#WeekendCall2Action – Create value for your audiences! Now’s the time to be doing this. What am I talking about? Well here’s a few ideas, how about a First Time Home Buyer Seminar? What about going to visit open houses and network with Realtors? What about highlighting Realtors and their open houses on Facebook? What about going to meet up with a bunch of Lawyers to do a presentation at their monthly meeting? The ideas are endless, you have to “think outside the box” LO’s. NOW’S THE TIME TO ADD VALUE! Because if you wait till June you’ve missed the boat to network!
Today I want everyone to know doing something like this is easy. All you need to do is stick your neck out there. #ActionJackson is where it’s at. It’s the weekend CALL 2 action. Get #ListingBooster and start doing a “Live show of homes” in your area! Go WIDE, do it NOW! Thank me later. GET LISTING BOOSTER HERE! (and we’ll hook you up with the presentation to use to do this)
It all starts with taking action. The referrals, the clients, the exposure, the fun all come as a byproduct of your efforts. Start now! And if you have any “I gotta guy” questions I ♥ those. CLICK HERE and shoot me a “scenario”!
As Always –
#ThursdaysThoughts – Spreading the ♥ – Advertising Rules! Happy Valentines Day everyone! This segment is stemmed from RE Agents posting payments or down payment or something that caused them to be non-compliant last week and I mentioned something about it. There’s a lot that goes into this is my first disclaimer. But you have to start with basics. Understand the “trigger” words and what causes you to have to have APR disclosed. Understand the basics of what any housing and or mortgage advertisement should have on it. Understand what your targeting should INCLUDE to be compliant, because not including certain discriminatory things could make your segmenting OUT OF COMPLIANCE.
There is A LOT that goes into this “advertising game”. And if you’re an LO using FB to “boost ads” you should know what your landing pages have to have on them and what targeting you need to include. I can provide all types of in depth help on this. But many just don’t know where to start. The best thing to do is start with your personal profile and make sure you have your contact information, license & NMLS number, as well as company information on it. Second, make a business page for yourself and put all of the mentioned items on your page for viewing. Remember the trigger words and items to avoid having APR full disclosure and stay away from mentioning them. Be fun, be yourself and start branding who you are.
Many do this WRONG all the time. It’s important to know how to “Spread the Love” correctly on social media. Especially when it comes to the protected classes with segmenting. **This is why organic posts that you push and pull without direct targeting is important. I’d LOVE ♥ LOVE to teach you. If interested check out #TheBluePrint 3 day workshop I have for LO’s to get started online.
I’m a wholesale lender, and I don’t “advertise” towards consumers, I advertise towards #MortgageBrokers for relationships, but some of the same stuff applies to me. Just know the trigger words and what would cause the need for additional disclosures to be added. Get SIGNED UP to partner with a mortgage company with Niche programs to help you close more loans! #EqualHousingLender 🙂
As Always –
#WhackedOutWednesday – Buyer’s are Liars!! Yep I said it! It’s whacked out but the truth. And the biggest part of the lending equation that LO’s need to check up on. I teach and preach best practices for lending in the mortgage industry. My goal is to help you get to the closing table. So when your taking an application and inputting what the Liar says, you have to remember to go back and validate everything. This is what underwriting does anyhow. So might as well prevent issues in underwriting yourself. This means everything in my book. You need to look at the bank statement balances and deposits, you need to analyze the pay stub for deductions, you need to calculate the income yourself, you need to read the title report, inspection and appraisal.
While some of this is mortgage 101, the fact remains many just take an app, gain the supporting docs and shove it in the file without ever reading it. Remember buyer’s are liars! ↓
I have this group of badass originators that collectively help each other, and many different posts on tools and discussions on marketing occur. Feel free to join Sales Talk with Mortgage Pros group on Facebook today! My goal really is to provide as much value as I can to the everyday originators in the trenches making it happen.
I do this various ways and my main gig is helping #MortgageBrokers close more loans. I do this on a wholesale sales level with an awesome wholesale niche lender to offer more options for your clients. Don’t get stuck with loans you can’t close! #GetOnPoint with #BluePointMtg today. Partnering with Mortgage Broker’s across the country everyday to make an impact in pipelines. GET SIGNED UP HERE!
As I always say –
#Two4Tuesday – VA changes you need to know! There is (on Friday) two new types of VA loans. VA type 1 and VA type 2 when it comes to VA refinances. (The old “cash-out” loan) – And with this change there are some key things to know about. Several new guidelines for VA loans and updates I detail in today’s show! ↓ It’s longer today guys and gals, but worth the watch! ↓↓
If you have any “leads” into the new form for showing options for the client I’d be interested to know what you’re using. You would think that if VA says you need to disclose a comparison of options to the clients, they would INCLUDE that in the VA circular. Nope. Didn’t happen. But hey it is what it is. How are you going to show options? Send a note, make a comment, message me, I’d ♥ to know what you’re doing.
