Monthly Archives: May 2018

Mortgage Originators

Thursdays Thoughts – Get your ONLINE GAME RIGHT!

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#ThursdaysThoughts – Get your ONLINE GAME RIGHT!! – Seriously if you have an online profile but it contains no contact info and no indication of what you do – AND your a loan officer – You’re doing it all wrong!! Look I get it, Facebook and other social media might have been once for your friends and family! But you’re in sales now, and nobody is giving you leads – You rely on referrals!? (I ask a question on that – How do you expect to do that if nobody knows what you do?)  Second major point is, if you’re a LO and NOT using social media you’re missing out! BIG TIME! For those that are, already have a JULY type pipeline going on right now!

My frustration is that I have more mortgage pro’s out of my immediate network that I’m helping KILL IT, than those that I have as a wholesale client.  I’ve helped fairway guys to movement peeps to even quickenloans LO’s that want to get more biz.  There’s no doubt there’s a shortage of ACTION TAKERS when it comes to mortgage broker marketing pro’s.  Some get a small piece of the pie, and are comfortable closing 2-5 deals a month.  If I was a broker, I would be generating leads all day every day to get my own pipeline at retail producing numbers.  Seems the retail guys get paid less, so they hustle more.  #GoodforYou – But I’m an advocate for Broker’s cause they have the best pricing and can do so much more in options than a retail MLO (they only have so many options)!   Look I get it, and I’m here to help those that want to expand their online presence.

There’s no doubt, there are advantages to using social to build a branding approach to things.  It develops culture, and helps your Mortgage company stand out as a great place to work.  HMMMMMM… Did you know not only am I helping LO’s actually run ads and campaigns that generate them leads (of all types) but they can grow their recruiting and hiring of LO’s online as well.  One guy in Cali I have has gotten over 12 resumes through messenger in the last 2 weeks.  Online marketing is needed for everything if your a LO or Broker owner.  It doesn’t matter what your goals are to produce, if you want to stay in business you better be online.  Someway shape or form.  #SellWell –  Oh and for those of you that want to take advantage of something and at least chat about options to help you grow your online marketing strategies, #clickbelow↓

Mortgage guidelines, Mortgage Originators

Whacked Out Wednesday – Most Under Utilized program & Strong suit!

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#WhackedOutWednesday – The most under utilized program out there = The USDA Loan!!  It’s also a strong suit for what we do! Super excited to help others know this loan, I think this would be my go to loan, not necessarily FHA.  I think LO’s just naturally go to this program with those with a lower FICO or think this is the better 1st time home buyer program.  While there are some guideline differences, zero down is better than 3.5% down all day.

This is a strong suit for what we offer, and we go down to 580 FICO on USDA! Allow manually underwritten programs and have little to no overlays.  The map has been expanded and the income allowed updated, my advice, check this out on your next loan! #SellWell

Here is for the map for loan limits;  https://www.rd.usda.gov/files/RD-SFHAreaLoanLimitMap.pdf 

Here is for the link to find the eligibility; https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

I am expanding with whom I am doing business with and seeking those that want to grow their business in 2018!  I am helping broker’s left and right set up social media campaigns to help source new business! I am an AE, that helps YOU grow YOUR business and ask for a small piece of the pie to help! #LetsDoBusiness

Mortgage guidelines, Mortgage Originators

Two for Tuesday – Two guides, a missing condition, and a product highlight!

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#TwoforTuesday – Two guides, a missing condition and a product highlight!!  A bunch going on, today I talk about the difference between grossing up income with Conventional and FHA! Also, the most missed condition in loans EVER!  And a product highlight!!

In my opinion, probably the strongest product my underwriting team has, however numbers show FHA is the most underwritten product.  I just get great reviews of pricing, of underwriting and we all great things on VA!!! Yep, #VAloans is a product highlight today! And very much a strong suit at #TeamNDM!! We allow FICO’s as low as 580 and do manual underwriting with DTI as high as 50% with no comp factors.  *Residual must be 150%!  We allow both LP and DU on this product and we have a great team dedicated to help these files fly through the pipeline.  1 day turn times and a great product to produce for your Vets in your neighborhood.  If you send in a check to be sponsored by any #WholesaleLender we should be one of them!

Are you READY YET?  Ready to blow up your reach, your lead count, and double the business you do?  Well this is what I try to do with each account that signs up with me.  I am the difference maker, and a great AE to partner with.  #LetsDoBusiness Fill in below ↓

VAloans1

 

Mortgage Originators

Mondays Motivation – Strong Suits for Business!

