Affiliate Spotlight: Moving Business Forward by Putting Others First

Having worked in the furniture and self-storage business, Justin Hart had seen and heard firsthand how movers poorly handled their clients. Resolved to help families have a better moving experience, he started <a href="https://jitmoving.com/" as_button="false" button_theme="">Just-In Time Moving &amp; Storage</a> in 2005 with one truck, a small team and a mission to treat customers like family and their belongings as if they were his own.&nbsp;It’s a mission that has helped propel his Metro Phoenix business into a full-service local, long-distance and international mover, with more than 20 trucks, more than 70 employees and well over 1,000 five-star reviews across the internet. Justin is currently President of Arizona Moving Association — an elected position — and a few months ago, Yahoo Local named his company the “best long-distance mover serving Phoenix.”<h3>Going Above and Beyond for Clients</h3>“Moving shouldn’t be a horror story,” Justin says. “We work hard to treat people like we want to be treated.” Striving for 100% customer satisfaction, he says he and his staff take responsibility for themselves and their work. “If we make a mistake, we apologize and work to make it better. We always work to get better.”Administrative Manager Sonya Duncan agrees. “Justin will find a solution even when the mistake isn’t ours. He goes above and beyond.”Quickly pointing out that this put-others-first mentality extends to more than customers, Sonya says she has never felt better cared for by an employer than she has during her 11 years at Just-In Time.“We respect and value one another,” Justin says of his staff. “We serve our team well so they will, in turn, serve their clients well.”&nbsp;That includes providing his staff with quality equipment and technology. For example, the Just-In Time fleet includes state-of-the-art trucks with GPS technology, advanced climate control systems and enhanced safety features that protect drivers and the loads they carry.&nbsp;“It makes our drivers happier when they are working with equipment they can trust,” Justin says. “We don’t want to have to replace people. We want to find good people, keep them on board and help them grow with us.”&nbsp;&nbsp;<h3>Caring for Employees for the Long Haul</h3>Indeed, the long tenure of his employees — an average of 10 years — has provided Just-In Time with consistency and structure. “I’ve watched employees grow up, move out of the house, afford a car, a home. I think an employee should get a good wage, be treated well and have a good life,” Justin says.&nbsp;Several employees began in their teens. Miranda Duncan, Sonya’s daughter, is one such employee. While in high school and college, she took on increasingly complex tasks and learned about the business, eventually advancing to a full-time position as project coordinator, overseeing military moves.“I heard a lot [from my mom] about how amazing it was to work here!” Miranda says. “Justin was very understanding and flexible with my schedule during high school and college.”&nbsp;Having worked for other companies while also working at Just-In Time in the earlier years, she says none of them have “even come close to the perks of working here. I’m proud to say I’ve been here nearly a decade, and I don’t plan on ending that streak.”<h3>Supporting Non-Profits to Serve the Community</h3>Part of Just-In Time’s culture of putting others first involves serving the community. Food and housing security and providing for the needs of children are dear to Justin’s heart.&nbsp;Since 2020, the company has moved 8 million pounds of food for Move For Hunger. They have partnered with <a href="https://furnishingdignity.networkforgood.com/" as_button="false" button_theme="">Furnishing Dignity</a> to provide free moves, collect and move furniture to set up families escaping homelessness and return their dignity.&nbsp;And they have joined the Rotary Club of Mesa to come alongside students who are unhoused and/or don’t have permanent guardianship by providing a mentorship program, paying a stipend to the student for going to class and getting good grades.&nbsp;“We set them up with outfits, give them a free MacBook computer by working with another partner, fulfill their holiday wish list and provide them the structure and support to keep from dropping out of high school so they can enter their next phase of life.” A recent graduate and Just-In Time mentee, interested in entering the moving business, will soon join Justin’s team as an employee.&nbsp;“We’re willing to take on as much as we can to help the community,” he says.&nbsp;It turns out that doing good for its clients, employees and the community has been good for Just-In-Time's business.&nbsp;“When you’re starting out, you think you have to advertise, advertise, advertise,” Justin says. “But your number one way [to market] is boots on the ground: meeting people, finding out what is needed, spreading the word. It’s critical.”In other words: putting others first.<hr><h3>Partnering With National Van Lines To Move the Company Forward</h3>“We’re big fans of National Van Lines,” Justin Hart, owner of <a href="http://jitmoving.com" as_button="false" button_theme="">Just-In Time Moving &amp; Storage</a> says. “The staff is knowledgeable and willing to train us without asking for anything back.&nbsp;“Being a <a href="https://www.nationalexpressmove.com/" as_button="false" button_theme="">NationalExpress Move</a> Affiliate provides opportunities for us to handle moves we can’t otherwise fill,” Justin says. “Rather than tell clients we can’t serve them, we can contact National Van Lines and ensure the client gets the right service they need. And we still make money for the move.”“I especially appreciate how willing everyone has been to help me understand the paperwork and what is needed to move the military,” Project Coordinator Miranda Duncan says. “The service members appreciate our ability to come alongside them and our communication.”

14 Ways To Show Others They’re Important and Appreciated 

We all need a little help now and then, and the need often grows during this time of year. As you fill in your calendar with holiday events and to-dos, make space to give back. These 14 ideas will show others they’re valued and appreciated. And who knows? The kindness you give might just become the greatest gift you receive.&nbsp;<h3>14 Ways To Give Back</h3>1. Is there a holiday production taking place in your town? Offer to gather props and set materials and move them from storage to the stage and back.2. Gather with your staff to collect food, toys, coats or gift cards. Join a cause already in motion or organize one of your own. Designate your office as the drop-off location. Bonus: It’s a great way for clients to see your business giving back.3. Leave extra coins at the laundromat or automatic car wash for anyone short on change.4. Spend an afternoon at a nursing center, writing and addressing cards for those who wish to send holiday greetings but aren't physically able to.5. Partner with a local church to collect presents for families in need. If you can, offer to transport all the gifts in one trip to make things easier on volunteers.6. Learn about <a href="https://moveforhunger.org/" as_button="false" button_theme="">Move for Hunger </a>and <a href="https://moveforhunger.org/join/national" as_button="false" button_theme="">join them</a> during the holiday season or next year. <a href="https://moveforhunger.org/join/national" as_button="false" button_theme="">National Van Lines is a proud partner</a> of this nonprofit organization, dedicated to reducing food waste and fighting hunger.&nbsp;7. Could someone in your neighborhood use a hand, a meal, just someone to talk to? Carving out time during your busy week will mean so much to your neighbor – and you'll feel good, too.8. Surprise first responders with coffee or cookies and thank them for keeping your neighborhood and/or community safe.9. Do municipal buildings in your area need help with their decorations? Offer to transport the decorations or set them up.10.The next time you're at the drive-through, pay for the meal of the person in the vehicle behind you. Imagine their surprise and pleasure when they drive up to the window with payment in hand.&nbsp;11. Organize a run, walk or charity fundraiser for an organization that’s dear to your team. If you don’t have an organization in mind, consider one that <a href="https://www.nationalvanlines.com/community-partnerships/" as_button="false" button_theme="">National Van Lines partners with</a>.12. Write personal notes of gratitude. Tell your coworkers how their character, work ethic or positive attitude has impacted your business.13. Is your team competitive? Turn “doing good” into a friendly competition through the end of the year. Encourage everyone to appreciate or honor someone each day and challenge them to outdo one another. Celebrate and share stories of kindness during a special holiday lunch.14. No doubt you know a person or family you can support, perhaps even a coworker. Initiate a team collection or gift to make their holidays merrier.&nbsp;When you see a physical, emotional or monetary need that hasn’t been addressed, step up and rally others around you. Sometimes, one person’s initiative is all that’s needed to spark lasting change. When you take time to show appreciation and remind people they’re valued, you <a href="https://www.nationalexpressmove.com/blog/ideas-for-giving-back-to-your-community" as_button="false" button_theme="">make the holidays bright </a>for them and yourself.&nbsp;Do you have other ideas not listed here? Does your company have a tradition of doing good during the holidays? Let us know. We’d love to share your idea or story with others!

