Ok, so rates drop, and the refi calls start coming in earnest. What's the first thing the typical Loan Originator does? Forgets about the Real Estate Agent. Classic mistake, yet I see it all the time in our industry.

If you are a full time Realtor working your butt off in this market, the last thing you need is to have your loan officer out to lunch when you need him or her most. Don't allow your lenders to make excuses about volume or they worked so hard on refi's that they could not call you or your client back!

My suggestion is to work with trusted loan officers who were there for you in the hard times and in the good times. Don't let your clients waltz in with an approval letter from a company you've never heard of or from one that is too busy to take your calls when information and action is needed.

Once again as lenders, we walk the critical line of servicing our long time referral Realtor partners and trying to answer the calls of previous customers looking to lower rates or better their financial position. Doing both requires 100% commitment to customer satisfaction and time management.

Let's hope this time, we do both well!!