Sorry to hear about your injuries.  I'm not sure I understand the question.  Are you starting out in the mortgage industry as a total newbie with no training and you plan to knock on doors?

If that's the case, my honest advice is to find a different industry....loans are way too tough these days, a newbie will get slaughtered.

Michael,

The first thing you want to do is find someone who will hire you so that you know what licensing requirements there are for you in your new position.  Do you have any viable offers for employment yet?

The top 4 things I would say for any newbie:

1. Training

2. Training

3. Training

4. Training

The industry has many pitfalls and hurdles now when working through the loan process.  If you don't deliver on your promises you'll burn out your potential clients and your self real fast. Nothing worse than putting together a loan on false assumptions, working hard getting the deal and then have it fall apart and not close because you missed some detail.  Make sure the company you're working for has the knowledge and experience to train you and keep you up to speed on the industry changes.

Michael Dickerson:

So far what I have found is 80% of the people in the mortgage industry where lazy and where just getting easy money

I don't think that the 80% you are referencing is in the business anymore.  And the remaining 20% is, like you said, working 4 times as hard as we were 1.5 years ago....and we probably have at a minimum 5+ years of experience in the industry (myself since 1993), so how with no training and no background (correct me if I'm wrong) are you going to be a success in this business?  Moxy and "go get em" attitude is not enough.

Sorry if that is blunt, but you asked for advice, and that's what I'm giving you, sorry if it's not the answer you are looking for.

Spell check will be your friend.  And no, I'm not just being a wise guy. I've read through your posts and you have many grammatical & spelling errors. You will need to look professional in the pieces you send out.

You should be able to find a Realtor or two that will appreciate your willingness to learn and be at their beck and call.  They'll grind you for sure. But if you can stand it, you'll make some money.

Once you have completed your licensing, check and see if any of the lenders you use offer product training.  If you are naturally a people person, focus on gaining industry knowledge.  If you want more sales training, there are many great books on the subject.

My feeling is that you need to take care of the customer by offering expert advice.  Sales gimicks are not necessarily in the customers best interest.  People don's care how much you know until they know how much you care.  If you truly have their best interests in mind, you will do well if you know the industry. 

I disagree somewhat with what others are saying.  The industry is changing so rapidly right now, I think a lot of us feel like newbies from time to time.  Just don't promise on something until you know you can deliver. 

Not that I'm the model, but if I were you I would figure out (asking Realtors, other lenders, title officers) who are the three or four top producing mortgage officers in your area.  See if any of them have a junior loan officer position or program that you could step in to.  You'll get to the learn the trade from one of the best, see what it actually takes to close a loan these days and possibly earn a small salary to help out. 

This helped me out a lot when I started and I was able to able to get some overflow from the top producer as well.  Some might argue there's not a lot of overflow out there today but there are still some people out there doing very well.   

This should give you a real taste of the what the business is today and help you figure out if it's really for you.  If you don't love this business you won't last.  Sales is a big part of course but I'm a little concerned that you're not into the reading part of it.  You will need to become a student of the industry and  will most certainly have to gather knowledge beyond that of experience. 

All the best

Michael Dickerson:

in this case I only gather the information, then I hand it off to the broker he has everything he needs and he does all the paper work.

You haven't mentioned if you are licensed or not.  Under most laws, you would have to be licensed to engage in this activity...

Michael Dickerson:

ok I guess I need to address the learning disability know, as you can see I can’t spell every well...... ok I just suck at it.

 

don't worry my customers will never see my writing, I have always hired a person to handle the writing part form me and in this case I only gather the information, then I hand it off to the broker he has everything he needs and he does all the paper work.

I work with my customers in person or on the phone I do not ever communicate with them in writing.

I am sorry for all of you that have been reading my posts and yes it is easy for a person that does not have or has not ever had to dill with a learning disability to make the comment about spell check and grammar check, its like making fun of a one legged midget in a butt kicking comp. its sad and funny at the same time.

Now that was funny! ("one legged midget...")  I am sorry if I offended you (not real sorry, but sorry). There are plenty of folks with learning disabilities that do well in business and in the mortgage business.  If you have a Degree from Pepperdine, I seriously doubt you can't figure out spell check.

Advice:Do not solicit Mortgage/Real Estate business in CA without a license! You sounded like you were going to work for your brother in-law and that he is a Broker. He should know better.  I'd look elsewhere. He isn't paying attention and you will both get in trouble.

Bob V-G:

Advice:Do not solicit Mortgage/Real Estate business in CA without a license! You sounded like you were going to work for your brother in-law and that he is a Broker. He should know better.  I'd look elsewhere. He isn't paying attention and you will both get in trouble.

In most states, if you are doing talking to people about mortgages with the intent that they do business with you or the company you work for, you need to be licensed. 

Another thing, if you are paid for each closing (versus an hourly wage), you would be in violation of federal laws (RESPA). 

I think you could do well in sales.  Like us, you seem to be weird enough... uh, I mean, personable.  If I find your other leg, I'll let you know.  Until then, maybe you should get a pair of crutches.