DUAL Commissions Podcast
This is the podcast for Real Estate Professionals who, in addition to their normal real estate commissions would also like to earn commissions on the mortgages associated with their real estate transactions without needing to get an individual mortgage license and without having to know or learn the loan production process, in a way that is fully compliant with SAFE Act, NMLS, RESPA and HUD so there is no conflict of interest.
DUAL Commissions Podcast
Episode 4: The White Glove Loan Concierge Team Experience
The secret to amplifying your real estate income isn't working twice as hard—it's working smarter through the innovative Dual Commissions program. This eye-opening episode features Lynette Heck, a 25-year mortgage industry veteran who leads the White Glove loan concierge team that makes this income opportunity possible for Realtors® across the country.
Lynette pulls back the curtain on the seamless process that allows real estate professionals to enhance their income while maintaining focus on their core business, all while ensuring full compliance with SAFE Act, NMLS, RESPA, and HUD regulations.
You'll discover how the White Glove concierge team handles every aspect of the mortgage process from receiving the application all the way to closing, providing transparency and exceptional service to both realtors and their clients. Lynette shares practical insights about communication strategies, technology tools like the Simple Nexus app, and how the team navigates common challenges in the mortgage process.The Dual Commissions program creates a powerful income opportunity for realtors to earn not only their traditional real estate commissions but also commissions on mortgages, all without requiring a mortgage license or learning loan production.
• White Glove loan concierge team handles the entire mortgage process, allowing realtors to focus on their core business
• Fully compliant with SAFE Act, NMLS, RESPA, and HUD regulations
• Simple Nexus app provides transparent loan process with the Realtor as loan officer of record
• DUAL Commissions agents receive notification when clients start applications and can assist with completing them when needed
• Processing team handles documentation, underwriting submission, and coordinates closing details
• Common misconception that realtors need to be heavily involved in loan details, when the system is designed to handle everything
• Credit score myths often confuse borrowers,
• Program works with conventional, FHA, VA loans and other mortgage products through the bank's in-house, correspondent and broker relationships
To learn more, visit DUALCommissions.com for webinars, an income calculator, FAQ section, and the free e-book "Realtor Income Reimagined," or go directly to www.StartDUALCommissions.com to take the next step.
Be sure to check subsequent episodes for a more complete understanding of how the DUAL Commissions program can revolutionize your Real Estate business and reinvent your earning potential.
Are you a realtor who's looking for a way to increase or amplify your income? What if, in addition to earning the normal real estate commission that you earn now with your current broker, you could earn a commission on the mortgages that are associated with your real estate transactions, without having to get your own mortgage license, without having to learn the loan production business, in a way that's fully compliant with the SAFE Act, with NMLS, with RESPA and with HUD, so there's no conflict of interest. If you'd like to create an additional stream of income on the same exact deals you're already closing right now, well, you've definitely come to the right place. Hi, my name is Ralph Watkins and I want to welcome you to the Dual Commissions Podcast. Watkins, and I want to welcome you to the Dual Commissions Podcast. Well, hello, Ralph Watkins, back with you here. It's always a pleasure, and part of the fun thing about doing this podcast is just, it's the people that we get to talk to and, as I learn, as I come through the system, as I'm around the program, more meet some really really cool people. So today, more meet some really really cool people. So today, she is just one of those kinds of people, right? So, in case you're not familiar with it.
Speaker 1:Right, these are real estate mortgage loan officers and you probably heard this in the intro. But this allows real estate professionals not only earn our normal real estate commission that we earn now with our current broker, but also to earn a commission on the mortgages affiliated with our transactions Actually, it's any mortgages, not just the ones with the transactions, but it usually starts that way because people can get their heads around it more quickly. But one of the beautiful things about the program is we have a white glove loan concierge team in place, because when I talk to realtors, they go hey, dude, sounds great, but I've already got a job Like I don't have time to learn all those loan programs or all that kind of stuff and connecting with people, chasing down docs and doing the loan process I'm a realtor. That's what loan officers are for, right? Well, that's what our white glove loan concierge team is for in this system, and so we are with one of those team leaders.
