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February 19, 2016 The Mortgage Juiceman Leave a comment

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THE MORTGAGE JUICE FILES

Friday’s Facts with a Weekend Call 2 Action!
Thursdays Thoughts -Rates and Amortization!
Whacked Out Wednesday – 10 Mortgage Commandments!
Two-4-Tuesday – Guideline Day – FNMA Updates!
Monday’s Motivation – Power Move Monday!!
Thriving Thursday – Happy 44th X
Whacked Out Wednesday – Free Report!
Tuesdays Truths -I want a challenge!
Weekend Call 2 Action – Get your Robots working for you! #JUICYList
Thursdays Thoughts – JUICY List Week! Boost your Pipeline!!
Wisdom Wednesday – Training Day! JUICYList Week!
Two for Tuesday – JUICY List Week – Lead Trap Day!
Monday’s Motivation – JUICY-List Week! Let’s get virtual!
Thursdays Thoughts – Lender for Life Mentality – MI Cancellation!
Whacked Out Wednesday – Rule of 36
Two for Tuesday – Business & Passions!
Weekend Call 2 Action – New 1003 Wrap UP!!
Thursdays Thoughts – New 1003 Week – Sections 5-6-7-8!
Wednesday’s Wisdom – New 1003 Week – Section 3 & 4
Two 4 Tuesday – New 1003 Week – Section 2
Monday’s Motivation – NEW 1003 Week!!
Weekend Call 2 Action – Follow up Friday!
Thursday’s Thoughts – Did you get the SKINNY?
Wonderful Wednesday – The People Difference!
Monday’s Motivation – Structure Matters!
Weekend Call to Action – Follow Thru!
Wednesdays Wisdom – 3 reasons why #BrokersAreBetter
Two for Tuesday – Let’s take a walk!
Monday’s Motivation – The People The Difference!
Weekend Call 2 Action -Follow Up Friday!
Thursdays Thoughts – Niches are the game!
Whacked Out Wednesday – Important Parts of Loans!
Two for Tuesday – Guideline Day!
Mondays Motivation – Deals are in the details! #LunchNLearn
Thursdays Thoughts – What to do? #LeadWeek
Whacked Out Wednesday – 10 Days of Pain!
Two for Tuesday -Push or Pull, Organic and Paid, Online and Off!
Monday’s Motivation – #LeadWeek!
Weekend CALL 2 Action – Lead Week is coming!
Thursdays Thoughts – Fannie Mae Updates!
Wonderful Wednesday – Perception is Reality, until reality meets perception!
Two for Tuesday – The 1003 & Offer!
Monday’s Motivation – In Good Faith!
Weekend Call 2 Action – Follow Up Friday!
Thursdays Thoughts – Thankful Thursday!
Whacked Out Wednesday -FHA DTI Buckets!!
Two for Tuesday – Manually Underwritten or Approved!
Mondays Motivation – Set new Goals and Action plans! Q2!
Weekend CALL 2 ACTION! -Do the work!
Thursdays Thoughts -Building an Audience!
Whacked Out Wednesday – LOE/LOX
Two for Tuesday – Credit Counseling and O/O
Monday’s Motivation – New Month!!
St. Patty’s JUICY-NESS!!
Thursdays Thoughts – Getting JUICYer…
JUICY Wednesday – Join Us In Creating Excitement – in your pipeline!!
Two for Tuesday – JUICY Websites!
Monday’s Motivation – Let’s get JUICY!
Weekend Call 2 Action – Move your feet!
Thursdays Thoughts – How Borrower Paid Works!!
Whacked Out Wednesday = Why Mortgage Broker’s are Better!
Two for Tuesday – DU or LP & VA Loans
Mondays Motivation – Sales Goals and Routines!
Fantastic Friday – Guideline Week
Thursdays Thoughts – GUIDELINE Week!
Whacked OUT Wednesday – Guideline Week!
Two for Tuesday – Guideline Week!
Mondays Motivation – Guideline Week!
Weekend Call 2 Action – Create Value for your Audiences!
Thursdays Thoughts – Spreading the Love – Advertising Rules!!
Whacked Out Wednesday – Buyers are Liars!
Two 4 Tuesday – VA changes you need to know!
Weekend Call 2 Action – LOA to a Payday! $
Thursdays Thoughts – Updates and Organization!
Whacked Out Wednesday – Best Practice Mortgage 101
Two 4 Tuesday – REVERSING it UP!
Monday’s Motivation – Collect more Names!
Whacked Out Wednesday – #MindsetMatters
Two for Tuesday – R&T Not Cash Out!
Mondays Motivation -DU Updates, VA guideline changes, and the new URLA!
Weekend Call 2 Action – Get to the Next Level!
Thursdays Thoughts – Last chance to get JUICY!!
Whacked Out Wednesday – Start Branding YOU!
Two for Tuesday – Departing Primary and Identity of Interest Transactions!
Monday’s Motivation – I have a dream!
Weekend Call 2 Action – Sign up for the JUICE!!
Thursdays Thoughts – JUICY Webinar!
WHACKED OUT WEDNESDAY – Rule of 25
Two for Tuesday – Collections and Disputes on FHA!
Weekend Call 2 Action – A Paper Versus Non-Agency!
Thursdays Thoughts – Straight from the heart of wholesale!
Wisdom Wednesday – Be Segment Focused!
Two for Tuesday -Important Dates
Mondays Motivation – Work your Plan!
Weekend Call 2 Action – Just Text
Wiser Wednesday -The well rounded LO!
Weekend Call to Action – JUICY List Action!
Thursdays Thoughts – JUICY List (Cont.)
Wonderful Wednesday – Shiny Object Syndrome #SOS & the JUICY LIST!
Mondays Motivation! – JUICY 2018 wrap up!

