If I Needed a Commission Cheque in 45 Days This Is What I’d Do

What would you actually do if you needed a file to close in the next 45 days?

Not the “wait for the market” version. Not the complicated strategy.

In this episode, I’m breaking down exactly where I would focus, who I would reach out to, and the simple things most mortgage brokers are skipping that actually bring in deals.

If things feel slow right now, this is your reset.

You don’t have to figure this out alone anymore.

🗓️ Next round starts soon!
 👉 https://brokerlifesocials.com/register/broker-growth-collective/

Why Work With Me (and Broker Life Socials)

I’ve been in the Canadian mortgage space since 2005.

I started at Genworth Financial Canada, working inside the default insurer side of the industry for five years.
Then in August 2010, I became a licensed mortgage agent… and I’ve been in it ever since.

I’ve seen this business from every angle.
 Underwriting. Broker side. Real client conversations. Real files.

And here’s why that matters

Marketing in this industry isn’t just about “posting consistently.”
 It’s about understanding:
 • how mortgage clients actually think
 • what they’re worried about (but not saying)
 • how to explain complex scenarios in a way that builds trust

That’s not something you can outsource to a generic marketing company.

Because if they’ve never:
 • structured a deal
 • explained a refinance
 • walked a client through a tough approval

…they don’t truly understand your client.

Inside Broker Life Socials, everything is written by someone who lives and breathes this industry.

So your content doesn’t just “look good”…
 It actually connects, builds trust, and converts.

Work with Me

Inside Broker Life Socials, you can choose what fits your season of business:

• Done for you social media content
• Plug and play email marketing
• Group coaching inside the Collective
• 1:1 custom content support

Simple. Consistent. Repeatable.

Let’s Connect

📱 Facebook: https://www.facebook.com/kristina.crosbie/

📸 Personal IG: https://www.instagram.com/kristinacrosbie/

📸 Broker IG: https://www.instagram.com/brokerlifesocials/

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Apr. 24, 2026 @11AM
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SPEAKER_00 0:00

