The Easiest, Simplest, and Best Way to Make Money in the Mortgage/Real Estate Business

The Easiest, Simplest, and Best Way to Make Money in the Mortgage/Real Estate Business

Let’s be honest — the mortgage business can get complicated fast. There’s always another app, system, or tool promising to make your life easier. But when it comes to building relationships, generating referrals, and making consistent income, simplicity always wins.

So, what’s the easiest, simplest, and best way to make money in the mortgage business?
👉 Start a Rate Watch Program.

Here’s how it works:
You reach out to your past clients and say something like:

“Hey [Client Name], I’d like to help manage your mortgage for you. What’s your current rate, and what rate would you like to target? Once rates hit that point, I’ll reach out and see if a refinance makes sense.”

That’s it. No fancy CRM. No software subscriptions. No automation tools.
Just a simple Excel spreadsheet.

Why It Works So Well

Clients love knowing someone’s watching out for them. You’re not selling — you’re helping. You’re saying, “I’ve got your back.”
It’s a natural reason to start a conversation, and those conversations often open doors.

When you talk to your clients, you don’t just talk about rates. You talk about their goals, their home, their savings, and their future. And those conversations often lead to valuable introductions — to financial advisors, insurance agents, and accountants who can all help your client make smarter decisions with the money you just helped them save.

The Bonus Most Originators Miss

Here’s where it gets even better.

After you close the refinance and lower your client’s rate, reach out to their financial advisor.
Tell them:

“Hey, we just refinanced [Client Name]’s mortgage and freed up some monthly cash flow. They were already making their payments comfortably, so now that extra money can be redirected into investments or college savings.”

This one simple introduction does three things:

1. It makes you look like a hero to your client.

2. It strengthens your relationship with the financial advisor (hello, referral partner!).

3. It adds real value to everyone involved.

That’s the Core 7 philosophy in action — connecting professionals, helping clients, and making business easy.

Simple Wins Every Time

There are fancy ways to do this. You can buy tools that send alerts and reminders automatically. But in my experience, none of them outperform a personal connection.

A simple email and a spreadsheet — that’s the system.
The conversations that come from it are where the real money is made.

So before you go looking for the next shiny object or lead system, try this:
Reach out to your past clients and ask two questions:

1. What’s your current rate?

2. What rate would you like to target?

Then, track it in Excel, stay in touch, and watch how much business (and goodwill) it creates.

Because sometimes the easiest, simplest system…
is also the most profitable one.