Help Your Team Stay Motivated When the Workweek Shrinks

When the days get shorter, temperatures drop and business slows, it’s easy for motivation to dip, too. When you or your coworkers need a boost, turn to the ideas in this list to stay energized and productive all winter long.<h3>Encourage Personal Change</h3>1. Offer energizing snacks. Bring in a bowl of fruit and bottles of flavored water to help everyone choose healthy snacks and stay hydrated. Healthy eating is important all year, but especially when energy is low.2. Brainstorm while walking. When the weather and sunlight allow, take a walk alone or with others. The movement will <a href="https://walkingwithnora.com/how-walking-boosts-creativity/" as_button="false" button_theme="">boost endorphins, dopamine and creativity</a>. No sidewalks nearby? Try walking at a local gym or mall. If staff members have unused treadmills they’d like to donate, set them up in an office where coworkers can walk during breaks or meetings.&nbsp;&nbsp;3. Invite a wellness expert. A nutritionist, massage therapist or sleep expert can share helpful insights during a lunch-and-learn. For maximum participation, ask your coworkers what topics would interest them most.4. Match your work to your energy level. Work on your hardest to-do items during your peak energy hours. When your focus or stamina starts to fade, switch to a smaller or easier task. You may find that completing a quick win gives you the boost you need to dive back into the tougher work.5. Turn to something novel. When you struggle to do even the easiest tasks, wake your brain by focusing on something new. Try a stretch you’re not familiar with, change your work location, learn how to say thank you in a foreign language, brighten your computer screen or write with a brightly colored marker or computer font.<h3>Revisit Work Routines</h3>1. Light things up! Do you typically keep the office lights low? Increase the wattage for a few months or open the blinds and let in natural light. The bright space will help everyone feel energized and ready to take on the day.&nbsp;2. Add music. Ask everyone to suggest a motivating song and create a playlist that runs in the break room. (Depending on the songs, you might find yourself or others moving to the beat. Instant energy!)3. Try stand-up check-ins. Rather than a long sit-down meeting that has everyone saying they need a nap, schedule a short standing gathering. Standing will encourage short and lively discussions and a quick return to work. If you haven’t tried them, <a href="https://leaderstoolbelt.com/the-power-of-standup-meetings-why-15-minutes-can-transform-your-team/" as_button="false" button_theme="">these tips will get you started</a>.4. Set realistic seasonal goals. Nothing is more demotivating than working toward impossible-to-reach targets. Learn about <a href="https://www.forbes.com/advisor/business/smart-goals/" as_button="false" button_theme="">SMART goals</a> to meet business aspirations and keep motivation high.&nbsp;5. Block out time. If you need to be head-down on a project, mark your calendar as busy and turn off notifications. Tell others under what circumstances they can interrupt you and empower them to take on more than usual.<h3>Create Fun or Host Friendly Competition</h3>1. Celebrate themed Fridays. Choose a theme, decorate, play music in the breakroom and dress for the occasion. Schedule a reveal, where everyone can gather to show off their outfits.2. Host a winter sprint. Have each person or team choose a task they’ve been putting off and dedicate weekly time to working on it. Celebrate each completed task by ringing a bell, giving out a special button or awarding a trophy the person or team can hang onto until someone else completes a task.3. Make progress visible. Are your employees visually motivated? Add a marble to a vase, hang a banner on the wall or add a piece of a jumbo jigsaw puzzle every time a milestone is reached.&nbsp;4. Plan quick game breaks. Is your team working on an exceptionally hard project? Surprise them with an invitation to place a few minute-to-win-it games you’ve set up. A five- or 10-minute break can increase morale, strengthen team bonds and put everyone in a good mood to return to the work at hand.&nbsp;5. Turn goals into contests. Is your company preparing for spring or summer initiatives? Start now. If you don’t have anything in mind, <a href="https://www.nationalexpressmove.com/blog/top-3-sales-tips-for-movers-during-slow-months" as_button="false" button_theme="">consider these methods for increasing sales</a>. Include everyone across the organization and offer small prizes for top ideas, new contacts or outstanding effort.Winter can test motivation. But with a few thoughtful habits, tweaks to your routine and bursts of fun, everyone can stay upbeat until the days grow longer, the temperatures rise and business increases.

Make the Most of Family Moves During the Winter

The winter season poses a special challenge for movers and families alike. Not only can weather be an issue, but so can the holidays — creating a potential for stress that’s higher than usual. With a few considerations, you can set expectations for clients and be their hero. Find out how.&nbsp;<h3>Help Clients Plan for an Inclement Climate&nbsp; </h3>Whether winter in your area means snow, rain or intense heat, you can count on the weather to change at a moment’s notice. Help your clients prepare for fluctuating conditions by asking if they’d like to keep any clothing and accessories with them and by providing them with a checklist to help them button up their home for the next family.Show them you have their back. Monitor the weather and share updates. Explain how you’re preparing for their winter move. Many people get so caught up in selling their home, decluttering and handling last-minute details that they forget to check the forecast where they are and where they’re headed.If you are having an initial meeting with a client who anticipates moving within the next few months, encourage them to book early. Explain to them that holiday schedules and winter weather can account for slower deliveries. Don’t forget AI. When you know what “prompts” to write, AI can return results to help you<a href="https://www.nationalvanlines.com/blog/how-to-plan-a-safe-winter-long-distance-move-with-ai-tools/" as_button="false" button_theme=""> plan a safe winter long-distance move</a>.&nbsp;<h3>Keep the Happy in Their Holidays </h3>Does your client want delivery on New Year’s Eve? Is Christmas too late for their furniture to arrive? Discuss timing and any additional costs up front. Put everything in writing so the family doesn’t forget or feel surprised.Find out what’s important to them. Do they want to decorate? Host a family dinner? Dress for a special event? Pack priority items in clearly labeled boxes and make them easily accessible for clients to unpack.As a small gesture of goodwill, consider offering extra packing materials or small services at no charge. To help families think ahead, send our <a href="https://www.nationalvanlines.com/blog/quick-winter-moving-tips/" as_button="false" button_theme="">quick winter moving tips</a> to them.&nbsp;<h3>Sometimes the Giver Becomes the Receiver </h3>Moving can be emotional and stressful. Families on the move, especially during the winter, will appreciate your extra care and foresight. By going the extra mile now, you’re not just helping families manage their move, you’re also setting up your business for referrals and positive reviews in the new year!

AI, Optimism and Opportunities: Key Takeaways From MBA Annual25

Market outlook, macroeconomics and artificial intelligence took center stage at the Mortgage Bankers Association’s conference in Las Vegas this past October. Promoted as “the largest annual gathering of real estate finance professionals,”<a href="https://www.mba.org/conferences-and-education/Tech-at-Annual-Convention/schedule" as_button="false" button_theme=""> MBA® Annual25 </a>drew thousands eager to learn from experts, collaborate in workshops and network with peers and vendors.&nbsp;We share some of the key takeaways from the event.As an MBA Premiere Member and exhibitor, <a href="https://www.nationalvanlines.com/" as_button="false" button_theme="">National Van Lines</a> was proud to participate in the conference, continuing our commitment to supporting growth and innovation across the mortgage and real estate sectors. Many attendees stopped by our booth to connect, learn about our legacy of service and register as <a href="https://www.nationalexpressmove.com/" as_button="false" button_theme="">NationalExpress Move Affiliates</a>. Housing Supply and Mortgage Origination Volume Expected to Rise in 2026 MBA Chief Economist Mike Fratantoni and his team announced their forecast for the remainder of 2025 through 2026. With current inflation and a weak job market, they anticipate the Federal Open Market Committee will cut interest rates before the end of the year.&nbsp;Frantantoni noted that lower rates could spur an increase in refinance activity, echoing patterns seen earlier in 2025. The team also projects that the falling rates and a greater housing supply will push total single-family mortgage origination volume from $2 trillion in 2025 to $2.2 trillion in 2026.&nbsp;In response to the Fed’s announcement, President of National Van Lines Mark Doyle said, “If the Fed does move to lower interest rates and we see increased refinancing, everyone benefits — from families to REALTORS® to vendors. For movers, it means helping people relocate with confidence. National Van Lines stands ready to support that movement with full-service moving, packing, and storage solutions for all our residential and commercial relocation clients.&nbsp; A “Historic” Year for Mortgage Legislation and Industry Advocacy Calling 2025 a “historic” year, MBA President and CEO Bob Broeksmit highlighted the association’s advocacy and its impact on shaping legislation. He shared that the MBA has influenced nearly 10% of all laws passed by Congress to date, including the Homebuyers Privacy Protection Act, the VA Home Loan Program Reform Act and a major tax spending bill.&nbsp;Addressing thousands in attendance, he added, “Now you have the stability and relief you deserve.”&nbsp; Introducing the new 2026 MBA Chair: Christine Chandler Takes the Helm A hallmark of the annual conference is the swearing in of the new MBA chair. Christine Chandler, executive vice president and chief operating officer of M&amp;T Reality Capital Corporation, will assume the role in 2026. A longtime MBA member and industry advocate, Chandler shared that her focus as chair will be to cultivate the next generation of leaders, expand access to affordable housing, and encourage MBA members to participate actively in advocacy efforts.“What makes the MBA so important [is that] we recognize a fundamental truth: We’re stronger together,” she said. “And right now, we have some amazing opportunities to move forward together.”&nbsp; A Mix of Emotion: AI Technology and Keynote Inspiration Cybersecurity, tech-stack optimization and training strategies were among the technology topics covered at MBA Annual25. But artificial intelligence was front and center with breakouts, roundtables, boot camps, demos in the HUB and general sessions.&nbsp;Many attendees left the conference inspired and equipped to write powerful AI prompts, streamline operations and save time and money. Others expressed uncertainty about the rapid changes that continue to come with the technology.&nbsp;Addressing the emotional impact of AI’s disruption, keynote speaker and journalist Maria Shriver encouraged attendees to embrace “this moment” of transformation.&nbsp;“You are capable of unbelievable things,” she said. “You might not even know of them yet, but you have all the strength you need to get through whatever life is going to throw at you. And community and friends and relationships are what carries you.”Looking Ahead to MBA Annual26 in Chicago <a href="https://www.mba.org/conferences-and-education/annual-convention-expo" as_button="false" button_theme="">MBA® Annual26</a> is already open for registration. Set to take place in Chicago, not far from our offices in Broadview, Illinois, you can count on National Van Lines to be there — once again connecting, collaborating and celebrating innovation across the mortgage and real estate industries.&nbsp;NationalExpress Manager Erin Doyle shared her excitement about the event:“There was great energy at the annual conference in Las Vegas! Our team enjoyed engaging with vendors and partners across the industry … exciting things are ahead!