Speaker 1:You're out in what? Washington State, Washington State, yes, Washington State. Okay. So if you're wondering who the voice is behind the or who the person is behind this voice, this is Lynette Heck. And is it like greater Seattle area, or what are we talking here?
Speaker 2:Well, I'm actually on the Idaho-Washington border in Spokane.
Speaker 1:Oh, spokane, oh, Spokane so.
Speaker 2:Eastern Washington. Yes and so.
Speaker 1:Lynette does a wonderful job. Assisting and kind of her role is once the application comes back in and she can talk more to this, but she's going to reach out to that client, take them by the hand from that point and lead them all the way through the closing. She's gotten rave reviews, People love working with her and it is our great pleasure to have her here today. So, Lynette, welcome to the podcast.
Speaker 2:All right, thank you so much. I'm very excited to be here and help explain the process.
Speaker 1:Good. Well, why don't we start a little bit by maybe giving some of your background, like what have you been doing? How did you hear about this program?
Speaker 2:Well, I have about 25 years in the mortgage business. I started out working for Experian long, long, long, long time ago dealing with credit reporting and then just went into loan processing. So I've been a processor and then the last year I've been the loan officer assistant. So I'm definitely well-rounded. When it comes to the white glove process, I've done it all Talked with clients, realtors, title company.
Speaker 1:I've done it all. Okay, nice, and so then, how was the connection made with this program and how did that come about?
Speaker 2:Well, Jeremy just gave me a call and said he'd love to have me over, and here I am. So we had worked together at a previous company and then in a lender before that. When it all first started, we had a couple of real estate mortgage loan officers when it was very, very new.
Speaker 1:Well, that sounds like it had to be super new. I mean, to my knowledge I think here you predate me with the system. I think I officially was onboarded, although I had been talking with Jeremy and we were kind of working towards some things, but we had to finally make it official and get things in place to Exactly so. So now for anyone who's going well, that's cool, but who's Jeremy? Actually, you know what you can meet, jeremy.
Speaker 1:There's another podcast episode. If you look through the ones, you'll see there there's a Confessions of a branch manager with Jeremy Crooks. He is the branch manager. Our branch is a national branch but it's virtual right, so everybody's like all over the place. The home office of the bank is in Texas, jeremy's in Chicago, I'm in Tennessee, we have Lynette in Washington State, so we're not hampered by where we live. That's really trying to become a completely irrelevant thing, okay, we're not hampered by where we live. That's really trying to become a completely irrelevant thing, okay. So I gave just a little hint of this, but maybe can you kind of walk us through, as you see it from your great perspective, the role of the concierge team and how you support the realtors here throughout the mortgage process.
Speaker 2:Absolutely Well. We're always here for everyone. That's our main goal because we are so well-versed in the mortgage guidelines and such. So basically we're going to have that chat in the beginning, telling me any specifics, anything I need to know about the loan, and I want to get specifics to make sure I have all the details about you know if there's a couple, who, which one is the main contact just anything specific. I need to know where the funds are coming from.
Speaker 2:I would like a really strong handoff so that our borrower knows who I am and that I will be taking it over from there. And then basically I just help them complete the application, pull credit, go over what they're looking for, look at the best loan options for them, and then I gather documents to make sure that they are qualified. We'd love to go by what's on the application, but underwriting makes us check everything, every penny. Check everything every penny. So with my processing background and working both wholesale and retail, I'm very well versed with kind of seeing what underwriting is going to expect and so I kind of like pre-underwrite the file just because I process for so many years, and then that way we take care of any issues up front and expectations so that there's no surprise going on down the road through the loan approval process.
Speaker 2:So just getting them approved and then sending out that pre approval letter and then, once we have a contract, I will issue disclosures and go over everything with the borrower, since we will have an actual property, so we need to know exactly property taxes, insurance. Then we send out disclosures, then put it into processing. Once the disclosures are signed and we're moving forward, and then I work with the processing team to make sure we have all the credit documents needed. And our processing team is amazing. They are so fast. We communicate very well.
Speaker 1:Where are they located?
