#MondaysMotivation – Man I wish I was going back back to Cali Cali! (Weather was awesome) What an awesome visit to headquarters as always. I ♥ seeing the support staff that makes me look like a super star. The 1 day turn times and success hands down goes to them. Second, while there we had a bunch of really awesome meetings with some core companies we mingle with, like Fannie Mae! Fannie was there, an AMC was there, our hedge fund for our Non-QM product was there. Ton’s of great information I will share this week, watch the video’s to come! Check out today’s below ↓
Do you do FHA loans? How about VA? If you send in a check to any lender for 100 dollar sponsorship for VA yearly, we should be one of them! I am growing with relationships with Brokers that support AIME and BRAWL left and right. If you are looking for an alternative to UWM but one of the “good guys” to do business with, we are it! #LetsDoBusiness – You can actually #TryBeforeYouSignUp – Click below and we can go over your “I gotta guy” scenario, price your loan out together and get started.
#MondaysMotivation – A guideline week! I haven’t had one of these in a minute so I figured to share some fun guidelines and common questions and answers to the “I gotta guy” questions I get. If you have an “I gotta guy” question, hit me up this week, I’d love to hear from you.
Today’s guideline that is unique that I find that Broker’s like, is we can go as high as 50% DTI on a manual underwrite on a VA loan with no compensating factors. My goal is to offer a stellar service as an Account Executive, (Lender Rep) and not only close the loans you send, but do it timely, with great pricing and the ability to help move a file when it counts. Our turn times are 1 day, I can’t stress enough on how fun it is to close loans in 10 days! (or less). It happens all the time, we closed a loan in 10 days with one submitted on the 8th, subtract the 19th (presidents day) and we CTC’d it in 10 days.
Rates are great, turn times are great, and I love love love ♥ marketing. So together if you partner with me, I can teach you and your team tricks and tips to developing effective campaigns to help you source business. Let’s chat, I’m in the office all this week, #LetsDoBusiness!
Guideline week – Gotta love it, if you don’t have an AE whom can answer your scenario questions, help you price out loans, or help you gain more business fill in below! Let’s go business! Click here! #SellWell
#MondaysMotivation – Creating urgency to help clients get off the fence and start with you is an art. A form of persuasion at it’s finest in the sales industry. One of the best ways in the mortgage industry to do this is with the rates. What you quote you want to be able to deliver. But if a client hangs on to your quote for two weeks and comes back to you things could be different. We are in a rising rate environment at this point. The trend is upward. This isn’t a new thing, but rather just more “noticeable” recently.
Explain just that to your clients. What they get quoted today will be different tomorrow. In almost all mortgage situations. Things change daily, us mortgage pro’s know that. But your clients do not. Use the “changing times” to create urgency within your pitch and gain a commitment to do business!
I always sell in ranges when quoting rate(s), but now more than ever it’s important to explain how things can potentially change, and advise your clients to commit and move forward with you!
When in doubt, ask for the business again. Don’t hesitate to say your going to do your best to deliver on what you show them today, but it’s important that they act now! The only way you solidify costs is with real invoices from all third party fees and a locked rate. Simply state; “Lets start the process today!” #SellWell
#MotivationalMonday – I do the “The Mortgage JUICEman” to brand me. JUICE is an acronym; Join Us In Creating Excitement. When I was an originator I was known to always have a redbull or a “green AMP” at my desk inside a call center. – The JUICE was always flowing. But all kidding aside, I think due to my hearing loss I spend a lot of energy focusing during the day, more so than someone whom doesn’t have to concentrate on what’s being said. So I don’t miss it. But point is, the whole JUICE thing stuck with me as a result through the years and I branded it as “me”. You should have some story like this too.
You should be branding you in a way that makes you unique, fun and memorable to work with for your clients. In sales, that’s exactly what you want, to brand yourself and have that be remembered by others. I help others think outside the box quite often and have a training that I put together to help others start their action taking in getting their brand marketing started on a Facebook Fan Page. Today’s video to start the week is a story about just this. Someone whom was having a hard time “branding” and after our conversation they took an idea that was real to them and branded it beautifully. ↓
I’m in all week helping others brand and grow their mortgage business! The blueprint can help you do the same thing. From establishing how to brand, to creating a tag line or theme or even marketing campaign to run. Brand you, not NMLS# 123456789. Just a thought to open your mind and tap into your creativity this week. Brand you and do it with a purpose, you’ll get more results. The BLUEPRINT is here! #SellWell
#MondaysMotivation – Happy Monday! – Let’s rock the week off to a great start. The idea is to make the phone ring and do business right? So bring it right out of the gate this week. Think outside the box, and use any and all resources to help you. My suggestion – get creative first thing.
Of course I have a silly example in my video, but the point is use your resources, use your call log, notes (if any) heck use social media. Remember you are a professional investigator, look up your leads. Your role is to peak interest so someone wants to talk to you. So don’t be so plain vanilla when you leave a message. OR catch someone on the phone, you get one time to give a first impression. Be fun, be authentic, and be you and real. The use of information to help you make your message be retrieved as important and relevant is a skill. DIG DEEP first thing this week. That’s my want to spark in you.