Housing Market Trends Every Mortgage Banker Should Know

Mortgage bankers are working in a market that feels more unpredictable than it has in years. Rates move up and down, homes remain expensive and many buyers and sellers are waiting for the right moment. With so much change, it is hard to know what signals matter and which ones can be ignored. A clear view of the housing and mortgage picture helps cut through the noise and gives bankers the insight they need to guide clients with confidence.The housing and mortgage industries always shift, but 2025 is bringing changes that matter deeply to anyone in lending. At <a href="https://www.nationalexpressmove.com/blog/become-a-relocation-services-expert" target="_blank" as_button="false" button_theme="">NationalExpress Move</a>, we keep a close watch on how mobility and housing trends connect because when people move it is often tied to their financial and lending choices. This article takes a high-level look at housing, lending and consumer behavior so mortgage bankers can stay ahead.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/45249b56-0fa0-4a9b-9c91-95337e3f43c9.jpg" alt="A couple reviews current trends in the housing market. They are preparing to buy a new home." width="1200" height="630"><h2>What does housing affordability look like in 2025?&nbsp;</h2><a href="https://www.nar.realtor/research-and-statistics" target="_blank" as_button="false" button_theme="">Affordability</a> is still the biggest story of the year. Interest rates have fallen a little from the highs of 2023 and 2024, but they remain well above what younger buyers expected. Home prices in many regions have also stayed high, which leaves first-time buyers facing steep challenges.To bridge the gap, buyers are turning to new strategies. Families are pooling income, retirement funds are being tapped for down payments and down payment assistance programs are more common. Even with these tools, many borrowers are struggling to qualify for the homes they want.For current homeowners, affordability issues have created a freeze in the market. Many hold loans with very low rates and hesitate to give those up. That keeps existing homes off the market, leaving fewer chances for new buyers.For mortgage bankers, affordability is both a challenge and an opening. Knowledge of financing tools and assistance programs can make the difference between closing a loan and losing a client.<h2>What are the current inventory and new construction trends?&nbsp;</h2><a href="https://www.jchs.harvard.edu/state-nations-housing-2025" target="_blank" as_button="false" button_theme="">Housing supply is still tight</a>, but some areas are improving. Builders have slowly increased construction, especially in places with strong job growth. The Southeast and parts of the Midwest are seeing more new homes. Coastal markets remain limited by high costs and zoning rules.Markets with steady construction often see more mortgage activity. Bankers who follow new developments can predict where purchase loans will rise. Suburbs near major employers are especially active, drawing both first-time buyers and families moving up.Where supply is low, the type of lending shifts. Refinances, home equity loans and renovation financing often replace new purchase loans. Homeowners who cannot move are choosing to remodel or expand instead, which keeps lenders busy in a different way.<h2>What patterns is mortgage lending seeing right now?&nbsp;</h2>The borrower mix looks different than it did only a few years ago. Affordability challenges have created a wider range of borrower types:<ul><li>First-time buyers using FHA, VA and state programs to get into the market</li><li>Move-up buyers cutting back expectations and buying smaller or less costly homes</li><li>Investors still active in some regions, though higher financing costs have slowed activity</li></ul>Lenders are responding with more flexible products. Adjustable-rate mortgages and buydowns are more common again. Specialized loan programs are also growing.Mortgage bankers who can explain these products clearly add real value. Borrowers often feel overwhelmed by choices, and plain-language guidance can help them move forward.Another change is timing. Buyers are taking longer to prepare, budget and compare loans before they make a move. For bankers, this means building relationships earlier in the process and staying connected longer.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/0d706acf-2ce2-43d4-b75b-1c14cc515985.jpg" alt="A coffee cup sits next to a laptop. There is also a pair of glasses and a mortgage application." width="1200" height="630"><h2>What are some current relocation and mobility trends in the housing market?&nbsp;</h2>Relocation continues to influence housing demand, though in quieter ways than the large migration shifts seen earlier in the decade. Job changes, lifestyle moves and corporate relocations still create steady lending opportunities.Corporate relocation is rising as companies settle on hybrid or office-based policies. When a company expands in a city, housing demand often grows quickly around it. Mortgage bankers who track these moves can identify local demand even when the wider market looks slow.Lifestyle-driven moves are also steady. Retirees seek lower-cost markets, families look for more space and individuals prioritize quality of life. These moves may not make headlines, but they do shape demand.Mobility remains a steady driver of lending. Even if the national market feels uneven, local shifts tied to jobs or lifestyle continue to open doors for new business.<h2>What kind of technology and consumer expectations should I be aware of?&nbsp;</h2>Technology has reshaped how borrowers approach the mortgage process. Digital tools for pre-approvals and document uploads are now expected. Clients want faster responses, real-time updates and the ability to manage much of the process online.Yet technology does not replace guidance. Borrowers, especially first-timers, still want a trusted expert to explain their options. The strongest position for bankers in 2025 is combining digital speed with personal advice.Borrowers compare the mortgage process to every other part of life. If they can shop for cars or manage money with a few clicks, they expect the same with loans. To meet this need, bankers must deliver both clear communication and efficient service. <a href="https://www.nationalexpressmove.com/blog/creating-one-stop-journey-mortgage-bankers" target="_blank" as_button="false" button_theme="">Transparency and speed are no longer optional, they are the standard</a>.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/1758b9d9-5c2f-4c94-bfc0-1fd81f6c056c.jpg" alt="A mortgage banker discusses housing trends with his client on a video call. " width="1200" height="630"><h2>Staying Aware in 2025 and Beyond</h2>The housing and mortgage market in 2025 is shaped by four major forces: affordability challenges, uneven inventory growth, evolving borrower profiles and higher expectations for service. For mortgage bankers, keeping these factors in view is essential to understanding client needs and staying competitive.At <a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move</a>, we see how closely housing patterns connect to mobility. Every change in affordability, lending and relocation affects how and where people move. By staying alert to these shifts, mortgage bankers can build stronger relationships and prepare for what comes next.You just got the latest on high-level housing insights, and how they can impact your client base. Now, learn about becoming an invaluable asset to your clients with our piece on <a href="https://www.nationalexpressmove.com/blog/become-a-relocation-services-expert" target="_blank" as_button="false" button_theme="">how to position yourself as a relocation services expert… without moving a box</a>.&nbsp;

