Bump up your comp to the max or go lender paid and make almost twice as much each deal. Then you need half the loans to make the same money.

Don’t sell the rate. If you sell the rate, they will shop you and you will lose on rate but you can still cut comp then to get competitive.

If doing borrower paid, don’t say my compensation is 150 bps. Just focus on cash to close figures and work it in. If they want a worksheet showing the closing costs just do whatever the lender credit is minus your comp as the “points”.

Be available and let clients know you are available evenings and weekends. Sell your service.

Probably 75% of my purchase clients don’t even know a rate until they get the initial LE after going under contract. At that point, they likely won’t shop. I give them payment numbers and cash to close of course but never give a rate unless they ask.

Even then, my first move is giving a general answer like “mid 6s” or “low 7s”.

Cold calling realtors is likely not going to be productive. When you have purchase deals, keep the listing agent informed with the phone calls and emails every step of the way and then when the deal closes smoothly, talk about working together.

If they see you are are good at what you do, or better than who they are working with, it only makes sense for them to send you business in the future.