A Loan Officer’s Guide to Navigating the NAR Settlement Changes

The real estate industry is evolving—and so are the challenges and opportunities for loan officers.

With the National Association of Realtors’ (NAR) settlement reshaping buyer-agent compensation and introducing new complexities for homebuyers, loan officers are stepping into a central role in the homebuying process. This is your chance to demonstrate value to borrowers, strengthen your referral network, and build your pipeline by becoming a trusted financial partner.

 
What you’ll learn in this guide  

Discover five actionable strategies to help you succeed in this new post-NAR settlement landscape, including how to: 

  • Position yourself as the starting point of the homebuying process  
  • Educate borrowers on the complexities of agent compensation  
  • Strengthen relationships with top-performing agents  
  • Focus on community engagement and proactive borrower outreach  
  • Leverage tools to expand and protect your referral pipeline  

The NAR settlement has disrupted traditional referral pipelines and added further pressure for agents and buyers alike. Loan officers who step up as educators and problem-solvers will be the ones who win—earning trust, referrals, and repeat business. This guide is your roadmap to staying ahead of the curve.