Videos

Two for Tuesday – R&T Not Cash Out!

#TwoforTuesday – Rate and Term not Cash out! Many questions recently on combining a 1st and 2nd mortgage on non-agency, FHA and Conventional loans.  Including paying off an ex-spouse from a divorce decree.  Today’s guideline day so I go over these instances and what makes it cash out or rate and term ↓

Ready? Set – GO!  – I’m in the office taking “I gotta guy” questions on all types of scenarios.  Let’s chat and make a loan out of your scenario.  I absolutely love helping LO’s structure loans to get them done, and done right the first time.  Don’t be shy, all you need to do is text the word Juiceman to 33655 and you’ll get my virtual business card.  On it is all my contact info.  Submit me a scenario and I’ll respond immediately.

As I always say –

#SellWell

Mondays Motivation -DU Updates, VA guideline changes, and the new URLA!

#MondaysMotivation – DU updates, VA guideline changes, and the NEW URLA! Wow lots of stuff happening with increased loan amounts and various updates in the mortgage industry.  There’s one I talk about today that will impact VA loan guidelines that you need to know about.

DU has been updated with a new fancy dancy look.  You might notice day 1 certainty items pointed out, and bolded items to the new way the findings read.  Fannie did a good job updating the findings report on this round.  MAJOR MAJOR MAJOR updates are on the horizon.  I have to say that I don’t want to spoil it, so watch the video on the changes.  ↓  Needless to say the way you figure LTV on VA loan is changing in 3 weeks.

And of course the NEW URLA.  Yes a new 1003, completely redesigned and digital format for borrowers.  Lenders can start “testing” this 1003 now, and Lenders can start using this 1003 on July 1st, 2019.  Yes less than 6 months away.  WOW! So if you haven’t even looked at the new 1003, here’s the link to the forms. —CLICK HERE!

You know I’m all about helping mortgage Broker’s grow their pipeline, let’s do business in 2019! CLICK HERE – I’m partnering with new Mortgage Broker’s all the time.

As Always –

#SellWell

Weekend Call 2 Action – Get to the Next Level!

#WeekendCall2Action – Get to the Next Level by investing in you! It’s ironic that I promoted a marketing webinar for a week and then two other wholesale lenders follow suit.  It’s a TREND!  At the beginning of each year you’ll see this.  The masterminds, the trainings, the webinars.  The truth is, there’s a reason for this.

And that reason is that in a not “as” busy time as purchase season, and just past required continued education, it’s a great time to level up YOU!  If you’re an LO you should be looking to gain more tools for sales use in 2019, more sales knowledge and training.  You should be looking to further your ways to be more effective and efficient.  YOU SHOULD INVEST TIME, ENERGY AND MONEY IN MAKING YOURSELF BETTER!  YOUR BUSINESS BETTER!  AND YOUR ABILITY TO CLOSE MORE LOANS EASIER!

I have had the privilege to connect and network with some great industry leaders early, and have watch many grow over the years.  There’s a band of LO’s that have the best training out, hands down, and they teach any LO how to duplicate the success they do.  They teach how to expand your referral base, how to be more efficient in closing loans, how to utilize your time more effectively, and how you can have plenty of leads to call.  All increasing your pocket book $$.  They help LO’s LEVEL UP big time.  They’re NEXT LEVEL LO’S – And they have an event (go figure in less than 30 days) that I’d suggest you invest in your time, money and energy in.  You’ll probably get to some next level as a result.  (I can say with confidence you’ll grow if you implement)

They’ve been apart of my #JUICYList for almost two years now.  Since the beginning I’ve supported this group of LO’s, not just coaches, they are active LO’s now, that have the best training out for you to increase your mortgage game.  Want to get to the NEXT LEVEL LO’s EVENT IN FLORIDA ON FEB 21-23rd? —> CLICK HERE!

As Always – Take Massive Action – The Grind Includes Friday

#SellWell

Thursdays Thoughts – Last chance to get JUICY!!

#ThursdaysThoughts – TODAYS THE WEBINAR!! @ 1 PM EST!! It’s the last chance to get JUICY! Join Us In Creating Yes’s for your pipeline!  If you’re a broker and signed up with UWM, they have a marketing portal, I’m going to show you how to use that content today.  I’m going to show you how to use FB algorithms to increase your audience on your personal profile and how to use a FAN page/Business page to create a branding strategy.  Yep, I go through the full monte’ of marketing and will be sharing a ton of JUICE Drops along the way.  You’ll probably want to take notes.  🙂

And for those that attend I’m giving away a series of email /text message follow up campaign that you can use to nurture the leads you do get.  It’s called the “10 days of pain”!!  Come Join Us In Creating Excitement about gaining more prospects from your business page and online profiles.  I go though, what to do, when to do it, where to do it, who to do it with and how to do it.  Rest assured you’ll gain more than one golden JUICY nugget for attending.

