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Things that grow your business
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, in many parts of the country.
Self-employed and investor lending
Complicated files that banks handle badly. Brokers who can place them get referred the hard cases.