Monthly Archives: December 2017

Mortgage Originators

Thankful Thursday – Without a doubt

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Key words, #ThankfulThursday and #WithoutaDoubt!  First and foremost, THANK YOU to all my business partners in 2017, and the new one’s to come in 2018! So many great things are happening for those in my network, and I am delighted to help the execution of goals for my partners.  Without a doubt, I will conquer doubling my business in 2018 and I can’t wait.  I will be doing so much more to help explode those that want to be helped!  I am intrigued to unleash the secret sauce in my Blueprint for others!

The key to my success has been consistently expanding my network, and helping others along the way expand their business to be more profitable and gain market share! I have done this through aiming at adding value to my network by helping Banks / Credit Unions / Broker’s and LO’s advertise and achieve their goals.  With the help of others services, I am able to “offer” tools for any business to succeed! From SEO, to Websites, to Virtual Business Cards, to 1003 applications and a resource of knowledge that I keep adding value to those in my network.

It all started again last year this time! I was basically given the short end of the stick on what I thought was an “opportunity of my career”!  While unfortunate, I decided to do what I do best, go back to TPO and help others close loans.  So I started to added value and help other broker’s increase their business by #SocialSelling!  I have a proven track record and I was teaching how to use a Fan page on Facebook to help increase business to those Broker’s in my business! As a result if they got a loan from campaigns we generated, my partners would send me that loan to #myAwesomeTeam to underwrite and help close for them.  This grew super fast, and was at a point I had to stop doing it myself for others and put something together as instructions for others to do the same thing.  Enter my #Blueprint! Once I started to open this up to any LO across the country I was able to help others in many different positions and companies not just my own network of Brokers.  Even helped a few not even in mortgages.

Once a few Broker’s started seeing success in my network, I was asked to provide a #Done4U solution for paid advertising on Facebook, not just organic campaigns.  So in turn I networked with others that I knew where the “pro’s” at doing this.  Turns out, this is where it’s at.  My Blueprint has become a stepping stone to allow someone without an advertising budget to get into paid ads.  And really take off.  I mean double or triple their business with ease!  From my perspective the goal was to impact others and help them close more loans, little did I know it would feed my pipeline in a whole new way! The teams I work with have the best ad copy for home buyer leads hands down, and we can generate leads under 4 dollars a pop across the country!  The “economics geeks” I surrounded myself with are the super pro’s that optimize ads to keep performing month in and month out! Along with my “organic ad campaign” strategy taught in the Blueprint, BOOM – More click through and less cost per click where engaged!

Super excited to offer this magnificent opportunity to anyone looking to double their business in 2018! The power words are just an added value today! I wanted to tell all what I’ve been doing to build a six figure pipeline quickly in 2017, to help others and grow myself.  (I had to start over at the beginning of the year)  My point, is if there’s a will, there’s a way! And in my journey this year I created my own digital product to help others by accident actually!  lol.

To added value today, besides say thank you to those partners and relationships that have flourished in 2017 with me, I wanted to provide POWER WORDS to you LO’s out there!  Here’s a JUICY (Join Us In Creating Yes’s) list of words to use while custom tailoring a financing solution for your clients in 2018;

Replace Cost with the word Investment

Replace Price with the word Amount

Replace Down Payment with the words Initial Investment

Replace Monthly Payment with the words Monthly Amount (or Investment)

Replace Contract with the word Paperwork or Form or Agreement

Replace Buy with the word Own

Replace Sell or Sold with the words Get them Involved

Replace Deal with the word Opportunity or Transaction

Replace Sign here with the words Ok it, or Authorize or Endorse

 

Just some power words you can use while selling, and if needed use the power words in today’s Featured Image.  If you want a POWER MOVE yourself, I am accepting applications to start the new year off with helping more people to increase their business, fill in Below: #SellWell as you wrap up the year and begin 2018!  I’ll be back next week with videos and full blog in affect!!  #IcantWait

 

 

 

Mortgage Originators

Thursdays Thoughts – JUICY Style

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#ThursdayThoughts – Join Us In Creating Yes’s in the mortgage industry.  Get JUICY with us!  All this past year I promoted several companies and gave their marketing dept exclusive rights to advertise in my group on Facebook.  Sales Talk with Mortgage Pro’s! This next year, I want to add a few companies to complete the list.

What I need is a CRM sponsor! If you work for, or support a particular CRM, share your thoughts today with me.  I would ♥ to hear it! I have a goal to network with all the necessary tools a LO would need and offer them as solutions to 4000 mortgage pros’ in the group!

