In our business both loan officers and realtors come across customers that are doing qualify for a loan due to income or credit.  Most people will move on and start prospecting for another customer.  WHY when they may know someone that is looking to buy or refinance?  Next time you have a customer that doesn't quality tell them what they need to do to qualify...then ask them "who do you know that I can help that is looking to refinance or buy a home". IF YOU ARE A REALTOR JUST ASKED "who do you know that is looking to buy or sell".  At 1st it may feel weird asking I know I did but like everything else it gets easier and you will be amazed at how many more deals you will get! good luck!    Bernard Hartigan   4 Wood Hollow Road Parsippany, NJ 07054 Office   973-447-4406 Extension 202 ... 10/26/2009