noun

1. a real estate agent who is also licensed as a mortgage broker - giving you the power to offer a streamlined, one-stop shop solution - while reducing stress and making the process more manageable for your clients.

   “As a dual-licensed agent I can represent my client on the real estate and mortgage portion of the same transaction - receiving additional commission and acting as a one-stop shop for all my clients needs.”

As Easy as 1-2-3

1.) No mortgage experience required and very minimal additional work on your end.

2.) Get mortgage licensed in two-weeks or less (in-person or online).

3.) Send your client the mortgage application link and the HLA Inside Team will handle the rest.

Michael’s Story: Founder and Pioneer of Dual-Licensing by HLA

Michael embarked on his journey in the mortgage industry back in 1992, initially dedicating his efforts to a single company. However, driven by a vision to shape his own path, he founded Home Lending of America, Inc. in 1997. Over the next 27 years, his company not only thrived but also built a stellar reputation among realtors and clients alike.

In 2006, he made a pivotal decision that would redefine his career. He obtained his real estate license, aiming to offer his clients a seamless experience through a single point of contact for both mortgage and real estate services. This strategic move was inspired by his desire to provide exceptional value to his database and sphere of influence, capitalizing on the trust he had already earned through past transactions.

At the time, venturing into the dual-license realm was quite unconventional. Few agents had yet to harness the potential of combining their existing relationships to maximize income from each transaction. By pioneering the "One-Stop Shop" model, Michael transformed his business approach. This innovation not only streamlined the process for his clients but also resulted in a remarkable 30% annual increase in his income.

For the past 18 years, his clients have relished the convenience of working with a single point of contact, and his referral-based business has flourished as a result of offering dual-licensed services. This shift has been one of the most rewarding decisions in his 32-year career.

Looking ahead, as interest rates begin to decline, there will be even greater opportunities to expand your income through refinancing existing clients, friends, and family. We strongly encourage you to explore how you can elevate your business and start generating additional income streams within 30 days.

Don’t miss out on the chance to transform your business and maximize your earning potential. The path to a more profitable and efficient business model is within reach—take the leap and discover the benefits of becoming a dual-licensed agent yourself!

Michael Spector

Founder of Home Lending of America, and pioneer of the Dual-License strategy