I've had three very good deals fall through in just a week.  And as best as I can tell, due to the economic slowdown and changes in the lending practices.  No more income stated loans no matter how good the credit and cash.  And the others are pulling back to ride out the storm.  The leads are drying up, listings are expiring and not relisting and the phone's not ringing as much.  These three prospects 6 months ago would have been sales and completed.

So now here's my plan.  FORGE AHEAD, WORK SMARTER, HANG ON, and make two extra phone calls each day, go on to the networking meetings, get more MCE credits, read, read, read, and tighten the belt, we may be in for a bumpy ride.  I attended an economic meeting this week and also heard from a "Power Panel" of experienced agents and this seems to be their plan as well.  One big producer said he started in the industry when it was worse than it is now back in the late 70's (12% rates, etc.).  But I also looked around the room and found some agents MIA.  But I always remember this. I have a bigger goal than hard times and a strong will and mind.  I surround myself with strong real estate people and stay with positive, goal oriented drivers and that continues to keep me moving forward.