And of course I do VA. I love helping Vets, and we do them very well. #GetOnPoint with #BluePointMtg and use us for your VA loans. We go down to 550 FICO, have no manual underwriting hit to pricing, and we will send a file out to a local VA office if needed. (Happens when two unmarried Vets are on a loan). #LetsDoBusiness –
CLICK HERE for the easy sign up!
As always –
#WeekendCall2Action – LOA to a Payday $$! The law of averages (LOA) is what most forget about to work. Those that come everyday to pound the phones and work their territory correctly are the one’s with pre-approvals stacking up. Their the one’s closing loans right now. It’s their GRIT inside shining through. And all about the attitude and effort in doing it. Second, tip is a networking tip for social media today. It’s still early in the year and before the heat of the season is here, you want to be expanding your network. Use today’s tip to do just that.
And lastly, in the process of networking and re-kindling old relationships, make sure you are looking to find GOLD! What do I mean? Well, at this point if you follow me you should have some sort of campaign follow up system for yourself. That includes text messages. So use it. Go to a RE Agent and ask them if they have old leads you can farm for them and see if there’s a pulse in any of the aged leads they have. Trust me these RE Agents don’t work like the shark LO’s I know that follow me. Put in the effort and use it to add value.
My big thing is helping you CLOSE MORE LOANS! That’s what I do well, I structure loans to help them close. I have branded the “I gotta guy” for a reason. It’s funny I get LO’s all the time that call me and the first thing they say – “I gotta guy” – It’s never I gotta girl or I gotta a couple. LOL… So reach out to me via text, email or just a call. You can even submit me a scenario on a form I have all embedded on my virtual business card. Text the word “Juiceman” to 33655 today, and once you open the app, you can even access my pricing with a click of a button. Let’s talk loans!
If you need help with “ideas” or marketing, head on over to the FB page I have, The Mortgage JUICEman – and Join Us In Creating Excitement (JUICE) yourself just by clicking my “Learn More” Button. (Big Blue Button at the top right)
As I always say!
#ThursdaysThoughts – Fannie Mae updates as of yesterday and the course of organization. Being organized is key in everything. Trust me I know. I’m doing it again now, and building the best B2B AE CRM ever built. (Getting organized) I wish I did this years ago. At the beginning of the year being organized is paramount to your success during the peak season months. Are you organizing your data?
Even Fannie is adding in new fresh stuff, uplifting a face-lift to information and organizing and eliminating old un-useful information. Find out what ↓
For me, it’s always been about systematic approach to my business. Just like an LO whom does certain things at certain times in the loan. Like check numbers after the lock, or verify fee’s on the CD, or update the client two times a week. In the B2B world it’s similar and having touch points at different points in a loan has always been my angle. To help my business partners get to the “end zone”. What ever your method to your own madness is = GET ORGANIZED! Now’s the time to do it.
I’m helping Broker’s and LO’s get organized in various ways to take advantage of social media and many program options to offer solutions to their communities. Why not you too? = CLICK HERE – #LetsDoBusiness and get organized together! 🙂
As Always –
#WhackedOutWednesday – Best Practice Mortgage 101~!! The whole whacked out wednesday theme came about talking with a LO about the stuff that happens with loans. We were actually laughing at some of the most common mistakes and “Gary” said this to me, that’s Whacked Out Wednesday for ya… So right then I called it and knew I was going to brand it. So all my Whacked Out Wednesday video’s have been centered around helping LO’s know what not to do. What best practices there are and mortgage basics to help the LO community.
Today is not an exception, and one I’ve gone over periodically as it seems many LO’s seem to skip one of the most important steps. Retail, Wholesale, it doesn’t matter. This is a mortgage 101, best practice that you should implement. ↓
When I was an LO at Ameriquest and at QuickenLoans I will tell you that this was a requirement to close the loan. The LO had to sign and “approve” the HUD-1. Now days the last item breaking down the fee’s and structure of a loan is a CD. It’s still all the same and a best practice to make sure the LO is the one that is approving the CD.
NOT JUST THE LENDER!!! – In fact in most verbiage of a package sent to escrow/title companies from any wholesale lender, it does say just that. That the LO should be approving the transaction. It’s just overlooked, and many escrow/title’s send the CD to be approved back to the “Lender” prior to sending it the the LO/Broker for approval. That’s backwards in my opinion. And YOU need to be accountable for what you “sold” the client.
Make it a best practice to sign off on the final CD yourself.