Think outside the box. Check someone out on social and mention about it in the first minute you connect with them, or make a remark that would entice them to call you back, that’s the point. Be creative. If you’ve called them 2 or 3 times and you can see they opened at least one email with your name on it, mention it. Ask for a courtesy call back, make fun of the fact that they may have gotten 15 calls about the same thing. Or mention the lead source.
This week, I am looking to help more Broker’s with marketing, more LO’s with loans, and partner with those that want to have a responsive AE. I am curious, if I could help you source business by helping make marketing campaigns with you, would you be interested in calling me back? I am looking for more Brokers to be partner with this week, know a mortgage guy? As always, #SellWell
#MondaysMotivation – “I have a dream”! – A dream that impacts many business owners Nationwide, and Loan Officers far and near, with service to help them close more loans, gain more pillar partners, and get more leads! A dream that grows someones pipeline, and a business plan that double’s the impact! Yep I have a dream. A dream that in every valley, and every mountain top across the country, will be exposed to funnels! A marketing dream, to increase the chances of owning a piece of the American Dream all across our great Nation. Let Mortgage Marketing Freedom Ring! Let it ring, let it ring. I have a dream to let mortgage marketing freedom ring, I commit to helping my business partners learn to perfect a marketing strategy that helps them preserve and offer the American Dream. I commit to helping Mortgage Marketing Freedom Ring! Let it ring! When a new lead is input, let it ring, when a email drip campaign begins, let it ring when we help Pillar partners source business. Let freedom ring to Mortgage Marketing when new referral sources are added. Let Mortgage Marketing Freedom ring! Thank God Almighty, Let freedom ring!
Ha ha, I had to be fun and entertaining, while placing light to a little source of business. This is what marketing’s about, and it’s fun. If you didn’t laugh at least once, don’t bother filling in the form. I make this mortgage stuff fun, and am a great Account Executive with a fantastic support staff. I always place myself in the position that most impact my clients. With great rates, speedy turn times (1 day right now fyi) and a product mix that can supplement where some other lenders have overlays.
If you’ve had a dream, of a responsive AE that can get stuff done and push a file if needed I’d like to connect! If you have a dream to obtain a lender that help you where some others have overlays, I’d like to connect! If you have a dream of learning social media but don’t know where to start (in my network or not) I’d like to connect! If you have a dream of helping more homeowners in 2018, I’d like to connect to help you develop a plan to do just that! I have a dream to help you make Mortgage Marketing Freedom ring! 🙂
#MotivationalMonday – The biggest advantage any one LO can have over another to “win” the business is truly educating the borrower and not just selling them a loan with the lowest rate. It’s being a consultant, a financial advocate to the client to educate them about their own credit and understanding how guideline work.
Today’s video I go over some common “collection” questions and a way to look at a report to know in advance if the borrower will qualify. Without having to run DU. I suggest yes, you run DU to actually “read” what DU says. But there are some guidelines written in stone. You should know what to look for up front.
Some people are good at doing this and calculating DTI correctly to begin with. 99% of bad applications has to do with, missing information and or guidelines not understood or taken into consideration. This is absolutely one of them in regards to manual underwrites.
If you’re seeking leads to pull credit, I can show you how to generate leads organically, totally free! In fact, a buddy of mine is doing a special all this week, and if your serious to step up your marketing game, here’s the in! – This is for a plug and play listing magnet that will generate buyer and seller leads galore. You can use them to pre-qualify a client and then hand them off to a referral partner you have. What better way to get on a good side with the best RE Agent in town than give them leads. Click below and get ready to blow up! ↓
#MondaysMotivation – Holiday Spirit is among us and lot’s of “teams” are having holiday parties etc. Take pictures, show them on your social media is my opinion. A “People post” is one of the 5 types of posts I teach, and this one is golden. In 2017, I built a pipeline by helping broker’s advertise on social media. I kept this strictly to those that were in my network upfront, and then mid year monetized this due to the success others where having. I even partnered with some of the best programs and done for you solutions for paid advertising this year. For those that want to learn how to do this on their own, or for those that just want someone else to work the ad and they just focus on selling leads.
My Blueprint I made a digital product to help any and all LO’s I can. If you want to learn organic marketing on a fan page, (which is a pre-req to running paid ads in my opinion) feel free to reach out! I made the BLUEPRINT to be affordable and allow you to WIN within 30 days or less. To date, the best is someone doubling their fan base inside of a week, and another got 17 free leads in the first week of implementing the blueprint. Also, In my group Sales Talk with Mortgage Pro’s I aligned this year with more partners that have tools for LO’s. From virtual business cards, to virtual 1003 applications that help LO’s with questions to fill out the 1003. I have the best website design for mortgage brokers I networked with and credit repair partners, to condo cheat sheets and even application flow sheets you can use. It’s full of tools in the file’s tab now. The JUICY list is growing. Join Us In Creating Yes’s!!
