When compliance or comp rules change, speed and clarity matter. Here’s how Nick Thomas and Bay Capital approach real time guidance, workflows, and support that helps LOs stay protected and productive.
Let’s talk about the moment most loan officers start looking at other companies. It’s almost never about money first. Most of the time, it starts with something quieter: they stop feeling supported. They are doing the work, carrying the relationships, managing the fires, and trying to keep the pipeline moving. And then the gaps around them start piling up. Here’s what I see happen, and what to do about it.
Most loan officers are trained to win on the cleanest, most straightforward files. Great credit, W2 income, conventional approvals, and a simple purchase contract. But the market has changed. Investors are still buying. Self employed borrowers are still earning. Buyers are choosing new construction. And many families need timing solutions when selling and buying do not line up perfectly.
For years, there was an unwritten rule in the mortgage world: if you wanted to grow your business, you needed real estate agents and lots of them. The typical playbook was simple. Build as many agent relationships as possible, stay visible, stay friendly, and hope they send you buyers.
