Whacked Out Wednesday – Do you know the WHY?

#WhackedOutWednesday – Have a rate shopper that is stern about rates and costs and just has their mind set that’s all they want?  That’s the guy you need to ask the most questions with, and dig the deepest to find out their WHY!  He/She is trying to save money for something, what is it?  What is the goal short term and long term financially for that person?  Finding out these things can help you custom tailor a mortgage to help find a solution for that person to reach their goals.

Do not let the clients dictate the situation, take control over the conversation and start being a consultant to help them.  Sometimes people forget they don’t pay rate, they pay a payment.  And the sum of all payments due every month is what takes cash flow power away.  It’s called your obligated debts.  Heck someone who is self employed would benefit from a higher rate to begin with.  There’s a fine balance of how it all works, I’m not a CPA, but if their mortgage interest is too little it could have less of an advantage to them on taxes.  Just one example to think about.

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It’s a full picture you must dig deep to find out WHY are they doing what they are doing! Where are their goals short term and long, and then how can you help them fabricate a plan to get there.  And you do this with, in most cases, the biggest asset that client has.  So, ask questions, don’t just take orders.  Being a mortgage pro, is a form of consultation.  When you approach it this way, your clientele will change.  #SellWell

Two for Tuesday – FHA & VA products

#TwoforTuesday – Two great products today I highlight as my favorite, FHA and VA for sure.  While I love conventional and Jumbo loans too, my team shines with the Government loans.  We do the real IRRRL, the right streamline, and our pricing is top notch.  What I absolutely ♥ about them personally is the ability to help those clients that need help.  Besides the VA loan is the best loan out there hands down.  And of course they make for the best marketing campaigns and we can help a wide range of people.  From 560+ FICO on up!!

If you’re not set up with a lender that can make these loans happen, hit me up, we can JUICE the pipeline together.  Join Us In Creating Excitement and let’s create a campaign to help you drum up business!  In my side of the business, the last thing I want to do is have a conversation where the Broker/LO says they have no business to send.  So what separates me from the crowd is I help my Broker/Bank clients actively create leads, gain resources and tools to help them do more business.  Let’s partner together!

If you have a fan page on Facebook or Instagram and are not gaining leads from it, I can show you how.  The BLUEPRINT is here!

Growing my network to help others get more done. Fill in below and let’s see how we can help you, let’s partner together!

#SELLWELL

Monday’s Motivation – Get clear on your offers!

#MondayMotivation – Do your clients know what you do?  Do you have a need for more business right now?! I help mortgage Brokers and Banks expand their products, and get more loans done!  And I do it by adding value in many ways.  My #Awesometeam of underwriters do most of the work internally to help close loans sent, however I personally help LO’s create successful marketing campaigns to have more loans! Some do not realize that I offer this as a service to anyone, weather they are signed up with me or not! #Reachout I can help you.  The best marketing segmentation campaign to do is the one taught by the Military Mortgage Bootcamp , these guys are great!

Your not slow are you?  If your a growing Bank or Broker I’d love to help you in any capacity, let’s chat, #SellWell!

Weekend Call to Action – Free Leads if you build referral partners!

#WeekendCalltoAction – Referral partners are a must in the mortgage field.  And weather you are new or seasoned this is a gentle reminder to create a cadence to add value to them.  And grow your list, in fact I suggest you go wide fast!  If you want to know how to do this on social media for more effectiveness I have the BLUEPRINT for that!  TODAY AT 3PM EST/Noon Pacific we #GOLIVE inside of the group Sales Talk with Mortgage Pro’s with our *Sponsor #oftheweek Card Tapp App!

The BLUEPRINT is designed with you in mind, someone whom doesn’t have a lot of money to start paying for leads, but you need them!  It’s a sales tool that I developed that sets you up with a cadence frequency with referral partners and allows you to gain more exposure to your website! I talk to mortgage Broker’s all the time that have websites but they have no traffic!  I can show you how to increase traffic online, and gain engagement, referrals and live leads with campaigns!  FREE! You don’t need a fancy dancy funnel to do this.  But if you do, it makes your marketing help the reach of a funnel and potentially reach 1000’s of more prospects.  #SellWell

Thursday’s Thoughts – Short Sale, Foreclosure & Bankruptcy Guidelines

#ThursdaysThoughts – Make a plan and take massive action on it.  #Successwillfollow

Today I go over the guidelines for seasoning and waiting on BK’s, Foreclosures and SS!  Know these waiting periods and what questions to ask your clients, it could save a headache later!

*Sponsor #oftheweek is the virtual business card, if your in sales, you should have a CARD TAPP APP! #Checkitout #SellWell

Solving Problems is my forte’!  Are you a bank that has overlays to prevent risk?  Good thing to do actually, however, as a non-delegated specialist my bank can help yours!  We can open up products you may not have currently for your sales force, all while mitigating risk on your FHA neighborhood watch percentage.  A great option to outsource underwriting on certain FHA loans. (manuals or below a certain FICO band)

Are you an LO and business is slow?  Maybe your a Broker and do not have the support you wish you had on your files from your lenders.  We can be the newest edition to your lender arsenal! I ♥ Wholesale Brokers!  And I help others grow their business!  Fill in below and let’s connect if you have any of these problems!