I feel like I want to help as many that would like to help themselves this week. This week only, I’m offering 75 dollars off the BLUEPRINT to anyone that wants to start. Must pay in bitcoin! 🙂 I am going to help more and more people into 2018 with added value on whom to learn from, to what coaching programs to join, and roll out a few more trainings myself. Join Us In Creating Excitement (JUICE) inside the group with 4000 people in the industry talking and helping others. (Goal is 10K by end of 18)
The BLUEPRINT teaches you how to #Push and #Pull your page and messages you have to gain leads free. This organic presence increases your relevancy on facebook and helps be a stepping stone to help others get into paid ads down the “very short” road by doing so. Why is it so important to have a social media presence in 2018? Well it’s a way to use social media to increase your pillar partners to gain referrals. And it’s a prerequesite of running ads, and helping you develop an audience. This is how LO’s dominate their local market place. And this is ripe for the taking in almost all areas. (Trust me there is not enough LO’s doing these things).
Share your stories on social media of helping others, that’s the biggest advice tip I can give you. Facts tell, stories sell. Plain and simple. I hope you have a festive start to your week! #NoVideoToday 🙂 #SellWell – Go tell your own story! 🙂
#MondayMotivation – Great day to discuss, as we start the week! – YOUR WHY? Or in my case Whys, as today is the Twin’s bday. Noah and Luke are 10 years old! WOW! I’ll never forget the day I left Quickenloans right before a “Power hour” to go to the doctors with my wife. She was expecting a C -Section in the coming days, and while I had skipped a few appointments she had, she told me she had a feeling this was it. We even went to the visit with our “special bag” all packed up just in case. Sure enough, Luke was stealing from Noah (food) and she was low on ambiotic fluid. While being pregnant with twins she was considered High RISK! So naturally everything was very sensative at this time. I didn’t have a choice. I remember walking out and others saying go gett’em daddy-o!
Sure enough, they were delivered on this day mid afternoon. That whole story we can save for another day. Today, is obviously about the WHY! I suggest you create some vision board or some “why” you can keep in front of you daily in sales and use that as your own #MondayMotivation over and over. I’ve done it with “things” to pictures of my kids. Your WHY should drive you to keep pushing in sales. It’s always a numbers game. Maybe the numbers where in my favor when I had the kids as identical twins are not hereditary, it’s the luck of the draw!
Work your Law of Averages everyday to the best of your ability and you will create your own LUCK! Luck comes to those that work for it. It’s always worked this way, and if you attempt to work for your luck, you can create your own luckiest days! Today I challenge you to create a collage or make a picture, or find a snip from a magazine of something you want. It can be your why, your motivation, and your reason to work your LOA everyday! Law of Averages are created when your subconscious mind see’s the goal, even if you don’t think about! You see it and your mind will help you work for it to create your own luck. #SellWell
Don’t rely on luck, create your own luck! I help others do just this with advertising and marketing plans to increase their social media reach! Ever gain a lead on Facebook FREE? How about doing it daily with pure intent as a marketing plan! I can show you how – CLICK HERE!
#MondayMotivation – Loans R Us – Get excited like a kid does when they walk into Toy’s R Us and have that same skip to your step! Trust me I know it’s hard to do sometimes, but if you’re surrounding yourself with others seeing success, that low appraisal or fall out won’t matter!
Keep going, feed the front end of the pipeline and the backend comes out great! In our industry of mortgages you can’t help not to come up with roadblocks! It’s all part of the game. What I suggest is you try to prescreen the best you can the things that can make or break a loan upfront. When taking apps, make sure you’re asking a handful of questions to prevent things from happening!
Where did your refund check go to last year from the IRS – What address? (that’s the address that goes on the 4506-T form) And this probes that they filed taxes!
Is there any job gaps greater than 30 days in the last two years? (part of employment section)
What are homes selling for in your area? (Probe what they think their house is worth and use this as a guide to help research with them, what other “similar” homes have been sold for in the last 3 months) – Search this with the client. Set the right expectation “range” and then structure the “refi” deal with the lower end of the spectrum.
When we start this process of your home loan Mr. Client, I need to remind you to NOT do a few things! (List 10 commandments)
Ask what the clients long term and short term goals are, you’ll be surprised sometimes and they will tell you a way to custom tailor their mortgage the best! What was a rate and term, could be in fact a cash-out opportunity!
Review their credit with them, teach the client about credit based on what you see on the report. Some tid bits of knowledge on how having multiple open lines, revolving smaller balances etc are all apart of the bigger picture for clients. Educate them based on what you see. (this part is something LO’s develop over time, my suggestion read an article or two about credit)
Now’s it’s time to network, and start planting all the seeds you can to harvest later! My suggestion, start using social media for your prospecting as well as closed deals that can give you a RAVING REVIEW! This week I challenge you to gain a testimonial on your business Fan page on social media. Use it as a catalyst to help you gain more leads and deals. #SellWell