Selling, appraising, handling mortgages have all become functions of the modern loft-building agent. His clients frequently call upon him to handle their end of deals. If he is wise he will refuse to give advice on values in territories with which he is not thoroughly familiar. To advise in such matters in his own territory, the agent must keep track of all important sales, know the earning power of improved property and keep at hand full information about available land and other investments. In mortgage matters, he must know the prevailing rates, and where to apply for mortgages, and have a list of institutions and individuals willing to lend money on certain classes of property. Naturally, he must know whether the amount sought or asked for as a mortgage loan is reasonable or excessive.