TOP JUICE VIDEOS

#FridaysFacts with a #WeekendCall2Action!! – Great guideline tip reminder for all in the industry, LO’s and RE Agents, regarding someone whom is #SelfEmployed! And a #JUICY Call 2 Action for you this weekend! It’s all about taking your pipeline to the #NextLevel! ↓

When it comes to planning some way to make a difference in your own business pipeline, it starts with educating yourself and creating a strategy to implement! The #WeekendCalltoAction is up to you to click here –> NEXT LEVEL LIVE IN DALLAS! And if you didn’t know, there’s already 100+ LO’s signed up, this event is BIG! Like HUGE, and if you want to impact your market place, there’s a discount for the event tickets for the next two days for those that #TakeAction.

As Always –

#SellWell

Friday’s Facts with a Weekend Call 2 Action!
June 28, 2019 The Mortgage Juiceman Leave a comment
#ThursdaysThoughts – Rates and Amortization! There’s two ways someone can “save” money on mortgages. One is through extending the term, and lowering the interest rate. Another way is by shortening the term, and/or lowering the interest rate. Yes rates, let’s talk about historical facts for a minute. We are close to the lowest rates have ever been, period. If your clients are seeking to “save” money, debt consolidation and elimination of mortgage term is a great way to go. What I mean, is show your clients even if in the recent past they did a loan with you, that you could potentially help them access equity and or shorten their term, all due to where rates are today.

Did you know what is called “Re-Casting” can be done 1 time a year by all major servicers? If your clients want to put a large amount down (10k or greater) on the principle of their loan, the new payments can be based on the time left and the new balance. That’s called “Re-Casting”. And is something all servicers will do as a courtesy 1 time a year. Many LO’s do not teach this or even know about it. But it’s a great way for someone whom is proactive to pay off their home fast. ↓ #SalesJUICE

While somewhat elementary to those in the mortgage industry a long time, the problem lies that most LO’s do not house a database that actively monitors their rate and identifies opportunity to help others due to interest rate deductions. Today I want to highlight #ThursdaysTool for you LO’s – STIKKUM – a way for you to monitor your past clients “rates” and to identify when they are in the market. Not only do you get notifications when someone is shopping for a mortgage due to their mtg credit pull, but you can actively monitor for times like now when it’s best for you to reach out to your past clients to save them money monthly. There’s touch points to service your clients like birthdays, and holidays that they can get customized letters and email follow up that remind them of you. CLICK HERE to find out more about ways to make the most out of your past client pipeline, and be a #Lender4Life for your clientele.