This is the LAST CHANCE TO SIGN UP!!  Here you go —> SIGN UP HERE

As I always say – Share / Interact / Like / Repeat

#SellWell

 

Whacked Out Wednesday – Start Branding YOU!

#WhackedOutWednesday – Start “Branding” you, and start with registering for the webinar I have tomorrow! I show you how to create campaigns, what types of campaigns to do, what to post, how to post, when to post and ultimately what will grow your local presence and help you double your business!  We’re even giving away the “10 days of pain” follow up email campaign you can use just for coming!

I know there’s several “common” problems that I solve in this webinar.  The biggest issue I get asked or see, is that LO’s go to post and “don’t know what to do”.  We teach the 5 P’s of posts on this webinar that help you segment your messages.  We teach LO’s how to use social engagement to add value to their referral partners.  We provide instant solutions to just about every common “marketing” problem you can think of.  And I’m giving away some marketing secrets that others may not want you to know.

FIND OUT ON THE WEBINAR – IT’S GUARANTEED TO BE JUICY!! –> JUICY WEBINAR

As I always say, share, interact, like repeat!  There’s a reason for that.  🙂

#SellWell

Two for Tuesday – Departing Primary and Identity of Interest Transactions!

#TwoforTuesday – Departing primary and identity of interest transactions guidelines on today’s guideline episode! Check it out, lots of questions regarding these two things right at the beginning of the year.  Seems many people are “moving up” or “down-sizing” and want to either rent out their existing home and buy new, or sell their current home to their kids for example.

Departing primary, best thing to remember here, is if the new home is less than 100 miles away and the client wants to retain and rent out their departing primary residence then go conventional.  It’s allowed.  When it comes to selling your home to a family member, assuming it’s a primary residence of say “Mom and Dad” and they want to sell it to JR.  (The Son or Daughter) Then as long as the kid has not “moved back in” then you can sell the home without LTV restriction.  Once the kid has moved in, they have to pay rent for 6 months in order to buy the home.  Seek professional advice from your local Mortgage broker prior to having a bunch of people move.  🙂

This THURSDAY – I’m doing what will be an #EpicWebinar for LO’s to learn how to gain more leads on social platforms, and how to increase referral partners using information that you already have!  It’s a full monte how to #Brand webinar that I will do inside of 30 minutes.  You’re not going to want to miss the JUICE flowing in this.  Plus for all those that show up I’ll be giving away the #10DaysofPain follow up sequence.  A proven set of emails to use when following up that convert!

Here’s the link to join –> JUICY WEBINAR

As Always –

#SellWell

Monday’s Motivation – I have a dream!

#MondaysMotivation – I have a dream.  Yes a dream to impact and help create a movement in mortgages and help one broker community at a time.  I have a dream to help small independent mortgage broker’s to grow their business year over year!  I have a dream that LO’s and Real Estate Agents work in tandem, and builders don’t steer their clients.  I have a dream to help more loans close and more AE’s know how to build a pipeline.

I have a dream to help as many LO’s as I can become mortgage broker’s, or grow with an existing brokerage.  I have a dream, and that’s why this Thursday at 1 PM I am putting on a webinar to teach LO’s how to brand.  What the most effective campaigns are and how to take advantage of online marketing.  I have a dream, that I impact mortgage broker’s to help them grow a pipeline bigger than they have ever before, and they send just a small piece of that pie to our wholesale relationship.  I have a dream, and that dream is to motivate you – The LO reading this – to do more, grow more, and compete more with any and all retail mortgage companies out there.  Sign up for the webinar here – JUICY WEBINAR – And gain all the insights to help you have the most effective branding strategy to dominate your local market place!

Motivational Monday – Just like MLK – Take MASSIVE action and create a movement of 1st time home buyers in your local market! People are home, kids are off school.

As Always –

#SellWell

 

Weekend Call 2 Action – Sign up for the JUICE!!

Join Us In Creating Excitement #WeekendCall2Action – Sign up for the #JUICYwebinar next Thursday at 1pm EST.  This will be the webinar to learn a ton of tricks, tips and ways to grow your referral base in 2019.  Learn what types of posts to do for best organic reach, learn about the best paid campaign types that convert.  We will even be “giving’ out a copy of the best converting follow up email campaign for all that show up.  It’s called the “10 days of pain”.