Speaker 2:I think one's in.
Speaker 1:Cleveland.
Speaker 2:Kind of all over. One's in Cleveland, I think they're both in Cleveland. Yeah, we have like two processors and they kind of tag team each other so that nothing gets missed. They open title, they order insurance. Once we have the homeowner's insurance contact, they order the appraisal, they submit it to underwriting and then, when it comes back with our initial loan approval, we work together on conditions, make sure that we get everything from the borrower documented and then, once everything's in appraisal title, it goes back for final submission. And then, once everything's in appraisal title, it goes back for final submission. So that entire process. I am working closely with our borrowers to make sure they know what's going on every step of the way and again, no surprises. And then once we're final approved and in closing I also help them with that process we work with balancing, with title and then I make sure all those numbers are correct according to our initial loan estimate and then get them to sign the initial closing disclosure and boom, we're at the closing table.
Speaker 1:Wow, all right. So now I just want to clarify a couple of things. I've understood that the program, the step-by-step, was that the loan officer would forward their app to the client Once the client completes the app. Then you reach out to them once you've got a completed app.
Speaker 2:Yes.
Speaker 1:Like you don't reach out. Do you actually reach out to them and help them complete the app? I mean, sometimes you can be overwhelmed with that.
Speaker 2:Sometimes, yes, because not everyone understands all the fields that are required to move forward. So I will set up the account that I'm notified by email when an application is started so I can keep an eye on it, and I'm expecting a completed app soon. So that's on my radar and, you know, if it takes them a couple of days to complete the app, I'll let the LO know. Hey, um, apps not completed. Can I step in and help? And a lot of times I will step in just because, um, I know the app very well and I know what needs to be completed. So it really just depends.
Speaker 1:So is that to say that I mean because you get notified when they download that app and start it. I mean that's kind of your heads up, that that's somebody you need to pay attention to?
Speaker 1:Correct yes, and if there's a delay in getting the app in, you'll reach out to them and assist them in completing that. That is awesome. Yes, that is awesome. Now, what about? I mean because one of the things that we talk with people about well, what loan programs do you have? I'm like, what don't we have Right? We have everything Between the bank, the correspondent relationships and the broker relationships Correct. So all this just to confirm all this is handled. They use their same application, no matter what loan program. It is right. Yes, they use their same application, no matter what loan program. It is Right. And so when that comes in now you take a look at that, you see what the loan is for, you see if it's a purchase, if it's a refi, if it's a first home, second home, investment property or whatever it is, and, based on that, then that lets you know which of the programs, area of programs, we need to be looking at and talking with that client about.
Speaker 2:Correct Absolutely, especially when we pull credit.
Speaker 1:That's another major key factor, of which program we're going to go with based on credit score. Yes, yes, absolutely Okay. So then and you sort of answered this in the first because that was a very, very complete answer but so how does the team ensure that realtors can remain focused on the real estate business while you handle the entire process?
Speaker 2:I'm keeping everybody informed Emails when the loan is submitted, when we have conditional loan approval, I let them know. When the appraisals do and especially like when we go VA and FHA, there's forms that the realtors and the seller have to sign. So that is like my perfect opportunity to get them in on the summary of everything that's going on and the expectation. And you know, once we're initial approved, hey great, we're initially approved. We're working on conditions with borrower appraisals. Do this date? I'll keep you informed and it's really going to depend too. There may want to do even a little bit of communication with the realtors. That is fine, absolutely, because you know they're trying to build those relationships and I don't want to interfere with that. So it's kind of being like a tag team. I have two loan officers that we do the tag team right now.
Speaker 1:So you have some people. Maybe they want to be a little bit more involved in the process. You know, this is one of the things I talk to realtors all the time I go. Look, this program is designed to enhance your business, not to distract you from your real estate business, right, right, but you can be as involved as you want to be, right? So do you welcome their involvement?
Speaker 2:Oh, absolutely, Because it's education as well. Just because if someone even just asks them questions about basic loan programs, you know they don't need to know everything in detail, but they do need to know a little bit so that we're not wasting everybody's time, including the borrowers.