As I always say –

#SellWell

Thursdays Thoughts -Rates and Amortization!
June 27, 2019 The Mortgage Juiceman Leave a comment
#WhackedOutWednesday – The 10 Mortgage Commandments! Funny as it is, people actually do violate these all the time and mess up their home financing. This is for all to know, to share, to educate clients, to help your loans close!! Bottom line the most dangerous “things” to do during the home loan process are itemized today as things “Not to do”. ↓

While funny and to a degree comical, these things are in fact the commandments anyone buying a home should follow. The most common in the world of mortgages, is the client showing up to closing with a new car/truck. The second most common is the furniture buy or the credit card discount that was so enticing to get. All of these mess up the debt to income ratios on a loan, and could potentially be the death of financing. Avoid these like the plague!

As I always say – #Share #Interact #Like #Repeat!

#SellWell

Whacked Out Wednesday – 10 Mortgage Commandments!
June 26, 2019 The Mortgage Juiceman Leave a comment
#Two4Tuesday – Guideline Day – FNMA Updates galore! Fannie Mae has been busy this month, with several key updates. Some that may just affect your loans in process! So excited for the new 1003 to come out, just as the past the disclosure “roll out” as optional has been post-poned! The actual roll out date will be too, but we just have to wait for the next update that let’s us know when we can roll out the optional use of the new application.

Some good updates this month, and I hear and see other LO’s mentioning that DU seems a little tighter already. This is the second time in the last 90 days that DU has been updated. And this time Fannie is really vague on what was updated, other than specifically identifying “other risk factors”. This comes down to DTI, reserves and LTV, mark my word, some LO is gathering conditions from a loan and in the last 5 days their file has not been re-ran through DU. And when it does on the final time, there will need to be a restructure to make it work. Risk thresholds are being updated and over time after running so many DU run’s we’ll be able to report back to you and let you know what changed. Just remember the basics on DTI for FHA/VA and Conv.

Basics;

FHA – Three buckets depending on how many compensating factors your file has 31/43 & 37/47 & 40/50

VA – One major backend threshold that is mentioned and that is 41. There is also note of use of residual income as a compensating factor. (this has been the loosest one of them all over the years and more recently have had personally a VA loan with as high as 82 DTI close)

Conventional – While it is widely known that conventional goes to 50 DTI (49.999) in the books (ed) and in programming the thresholds of 28/36 are used. So if your file is over that, you should have compensating factors.

Risk is risk and when it comes down to it, there seems no two files are the same. Just watch your risk thresholds on active loans as DU is updated, and keep rocking.

As Always –

#SellWell

Two-4-Tuesday – Guideline Day – FNMA Updates!
June 25, 2019 The Mortgage Juiceman Leave a comment
#MondaysMotivation – Power Move Monday!! – Might sound silly but this works, big time! Make a reminder for 2:30pm in your outlook calendar and gather your whole team together. Then everyone do their power move on the count of 3! (what ever it might be). It’s best to say something, and to do something at the same time that brings a smile and enhances your energy. This works, it might sound silly, but try it once!

If you do it occasionally through out the day, it can get your blood flowing, and help you bring the energy when it counts! #DuringTheSale! I’m doing mine right about the time I post my #RealEstateWV, and #BikesNRealEstate post on Instagram! You need to plan either activities to switch it up through the day, or to enhance your mojo half way into the work day! Trust me #PowerMoves work, just when you need them.

On a side note today, love love ♥ the fact that LO’s, Agents and Consumers are searching the site for guidelines, if needed use the search bar at the top and search any key word!

As Always –

#SellWell

Monday’s Motivation – Power Move Monday!!
June 24, 2019 The Mortgage Juiceman Leave a comment

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Shawn "The JUICEman" Devlin

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The JUICEman Files
The Sales JUICE!
Friday's Facts with a Weekend Call 2 Action!
Thursdays Thoughts -Rates and Amortization!
Whacked Out Wednesday - 10 Mortgage Commandments!
Two-4-Tuesday - Guideline Day - FNMA Updates!
Monday's Motivation - Power Move Monday!!
Thriving Thursday - Happy 44th X
Whacked Out Wednesday - Free Report!
Tuesdays Truths -I want a challenge!

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NMLS nmlsconsumeraccess.org; NMLS #2000044; The information, products and advice offered on this site are the opinion/recommendation of Shawn “The Juiceman” Devlin and may not reflect the opinion or operating philosophy of “any mortgage company, LLC, or otherwise stated business. All information is provided “as is” without warranty of any kind. In no event shall “any company, LLC., its affiliates and/or suppliers be liable for any direct, indirect, incidental, special or consequential damages arising out of or in any way connected with the use of this web site or services obtained through this site.

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