Creating a One-Stop Experience for Clients as a Mortgage Banker

At <a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move</a>, we have years of experience helping people relocate across the country. We’ve seen firsthand how stressful the process can feel when borrowers are left to manage the mortgage and the move as if they were separate journeys. Families who should be celebrating their new home end up scrambling to book movers, missing timelines or feeling overwhelmed by details they never expected.Mortgage bankers are in a powerful position to change that. By connecting clients with trusted resources beyond the loan, you become more than a lender. You become a partner in their success.By the end of this article, you will know why today’s clients expect one-stop experiences, how the disconnect shows up for borrowers and how creating a seamless journey benefits both your clients and your business.<h2>Why Today’s Clients Expect One-Stop Experiences</h2>Borrowers are used to convenience in nearly every part of their lives, especially when you consider the typical <a href="https://www.zillow.com/research/buyers-housing-trends-report-2024-34383/" target="_blank" as_button="false" button_theme="">Millennial and Gen X demographic</a> that’s buying a home. They book travel through bundled flights and hotels. They shop online and receive packages promptly. They pay a single subscription fee that gives them access to music, shows and storage.Naturally, they expect the same kind of simplicity when making the biggest purchase of their lives. They do not want to juggle separate pieces while also managing family schedules, work deadlines and the emotional side of leaving one home for another.Most homeowners move <a href="https://www.nar.realtor/research-and-statistics/quick-real-estate-statistics" target="_blank" as_button="false" button_theme="">within 30 to 60 days of closing</a>. That tight overlap makes it impossible for borrowers to see the mortgage and the move as two unrelated events. If those steps are treated as separate, clients feel left to handle the most stressful parts on their own.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/5593a041-db6d-46e8-bc4e-d8530cd4ef2c.jpg" alt="Two women review websites and apps on their laptops and smartphone devices. A mortgage banker must be aware of this kind of heavy tech use with their clients." width="1200" height="630"><h2>How Does Disconnect In the Consumer Lending Process Show Up for Borrowers?&nbsp;</h2>Without integration, borrowers often find themselves pulled in too many directions at once. They hear from a realtor, a loan officer, a title company, a moving crew and a utility provider, each on their own schedule. Instead of clarity, clients end up with a stack of to-do lists that compete for their time and attention.This disconnect shows up in very real ways. A young couple might be racing to review loan documents while also trying to confirm moving dates before their lease ends. A family with kids could be closing on their loan while frantically searching online for movers they hope will be reliable. Instead of celebrating their new home, they spend those weeks putting out fires.Stress builds when no one connects the dots. And while these issues may not seem tied to the <a href="https://www.nationalexpressmove.com/blog/moving-costs-and-loan-readiness-how-bankers-can-help" target="_blank" as_button="false" button_theme="">mortgage itself</a>, borrowers often relate their overall experience with their lender.<h2>What Can Mortgage Bankers Do to Deliver a One-Stop Experience?&nbsp;</h2>Integration does not have to be complicated. It can start with small but meaningful actions that show you are thinking about the full client journey. Here are three practical steps you can make as the mortgage banker to start the integration process:&nbsp;<ol><li>Introduce a vetted moving partner early in the timeline so clients feel prepared before the rush. This means that clients have fewer points of contact, which reduces confusion and saves time. They feel supported at each step, right from square one. &nbsp; </li><li>Provide borrowers with moving checklists and timelines alongside loan disclosures, making relocation feel like part of the plan instead of an afterthought. When education and resources are shared early, they can make smarter decisions and avoid last-minute costs.</li><li>Direct clients to a resource hub where questions about financing, packing and logistics can all be answered in one place. In a digital age where information is so easily accessible by smartphone, this is a must.&nbsp;</li></ol>With this approach, the mortgage and the move feel less like separate tracks and more like a single guided path. Clients walk away remembering not the stress, but the sense of relief that someone helped simplify it all. They begin to see their lender as someone who understands the entire journey, not just the paperwork.&nbsp;<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/0c879ee8-f75c-423d-bdf4-87ac502653b5.jpg" alt="A couple review a moving checklist on a tablet; it was provided to them by their mortgage banker as a long distance moving resource." width="1200" height="630"><h2>What Is the Payoff for Mortgage Bankers?&nbsp;</h2>The benefits for bankers are clear:<ul><li>You stand out in a crowded market by offering more than rates and paperwork</li><li>Clients are more satisfied and more likely to recommend you to friends and family</li><li>Referrals from <a href="https://www.nar.realtor/" target="_blank" as_button="false" button_theme="">REALTORS®</a>, movers and other service providers strengthen when you prove you can bridge gaps others ignore</li><li><a href="https://www.nationalexpressmove.com/blog/mortgage-pros-guide-to-client-connections" target="_blank" as_button="false" button_theme="">Long-term relationships grow</a> because clients remember the lender who supported them through one of the most demanding times in their lives</li></ul>The result is a business built not only on closed loans but on loyalty and trust.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/8a917cf7-cb02-4c52-8d88-d0777f4a79fc.jpg" alt="A mortgage banker shakes hands with two happy clients after they sign a document. They have just enjoyed a robust set of experienced closing services." width="1200" height="630"><h2>Moving from Transaction to Total Experience</h2>In the past, mortgages and moves were treated as separate worlds. Lenders focused on numbers and forms while clients were left to handle the rest. Today, expectations are different. Borrowers want a seamless, one-stop experience that takes them from closing to move-in without losing their footing.Looking forward, the most successful mortgage bankers will be those who deliver that integration. At <a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move</a>, we know how important it is to grow and nurture the connections and relationships you have with your clients. We’ve seen firsthand that by connecting the mortgage to the move, mortgage bankers can create lasting relationships built on trust and care, all while closing the loan.&nbsp;You just learned about the importance of being a centralized resource and partner for your clients in all aspects of their move. Continue to grow your moving expertise with our companion piece on <a href="https://www.nationalexpressmove.com/blog/become-a-relocation-services-expert" target="_blank" as_button="false" button_theme="">positioning yourself as a relocation services expert… without ever moving a box</a>.

