A stalled buyer you refer well comes back in sixty days. One you refer badly calls a different loan officer. The difference is twelve minutes.
Minute one to three: the verdict. "Your file has two things holding it. Here's what they are." Name the bureau and the items. Buyers leave when they don't know why they were told no.
Four to six: the path. "You can work these yourself — the free links are on this page — or you can have the letters drafted and back in your hands in three days." Give both. The buyer who hears only the paid option hears a pitch.
Seven to nine: the two things that make them do it. Send the link while they're on the phone, not after. And put the re-pull on your calendar in front of them: "I'm pulling again on the fourteenth." A date is a promise they'll work toward.
Ten to twelve: the freeze list and the closing-date note, because they'll need both and nobody else will tell them.
Then stop. Anything past twelve minutes is a meeting that didn't have the numbers.
Your referral link tracks who came from your office. The buyer pays; you don't. If you want the analysis engine running under your own name, that's the white-label list — ask.
Sources
Every statutory citation in this article was checked against the source listed before publication. Nothing here is legal advice; if your situation has legal consequences, talk to a licensed attorney in your state.