New Year Resolution, Start Now To Achieve Goals

Written By: Hina Habib

Happy New Year sounds very encouraging and brings new hopes to each individual in the world. Each individual wants to forget about the bad experience in the past and moves forward with a new hope for making coming year, more wonderful and productive. Most of the people learn from their mistakes in the past and some just do not want to think about those mistakes.

In the mortgage industry we cannot afford too many mistakes because these mistakes affect the business for long time. Everyone involved in the transaction needs to be pro-active and vigilant.

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A loan officer’s New Year Resolution should be to build his pipeline using Continuity Program, which is a personalized relationship building tool, allows Loan Officers to stay in touch with the business leads. A Loan officer keeping in mind to generate more business in the New Year should make an impression on their servicing and prospective clients. Key to meet the New Year goal is better communication and repeated communication with their clients. This can be achieved by using greeting cards, post cards and weekly newsletters. A loan officer should make a list of the customers he/she serviced in the last 2 years and should start making contact. A customer only remembers their loan officer’s name for 6 months; hence this is loan officer’s duty to refresh their memory. Loan officers also need to make sure to improve their customer service quality and product availability awareness. They can take examples from previous year where they lost a client due to low quality of communication or less information on the product offered to them.

For a processor a New Year resolution should be to work on their required goals ofcource with more service quality. A processor should make a list of all the areas she thinks, are week when she process a loan file.

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Once she has recognized her weaknesses she can start working on those one by one. For example if a processor does not have habit of writing all the necessary notes, she should promise herself and start writing every single conversation or information on the file she gets. Most of the software’s are designed where processor can add notes, but if any one does not have this facility she can make a conversation log in the physical file. Just by practicing this only, will help the processor to improve the service quality and achieve more than required goals. Other area which some of the processors needs to work, is customer service.

For underwriters same rule applies as processors and their New Year resolution should be underwriting more loans comparing the last passed year. I am sure by following the steps above, will help every mortgage personal to achieve their New Year mortgage resolution goal.

About The Author

Hina Habib - As an NAMP® staff writer, Hina Habib has been working as a Loan Processor with mortgage industry for more than 15 years now. Hina is a loan processing instructor for Loan Processor University ( She has ample experience of structuring and processing FHA, VA and Conventional loans. She worked with an established Correspondent Lender/ Mortgage Broker for 13 years. After her promotion as a Senior Loan Processor she trained loan officers and other processors. Currently she is working with a strong and established banking institute as a Mortgage Processor II. She is very well informed with the current on going changes in the mortgage history and can help answer your questions more accurately. If you're interested in becoming a writer for NAMP®, please email us at:


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