Optional · 1 of 2

Things that grow your income

• Government loan programs

  Federal Housing Administration, Veterans Affairs and rural housing loans each have their own rules. Knowing them well wins you clients other brokers turn away.

• Licenses in more than one state

  Extra fees and extra coursework, but it multiplies the market you can serve, especially near a state line.

• A second language

  Spanish especially. Huge parts of the first-time buyer market are underserved.

• Self-employed and investor lending

  Complicated files that banks handle badly. Brokers who can place them get referred the hard cases, which pay best.