Position Yourself as a Relocation Services Expert Without Moving a Box

Every mortgage banker knows the pressure of closing loans on time. When clients are relocating for a job, school or family reasons, that pressure multiplies. Borrowers in transition want someone who understands the stress of starting over in a new place and can point them toward steady ground. This expectation can create challenges for bankers too. A lack of guidance may slow down the deal or cause clients to turn to a competitor who feels more relocation savvy.&nbsp;The good news is you don’t need to manage movers or pack boxes to be seen as a relocation expert. <a href="https://www.nationalexpressmove.com/" as_button="false" button_theme="">NationalExpress Move</a> has built deep expertise in relocation services. Keep reading to learn how mortgage professionals can align themselves with trusted resources to ease the stress that clients face during a move.&nbsp;<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/676e2575-4d22-4411-9b66-59bd72296f95.jpg" alt="A mortgage banker discusses an upcoming long distance move with a family of three." width="1200" height="630"><h2>What Do Borrowers Face When They’re Relocating?&nbsp;</h2>Relocation is never just about getting from point A to point B. In fact, it often requires the client to manage multiple parts, all at once:&nbsp;<ul><li>Clients may be balancing the logistics of selling a current home or finding a new property</li><li>Clients will be required to adjust to a potentially very different cost of living than what they’re used to&nbsp;&nbsp;</li><li>They might be relocating <a href="https://jobera.com/job-relocation-statistics/" target="_blank" as_button="false" button_theme="">for a promotion or new job</a> that starts on a fixed date.&nbsp;<ul><li>PRO-TIP: According to <a href="https://www.movebuddha.com/blog/moving-industry-statistics/" target="_blank" as_button="false" button_theme="">industry data</a>, job-related moves remain one of the leading drivers of long distance relocation in the United States.&nbsp;</li></ul></li><li>Families often juggle school enrollment deadlines and extracurricular commitments in addition to the financial pressures of a mortgage.</li></ul>Each of these factors adds another layer of stress to the mortgage process. Borrowers who feel overwhelmed may hesitate on paperwork or lose focus on financial requirements, slowing everything down.When bankers show awareness of these realities, it shifts the dynamic. Asking about school districts, start dates for new jobs or housing market conditions in the destination city signals that you see the full picture. Clients are more likely to stay calm and engaged when they feel their lender understands what they are up against. This awareness alone helps you move from being a transactional loan officer to a trusted partner.<h2>How Can I Build a Community Around My Clients?&nbsp;</h2>Most mortgage bankers already lean on strong real estate relationships, but relocation calls for a broader circle. Think beyond the handoff to an agent. Imagine being able to point a borrower to reputable movers, local chambers of commerce, neighborhood organizations or even child care and healthcare providers. This sense of community creates a net of support that helps families land on their feet faster.Building a community of resources also benefits the banker. Each connection you make shows that you understand the challenges of relocation and care about more than just the closing. Clients remember who introduced them to the people and services that eased their transition. That kind of goodwill leads to <a href="https://www.nationalexpressmove.com/blog/mortgage-pros-guide-to-client-connections" target="_blank" as_button="false" button_theme="">stronger relationships</a>, repeat business and word of mouth referrals that expand your reach.You don’t have to build this network overnight. Start by identifying the professionals you already trust in your local market, then expand your circle to include relocation specialists in other regions. Over time, you’ll create a community that borrowers can tap into whenever they move, giving you an advantage over competitors who limit themselves to financing alone.<h2>How Do I Properly Educate Borrowers Before Their Move Starts?&nbsp;</h2>Stress begins well before moving day. Clients often feel overwhelmed the moment they decide to relocate, especially if the timeline is short. This is where proactive education makes a significant difference.Consider creating <a href="https://www.nationalvanlines.com/blog/how-to-move-to-another-state-checklist/" target="_blank" as_button="false" button_theme="">resources that explain common relocation milestones</a>: When to schedule movers, how to plan for utility transfers, what to expect when adjusting to new tax structures or how to budget for hidden expenses like storage and travel. Even a simple checklist or conversation early in the process can help borrowers feel more in control.Providing this type of guidance benefits you as much as it helps the client. An informed borrower is less likely to delay paperwork, miss deadlines or panic when something unexpected happens. By equipping them with knowledge up front, you reduce the risk of last minute obstacles that could derail a closing. And because you are the one who provided that guidance, you strengthen your position as a trusted advisor.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/7cce0106-703e-439b-923b-f2573f857b41.jpg" alt="A mortgage banker speaks with two women about resources and community-based support for their long distance move." width="1200" height="630"><h2>Use Technology to Meet Modern Expectations</h2>Borrowers increasingly expect digital-first solutions in every part of their financial lives, and relocation is no exception. Virtual meetings, mobile-friendly applications and secure portals have become standard. On top of that, there are digital tools designed specifically to support relocation. A few examples include:&nbsp;<ul><li>&nbsp;Moving task apps can help families stay organized with reminders and to-do lists.&nbsp;</li><li><a href="https://money.cnn.com/calculator/pf/cost-of-living/index.html" target="_blank" as_button="false" button_theme="">Cost of living calculators</a> can give clients a clearer view of expenses in their new city. Virtual home tours can reduce travel for house hunting.&nbsp;</li><li>Mapping tools (think <a href="https://share.google/ysKpgRhz4BJsurLTM" target="_blank" as_button="false" button_theme="">Google Maps</a>) that highlight commute times and school ratings can make decision making less stressful.</li></ul>When bankers are familiar with these tools, they can recommend options that fit the borrower’s situation. Doing so demonstrates adaptability and forward thinking, qualities that today’s clients expect. It shows you can meet them where they are— whether across town or across the country— and provide meaningful support during a disruptive time.Integrating technology into your own process also sends a strong signal. Offering digital document collection or video consultations streamlines communication and makes you easier to work with. These steps do not just make life simpler for your borrowers, they also make your business more efficient and competitive.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/b1efae07-4fb4-407e-a993-4be831bc627a.jpg" alt="A young couple meets with their mortgage banker over a video call on their laptop computer. They have their paperwork for their upcoming long distance move in front of them on the table. " width="1200" height="630"><h2>The Next Chapter in Relocation Services</h2>In the past, borrowers often shouldered relocation stress on their own, while hoping their mortgage banker could at least manage the financial details. Today, clients&nbsp; expect a partner who acknowledges the entire journey and provides guidance that extends beyond the closing table.Looking ahead, the most successful bankers will be those who combine financial expertise with relocation awareness through cultivating communities of support, educating clients early and using technology to make the entire process smoother. You don’t need to lift a single box, but you do need to show up as the professional who sees the full picture and connects clients with resources that make a difference.If you want to strengthen that role, consider how partners like NationalExpress Move can support you behind the scenes. With our relocation services expertise, you can confidently deliver the type of relocation assistance that helps clients feel secure from start to finish— all while getting paid for each completed move.You’ve just learned about how to position yourself as a relocation services expert, without having to do any of the heavy lifting yourself. Now, keep empowering yourself by learning more about the benefits of joining a <a href="https://www.nationalexpressmove.com/blog/why-join-mortgage-banker-affiliate-programs" target="_blank" as_button="false" button_theme="">long distance moving affiliate program</a>.

Moving Costs and Loan Readiness: How Bankers Can Help

Borrowers spend months preparing for their down payment and closing costs. Yet one major expense can still throw off their mortgage readiness: The actual act of moving. When clients underestimate relocation costs they may fall short on required reserves or struggle to cover final payments. This directly affects how if you’re able to help them— by that point, it might be too late to reallocate budget or funds to cover these necessary costs.At NationalExpress Move, our ongoing work with real estate and mortgage professionals has shown us that you, as a mortgage banker, are in a prime position to help borrowers budget for the entire process… not just the loan. Factoring in moving costs early can protect their qualification status and prevent stressful surprises. With the right guidance you can keep deals on track and ensure borrowers start homeownership in a strong financial position.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/c1701b3a-22d3-4e20-ab94-0c25569926cb.jpg" width="1200" height="630"><h3>Why Mortgage Reserves Matter and Where Moving Costs Fit In</h3><a href="https://selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements" target="_blank" as_button="false" button_theme="">Mortgage reserves</a> are more than a lender formality. They are a cushion that protects the borrower’s ability to pay the mortgage after closing. They also strengthen the lender’s risk profile.<ul><li>For conventional loans, borrowers often need at least two months of PITIA (principal, interest, taxes, insurance and any dues) in reserves for primary residences.&nbsp;</li><li>Second homes and investment properties may require six months or more.&nbsp;</li><li>FHA and VA loans usually have no reserve requirement for primary residences, but exceptions exist for multi-unit properties or when rental income is part of the qualification.</li></ul>If a borrower uses too much of their liquid assets on moving their reserves can drop below what the lender requires. That can trigger re-underwriting, delay closing or even cause a deal to fall apart. A borrower might think moving expenses are separate from mortgage readiness. In reality, those funds are often counted in the same financial picture.Your role is to help them see how these pieces connect so they make better decisions. Bringing up this topic early builds trust and reduces the risk of last-minute surprises.<h3>The Moving Expenses Borrowers Don’t Always See Coming</h3>Your clients will usually budget for the big-ticket items like hiring movers or renting a truck. What they may not expect are the smaller charges that accumulate quickly and can add thousands to the total.Here are common cost categories and typical price ranges for banker reference:<table><tbody><tr><td colspan="1" rowspan="1">Expense Type</td><td colspan="1" rowspan="1">Local Move</td><td colspan="1" rowspan="1">Long-Distance Move</td></tr><tr><td colspan="1" rowspan="1">Full-service professional movers</td><td colspan="1" rowspan="1">$800–$2,500 (avg ~$1,400)</td><td colspan="1" rowspan="1">$2,200–$5,700, premium up to $10,000</td></tr><tr><td colspan="1" rowspan="1">DIY truck rental</td><td colspan="1" rowspan="1">$150–$250</td><td colspan="1" rowspan="1">$1,550–$2,350</td></tr><tr><td colspan="1" rowspan="1">Packing supplies</td><td colspan="1" rowspan="1">$100–$300</td><td colspan="1" rowspan="1">$150–$400</td></tr><tr><td colspan="1" rowspan="1">Temporary storage</td><td colspan="1" rowspan="1">$50–$200 per month</td><td colspan="1" rowspan="1">$50–$200 per month</td></tr><tr><td colspan="1" rowspan="1">Travel &amp; lodging</td><td colspan="1" rowspan="1">N/A</td><td colspan="1" rowspan="1">$300–$1,000+</td></tr><tr><td colspan="1" rowspan="1">Utility setup/security deposits</td><td colspan="1" rowspan="1">$100–$400</td><td colspan="1" rowspan="1">$100–$400</td></tr><tr><td colspan="1" rowspan="1">Cleaning services</td><td colspan="1" rowspan="1">$150–$300</td><td colspan="1" rowspan="1">$150–$300</td></tr></tbody></table>Beyond these categories borrowers may also encounter fees for elevator reservations, parking permits, fuel, tolls, pet transport or purchasing new furniture and appliances. These hidden costs are what most borrowers forget to plan for and where they are most likely to eat into reserves.<h3>Guiding Clients to Balance Moving and Mortgage Readiness</h3>As a mortgage banker, while you can’t plan the move itself, you still can highlight how certain spending decisions affect loan approval. This starts with explaining “seasoned assets.”Funds for reserves should ideally be in the borrower’s account for at least 60 days before closing. If they make a large moving payment right before closing, the underwriter may question the drop in available reserves or ask for additional documentation. That can add stress and slow down the process.Encourage borrowers to map out their total cash needs in one place:<ul><li>Down payment</li><li>Closing costs</li><li>Reserve requirements</li><li>Estimated moving costs</li></ul>When all four numbers are visible it is easier for the borrower to see where they may be overextended. You can also suggest they look at worst-case scenarios. For example, if their move runs $1,000 over budget what will that do to their reserves? Will they still meet the minimum? By running these scenarios in advance, they are less likely to be caught off guard.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/40f0a1f0-a1ae-4ea7-a6ae-2c1ca5019553.jpg" width="1200" height="630"><h3>Practical Budgeting Strategies to Share with Borrowers</h3>When moving expenses are part of the conversation early borrowers have more options to save and prepare. Share these actionable strategies to keep them financially ready for closing:<ul><li>Start the moving budget discussion at least 60–90 days before closing so clients can plan without feeling rushed.</li><li>Recommend opening a separate account or sub-account for moving funds so reserves stay untouched.</li><li>Provide a list of vetted movers, storage companies and other vendors, disclosing any partnerships or referral arrangements.</li><li>Encourage clients to add a 10–20% buffer to their moving budget for unexpected costs.</li><li>Remind them that timing matters. Large moving payments made just before closing can raise red flags with underwriting.</li><li>Suggest they gather multiple quotes for services and explore ways to save such as decluttering before the move or reusing boxes and supplies.</li></ul>By building these habits into their planning borrowers are more likely to close on time with their reserves intact.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/e3f2ad3b-774e-4d40-a953-833269835703.jpg" width="1200" height="630"><h3>Helping Clients Close With Confidence</h3>When moving costs are overlooked, borrowers can find themselves short on funds right when they need them most. That can create unnecessary stress, complicate underwriting, and even delay closing. By addressing moving expenses early in the process, mortgage bankers can help clients protect their reserves, meet lender requirements and keep the transaction on track.&nbsp;<a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move</a> understands the unique challenges borrowers face when balancing a home purchase with a major relocation. We’re proud to offer partnerships that enhance what mortgage bankers are able to do for their clients, from start to finish.&nbsp; This level of preparation builds trust, reduces last-minute surprise and helps ensure a smooth path to the closing table.&nbsp;Now that you’ve read this piece, you’re that much more prepared to help your clients as they prepare to borrow and sign for their next home. <a href="https://www.nationalexpressmove.com/blog/why-join-mortgage-banker-affiliate-programs" target="_blank" as_button="false" button_theme="">Keep reading</a> in our dedicated article about what it would be like to work with NationalExpress Move.