I have to take time and recognize the awesome partners I’ve connected with this past year.  If you need a website built, the best Lender Home Page you can get is with a partner I know Rocky Forountan.  Professional landing pages for your need of a website, weather big mortgage company or small brokerage shop.  If you need a virtual 1003 application software to help you take more 1003’s, I have just the thing for you.  Perfect LO is a great mortgage application that can help you prescreen and ask the right questions upfront for a complete application.  Feel free to reach out to Derek Malilia a great friend of mine now.  It’s amazing the relationships I’ve built this year.  To highlight one or two is just not enough, I feel like I have so many awesome partners already!

Thanks to my virtual business card sponsor on the JUICY list as well, Miss Dana Croft! If you are looking for a way to network with others and leave a mark, get a hold of the Card Tapp App.  This is a virtual business card you can track when prospects are “looking” at rates and strike while the iron is hot! Great sales tool! And last but certainly not least is my credit repair connection!  First let me say this, there are soooooo many credit repair “peeps” out there it’s not even funny.  I was looking for one that can handle volume, had a support staff and is really good at producing results! – Well I found the best in the country I think.  If you’re in mortgages and need to network with a professional credit repair company that delivers service above and beyond the call of duty, hit up 700 Credit Repair.  Billy Alt and his team are fantastic.

Yeah, I am looking for a CRM company to promote and give exclusive advertising rights in my group too, what other companies should I have in here?  Got ideas, let me know! Let’s network!  Happy Thursday! #ThursdaysThoughts

Mortgage guidelines, Mortgage Originators

Whacked Out Wednesday – Complete Completely

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#WhackedOutWednesday – Complete completely a 1003, a lender app, or anything that is a form to turn in.  Seriously, this is elementary things, but yet grow ups don’t know how to fill in a form!  Like seriously, if a form has a field to be filled in, put something in it! Even if it’s N/A – Something is better than skipping it.  And you may just find that you have an important question you needed to ask or answer.

More importantly, with a complete 1003, DU will not give you errors.  Well, I should say “as much”!  Some of the common errors in 1003’s today for #WhackedOutWednesday will hopefully help you learn to look at these sections to begin with.  Let’s list them;

  1. Type of loan, I know this seems basic but it’s true, sometimes people get in the habit of checking FHA, when it’s actually a conventional loan.  Make sure the boxes at the top of the 1003 in the beginning are correct.
  2. Name, Phone number and Email address;  Again you would think this is elementary but the most common is a 1003 with no email address.  Let’s recap this whole TRID thing, you can’t do a home loan without an email basically, or you wait longer to close.  So if a client doesn’t have an email and they are that old fashioned, open them a free gmail account.  It’s basically required and you will thank yourself later in the loan process (ie CD time)!
  3. Work and Address history – Remember on a 1003 the underwriter is looking for the last “two year” work history.  No matter what the program or how long you want to prove income income etc.  There needs to be a work history and an address history (rent or owned) for a two year period on the 1003.  Simple.
  4. DOWN PAYMENT TYPE – On purchases I highlight this, as a function of DU it reads risk based on weather the down payment is marked from Checking savings or as a GIFT!  If you have a gift and you don’t select that upfront, you could begin a loan and then later on find out your loan isn’t approved.  (*reiterating to fill in the 1003 correctly)
  5. REO section – It’s funny but many professional processors even hate this section and skip it.  If there is a mortgage on the credit report, that means you must tie that loan to an REO in the Real Estate Owned section.  Simple to do, but commonly missed.  OH, and if you have free and clear homes, make sure you assign the “taxes and insurance” on that property to the home so that DTI shows right.  So basically if they have a home fill out the REO section.  Wow what a concept.
  6. Declaration Questions – Including all HMDA /ECOA info.  So that last page, that asks if they are Indian or Asian yeah that one.  Mark it up, it’s needed for your bosses call reports anyhow.  (form they fill in and send in to tell the government whom they have been taking apps with) – Bottom line, make sure you attempt to have all boxes marked on this page.  It is imperative that the 1003 is accurate here as some of these boxes can trigger different approval levels.  And more conditions for sure.

