As mortgage rates continue to decline, Chad Earnest’s mantra with his referral partners in 2023 is “no buyer left behind.” 

The Montgomery, Texas-based area manager, who moved from AmeriSave Mortgage Corporation to Cardinal Financial Company in November, launched in mid-2022 a platform to help their referral partners succeed. 

He makes co-marketing investments and helps partners with their databases by looking for any missed opportunity in the market. The primary focus is on borrowers who may be credit-challenged. 

“Homebuyers have traditionally been the byproduct of our referral partners, such as real estate agents and homebuilders,” Earnest said. “We are looking for agents that understand details ⇒

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