Be an action taken loan officer to generate business, if you wait for things to happen, you are going to wait for a very long time. Work your database for new business on refinances and purchases. Here is a link for a discount on LionDesk http://www.liondesk.com/freetrial_referral#_l_o76y and here is a link to Pipeline ROI please mention my name Nathan Rufty and check out www.MortgageMarketingPros.com and sign up with coupon code POD10