Speaker 1:I'm very thorough. Well, I like this Now. This is a good question, though. So how does your team keep the realtors informed during the process without requiring them to get involved in the details?
Speaker 2:Email, and email is actually easy enough, and if some realtors prefer text, I can certainly do that as well.
Speaker 1:Okay, so you've got the flexibility to really customize it for what works best with them in their business.
Speaker 2:Oh, yes, absolutely in their business?
Speaker 1:Oh yes, absolutely so. Can you think of any specific examples where your concierge team has made a significant difference in a complex loan situation?
Speaker 2:It would just be underwriting our team because there's the two processor team. One is doing all of the third party work and then the other one submitted to underwriting and then we get underwriting approval within 24 hours. And having our own in-house underwriters now really helps as well. I mean, I couldn't believe I think I got. She submitted in the morning and we had loan conditions that evening. I was like wait, I'm not ready, it's too fast.
Speaker 1:So that's a very recent thing, because I heard that was coming, I didn't realize they were in place yet.
Speaker 2:Yes, it is, it is in place, yeah, so underwriting is taking 24 hours and we only have a certain amount of lenders.
Speaker 1:still, we're not fully in-house underwriting for all of our investors but we've got a good group, but you're conventional, you're FHA, you're VA, all that kind of stuff.
Speaker 2:No VA yet. I believe no VA yet. Fha and conventional yes.
Speaker 1:Okay, excellent, excellent. You mentioned the texting and emailing. Apart from just that, what tools or systems do you use, or does the team use, to ensure efficiency and transparency for everyone, like what are some of the platforms that you make use of to have everything run smoothly and efficiently?
Speaker 2:Well, we do have our app. I think it's called Simple Nexus.
Speaker 1:Simple Nexus great app.
Speaker 2:Yes, it sends out them emails like, hey, you didn't upload this, you didn't upload that, and it's very secure for them to upload documents as well, instead of versus emailing. So I kind of use all three I either email them, use the app, call them or text them, and it all depends on their job. You know, I have one gentleman that's a delivery driver, so I can't talk to him during the day because he's out delivering. So driving, yeah, yeah, we do texting or phone calls and I work every day, if need be. I work on the weekends if need be. You know, it's not like I'm sitting here for eight hours, it's I'm so flexible and with my knowledge yeah, I'm so flexible and with my knowledge yeah.
Speaker 2:And with my knowledge and, like I said, I've been through so many things for 24 years that a simple answer over the phone can handle the problem.
Speaker 1:I tell you I can speak to that Simple Nexus app from some personal experience. That is amazing. It is, it is.
Speaker 2:That is amazing. So if somebody's listening and going, hey.
Speaker 1:I don't know what that app is. It is. That is amazing. So if somebody's listening and going, hey, I don't know what that app is. So, simple Nexus is a platform that ties into our main loan origination software, which is Encompass. But that to me, is just this never-ending black hole, right, I try never to go anywhere near Encompass, right? All you need to do is have the Simple Nexus app on your phone. That's the app.
Speaker 1:In case you're wondering, you know, how do, how do we, how do we introduce our clients to Lynette or to someone like her, someone in a position? You use your simple Nexus app. You've got a link that's your own custom link for it. You, you, you can use the app to text it to them or to email it to them. They can complete and it's. The questions are not. It doesn't sound like it's a clinical thing, like you're in a doctor's office. There's just sort of real conversational, sort of questions, right, but once they complete that, then she's going to reach out to them. But, as she said earlier, she actually gets notified when they first get it. Yes, yes. So that's what's really cool here. If she looks and sees, wow, they got this thing two, three, four days ago and I haven't heard from them. We'd need to follow up and just see what's going on.
Speaker 2:Are they?
Speaker 1:stuck. Is this real? Did they change their mind? Maybe they did something else, but don't leave them hanging and you know to check on them, right?
Speaker 2:Absolutely.
Speaker 1:By the way, once you have this, you can go into that. Now I really recommend, for anyone who's listening here, so when you've got your white glove team like Lynette is here if you've got a question, reach out to her. Reach out to them, because they're the ones that are going to be working with the client and they have their finger on the pulse of the loan Right. So there's some people, yeah, that like to be involved.