Want in, simple, click the link below to get in.  I have the ability to reserve 100 spots.  No joke, and I want to fill it.  If you know someone that’s a LO, and their goals are to double their business, they will do it will the strategies we go over in this webinar.

Want in, CLICK HERE TO SIGN UP FOR THE JUICE!  Join Us In Creating Yes’s for your pipeline, and Excitement for those in the mortgage industry.  LO’s and Agents are welcome.  Sign up is required, I’m prescreening whom I let in this year.  (3rd year doing this and it gets JUICY-er each year)

Can’t wait to see you on it;  Let’s GO!

As Always –

#SellWell

Thursdays Thoughts – JUICY Webinar!

#ThursdaysThoughts – JUICY Webinar is back! This will be the THIRD YEAR I’ve done this at the beginning of the year.  I might have to keep this trend going.  lol  This year it’s going to be the best one I’ve ever given, and I’m going to share exactly how to dominate your local area.  Using online and old fashioned guerrilla marketing to attract agents (in lieu of chasing them) and the “how to” on various campaigning strategies.  I’m going to give tricks, tips and know how I’ve developed and gained that others are often times charging for in their “masterminds”.  I’m going to help the average LO, level up.  Free.

If you know you need to do something online or with more referral partners this year, I’m going to give you the blueprint on how to do it.  No doubt there’s more than one way to skin a cat, and I’ll have only so much time to go over the webinar.  But if there’s one webinar you should join – this is it! Join Us In Creating Yes’s for your pipeline! JUICY Webinar is coming – Next Thursday.  Sign up below ↓

The JUICY Webinar will be aimed at being 30 minutes and I’ll probably move fast.  I’m thinking of several, but I have one special guest I think is going to show.  We’ll see.  🙂 More announcements to come.  For now, if you want to sign up for the webinar, go ahead and CLICK HERE!

As Always –

#SellWell

WHACKED OUT WEDNESDAY – Rule of 25

#WhackedOutWednesday – Is back, and I fully dress the part!! It’s the #Ruleof25! If you struggle with getting consistent deals from partners it’s probably because that partner isn’t in the 25% segment you think they are.  There’s four parts to the rule of 25!

Here you go –

Here’s the rule, it has 4 parts:
1. 25% of the people LOVE YOU no matter what you do. Now of course we need to close on time, give great communication during the loan process and follow up on their leads, but these people are the dream to work with and will forgive you of the occasional “Oopps!” (we all have those from time to time)
2. 25% of the people DON’T like you, no matter what you do. Even if you toss these people gold coins, they’ll complain that you are throwing something at them.
3. 25% of the people LIKE YOU, but are on the fence, and at the whiff of an issue of any sort or size, they fall into the camp of “DON’T LIKE YOU”. These are the referral partners where “you are only as good as your last deal.”
4. 25% of the people DON’T like you, but are on the fence, that if you juggle just enough bowling balls, they like you for a period of time, but soon as you drop one of the balls, they don’t like you again.
The secret to this is to find and hang out with the 25% that love you no matter what! This applies to a lot in life, but we’ll keep it business centered.
The referral partners in this segment, nurture, and do what you can to add as much value to.  These referral partners will be long term and lead to a business life of Happy, Joyous, and Freedom. $$$$
Working with and getting referrals from the other 75% is wasted effort, and leads to a life full of Restless, Irritable, and Discontent.  Basically each group has it’s “segment of what’s tolerated”.  And there’s no real relationship grown no matter what you do.
They key to all this is identifying who is in which group, which takes a bit of time.
I have found that to do this requires a bit of patience and requires strategies that put you in front of prospective referral partners as it’s all a numbers game.. I’ll be going over some of these strategies on my WEBINAR next week.  The secret is to GO WIDE!
The more agents/brokers you meet with, the more of the “25% that will love you no matter what” you will find.  Keep in mind that each referral partner that sends you a deal per month, and assuming you make $2,000 per closed loan, is worth about $24,000 per year in personal income for you as an LO. From an AE perspective the math can be similar with more quantity of loans.
Want to make an extra $100,000 next year, just find 4 of them (More Partners)… See how easy this is!!  And when you find those that fall into your 25% “Love You no matter what” category, it’s just the coolest thing ever!  Business is fun, and can be very rewarding.
Just wanted to share with you the 25% rule so you can have an even more epic mortgage business with referral partners of all sorts in 2019.  This applies to all referral types and business no matter what b2b or b2c. 🙂  #AEs Take note.
As Always –
#SellWell