Brian's Golden Rules

1) Do the right thing every day. Treat customers, vendors, and coworkers how you want to be treated. That file on your desk is not a unit or another house/borrower; it's a home for a mother, son or neighbor. All questions can be answered by asking the question "Is this the right thing to do?"

2) Be honest with yourself. You cannot be honest with your customers or coworkers until you acknowledge your strengths and weaknesses. Play to your strengths and overcompensate for your weaknesses. Ask for assistance from management and coworkers to help overcome your weaknesses. Better yourself by researching products/procedures on line, reading real estate/finance related articles. Become the expert in your world. Know your competition.

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Brian Koss


A Sherpa is a term for the Nepalese guides who accompany mountaineers on their Himalayan expeditions. They are highly respected for their local climbing expertise and also for their endurance under extreme altitude and weather conditions. I aim to be a Sherpa in the area of mortgage banking, helping others ascend to the summits they hope to conquer. My goal is to share with you my insight gained from being a producer/manager/leader with 30 years of experience in all sizes of mortgage firms. Please contact me to investigate how we can work together. Thank you for your attention.

News and Resources

July 6th, 2022

When you age, does everything feel like Deja-vu?

The recent run to the IPO window by independent mortgage bankers brings back past waves of long-ago expired names who counted on the Street to feed cash into their businesses. There has been no better environment to execute that move... Read More...

$10B Is a Lot of New Blood….That Gives New Life and New Hope…Inman Connect 2020

I attended Inman Connect in NYC to see what the real estate world was focusing on and where they see the future of ALL things real estate going. I wanted to see how it matched up with my own views and biases. Read More...

Financial Coaching—Break the Cycle

Over the years I have seen society in the US struggle with repairing the disparity in housing amongst the races, the perception is that if lenders just stopped their conscious or unconscious biases everyone would be at equal footing. That may have been so in the 60-s and ’70s but as lending has evolved into a heavily commissioned game that argument lost its power. Instead what you saw were increasing minority homeownership but at higher or not competitive terms because lenders made more off of the new to the housing gam Read More...

Pivot from Panic to Strategy

2019 will be a pivotal year for the real estate and real estate finance world. 2018 was the first year of a multi-year period of drought and starvation... Read More...

Timely Tip

Anniversary Dates: Its great to note birthdays of your clients, but anniversary dates are more powerful. First, they are the only thing that truly relates to you both. It reminds you to do an annual checkup and lets you know you are thinking about their financial business so they don't have to. It is also for the family unit. The birthday many times is just for the primary wage earner and if not, the card is to a spouse you really don't know, and it can be disingenuous. You can be personal and professional all in one.