Speaker 2:Others are like no, I do real estate, I don't do loans Right.
Speaker 1:So, just, I mean, you can get buried in stuff, just reach out to her with whatever the quick question is. But so that you know, you can open up the app, tap on the client's name and you are the loan officer of record. See right now, when in the system, when you refer a loan out to somebody and you've got some outside loan officer, they're the loan officer of record. But when you're the agent in this program, even though Lynette and her team are working on the loan, you're the loan officer of record. So you have full, complete, transparent access to all information in the file. So when you ask a question, rather than the generic responses that outside loan officers are limited to giving you, she can talk to you in very specific terms because you've already got all that.
Speaker 1:You can actually tap on the phone, you can see their complete application, their pay stubs, their bank statements, their W-2s, all the disclosures that they signed. You can see what underwriting is asked for, what's been received, what's still outstanding, what underwriting is asked for, what's been received, what's still outstanding, and then you get notified. This is your choice, right? But you can get notifications for every milestone or every single thing that happens and comes in. So there's a phenomenal amount of information there, so much more that I always have to throw out the caution to not get buried in that, because that's a rabbit hole.
Speaker 2:Right? Oh, it certainly is. You can go way down that All right.
Speaker 1:Not only do you have great contact with the real estate agent, but, of course, really for the client facing, you're their main point of contact. Yes, right, so you're going to be in full contact with them at all points through the process, just like the outside loan officer would if they referred out to somebody else.
Speaker 2:Correct Absolutely and I will update as needed. To say I'll text hey, talked with so-and-so, we're moving forward or hey, I'm working through an issue. I'd like to communicate that just because they may get calls from the listing know the listing agent going hey, I haven't had an update. You know what's going on, type of thing. So, and I know not everyone checks through email constantly, but I'm kind of OCD when it comes to mortgage lending. That's the only thing I'm OCD about, but you know, because it's a big deal and we need to keep these files moving. So communication is absolute key for everybody.
Speaker 1:So communication is absolute key for everybody. So one of the things that I really really hammer when I talk to people because they want to go how this is, is this safe? Is that not safe? Is it? How is this compliant? Right, right, right. And so I always point out, I go look, this is it's compliant with the SAFE Act, with NMLS, with RESPA, with HUD. So maybe we could take just a minute and talk about how you help to ensure that what we do remains in compliance with these different things.
Speaker 2:Well, the app has to be listed as the loan officer. So I make sure before disclosures get sent out because I do the disclosures make sure that it is in their name and for legal purposes we have to make sure that that app link was sent to them. We can't like switch loan officers going hey, that's my client, no, it has to be in that same link that's sent to the borrower, has to be in the name of the loan officer. So that's the key right there. And then there are checks and balances too in the system we use in Compass to make sure that it is a compliant loan and that we're doing a quality mortgage and all that. So there's little red flags that come up like hey, you know your fees are wrong or your fees are too high, anything like that.
Speaker 2:So we run it through automated underwriting and that loan officer's name goes through, because they check it against the national registry to make sure that they are licensed, because if they're not we would get a big no back, a big red flag or an error red flag or an error. So when we were on the well, like the broker side, well before we came over to the bank, if we were doing loans in specific states and we weren't licensed. They'd be like sorry, can't do it. We couldn't even like finish the application. It would give us a red flag. So there's a lot of checks and balances in place to make sure we're following the guides for that.
Speaker 1:I guess this would. When realtors first come on and the system's new to them, there's like a I don't know, like an on-ramp. There's an adjustment period. So what common misconception do realtors have about the loan process, and how do you and your team help to clear those up?
