Want simple relationship strategies that actually turn into referrals? Check out how loan officers are using small, thoughtful touches to win more business consistently: MortgageMarketingAnimals.com In today’s Flashback Friday, Carl White shares one of the simplest and most effective referral ideas he has ever used as a loan officer and branch manager. It starts with identifying your top real estate agents’ birthdays on Facebook, sending a small birthday cake one day early with a clever message