The agents were careful to make the distinction between acting as mortgage broker (actually executing on the mortgage) vs. mortgage advisor (helping a client understand their mortgage options).  As a mortgage advisor, you should be educated on how mortgages work, know all the options for your consumers and be able to introduce your clients to top-notch mortgage brokers in the community.  All of this takes work and education.  Read the newspapers, talk to mortgage brokers and research options on your own.  Before referring a mortgage broker, spend time with them, ask for references, call them and talk to their manager or co-workers.  Don't settle on just one mortgage broker.  Use at least three, and compare their approaches and service.  In effect, perform the due diligence in this area that you would expect of your clients.  This can add tremendous value to your services.

So as you consider how you can add value to the transaction, don't miss the obvious: mortgage advisor.  Get educated, get connected and stay on your toes in this area - your clients will really appreciate it.

Share with me other ways you, as an agent, have added value with respect to mortgages.