*Also available for any “I gotta guy” questions, hit me up in the office! #SellWell

Whacked Out Wednesday – Collection Guidelines

#WhackedOutWednesday – Today’s installment is all about collection accounts for FHA and Conventional guidelines.  There’s some JUICE in here that you may not know.  #Checkitout  PS>>> I’m accepting transferred appraisals and new FHA submissions 🙂

Check out the #SponsoroftheWeek whom is; CARD TAPP APP

A virtual business card can help you “track when to strike”! #SellWell

 

Two for Tuesday – Mortgage Insurances

I ♥ GOVIE LOANS, USDA, VA or FHA are a specialty of mine.  I do these loans for my Broker #partners down to 560 FICO!  Today being #TwoforTuesday I wanted to address the up front insurance fees and monthly MI’s for all these programs.  And provide a guide on this that could help you remember them.

#CardTappApp is the Sponsor this week and can custom tailor any app for the sales your in.  The owner was a #MortgagePro that was seeking to gain more exposure! #Checkitout CARD TAPP APP – CLICK HERE

I WAS WRONG!  LOL, I remember that majority of FHA loans are typically over 90% LTV and not a 15 year.  But I am placing the charts for each product below;

FHA FIRST:

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Here’s where I was wrong, looks like if you have less than 78% LTV on a 15 year FHA loan the MI stays on the loan for 11 years and can fall off.  I guess I forgot that 🙂

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NEXT IS VA, I ♥ VA loans and it seems my Brokers educate me on this loan more than any.  The guidelines are so awesome for this loan, did you know you can payoff debt with sellers contributions?  Check out the Chart below and identifies based on the “branch of military” what the funding fee is;

VA-Funding-Fee-Chart

And Last but certainly not least the chart for the USDA Guarantee fee;

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#SELLWELL

Motivational Monday – Guideline Week

#PrayerstoVegas – Wore the hat out of respect, what an unfortunate event.  This week I go into guidelines to add value for all.  I am partnering with new Brokers, and Banks in October, sign up below; This weeks new sponsor is CARD TAPP APP – A virtual business card that tracks when your clients look at it.  You get notified, and there are even ways to co-brand with others.  Great sales tool! CARD TAP APP WEBSITE

Talking FHA or VA?  Price me out today, PM me, send me an email, reach out on LinkedIn or Facebook, I’d love to show you our rates.  #Letsworktogether

#SELLWELL

Weekend Call to Action – Think exposure, think different referral sources

#WeekendCalltoAction – Are you green and growing?  Literally are you networking with many different people in different industries?  Not just RE Agents for example?  Are you using social media to gain exposure?  Do you have a fan page or business page online?  Are you in many groups?

These are all great questions to ask yourself about your business.  When it comes down to it, there should be a strategy about networking and marketing to help sales.  Not just to post how awesome you are!  lol.  When I look at someone’s fan page and they have the last post two years ago and say it’s slow, I show them why.  Where are the actions for the posts?  Most just post and hope and pray it goes viral.  There’s a strategy to this.  And a way to ORGANICALLY (meaning FREE) get exposure to your fan page, your post tagging your business, your special for the month.  But do you do them is the question?  I have put together #theBLUEPRINT !! A way to start from scratch and learn how to run campaigns on Facebook.  I break it down into steps and describe what I call the 5 P’s of posts.  That allows you to segment what you post with a rhyme and reason to gain exposure, increase relevancy, and get sign ups.  (leads!)

That’s what you want right?  Leads to do more business!?  *Most do, and don’t realize how many leads are in abundance to grab.  #FREELEADS I can show you how with #theBLUEPRINT

Thanks to our sponsor this week, PERFECT LO , an interactive 1003 application that YOU can try on your next few deals.  #FREETRIAL Click here

The BLUEPRINT is HERE –>> #THEBLUEPRINT

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Thursday’s Truth’s – A Plan backed by ACTION!

#ThursdaysTruths – Many say they want success, few do what it takes to get there!  There is definitely a shortage of action takers out there.  I talk to people all the time that are “slow” or so they say, but yet when presented a plan to get more done, less take action than you would think.  I believe the true reasoning behind this is discipline, planning and knowing how to take massive action.  Today I will detail that for you.

First, write down your goals, then make a list of small activities as steps to help you get there.  Then plan out specific time blocks daily to do those activities.  Put the plan of attack right on your desk so you see it every day.  Then take massive action!  Yes, you have to do work! #whataconcept While funny, it’s the moral of the story, many dream, but most don’t act on them.

Brought to you by our sponsors this week, Perfect LO! #Checkthemout

#SellWell

If your SLOW in business I have the BLUEPRINT to help you obtain more leads and opportunities to grow your business!  The BLUEPRINT for LEADS

lambo1

Mortgage sales expert. Helping mortgages close everyday.

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