As always –
#Two4Tuesday – Reversing it UP! There are a ton of LO’s I deal with that have NEVER wrote or even thought about learning reverse mortgages. This is a growing trend that follows the biggest set of #TrendSetters in the US. #BabyBoomers – And more and more people are exploring this option. Might as well learn how to create more opportunity for yourself is my thoughts. #GetOnPoint
With #BluePointMtg we help LO’s that have never done a reverse mortgage by doing all the “heavy lifting” for them. Seriously we generate all the paperwork, we even pay for the inspection (in CA only) and we provide the counseling numbers for the client to call and offer to place in a “Living Trust”. *For super cheap – Ask your AE for more info.
#Two4Tuesday – You get PAID $$$ Front and BACK just like the old days on this one. And it’s growing popularity among the market place as a fantastic PURCHASE LOAN! A ton of “snow birds” are tired of traveling and just want to sell and then buy their last home in a warmer climate somewhere in the US. It’s a trend. And these people are putting down 50% or more in most cases, and are eligible to do a reverse loan and have NO MORTGAGE PAYMENT EVER! And be in their last house!! What?? This loan makes so much sense, it’s time to educate the LO’s so this summer LO’s can educate the clients. Let’s go!
Reverse it UP this year, and don’t give away your reverse mortgage leads to that one guy. Do them yourself, we’ll show you how! CLICK HERE to get approved with BluePointMtg!
As always –
MondaysMotivation – Collect more names!! Great to see LO’s taking advantage of prime times like the super bowl weekend to post and make a message go viral! This is awesome, but is it?? If you look at any “marketing message” you send out and it advertises a website you don’t own, you’re missing the boat! Marketing is about building a list, 100% of the time. It’s about getting people to wave their hand and say “I’m interested”!
Well what if your picture directs people to opt in at another website that you don’t own? Do you see their information? Do you get that name after the fact? Be smart marketing is the motivation today people! I see it all the time where one LO does a great post and soon afterwards another LO uses the same content. That’s great and all, but where are you directing your audience? Do you have something in the “ad copy” that you write to have people reach out? Do you tag your business page or check in? Do you have a short code you use to promote?
With FB and many other social platforms the algorithms do not like when you direct people to an outside link, as they are leaving the platform. So to always post “links” won’t work with reach the way you want it to. However, comments are game on. You can always go back to “comments” and post your link. What are you posting to direct a prospective home buyer to fill out a short form with their information? That’s the 1 million dollar question today!
So here’s some tools to help you LO’s. When I started this all, I didn’t have a lot of money and needed to do things FREE! So here’s a list of tools that can help you collect names, phone numbers and emails all day long.
- Wufoo.com = Great site that if you sign up for, you get 5 free interactive forms you can make. Basically like a “short form” or “long form” questionnaire to qualify your clients and collect their information. ALL FREE!
- Website = Many of you have a website, and you have a “Contact Us” section of your site that allows a visitor to enter their information. Have you used that page? For many it would look like this: https://www.awesomemortgage.com/contactus
- PreApp1003 = The short code is awesome for use in marketing like this. You can tell anyone to “text” the word “Juiceman” to 33655 for example. *feel free to try 🙂 This will enable user to enter any information and gain yours or complete a virtual application. CLICK HERE
- Phonesites = By far one of the easiest ways to collect social profiles on just about all social platforms. You don’t need to be a programmer to know how to use this as a way to make landing pages to help you advertise. CLICK HERE
- Lead Ads with Facebook Funnels = Facebooks own lead form that allows you to capture the whole social profile without them putting in their name, phone number and email. It’s automatic. A complete done 4 you system to turn on a faucet of leads. CLICK HERE
Today I’m adding to my list of names, phone numbers and emails and adding a bunch of Mortgage Broker’s to help in closing loans all year long. Let’s partner and do some wholesale mortgage business together! As always – CLICK HERE for that!
Not tired of links yet are you? It’s only Monday! Have fun collecting leads today.
As Always –
#WhackedOutWednesday – #MindsetMatters!! It’s funny I see this all over, and at the beginning of the year it’s all in the feeds everywhere. Congratulate “Johnny” he began @ XYZ Mortgage Co. – Why people why? Stick to one place and rock it out. The grass is only as green as you make it in your visions. Mindset Matters big time, and you have the ability to manifest your own success. The matter of a good day or a bad day exists in your own mind FIRST!
The #WhackedOut part is people stop inches from gold all the time. Just carried a 99 yard run, and stop on the one yard line right before the end zone. Don’t do this, focus on what works and work what you can. Sure there’s things outside of your control, but you can control more than you think. You see when you doubt your power is when you give power to your doubt.
I’m in the office taking turn downs and turning them into funded loans. Gotta full file on the side of your desk? I ♥ “I gotta guy” questions. Email me today – CLICK HERE
As always – Paint the picture in your mind first, then make it happen!