Why Mortgage Bankers Are Joining Long Distance Moving Affiliate Programs

As a mortgage banker, you’ve probably recommended a mover before. Maybe you knew someone personally or just wanted to help your client avoid a bad experience. But most of the time, those recommendations go undocumented. No follow-up, no visibility and definitely no referral payout.A structured referral process changes that. It helps you support your clients in a more professional way while also creating a reliable source of passive income for your business. The trick is knowing how to hand off the lead, what to expect from the partner company and how to make sure you actually benefit from the relationship.This tutorial breaks down what a well-designed moving referral process should look like based on what affiliate marketing experts recommend.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/bcf480fe-2832-4fc6-96a2-602a2b5ed932.jpg" width="1200" height="630"><h2>What a Great Referral Process Looks Like</h2>Not all affiliate-style and affiliate programs are created equal. Some are little more than handshake agreements. Others put all the burden on you to track progress and follow up with clients. A strong referral process is the opposite: Clear, repeatable and easy to use.<a href="https://blog.hubspot.com/service/customer-referral-program" target="_blank" as_button="false" button_theme="">HubSpot explains</a> that successful referral programs are built on trust, structure and transparency. When your clients feel taken care of and your workflow isn't interrupted, everyone wins.Here’s what to expect from a system that’s actually worth your time:<ul><li>Fast referrals you can submit in less than a minute</li><li>Automatic tracking so you’re not left guessing what happened</li><li>Straightforward payout rules with clear timing and amounts</li><li>Team access so your whole office can participate</li></ul>If the process feels vague or time-consuming, it won’t be used. The best systems reduce friction and provide real results.<h2>How to Hand Off a Client Without Losing Trust</h2>Referrals only work if your clients trust the transition. That’s why the handoff is the most important step in the process.When you refer a moving company, always:<ul><li>Let your client know you have a partner you trust</li><li>Share why you recommend this company based on real outcomes</li><li>Explain that someone will follow up to help them plan their move</li></ul>Example:“By the way, when you’re ready to move, I work with a moving partner that’s done a great job for past clients. I can submit your info and they’ll reach out to help you schedule. Totally free to talk with them and they’ll walk you through your options.”This approach makes the referral feel helpful instead of transactional. Clients appreciate that you’ve already solved a future problem for them.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/e1229aec-627c-42d9-8e67-7a7e0840d9b2.jpg" width="1200" height="630"><h2>What to Expect After You Submit</h2>Once you hand off the lead, you shouldn’t be stuck wondering what happened. A good moving partner provides visibility so you can track results and stay confident in your recommendation.According to <a href="http://impact.com" target="_blank" as_button="false" button_theme="">impact.com</a>, modern referral programs should include tools like automated dashboards and real-time updates so you don’t have to chase anything down.Look for:<ul><li>A login portal or dashboard that shows lead progress</li><li>Status updates like contacted, booked or completed</li><li>Payout timelines you can count on (for example, 30 days after the move)</li><li>A real support contact if questions come up</li></ul>If none of this exists, the program may not be structured enough to serve your business reliably.<h2>One Real Example of How Affiliate Programs Can Work</h2>Let’s say you’re working with a client who’s relocating for a new job. You’re handling the mortgage. You know they’re stressed about the move. Instead of handing them a business card or suggesting they search online, you use a structured referral tool to send their info directly to a vetted partner.That system tracks the referral from the start. The moving company calls the client, books the job and logs the progress. You can log in and see every update. A few weeks after the move is complete, you get paid. Simple, consistent and supportive of your business.That’s the model behind the <a href="https://www.nationalexpressmove.com/create-account" target="_blank" as_button="false" button_theme="">NationalExpress Move Partner Program</a>. It was built for professionals like you who want to support clients without adding more work. The system includes:<ul><li>A quick lead form with auto-filled affiliate ID</li><li>A dashboard showing every lead and its status</li><li>A 200 dollar payout for each completed move</li><li>A real support team available if anything goes wrong</li></ul>Even if you don’t partner with us, you can use this process as a benchmark. If you’re looking for a referral setup that respects your time and helps your clients, this is the kind of system worth considering.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/0a2b5e31-8191-4e08-b15e-70b993cb7c01.jpg" width="1200" height="630"><h2>What This Means for Your Business</h2>Referring clients to a trusted moving partner isn’t new. You’ve probably done it before without even thinking twice. In the past, it might have felt like a favor or just a helpful suggestion.Now, affiliate-style referral programs give you a way to make that same gesture more meaningful. With the right setup, you can give your clients real support during one of the most stressful parts of their move and generate reliable income along the way. It’s about turning something informal into something that actually works for everyone involved.Moving forward, if you decide to build a referral relationship with a moving company, use the guide above as your checklist. Look for systems that are fast, trackable and transparent. Be picky about how your clients are treated and how your efforts are rewarded. Whether you choose NationalExpress Move or another partner, you deserve a process that feels professional, not patched together.You’ve just read about how to refer your clients to trusted long distance moving companies— all while reaping some rewards along the way. Want to see what that looks like in practice? Take a closer look at how NationalExpress Move sets the standard at<a href="https://www.nationalexpressmove.com" as_button="false" button_theme=""> </a><a href="http://NationalExpressMove.com" target="_blank" as_button="false" button_theme="">NationalExpressMove.com</a>.

