For mortgage & real estate professionals

You know their income, their debt, their family and their house payment.

Then the loan funds, and you never have a reason to call them again.

This page explains what it would look like to change that.

Two things are true about this business right now.

The first one you've lived through. Average annual volume per originator went from about $15.65 million in 2020 to roughly $6.99 million in 2023. The number of licensed originators dropped from about 233,938 to 192,793 over roughly the same stretch.

That wasn't a skill problem and it wasn't your fault. Rates moved, and an entire industry's income moved with them. The uncomfortable part is that the same thing can happen again, and none of it is under your control.

The second thing is bigger, and it's sitting in your CRM right now.

You aren't underpaid. You're uncompounded — and you know more about these families than almost anyone, and you're allowed to act on none of it.

You have full income documentation on every borrower you ever closed. You know their debt, their payment, how many kids are in the house, whether one income carries the whole thing. You had to know — you underwrote it.

And the ones you couldn't help are worse. Someone gets denied, walks out with a real problem and no plan, and nobody in the industry ever calls them again.

You built a book of people who trusted you with their entire financial picture, and then the transaction ended and the relationship went with it.

Before anything else, the income numbers.

From the company's most recent published income disclosure, of the agents who were paid anything at all: 44.1% earned under $1,000 for the year, 74.9% earned under $5,000, and 2.02% earned over $100,000. Everyone who earned nothing is excluded from those figures.

We lead with this because you would find it out eventually. We'll send you the full document before you decide anything.

Why that number is what it is, and what we do differently →

You would not be starting where they started.

You have a book of families who handed you their W-2s, their bank statements, their debts and their tax returns — and who called you during the most stressful financial month of their lives.

That is not the same starting line. It's not close to the same starting line. Whether it's enough is a fair question, and it's the actual thing worth talking about on a call.

There is more than one way to do this.

Three, and all of them are normal. Get licensed and write your own business. Get licensed and hand the appointment to one of our experienced partners, splitting the commission with them. Or build a team and earn on their production as well as your own.

You don't have to decide which one you are today, and people move between them. The three, explained properly →

What it costs.

$199 to join, once. ~$185–600 for your state licence — coursework, exam and fingerprinting, paid to the state, not to us. Once you're licensed, roughly $375–850 a year in California and $360–780 in Nevada for E&O cover, renewal and continuing education.

See the full breakdown, line by line →

There's no deadline.

Nothing expires at the end of the month, and there's no cohort closing.

There are only two honest clocks, and they're both slow.

The first is your book. Every month you don't call the people you closed in 2021 and 2022, they get a little colder and a little less sure who you are. That's not urgency, it's just how relationships work when nobody tends them.

The second is that licensing takes a few weeks — roughly three to six in California, two to four in Nevada. So whenever you decide, the useful part starts about a month after that. Which is only worth saying because most people assume it's longer and put it off for that reason.

Beyond that, take your time. The people who do well with this are the ones who thought about it, not the ones who got rushed.

Book a twenty-minute conversation.

Pick a time that works. No preparation needed and no pitch. If you decide on the call that you want to start, you can — but nobody will push you there.

Book a 20-minute call

Rather just ask a question first? Call (858) 477-8005 or email jennifer@helpinghandsfinancialsolutions.com

The rest of the detail.

Everything that isn't specific to your line of work — what this actually is, who it suits, exactly what happens on a first call, and the questions everyone asks — lives on one page rather than being repeated on four.

Read how this works → · Book a 20-minute call →