Speaker 2:Well, they think they need to be involved in everything and know every detail and, like I said, with my emails I always make sure I have a summary, not too much information and not too little. So just saying, hey, we're approved, blah, blah, blah. I do make sure that everybody's on the same page, but I like to and I don't say this say this like stay in your lane type of thing. It's like, hey, you sell the property, you worry about the property, you do your job, trust me, I will do mine, and it goes a lot faster. Same with our processing team. We have our expectations, but we're always communicating either by mostly email, and you know we all have our email on our phone for our work too. So it's something I'm constantly checking. It is my job to stay on top of all the guidelines, the programs, and if something changes or something great comes into play, oh my gosh, let me tell you about this. So the communication, definitely by email to their realtor email versus their Texana Bank one.
Speaker 1:Yeah, I got to confess. I remind myself to go check my text on the email.
Speaker 2:Yes.
Speaker 1:Now what I did, do you know? It was really a pain because when I first got set up, you know they come on, they put all the software on the computer. It's part of the IT setup, right? They actually create a different user on the computer, right? So I have to log out of me to log into that to go check the email. Right, so I have to log out of me to log into that to go check the email. Right, and I'm going no, no, no, no, no, that's dumb, right? I already have an Outlook email that I use, that I'm using already. So I was able just to go in and, oh, that was really super simple. So I created credentials in the Outlook that I use in my regular login so I can pull up the text on it. I don't have to go running over to the other login to find it.
Speaker 2:Absolutely. Oh yeah, it's so easy now. Yeah, exactly.
Speaker 1:So what's the most, if there is a, what's the most rewarding part of your role on the White Glove Concierge team and how do you feel that that adds value to the realtors businesses?
Speaker 2:Just getting to closing with no issues. That's the most rewarding and you know, some we can't overcome. But especially, a lot of the borrowers are first time buyers or they haven't bought a home in a long time and obviously rules and guidelines have changed. And obviously rules and guidelines have changed. I'm there to ease their pain and I kind of get onto like a relationship where they know they can trust me.
Speaker 2:We don't just talk about mortgage loans and I know buying a home is a big deal for them. So I try to keep them calm, give them examples and always keep them informed and show them the numbers. The numbers are the big thing about the cash to close their monthly payment and the interest rate. So I make sure that they're well informed and they see it, because I can say all I want on the phone conversation, but I like to send them screenshots going okay, this is your, you're going to be your payment on this loan amount, or if you put this much down payment. They need to see it. So I just I make sure that they always know if anything changes.
Speaker 1:Well, so I know I'm the one that asked that question, but just listening to you talk right there, I can tell you that, as a realtor myself, okay, how does this add value to my business, knowing that I have someone of your caliber on my team that can take and handle all that as part of my service that I offer? It's integrated into what I do. I mean to have that as part of it. That is huge. So you've got this one. It's really a one-stop business solution for these people. They don't have to go find it elsewhere and, frankly, because I'm the loan officer of record, when I do these things right, I can respond more quickly if there's a situation. Obviously you know if I can interact with you better. It's just a much more smooth and efficient way to get things done and I think it elevates the realtor's position with that client.
Speaker 2:Right and there really should only be one point of contact that is in the mix and knows what's going on with all different submissions. You know all teams underwriting. You know, and I think my 24 years as a processor I will never be able to get that processing piece out of my brain and not think that way. I've been doing this for years loan officer assistant and the processing team. They're like oh my gosh, lynette, this is great, I'm like, because I may have done their job a little bit, you know, with their tasks to do.
Speaker 1:Yes.
Speaker 2:I just rather we get everything up front and have it nice, smooth sailing on the back end while we're waiting for final loan approval and not scrambling for documents and bank statements and all that good stuff. So I try to make sure we're ahead of schedule and all that good stuff.
Speaker 1:So I try to make sure ahead of schedule, okay, so if there was maybe one thing and maybe it's not just one thing but if there's something that jumps out at you that you wish or you'd like to be able to focus on when you're talking to agents to help them understand better, that would make these things all easier as they move forward. What might that look like?
Speaker 2:The credit report, the credit score. So many people don't understand how credit reporting works and how our mortgage credit scoring is completely different than the one they see on Credit Karma. I'm finding that frustration level from the borrowers and I'm happy to talk to them before they even complete an app.
Speaker 1:Absolutely Okay, so that's really interesting. So Credit Karma is this free service out there that you can go once a year and get your credit report for free, your credit score for free?
