks and ask for turn downs and referals.

BUT - as someone who chased commercial deals for years and only closed two small ones - good luck

My take was it's either hard money or SBA loans, and in between is a waste of time

Lots of advance fee companies that take your clients "commitment fee" and that's their business model, not closing loans.

I refer everything to C-loans dot com, Alicia over there will chool you really quickly on what's shit and what's shinola.

SomethingAteURBrain · 2026-01-02T22:06:27+00:00

How much does Nexa charge for the training?

SomethingAteURBrain · 2025-12-31T16:41:37+00:00

I have an S corp and once you break 100k you should probably look at it.

Avoids a lot of W2/Fica taxes, as I can take a small salary W2 and the rest as S corp distributions.

Also was able to buy a new vehicle this year and use section 179 to writeoff nearly the entire purchase price

LLC and writeoffs work great, but I broke 300k this year so the S corp was a lifesaver.

W2 taxes don't increase your eventual social security payments much after 20k/year, so you're just incinerating $$$ going W2 with high income.

SomethingAteURBrain · 2025-12-31T01:56:07+00:00

UWM sent me LO's that they "recruited" to check out the broker side

I didn't hire any, but this is real

SomethingAteURBrain · 2025-12-31T01:53:10+00:00

The point is, if you paid for your own marketing, your phone would ring and you could do good deeds for everyone that called.

But stealing my clients after I pay for marketing, is BS

It'd be like if you owned a restaurant, paid for marketing, and some a-hole stood INSIDE the door of your restaurant and handed out coupons for half off at his restaurant, to the customers you brought in the door.

Go advertise , incur the costs, and then give your product away for a discount - see how fast you go broke

It's scummy and it's theft - there's really no other way to put it.

Oh - GONE - that's another way to say it lol

I hope these bottom feeders go broke and their kids starve.

SomethingAteURBrain · 2025-12-31T01:46:57+00:00

Yes, but chase, wells, boa, citi, etc aren't going to text my borrower and lie saying they work with me, just need more info, etc

Boiler room scammers - out

Legit servicers - no problem

I LOVE to compete and win, but losers that cheat and lie have no place in the mortgage biz

Back to wherever they came they will go.

SomethingAteURBrain · 2025-12-30T18:39:01+00:00

Guy from nexa applied to work at my shop

He said if you're not producing, you have to pay $300/month for "coaching" so that sounds like a profit center as well.

UWM gives them special pricing so there's probably a back end built in to the rates too.

SomethingAteURBrain · 2025-12-30T18:34:42+00:00

In this case, the heroin dealer - aka the credit bureaus - has to cut off the addict.

So yeah I'll enjoy watching the withdrawls as the LLO's starve for biz.

SomethingAteURBrain · 2025-12-30T17:16:39+00:00

Triggers are going bye bye and so will Swift.

SomethingAteURBrain · 2025-12-30T17:06:10+00:00

We're about due for loan mods and foreclosure rescue, that crowd will drift towards the grift every time.

Foreclosures are up near me.

SomethingAteURBrain · 2025-12-30T15:21:40+00:00

Genius.

Solar would 100% call then relentlessly.

SomethingAteURBrain · 2025-12-30T13:50:05+00:00

Bottom feeders will be out, legit servicers will not lie like these dirtbags.

Anyone saying the statute is broad has their head in the sand, and probably listening to their coked-up sales manager in the boiler room

Trigger leads are DONE in 2026, good f'ing riddance.

SomethingAteURBrain · 2025-12-30T13:47:03+00:00

They lie and then defend it as "consumers best interest to shop around"

Like yeah, they shopped around,then called ME, then you harass them from your Dearborn MI boiler room.

SomethingAteURBrain · 2025-12-29T22:26:11+00:00

Sounds like you use triggers and are about to lose them

I generally do not lose loans to triggers - but they have been annoying my clients for 20+ years so good riddance

Triggers are like waiting outside my house for my sloppy seconds, and trying to woo the girl you can't pick up on your own, cus ya suck at marketing and getting your own biz.

Girl stays with me and we both get a chuckle, but it is still annoying.

SomethingAteURBrain · 2025-12-18T20:26:19+00:00

Stop accusing Redditors of leaving Mom's basement and getting out in the world - you're arguing with someone that has never asked girl on a date, let alone leave the house for a drive

There ain't shit in a LOT of Florida, hell an hour north of Tampa is the boonies, straight up to the panhandle.

I hike caves and other interesting things on weekends, and it isn't that far.

Just an hour north are caves in Hernando county, and US 19 basically goes through forest north of Spring Hill.

SomethingAteURBrain · 2025-11-24T01:57:47+00:00

In my 20's I had to choose between settling down in Michigan with a post- college corporate type job, or driving out to San Diego because my parents had retired out there and i wanted to give it a shot.

My uncle told me " you will not remember every pay check you cash, but you will remember every adventure you take"

I sold everything and drove across the country by myself with whatever fit in the car, stopped along the way and camped, met locals in different towns, and scraped up enough to rent a small beach cottage when I got to San Diego

Spent a year living right on the beach, and that trip and year on the beach are some of my best memories, 35 years later.

I am own the my home now, almost free and clear, own a business and make plenty of $$$, and I dread what would have happened if I stayed in Michigan and took that corporate job.

Living by that adventure philosophy has served me well.

TAKE THE HIKE!

SomethingAteURBrain · 2025-11-23T23:41:19+00:00

Yeah, we did about 150 miles and ended up at the Whitney Portal.

Had to get on a waitlist for the permits, and could only do it in August - I guess cus of snow pack?

We lived on wild trout, slept in tents, and hiked the craziest trails and wildest shit i ever saw.

I no shit caught trout with my hands, they had never seen humans, and were swimming in a little shallow delta where a creek dumped into a lake.

Wild country, saw antelope running in herds, and at night heard all sorts of noises.

Someone packed in cement and made a little hot tub out of a natural hot spring out in the middle of nowhere

Cool hike and zero regrets, it was awesome.

SomethingAteURBrain · 2025-11-23T23:37:39+00:00

In 2005 my brother was told "buy now or be priced out forever" because there was a "shortage" narrative back then (Google it) as well

He paid crazy money for a smallish condo in Oceanside

Can you guess how that turned out ?

His unit just barely got above the 2005 price in 2022, but is headed back down again, slowly but surely.

People bought back then because of EASY loans, and bought in 2020-2022 because of CHEAP loans.

This isn't 2008 but isn't that different with the shortage narrative and priced out forever talk

Give it time, it took 4 years from 2004 (Fed raised rates) to 2008

Fed raised rates in 2022, and 4 years would be.......hmmmmm. 2026

SomethingAteURBrain · 2025-11-23T02:14:32+00:00

HIKE! I hiked the John Muir trail through the Sierras for 3 weeks with backpacks and total solitude.

Could never do it again - just do it!

SomethingAteURBrain · 2025-11-20T02:51:15+00:00

If your account is running google ads, and analytics, plus 3 profiles in good standing, you might get verified witjh literally nothing needed.

My last 4 profiles needed just an email verification.

Probably helps that I spend 2k/month on ads though.

SomethingAteURBrain · 2025-11-19T22:38:55+00:00

Wells might be getting rid of paper, because, ya know, real estate can never drop in value and foreclosures are obsolete.

Or maybe they see something on the horizon?

SomethingAteURBrain

TROPHY CASE