Additionally, I would setup a formula to ensure that the owner and employees are rewarded for contributing to that continuity. ie backend load some of the price including employee loyalty bonuses.Good LuckNicolas  at AHC Capital

My return is their loyalty and repeat business.

I think you will find loyalty will get you better service from an agent.  

Our creativity is fueled by innovation, loyalty.

The bonus that their loyalty to the owners that treat them well is equally strong.  

Who doesn't like to be treated like loyalty?

Nope, that insight only goes to folks with a little loyalty because I know that if they don't close on this one with me, they will close on the next, so I may as well let them know that the appraisal isn't credible to me.With jumbo: each private end lender is deciding for themselves how conservative or liberal they want to be with their guidelines, and processing/underwriting speed too, and then adjusts interest rate pricing (risk based pricing and/or paying overtime to underwriters) from there.

There's no loyalty on their part so I'm not sure they can expect too much from an agent.

Can't fake that loyalty.

Loyalty is hard to find these days, but when you find someone that works for you, stick with them.