Today more than ever, small businesses rely on referrals and repeat business to succeed and reduce marketing costs. While social media and advertising remain major marketing expenses, understanding and working a proactive referral business is still a vital part of any marketing plan.


  • Proactive versus reactive referral business
  • Foundational pieces needed to build a referral-based business
  • How to target your database to increase referrals

Frank Ellerbroek is a Senior Mortgage Consultant for Evergreen Home Loans. He has originated residential mortgages on the Kitsap Peninsula, Washington State, and Idaho for over 24 years.  With referral-based coaching, Frank has been able to work his business strictly by referral for over two decades.

Frank has four team members working as “The Home Team.” His goal is to integrate a client’s loan into their overall short- and long-term financial and investment plans.

Frank has served on the Silverdale Chamber Board of Directors for six years with two years as Board Treasurer and Chamber President in 2015. Frank has also served on the Kitsap County Association of Realtors as a Board Member and Affiliate Committee Chair. In addition, he has been a member of the BNI Olympic Business Exchange chapter for over 15 years.

Frank has lived in Kitsap County for over 34 years with his wife and two sons.