How about starting with giving me a free consultation? LOL my credit *****!

I wish I could provide an answer to this, a REAL answer. I was in mortgage too for a number of years and got to watch SEVERAL opportunities like the ones you are describing pass me by. Although I would probably open up shop for myself if I had this answer … I have another product that you could easily incorporate into your current business AND provide a value that no-one else in Real Estate offers. Contact me at 949-838-6909 or if you are interested in taking a look.