How can I expand on acquiring clients for Refinance or First time home buyers?

Two ideas for you that I use and have had a lot of success with...

#1 - go to www.forsalebyowner.com look up homes in your area and call the owners.... ask them two questions. Do you have any pre-qualifying your buyers for you and do you have financing for the purchase of your new home. 90% of the folks I talk to do not have anyone to prequalify their buyers and most of them don't even know what that means..... I picked up quite a few loans doing this.

#2 - build some relationships with realtors....notice I said realtionships.....there are a ton of lenders that are knocking down the doors of agents.... get a list from www.realtor.com in your area and mail out 5 personal note cards NOT FLYERS OR RATESHEETS with something like this "Hi John..I notice that you do a lot of business in the Baltimore area and would like to talk to you for just a few moments...I'll be calling you on Monday of next week between 11 and 12:00... Thanks,.

......Call them on Monday ....it becomes a warm call and your objective now is to say something like... "Hi John...did you get my card... great... Listen I wanted to stop by your office for just 5 minutes would Wed or Thursday be good for you...... Go meet them....don't take a rate sheet...nobody cares about programs.... ask them who they send most of their business to. Sell yourself.... then call them every monday morning to ask if they have anything you can prequal for them...........

That is a good start....... If you want more help give email me and for $300 I'll be gland to be your personal business coach....

Doesn't your company provide you with any leads? If not, then you need to develop a business plan (that doesn't include refinances since as the rates rise those are not going to be a good stream of business) & jump on it. There are millions of ways. Do research on upcoming open houses & bring the realtor some house flyers with dif. payment options, etc. for that home & you may even want to hang out in case any potential clients pop-in you can meet them & hand out your card.

Good Luck!