What Mortgage Bankers Need to Know About Peak Moving Seasons

If you're working with buyers relocating over the summer, you're operating at the intersection of two stressful life events: finalizing a mortgage and planning a move. While those processes may be managed by different professionals, your client only sees one experience. That means problems with moving timelines— especially during the busiest months— can bleed into the overall mortgage process.Peak moving season often overlaps with peak lending activity, especially in markets with high family relocation rates. If you're closing loans between May and August, it's worth understanding how the timing and availability of professional movers can affect your borrower’s stress level, scheduling options and overall satisfaction with the home-buying experience.At NationalExpress Move, we’ve partnered with numerous professionals in the real estate and mortgage space to help coordinate their client’s moves. Our experience has taught us that even if you're not directly coordinating the move dates, being aware of these kinds of common pressures allows you to proactively communicate, offer realistic expectations and strengthen your referral network with providers who can help clients navigate tight timelines.<h2>When Is Peak Moving Season?</h2>The busiest window for moves is May through August, with June and July seeing the highest volume nationwide. This timing aligns with school breaks, job relocations and real estate closing trends.According to the <a href="https://www.wsj.com/articles/swamped-u-s-seaports-are-bracing-for-an-earlier-peak-shipping-season-11653417720" target="_blank" as_button="false" button_theme="">Wall Street Journal</a>, supply chain and logistics operators across the country are now bracing for earlier and more intense seasonal demand, which is something that is mirrored in the moving industry. Movers begin filling their summer calendars as early as late March in some regions. Once those dates are booked, families often have to accept alternate move days, temporary storage solutions or longer transition timelines between homes.The seasonal surge also has regional nuances. In cold-weather markets, the window for moves is shorter due to weather limitations. In high-growth cities, local capacity may be maxed out even earlier than national averages. These nuances are especially important to understand if you work in a market that sees a lot of inbound or outbound relocation activity.Roughly 50% of all moves in the U.S. happen during a concentrated 12-week peak window— with the remaining 50% spread across the other 40 weeks of the year. Our <a href="https://www.nationalvanlines.com/blog/author/paulg/" target="_blank" as_button="false" button_theme="">Vice President, Paul Gregory</a>, compares&nbsp; it to flying over Thanksgiving: Everyone knows prices spike and seats fill fast. We accept that reality with airlines, but when it comes to moving, many families are caught off guard by the seasonal surge in both cost and limited availability.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/8fed4c96-10b5-4af1-827f-d76456784714.jpg" alt="A family of three carries boxes as they move out of their home during peak moving season." width="1200" height="630"><h2>What This Means for Your Clients</h2>Buying a home is already complex. Add a high-pressure move during peak season, and your borrower may be dealing with decision fatigue, rising costs and shifting timelines that affect closing readiness. Here’s how these peak months create unique stressors:1. Movers Book Up FastReliable moving companies typically book four to six weeks in advance during peak season. For families under contract to close in mid-June, this means securing a mover by early May at the latest. Last-minute availability is scarce, and often more expensive.2. Higher Moving CostsDemand drives price. A summer move can cost hundreds more than a winter move of the same size and distance. It’s important to keep in mind that your clients may not factor it into their overall moving budget. Unexpected moving costs can tip the scale for borrowers already stretching to meet down payments, closing costs and new-home expenses.3. Chain Reaction DelaysIf a mover can’t show up on closing day, the client may need to adjust their move-out date, storage plans or lease term. These changes can impact not just the buyer, but also sellers, landlords and service providers. That ripple effect can bring loan timelines under pressure, especially if final walk-throughs or occupancy deadlines are tied to specific move dates.4. Emotional LoadSummer relocations often coincide with job changes, school transfers or major life events. The sheer volume of tasks (packing, utilities, forwarding mail, managing kids) adds weight to your borrower’s experience. Even if everything on the mortgage side goes smoothly, a chaotic moving experience can affect how they perceive the whole homebuying process. This can lead to complications for you— like fewer referrals or bad reviews.&nbsp;Being aware of these seasonal dynamics can help you respond with more empathy, more preparation and potentially more satisfied clients.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/20fad847-8381-48e9-936a-b06015158ee4.jpg" alt="A couple reviews information on their laptop computer, which is placed on top of a sealed moving box." width="1200" height="630"><h2>Where People Are Moving… and Why It Matters</h2>If you’ve noticed more clients moving into (or out of) your area lately, you’re not imagining it. Domestic migration patterns have shifted significantly over the last few years, and some regions are seeing rapid growth as a result.The <a href="https://www.wsj.com/articles/americas-blue-state-exodus-census-data-red-blue-lockdowns-pandemic-florida-california-economy-progressive-11671993469" target="_blank" as_button="false" button_theme="">Wall Street Journal</a> recently reported that states like Texas and Florida continue to lead the nation in inbound migration, while high-cost states like California and New York are experiencing net population losses. These trends affect everything from local housing supply to loan volume across regions.For mortgage bankers, this has two implications:<ul><li>If you’re based in a high-growth area, your summer pipeline may include more long-distance buyers who need extra time and guidance to coordinate their move and closing.</li><li>If you’re supporting outbound clients, especially from states seeing population declines, you may be fielding more questions about multi-state timelines or how to coordinate financing when someone is moving across the country.</li></ul>Even seniors are part of this shift. <a href="https://apnews.com/article/e7474c3f26e42a37c8dc947557d04b58" target="_blank" as_button="false" button_theme="">AP</a> reports that Myrtle Beach, South Carolina had the fastest-growing 65-and-older population in the country this past year, with a 6.3% increase. If you serve retirement-age borrowers, their relocation timelines may also fall during peak moving months.<h2>How You Can Help Clients Prepare</h2>You don’t need to be a moving expert to guide your clients through peak season planning. Just a few thoughtful practices can make a big difference:<h4>Start the Moving Conversation Early</h4>As soon as you know a client is planning a summer closing, encourage them to start researching movers. A simple reminder ("Have you looked into availability yet?") can nudge them to act before it's too late.<h4>Educate Around Budgeting</h4>Flag that moving costs are often higher in the summer, especially for long distance moves. If your client is already stretching their finances, this early heads-up can help them allocate accordingly.<h4>Recommend Trusted Providers</h4>While you don’t need to push one company, having a shortlist of reputable options— especially those with nationwide coverage— can help borrowers avoid scams or unreliable movers. If you have experience working alongside moving providers who communicate clearly and stay on schedule, it’s worth passing that along. We here at <a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move</a> (powered by <a href="https://www.nationalvanlines.com/" target="_blank" as_button="false" button_theme="">National Van Lines</a>) pride ourselves on just that; we also know that we’re one of multiple powerful choices you can make for your business goals and objectives.&nbsp;<h4>Build in Flexibility</h4>If timelines allow, work with your client’s real estate agent to build in a little buffer around closing and occupancy. This is especially helpful if the borrower is moving long distance and relying on multiple vendors to stay aligned.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/30d87a48-2a4b-4efb-a0d8-5c70dd470d68.jpg" alt="A couple meets to sign papers with their mortgage banker prior to moving day." width="1200" height="630"><h2>The Role Moving Logistics Can Play in Mortgage Planning</h2>It’s easy to think of moving day as something that happens after the mortgage closes. But in reality, moving logistics often intersect with occupancy deadlines, loan disbursement timing and home readiness.A delay in one area can affect the others. That’s why professionals across the real estate and lending world are starting to take a more holistic view of the homebuying experience… including the relocation piece. While you don’t need to be hands-on with the move itself, understanding what your client may be up against lets you plan, communicate and support more effectively.<a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move</a> is an option that can offer coordinated support for long distance relocations— but, we understand we are one of many. No matter who you partner with, what matters most is that your client works with a provider who is communicative, reliable and available within the window they need to move. Sharing that insight early can help them avoid unnecessary headaches later.<h2>A Smarter Peak Season Starts with Better Planning</h2>When summer ramps up, so do the moving vans, and the challenges your clients might face along the way. As a mortgage professional, simply being aware of those seasonal pressures can make a difference in how you guide conversations, set expectations and help buyers feel supported from start to finish. Whether your clients are relocating across town or across state lines, encouraging early planning and connecting them with trustworthy resources gives them one less thing to worry about during a hectic time. A smooth moving process is crucial to your clients, and your insights can make it that much better for them.&nbsp;You’ve just learned about how to empathetically and proactively approach peak season. Now, <a href="https://www.nationalexpressmove.com/blog/mortgage-pros-guide-to-client-connections" target="_blank" as_button="false" button_theme="">keep your momentum going</a> with our article about how to maintain thriving client relationships… no matter the time of year.

