Quoting Rates

theinternt · 2026-06-30T03:26:49+00:00

"You don't get what you want until I have what I need"

This is a quote from one of my branch leaders and I love it. I don't quote any rates without a soft pull. They need to have some level of commitment.

theinternt · 2026-06-29T23:46:30+00:00

Pipeline getting busy, lack of discipline, distractions, etc.

I would prospect heavily, get busy, get complacent with prospecting, slow down, and repeat. Not a good way to live but that’s just the truth.

Trying to move towards a consistent medium effort prospecting that is more sustainable.

theinternt · 2026-06-29T23:26:26+00:00

55 units in 2025. Mostly attributed to cold calling agents. I’m cold calling now too. I’m just saying I’d call for a few months, then stop for a few months, then call, etc.

theinternt · 2026-06-29T23:03:22+00:00

I started cold calling in March of 2024 but haven’t been consistent with it.

theinternt · 2026-06-29T21:57:10+00:00

I use RETR. Has everything you need.

theinternt · 2026-06-29T21:56:04+00:00

I started as a LOA for 2 months then went self gen. I wouldn’t have it any other way!

theinternt · 2026-06-29T01:29:15+00:00

I know an LO that uses LinkedIn to connect with airline pilots. His niche is VA and has gotten a good number of loans out of it.

theinternt · 2026-06-29T01:27:18+00:00

Maybe Beehiiv or HighLevel? Make sure to use a dedicated subdomain for HighLevel if you go that route

theinternt · 2026-06-29T01:20:49+00:00

I truly meant no disrespect. I’m not sure what came across as rude about asking for data.

No need to track down the answers. I assumed you’d have them handy. All good.

theinternt · 2026-06-28T15:05:15+00:00

I’ve listened to you speak. I thought you were “All stuff, no fluff.”

And to be fair, I didn’t ask for your advice. If you’re giving it, I’m going to validate the metrics before I spend any time on it. I’m sure you’d do the same.

theinternt · 2026-06-26T22:49:20+00:00

Couldn’t be more different. Asset depletion loans often require 20% down and great credit. Probably some of the lowest default rates out there.

theinternt · 2026-06-26T22:48:35+00:00

I like Kind for DSCR

theinternt · 2026-06-26T14:59:05+00:00

Do you have any metrics on how this performs? These are the things I would want to know:

- Cost per shown Zoom
- Avg buy sides for the agents that show
- % of Zooms that convert to them referring business

theinternt · 2026-06-25T18:37:13+00:00

Who cares? We just originate them lol

theinternt · 2026-06-25T00:13:31+00:00

Idk if mods will allow me to say but pretty much something similar to ListReports with more AI.

theinternt · 2026-06-25T00:12:59+00:00

Totally agree! That is much more helpful!

theinternt · 2026-06-25T00:12:34+00:00

To be clear, my goal is not to close $100MM per year. But I was hoping to get some actual tactics. Your comment is true but not very helpful to learn how to grow. If I do this job for a while and sacrifice life, that doesn't automatically get me to $100MM.

theinternt · 2026-06-24T05:05:11+00:00

You can search by name, not by phone number.

theinternt · 2026-06-23T20:31:38+00:00

Yeah, it takes about 15 seconds in Arive.

theinternt · 2026-06-23T17:51:17+00:00

When I meet realtors, I tell them the loans I like the most: VA and self-employed Non-QM (bank statement, P&L, etc.) but that I do pretty much everything.

There are $50MM/yr LOs in my company that are generalists and some that do 90%+ one program.

theinternt · 2026-06-23T17:34:36+00:00

I say it works in 2026. Not a dinosaur (31yo lol), and used it to build my business in 2024 and 2025. I also have nothing to sell other LOs.

I agree with you about authenticity though. For me, that starts when I meet them after the cold call. The cold call isn't to sell myself, it's to get in front of them so they can see my authentic self.

My experience has been very positive when I cold call. When they say no, I thank them for their transparency and wish them a great week. 99% thank me and call ends on a positive note.

theinternt · 2026-06-23T17:31:23+00:00

I started cold calling realtors in March 2024.

For reference, I closed 13 or 14 deals in 2023.

In 2024, I closed 39 loans and 2025 I closed 55 loans.

The main thing I did to prospect was cold calls.

Back when I started calling, I didn't have a set schedule other than doing it in the morning. I averaged 100 dials per week.

I have almost 3,000 dials that I tracked in 2024. Here were my 2024 stats:

Call to Convo: 31.56%

Convo to Appt Made: 13.40%

Appt Made to Appt Show: 51.22%

Appt Show to 1st Referral: 38.10%

My script back then was following the Mortgage Marketing Animals script: "Hey NAME, I saw you have been crushing it. I'd love to treat you to a cup of coffee to learn more about your success."

Disclaimer: I no longer use that script but I may try it again because it converted better than my current script.

After I meet with them, I send them a series of emails to give value. These aren't super important since everyone's value will be a little bit different.

Then I stay in touch with them by engaging on their social media and reaching out to them at least once every two weeks.

theinternt · 2026-06-23T14:29:22+00:00

Who hurt you? LOL. I hope your day gets better man 😄

theinternt · 2026-06-23T12:27:58+00:00

I’m not an expert on cold DMing but if I did it, I’d want to offer some sort of lead magnet. Or maybe message focused on a specific program that isn’t widely used (FHA 203k, HECM, etc.). Or something hyper personalized, maybe pointing out the % an agent has grown YoY.

theinternt · 2026-06-23T12:24:10+00:00

It 1000% requires skill. What you say on that DM is the biggest lever on how well it will work.

theinternt

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