Our Story

Over the years people like you have asked me to tell my story of how I created the referral movement in the real estate and mortgage business. So here is the real story – enjoy. Click play below and watch the video.


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Dear Real Estate and Lending Professional,

You have a sea of choices when seeking out training in this profession. Maybe you’re new to the business and looking to build a strong foundation for your career, and you want to get your business up to speed quickly. I may be able to help you.

Maybe you’ve been in this business for years and need some new ideas to put some spark back in your business. Maybe you’re looking for a way to get predictability in your business so you don’t have to worry where your next commission check is coming from. I may be able to help you, too.

Whatever your dreams, goals, or desires, I may be able help you. Becoming a member of the By Referral Only Community is the same as entering into a new relationship. Like all successful relationships there must be mutual commitment to make it work. For our relationship to work for you – it’s got to be a perfect match. This is a key element. Your philosophy and my philosophy must be completely aligned for this to work for the both of us. That’s as important for me as it is for you. It’s a requirement for us to work together.

Yes, I did sell real estate for awhile so I do know what it takes to run a business. Hey, I was rookie of the year my first year. But I found that the business was not in me. I was just in the business. I’ve been training real estate and mortgage professionals for more than 20 years, because long ago I discovered I had a gift for helping to mentor the agents in my office and as a result of my training – get more business for them. In fact, most of the top agents who are now coaching other agents have been trained and coached by me.

Today I dedicate all my time to creating new systems and tools for professionals who are a part of the By Referral Only Community, so they can get more contracts and more closings. My focus is on you.

By Referral Only is not just a “coaching program” or specialized systems and web site-based tools…it’s a living, breathing family. It’s a community of professionals sharing with you the most intimate details of what’s working in their businesses right now. It’s direct access to real people on my Business Advisory Team, who you can ask for help on any subject at anytime.

As a member of the community you’ll never be alone in your business again.

I encourage you to take a look inside the community. See if we’re a good fit for you. See if we match your style and the way you want to conduct your business. See if we match your philosophy and mindset. We want you to put us on your team if you see us as a fit. If not – that’s okay, too.

All the best to you, your family, and your business,

Joe Stumpf

P.S. By Referral Only is a philosophy backed up by systems, structures and support to help you become the best version of yourself. By Referral Only is a great way to build a successful business and a satisfying life. We are here to help you get from where you are to where you want to be.

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