The Mortgage Pro’s Guide to Stronger Client Connections

If you’re a mortgage banker, you know that the closing table doesn’t mean your job is done. In fact, for both you and your client, that’s when the real work begins.&nbsp;You’ve probably felt it yourself: The deal is closed, but the client’s stress is just beginning. They’re overwhelmed, juggling packing lists, utility transfers, new jobs, school enrollments— and they’re looking for answers. When that stress peaks, you’re often still the person they call. If the move hits a snag or they feel unsupported, it doesn’t just reflect on the mover, it reflects on you. And even if they don’t call, their final impression of the homebuying experience can shift based on what happens after closing.&nbsp;By maintaining and growing your support beyond the transaction, and through offering trusted guidance during the moving process, you position yourself not just as the person who helped them obtain a mortgage, but the one who helped them transition into it. That level of service builds real, lasting relationships. And through leveraging a solution like the <a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move Affiliate Program</a>, it also creates passive revenue and brand equity that compounds with every referral.&nbsp;Here at NationalExpress Move, we’re in the business of helping mortgage banking&nbsp; professionals create long-lasting and impactful relationships with their clients that last well beyond the signing table… and increase the bottom line. We’ve seen exactly how and why nurturing these kinds of relationships is so important for long-term business objectives and goals. We’ve compiled some key moving trends, and how to capitalize on them with the right affiliate partnership.&nbsp;<h3>Why Long-Distance Moves Are Harder on Your Clients</h3>In 2021, nearly 7.9 million homebuyers moved across state lines, according to the<a href="https://www.census.gov/library/stories/2023/06/state-to-state-migration.html?utm_source=chatgpt.com" target="_blank" as_button="false" button_theme=""> U.S. Census Bureau</a>. That trend is rising as remote work affordability gaps and lifestyle preferences continue to reshape where people live, and how far they’re willing to go to find the right fit.Long distance moves aren’t just “bigger” moves. They often require more coordination across multiple days, states and vendors. There’s typically a closing date in one location and a delivery window in another, often with limited housing overlap. Clients may be shipping vehicles, enrolling kids in new schools or trying to align their move with a new job start date. It’s more than packing boxes: It’s relocating a life.For mortgage bankers, this matters because the complexity of the move can impact how clients feel about the entire homebuying experience. A smooth transition reflects well on everyone involved. That’s where a resource like NationalExpress Move comes in: it’s a <a href="https://www.nationalexpressmove.com/create-account" target="_blank" as_button="false" button_theme="">referral program</a> built to give your clients access to white-glove, full-service movers, without requiring you to manage any of the process yourself. And in the case of NationalExpress Move, you’re getting the full backing of a reputable moving company like National Van Lines, too.&nbsp;<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/86c8631a-1f4d-429b-9904-cbc1fd5025b5.jpg" width="1200" height="630"><h3>Client Expectations Are Changing Fast</h3>Today’s homebuyer expects more than mortgage expertise. According to a<a href="https://www.salesforce.com/resources/articles/customer-expectations/" target="_blank" as_button="false" button_theme=""> Salesforce study</a>, 88% of consumers say the experience a company provides is as important as its products or services. In mortgage lending, that experience doesn’t stop with the closing paperwork.According to <a href="https://www.deloitte.com/global/en/issues/work/genz-millennial-survey.html" target="_blank" as_button="false" button_theme="">Deloitte</a>’s 2025 Gen Z and Millennial Survey, these generations prioritize convenience, transparency and proactive communication in their interactions with service providers. They expect seamless experiences that anticipate their needs and provide clear guidance throughout complex processes.They’re used to having options at their fingertips, and they expect the professionals they work with to anticipate their needs without requiring them to ask twice.That mindset doesn’t stop once the mortgage is approved. In fact, once the paperwork is done, many of these clients are looking for what’s next: How do I get from here to there? Who do I trust to move my belongings across the country? What should I be doing in the weeks leading up to moving day?By offering tools, referrals and guidance for life after closing, you reinforce the kind of relationship that earns future business. Adding moving support to your process is certainly helpful. But, it’s also about keeping pace with what today’s buyers expect from every professional they trust.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/1e420976-c2e1-48fb-b7f7-f52b831b6bc1.jpg" width="1200" height="630"><h3>Moving Support Builds Loyalty and Long-Term Value</h3>For most clients, the end of the loan process doesn’t feel like an ending at all, but rather, the beginning of a stressful time. They’ve signed the papers, but now they’re juggling timelines, move logistics and a long list of to-dos that often feel overwhelming. This period is high-pressure, highly emotional and full of opportunities to either strengthen or strain your relationship with them.When clients feel supported during this phase (even through something as simple as a referral to a reputable mover) it can change how they remember the entire homebuying experience. Internal feedback from National Van Lines suggests that clients who receive moving guidance during the loan process are significantly more likely to recommend their lender to others.Offering this kind of support doesn’t require you to take on more work. But it does give you a way to stay present in a moment that’s both meaningful and memorable, and that presence often leads to long-term loyalty.<h3>What the NationalExpress Move Affiliate Program Actually Is</h3>If you’ve never worked with a moving partner before, the idea of a “referral program” might sound like just another vendor relationship. But the <a href="https://www.nationalexpressmove.com/" target="_blank" as_button="false" button_theme="">NationalExpress Move Affiliate program</a> was built specifically to support professionals like you: People who want to help clients beyond closing day without complicating their own workflow.Here’s how it works:&nbsp;<ol><li>You submit a qualified lead for a client planning an out-of-state move.&nbsp;</li><li>That lead goes directly to our team at National Van Lines.&nbsp;</li><li>We reach out, schedule a consultation and manage all aspects of the moving process.&nbsp;</li><li>If your client books the move, you receive a commission.</li></ol>There’s no contract, no system to log into daily and no need to chase updates. You focus on your business. We handle the move.Mortgage bankers often refer to this as a “value-add” because it gives them a way to offer something extra—a trusted service their clients genuinely need—without taking on additional work. It’s a practical way to stay involved during a high-stress time while reinforcing your reputation as someone who thinks beyond the transaction.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/898a9c6c-87a9-4e72-be36-0b04ddf5278e.jpg" width="1200" height="630"><h3>What Onboarding Looks Like</h3>Joining the program is simple. Affiliates receive one-on-one onboarding support, access to a personalized referral portal and optional co-branded materials (coming soon!) to share with clients. You won’t need to track jobs or payments manually: Just log in, refer and let our team handle the rest.<img src="https://nvl-hosting-production.s3.us-east-2.amazonaws.com/images/bd73b07c-b027-465a-b068-d46012c3e420.jpg" width="1200" height="630"><h3>Why This Matters Now</h3>Migration patterns have shifted sharply in the last three years. According to <a href="https://www.redfin.com/news/housing-migration-trends-august-2023/" target="_blank" as_button="false" button_theme="">Redfin’s migration data</a> from 2023, over 26% of U.S. homebuyers are now searching in a different metro area than where they live. Remote work, tax differences and cost-of-living pressures are pushing buyers into new markets, and <a href="https://www.nationalvanlines.com/blog/guide-to-choosing-a-long-distance-mover/" target="_blank" as_button="false" button_theme="">long distance moves</a> are becoming the norm rather than the exception.As more of your clients cross state lines, a reliable moving referral becomes more than a nice touch. It becomes a necessity. Mortgage professionals who build value-add partnerships now will be better positioned to retain clients, win referrals and protect their reputations in a competitive field.<h3>A Stronger Close Starts After Closing</h3>The best mortgage bankers know that closing day isn’t the end of the relationship— it’s the moment your long-term value begins to take shape. Clients remember the people who made their transition smoother, who provided thoughtful answers and who stayed a step ahead even after the paperwork was done.Currently, many homebuyers are navigating major relocations, often across state lines, with more complexity and uncertainty than ever before. They’re looking for trusted professionals to guide them through the full journey, not just the financing. That opens the door for you to offer something most lenders don’t: Support that extends into the move itself.The NationalExpress Move Affiliate Program gives you a simple, reliable way to stay involved without taking on more work. It's a quiet way to show up when it matters most— and that can lead to deeper client trust, more referrals and a brand reputation that travels further than any loan ever could.Curious how it all works? <a href="https://www.nationalexpressmove.com/faqs" target="_blank" as_button="false" button_theme="">Explore the details of our affiliate program</a> and see how one referral can lead to stronger relationships and a smarter closing.