Welcome back to Mortgage Marketing Made Simple. I am your host, Christina Crosby. Thank you so much for taking time out of your day to join me again. I'm really excited to hop into today's episode. So, what would you do if you needed a file to close in the next 45 days? Not the fluffy version, not the wait for the market version, the real simple strategy most mortgage brokers avoid, but that actually works, that actually moves the needle. In this episode, I'm breaking down exactly what I shared in a recent Facebook post that is life-changing for me and why the boring things might be the missing piece in your mortgage business right now. Okay, so today's episode, like I just said, is coming straight from a Facebook post I put up this week. And the response to it didn't surprise me at all. Because it's simple and it's basic and it's exactly the stuff people don't want to do. The post was if I needed a commission check in the next 45 days, this is exactly what I would do. And I said something that might not be popular opinion. I said I wouldn't focus on spring market. I would focus on refinances and B files. Now let's take that a step further. With refinances and B files, there's a lot of control. You can control a lot of it. We're not relying on other people in the missing in the puzzle, right? We're not worried about files falling apart, clients changing their mind. But there's also another reason why I didn't fully say it in the post, and I didn't say it on purpose, because my audience on Facebook is both brokers and clients, potential clients. But let's be honest, as mortgage brokers, we lose files to the bank, and it's happening a lot right now. You can do everything right, you can structure the file properly, answer every question, be there every step of the way, evenings, weekends, and then the bank comes in last minute with a slightly lower rate. You know, and you know we're talking small, like $40 or $50 a month, and the client takes it. And again, I didn't say that in the post because I'm not trying to teach clients to shop us, but we all know it happens. So when I say focus on refines and B files, alternative files, it's because those files are more relationship-based, more conversation-based, less likely to get pulled last second over a tiny rate difference. But there's also a bigger reason, too, and this matters way more to me. We're actually helping people. Any broker who says they haven't felt that pressure, actually don't believe them, um, I would have a hard time believing that. These aren't just files, these are real conversations where we're helping someone breathe again. And now here's the part I really want to hit. Brokers and agents are constantly chasing new clients, constantly, and we forget about the people who already know us, trust us, have worked with us. Your 2021 and 2022 clients, there's opportunity sitting right there. They've taken on debt, seen mortgage payments go up and other payments go up. Maybe they haven't reviewed anything, and they don't even know how you can help them, or they forget. And this is what I want to say, and where I'll say it really clearly. It's so much easier to get a file from someone who already knows you than to go find a brand new client. This isn't opinion. This is facts, this is just how it works. I think there's a stat, it's like 68% easier to work with a previous client than go get a new one. So, what would I do? I would start with an email, not a newsletter, not happy spring market. I would send real scenarios, real examples, real conversations, like, hey, Mr. Client, hey, Mrs. Client, I just helped a client free up $600 a month by restructuring their mortgage. That's what people care about. That cash flow. Then two days later, I'd go into my CRM and I'd check who opened the email I sent and how many times they opened it. Because if someone opens your email 10, 20, 40 times, they're thinking about that. So instead of waiting, I reach out. Hey, I saw, or I would say, actually, hey, I sent an email out last week, wanted to make sure you get it, you received it. Did you have any questions? Reach out. That's it. It's very simple. That is where a lot of my files come from. Not hoping, not waiting on someone else to send me a lead, following up. One of the comments on this Facebook post said, simple, boring things over and over. And I love that. Another because that's exactly true. Another comment referenced the book 10x is easier than 2x. And the idea of this is 80% of your results come from 20% of your actions. So just think about that. Not everything that you do matters equally. There are a few things that actually move your business. Following up, conversations, visibility, consistency, and the problem, those things feel boring. So people go looking for something shiny and new. When the answer, a hundred percent of the time, is do more of what already works, and this leads into something else. There's no magic pill. There isn't one strategy, one tool, one post, one type of post that changes everything. Until you become more self-aware and start holding yourself accountable, nothing works consistently. This is about ownership. You are responsible for your business, not the market, not the realtors, not your referral sources, you. Now let's jump into talking about AI for a second, because this came up in the comments as well. And yes, AI can help you write emails, generate ideas, create content. But I want to be so honest here, guys. We have to be careful because in 2026, people can tell, they can feel when something is written by AI. They can feel when the post is not you. And in our industry, trust is everything. So the second your content starts to feel generic, robotic, not personal, you start to lose that trust. And then people start to wonder am I talking to Christina or am I talking to AI Christina? And that's when you lose the file, the client, and that's a problem. Because people don't do mortgages with content, they do mortgages with people. But where I think we're missing the bigger opportunity with AI. And I had a conversation recently with someone about AI, not just for content, but for efficiency, for productivity, for actual money-making tasks. And it gave me so many ideas for my own cottage rental that I have. And that's when it clicked for me after that conversation. We're not even close to using AI at its full potential. Most people are using it to save a few minutes here and there. The people who are really using it well, they're using it to save hours, to make money. Because at the end of the day, your job isn't to sit behind your computer all day. Your job is to have conversations, build relationships, and close files. And if AI can take something that used to take you, you know, two hours and turn it into ten minutes, that's not just productivity, that's leverage. But it's more than emails and content. That's more time back in your day, that's more capability, more opportunity to actually grow your mortgage business. And that's the part I think more people should be focusing on. Not just can it write this Bank of Canada update for me? But can this remove steps for me? Can this help me move faster? Can this get this file to close quicker for me, quicker for the client? Because that's how you'll actually make more money with it. So, yes, use AI, absolutely, but use it to create efficiency, free up your time, get you into more conversations faster, not to replace your voice, your personality, your relationships, because that's still the part that closes the file. AI shouldn't replace your work. It should not remove the steps, it should remove the steps that are slowing you down from getting paid and helping your client. So if I bring this all together, if you want consistency in your business, you don't need something new. You need consistent visibility, consistent follow-up, consistent conversations, and that is it, my friend. And if you're sitting there thinking, I know this, but I'm not doing it, that's your sign. Not to learn more, but to do more. And if you want help with this, if you want the emails written, the content done and scheduled for you, the accountability built in, that's exactly what we're doing inside the broker growth collective. Our next round start, our next round starts soon. If you want the details, message me. And I look forward to seeing you next week.