Far from it. I've been doing this longer than you. I am just looking for the calculation reasoning behind "pay my fee or else". My point is; if I don't take a $100 refi with scans because I "needed to get $125" someone else will. Fact! Now, in the good times/old days, I could justify that with the fact that I probably would have filled that spot with my fee. Not now! Chances are you'll not get another offer and therefore lose $100. The new agents are not looking for $25/hour. They probably CAN work at the mall or coffee shop for minimum wage up to $15/hr . So, with only paying for paper, toner, and gas, even low fees by our standards look attractive to them. $/hr worth is only relevant if you can get it. You can only lose money when you don't cover you expenses, not when you don't cover your set rate for time when you would otherwise earn nothing. |