No matter what, if you’re in Wholesale or Retail, the 1003 is like your bible to a loan.  It’s the holy grail that makes or breaks someone’s financing if not completely and accurately taken to begin with.  DIG DEEP – My advice, is anytime you see something not “normal” ask questions – LOTS OF THEM! Do NOT be affraid to ask your client WHY?  Why did you have a job gap? Why did you sell that home, where did the money go?  Can you source any and all large deposits in the last 60 days etc?  Below I souce the 6 top 1003 mistakes for #WhackedOutWednesday – It’s longer than normal however, take notes and implement is my suggestion! #SellWell

It is WHACKED OUT that sometimes mortgage pro’s half ask it on the NUMBER 1 thing that is part of their job.  Filling in the 1003.  Funny in a way, but trust me, the more accurate, the more questions you get asked, and the more detective work you attempt to do in this stage – The MORE LOANS YOU WILL CLOSE!  Meaning fund and get paid on.  So my advice SLOW DOWN, and master your craft.  It’s the one thing that can and will dictate your paycheck! #SellWell

 

Mortgage guidelines, Mortgage Originators

Two for Tuesday – & a new VIDEO Opener!

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I think you’re gonna like this!!  #TwoforTuesday – Fun edition – I got creative in the last week and got a new video opener!  I am sure it will help Pump you up, and get ready for the day! Join Us In Creating Excitement and get the JUICE’s flowing!  You’re in sales right?  – #JUICE

Two for Tuesday as I always have branded is two tips on guidelines or something mortgage related that you can take with you in the field.  Today’s topic – VOE’s and Pay Check Stubs!  Yep, both are needed to calculate the right income, and both work coherently together.  Supporting each other! #CheckItOut ↓

For those needing to gain more leads so they have more paycheck stubs to check and VOE’s to order – I got your back!  I’m doing a discount for those that want to take charge of their 2018 and learn to earn on Social Media!  If you have a fan page and it doesn’t get you leads every week, I can show you how to change that with my BLUEPRINT!  It’s not rocket science and definitely not hard.  In fact, it’s fun to have a social media presence and YOU can be known as the expert in your area!

Reach out to me, I’m here to help you take #SocialSelling to the next level in 2018! Sign up for the BLUEPRINT today!  – Disclaimer – You do have to actually do work! lol #SellWell

 

Mortgage Originators

Monday’s Motivation – Holiday Spirit

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#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! 🙂

 

Mortgage Originators

Weekend Call to Action – Follow-UP Friday

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#WeekendCalltoAction – And I believe we have a new hashtag this week going forward I will use, #FollowUPFriday! I do write these blog’s for myself, and they really just apply to anyone in sales.  It’s funny because I will do a video or give out a suggestion and then follow my own advice.  #LeadbyExample – Right?! – So the moral of this today’s posts is all about just this, Follow up and Follow Through.  Different but one in the same “action step”!  The DOing, that I talk about.

80% of prospects turn into converted sales after the 5th contact.  Somewhere between contact 5 and 12 is when they convert on average.  Here’s the thing, if you’re getting into online lead generation (which I teach with my BLUEPRINT) they you should be reaching out to engage with that person on social media.  Every 5 touches would be considered equivalent to 1 phone call (5 minutes or less).  What I mean by that is the nature of social media.  You see, on average as you engage, comment, like, IM etc with others on social media strategically (don’t always be selling, but always ABC) you are essentially building a relationship.  After (on average) 8 touches with someone online they begin to think they know you.  Might sound silly but it’s true.  Are you following up with your leads on social media with this intent.  And if every 5 interactions you make count as 1 call, how many calls do you need to convert.  5 like the statistic shows?  Law of Averages is different with everyone, but social selling is a game and if played right, the art of the follow up and follow through can reiterate the old saying: “There’s a fortune in follow up”!

Don’t forget to follow up as a HUMAN contact too! I think some rely on too much automation now, with email drip campaigns and autobots!  lol.  The real statistic is close to the first one, except, 79% of leads are NEVER followed up with!  ARE YOU KIDDING ME!  $ucce$$ is in the follow up for sure.  There is a fine line between being tenacious and annoying, or persistent and harassing.  Words cast spells, that’s why there’s so much importance on “Spelling”!  If you collectively gain interest through being genuine and show a social being, trust me others will reach out.  You can’t just have a fan page and not post.  You can’t just post on your social media wall every two weeks and expect everyone to see what you do!  Consistency is key.  And following up is the master lock.  Combine them together to open the door of success stories.

#FollowUpFriday The Blueprint will help. CLICK HERE!

#SellWell

Mortgage Originators

Thursday’s Thoughts – Create goals or Action plans?

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#ThursdaysThoughts – Have you thought about your goals for 2018 yet?  How about your management, have they asked you about this yet?  It’s all fine and dandy to write down you will do 100 Million or something like that as results, but the real secret sauce to obtaining those goals is writing an ACTION PLAN to hit them.  Yep, I wonder how some are going to “hit” these goals they speak of without a social media presence or plan of attack at least.

