Why I Chose to Become a Dual Agent: Realtor & Lender

In real estate, one of the biggest challenges I’ve seen is the inconsistency in the lending process. As a Realtor, I always strive to provide the highest level of care for my clients, but I often found myself limited in how much I could help on the financing side. Some lenders performed well—sometimes. But too often, the experience was unpredictable, leaving my clients frustrated and uncertain.

That’s why I made the decision to become a dual agent—both a Realtor and a licensed lender. This wasn’t a decision I made lightly, but one that came from a deep commitment to serving my clients better.

The Journey to Becoming a Licensed Lender

In October 2024, I passed my mortgage lending test, a process that required intense preparation. I began studying a month prior, knowing that the test had a pass rate of only 40-50% for first-time takers. Many people take it multiple times before passing.

My study method was strategic:

• 4-hour video courses that broke down the basics.
• Reading long PDFs from two different instructors.
• Taking practice exams to reinforce key concepts.
• Going straight to the source—the CFPB and other lending institutions’ websites.
• Watching movies on the housing crash to understand the real-world impact of lending practices.

I found that the most valuable tools in my preparation were the structured video courses, high-quality practice exams, and engaging financial documentaries that kept me immersed in the material.

Why I Chose Dual Agency

For years, I’ve studied various lending products—down payment assistance programs, first-time buyer incentives, bridge loans, DSCR loans, and more. I wanted to help my clients navigate these options, but without a lending license, my hands were tied.

I also noticed that many lenders tend to simplify things by offering only a limited set of products. While this may make their job easier, it doesn’t always serve the client’s best interests. I wanted to change that.

Then, my brokerage, Radius, introduced a program that allowed agents to become licensed lenders as well. It was the perfect opportunity. I set a date in October to begin the journey, knowing that this path would allow me to offer my clients more control, transparency, and flexibility when buying a home.

The Benefits for My Clients

Now, as both a Realtor and a lender, I can:

• Ensure a seamless buying experience with one point of contact for real estate and financing.
• Provide more lending options tailored to each client’s unique situation.
• Offer transparency by explaining loan terms without bias toward one particular product.
• Avoid unnecessary delays that often happen when miscommunication occurs between separate agents and lenders.

Ultimately, my goal is simple: to make the home buying process smoother, more efficient, and more client-focused. Being a dual agent allows me to do exactly that.

If you’re thinking about buying a home and want a Realtor who can also guide you through the lending process, let’s talk. I’d love to help you navigate your journey with clarity and confidence.