Speaker 2:Annualcreditreportcom is the one you can get your free credit report from. Credit Karma is a service where they watch your credit and make sure there's nothing fraudulent, and they report a credit score which is not for mortgage lending at all. So it's very misleading and we're usually 30 points below that on an average.
Speaker 1:Oh my gosh really.
Speaker 2:Yes, yes, I have found out the last two it's like well, my credit karma score is this and I pull it and I'm like, sadly, I'm so sorry, it is not.
Speaker 1:Well, maybe that's what it is. On credit karma but, that's not credit, real life.
Speaker 2:Right, maybe for an auto loan, but not for. I think that's just the myth out there about credit scores and you know what they hear the norm in social media, just like hey, rates went down, well, kind of they kind of did so.
Speaker 1:The Fed lowered it. But that's not the same as the rates going down at each lender.
Speaker 2:Right, right, and it's great for short-term loans, but these are, on the average, 30-year mortgages and some of the lenders even lowered their rates prior to the talk because there's just so much media hype and it's just trying to break that myth of and not everybody has the same loan, has the same portfolio, has the same credit score LTV, you know, it's just there's so much to it.
Speaker 1:What seven or eight different factors that go into somebody's mortgage rate? Right, right, so people go. Well, what are mortgage rates doing right now?
Speaker 2:You can't answer that question More specific than that.
Speaker 1:Yeah, exactly, all right. Well, as we wrap up here, is there anything else that you can think of that we haven't covered, or anything that you'd like to add, anything that should be part of this discussion that we haven't covered, or anything that you'd like to add, anything that should be part of this discussion that we haven't covered already today?
Speaker 2:I don't think so.
Speaker 1:I think we've covered it all I think we've kind of hit all the high spots.
Speaker 1:Okay, that's great Listen if you're listening to this today going wow. So, just as a quick reiteration, as part of the dual commissions program, a realtor who comes in and becomes a dual commissions agent. The beauty of this is, of course, you're going to get paid on the mortgages that are associated with the transactions and really you get paid on any mortgages in any state. But the beautiful part is you don't have to know or learn the loan production process because you have a world-class mortgage professional like Lynette Heck here working on your team and handling that whole thing for you, from the application through to the closing. So if you're listening to this going wow, she knows what she's talking about. How can I be involved in this and how does this work? There's a couple of things you can do, right, but one of the easiest things, you can go to dualcommissionscom. That's dualcommissionscom. There is a plethora of information there. There are all sorts of things, right. There's like a short 18-minute webinar on how the program works information about the bank. There is a calculator that I put there, so if you're wondering how does it make that much of a difference, this will literally show you how much money it's costing you not to be in this program If you're a realtor and you're doing business and you're referring loans out to an outside loan officer, it is not an overstatement to say it is costing you money not to be a part of this program.
Speaker 1:If reading is your thing, there's an e-book that we just recently finished Put it up there Realtor Income Reimagined. You can download that for free from the site. There's a great FAQ section, All sorts of questions Way more than we answered here just today, because today the focus was on the White Glove team. But if watching video for information is your thing, we've got the FAQs in a video series format. There's the podcast there, which this was ultimately going to be posted there eventually, so there's just lots of information Once you get there. If you're interested in moving forward, there's several QRs you can scan there.
Speaker 1:If you've already been checking it out and you go well, I've heard enough. How do I do it? You can go to startdualcommissionscom and that just like shortcuts and takes you right there. And if you want to talk to me personally and you feel like you've got a situation and I need to know more about it, you can easily book a call with me just by going to my calendar and that's at talkwithrouthcom. I like simple descriptive domains, Talkwithrouthcom It'll pull up my availability and then, of course, you just choose whatever works best. So, Lynette, thank you for your precious time. I know that there's got to be days when it feels like you don't have a moment to breathe right, so to take time out of your day and share with us here is no small thing. So super grateful for that Delightful spending time with you and I look forward to talking with you more in the future and everyone else. Thanks so much for listening. See you on the next episode, Take care, Thank you.