There has been a real shift in the last several months.
Files are taking far longer than they used to.
What took three hours now takes eight.
Even top producers are feeling it.
Lenders are tighter and the margin for error is smaller.
This is not a temporary phase.
It is the new normal.
That is why leading with value matters more than ever.
Showing clients how you think upfront changes the conversation.
When value is clear early, everything else becomes easier to navigate.