For the longest time in the wholesale world I’ve helped LO’s and Broker’s create campaigns to source business.  It was the “how” to help them get a loan in the door.  Now this year I opened this skill of mine to help others not in my network.  The social media BLUEPRINT I have has helped others “stay” in business.  Results are a aftermath of the action plan put to work.  Do you have an action plan yet?

If not, I’m available to help you create campaigns to drive business and build branding in 2018 for you planners out there!  One thing I’m certain of, the more people I help, the better results I have.  My action plan is to go wide fast, I want to help LO’s all across the nation, I want to provide added value for the community of LO’s that want action steps to help them achieve their goals.  It all starts with my BLUEPRINT I’ve put together to help others.  Whatever you do, do a “Power Move” to help you get on track!

Mortgage Originators

Whacked Out Wednesday – It’s the action plan, not the information!

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#WhackedOutWednesday – Instead of goals and dreams what if you just take “massive” action and see what happens!  Seriously, this is what people pay for all the time in the land of coaching, and information.  It’s shocking to see what people do, they are willing to pay for information but not take that information and put it into action!  So odd to me.

This is what seperates what I do from a lot of others.  I don’t just sell any digital product or information and send you on your way! I help you take action and walk you through the action steps to implement it.  If you are an action taker, my blueprint that I have will help you.  LO’s say they want exposure and leads, but they don’t take action enough.  Or they take the first step gaining the information but don’t actually implement those teachings.  It is WhackedOut!

Where I excel and always have is the LOA.  It’s a numbers game.  I’m looking for a numbers person, not a lazy LO.  I can explain what the blueprint consists of all day, but for those that buy and do nothing it turns into no success story.  I ♥ success stories, and what I’ve been doing for years now is helping Broker’s and LO’s actually source business online.  This year I finally opened this up to others that are not in my network.  And technically if you’re in sales of any kind you can take the information that I provide in #theBLURPRINT and apply it to your business and gain results.  Key word is apply.

You have to take action and be willing to get out of your comfort zone.  For those that have, the best is one LO that got 17 viable leads in one week.  Another tripled his exposure and likes in one weeks time on his fan page.  Just about every person that has implemented the blueprint and took action after gaining the information has seen some form of success.  The key is this helps you gain leads free by pushing and pulling your messages into social media land.  And that has to be consistent.  Without consistency it doesn’t work.

It’s funny cause I see and hear stories almost everyday about someone whom tried a Facebook ad, and are “waiting” for leads.  (Did it fail for you too?) There is two ways to have paid ads really work on Facebook.  **PRO TIP – Either have some econ geek optimizing your ad for you (costs $$) or learn to help your ads click through rate, and lower cost per click by having an organic presence around the ad.  There are a ton of ways to do this.  #TheBLUEPRINT is a stepping stone and gets you ready to take the next step of paid ads if that’s what you want to do.  I don’t teach that, I teach the organic side that you need to know PRIOR to running ads.  It makes all the difference in the performance of the ads.  Also, why not be gaining free leads because you incorporate a weekly organic ad campaign that doesn’t cost a dime?  Seems to make sense to me, but why people don’t take action I just don’t get.

It’s #WhackedOut for sure, but the name of the game is to take action.  And for those action takers out there, I can help you leverage social media and level up your game in 2018.  Click the link HERE for the #TheBLUEPRINT!  Get started today!

Mortgage Originators

Two for Tuesday – Get DPA list here!

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#TwoforTuesday – An announcement from Fannie & Freddie and a website to look up DPA’s in your local area! A great resource!  Quick hint on tips for LO’s to boost listings that are REO’s from HUD or FNMA as well! If you know more about that let me know.  Someone brought it up I was talking too and seems like a great idea for easy leads for an LO!

1st, is the announcement!  Fannie and Freddie are both suspending evictions for foreclosures during the Holiday’s.  (thanks Guys!) 🙂

2nd, a great resource was found doing some research the other day and wanted to help you LO’s be able to utilize this.  It’s a list of local DPA’s that you can look up in any state.  You can see if your borrower is eligible as well it looks like.  Definitely check that out!

If you are looking to increase your online social selling for 2018, I can provide the BLUEPRINT to help you gain more referral partners and FREE leads on Social Media! I even have a group now for those that have done the BLUEPRINT and provide posts and campaigns to help LO’s with ongoing weekly campaigns.  There are several others in here that are helping provide posts that you can #Copy #Paste #Post and #Profit from!  My goal is to help as many LO’s double their business as possible in 2018!

Want to join in on the fun? Get the BLUEPRINT here!

Mortgage Originators

Monday Motivation – Your WHY (s) & LOA

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#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!