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#MondaysMotivation – Strong suits for business to start the week! – One of my strongest products I help mortgage broker’s close is FHA!  I ♥ FHA loans! We specialize in 203B, 203H and 203K loans! This week I will highlight some strike zones and niches we specialize in to help our Broker partners.

While I like guidelines, they are always changing.  So feel free to chime in this week with any guideline questions to help you get a loan in the door.  I will be doing more in the next month to help my signed up clients get access to the tools I have to help you double your business.  If you’re a broker, let’s connect and #LetsDoBusiness!

Mortgage Originators

Thursdays Thoughts – GOT GRIT?

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#ThursdaysThoughts – Got GRIT?  – What is GRIT to you?  Do you have it?  Today I go over what makes up GRIT and the personality types that go along with it! Do you exemplify GRIT in this way?  I am on a mission and have a need to achieve more than ever before, my competitiveness is healthy (and I want to build others up, not step on people to get there) and my optimism is beaming out my ears!

I have goals, BIG ONE’s and the best thing I do for me is remind myself of them daily.  Do you have a dream space?  A picture of a car or bike or vacation you want to take that fuels you?  I encourage you to pick up one and put it in your cubicle.  Do you have an internal competitiveness that keeps you modest, but has you taking notes every time someone better than you speaks?  Do you chant that old folk tale in your head, “I think I can, I think I can”…. That’s the kind of optimistic GRIT mindset that you need to manifest your own destiny.  I encourage you to pick up the phone with the best GRIT you have today, don’t take NO as an answer, see it before it happens, add value and express your passion to help whomever your speaking too.  It just may land you the sale! #SellWell #EnvisiontheYes

SellWell – And display your best GRIT today!  I’m in the office helping Broker’s expand their pipelines all day! PM me, Text me, Email me, Call me – Whatever you do, reach out – #LetsDoBusiness

Mortgage Originators

Whacked Out Wednesday – Handling Objections! – I mean bad hair day!

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#WhackedOutWednesday – Handling objections and what the market throws at you! I mean a bad hair day – It’s whacked Out! lol I have to have fun with this and keep you entertained right! Today, I talk about what I am seeing across the board, more shoppers and more LO’s losing deals because they are not handling objections!

It’s whacked out, a client starts the process with you and then goes with someone else?  What?  That happens when I believe you haven’t added enough value, educated the client, or really answered their questions.  Today, I talk about handling objections and go over why clients object and then give some #SalesJUICE for you LO’s to use.  I hope it helps and you land the deal! #SellWell

While you’re at it, why not step up your social selling game with #TheBLUEPRINT?  I teach LO’s how to create branding they can lean on and direct clients too to help make yourself seem like the obvious choice.  Having branding work to help you build a culture, an online presence and expand your referral network at the same time.  Click below and let’s get started today!

Mortgage guidelines, Mortgage Originators

Two for Tuesday – Large Deposit guides – USDA / VA Loans

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#TwoforTuesday – LARGE Deposit guidelines for USDA and VA loans.  Bottom line make sure you “LOOK” at the bank statements you get from clients BEFORE you turn them in.  Make sure you know the various large deposit guidelines to prescreen the statements prior to turning them in.

Short and sweet, with a need a need for leads? – I can show you how, click below video!

If you are still struggling to get going online, and don’t know where to start – I have #TheBLUEPRINT to help you get started making campaigns online.  The struggle I see is most just don’t know what to do, or what to post! I created a guide of 5 types of posts I call the 5 P’s of Posts that help you gain reach, relevancy and results online.  Might as well start somewhere! – Reach out to me, or fill in below and let’s get you dominating your local market place! #SellWell

Mortgage Originators

Mondays Motivation – Increase Reach, Relevancy and Results – The BLUEPRINT

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#MondaysMotivation – Increase your reach, relevancy and results with #TheBLUEPRINT! – I help anyone that wants to learn #SocialSelling to increase their market presence and Branding online.  Through my training #TheBLUEPRINT I’ve been able to help others increase their referral network and organically gain results online.

Infact, this leads to become a stepping stone to gaining the relevancy score needed to run ads and see above average results.  Knowing that you should be doing something online is one thing, taking action is another.  My goal is to lower the barriers of entry for as many as possible, and it starts with my BLUEPRINT!

Don’t wait for someone else to dominate your market place, take advantage now.  The momentum you build in the next 60 days will make the best purchase season you’ve ever had come to life.  #SellWell – Fill in below ↓

 

Mortgage Originators

Weekend Call to Action – Call Reports are Gold!

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#WeekendCalltoAction – Are you HOT or “warming” up yet?  – If not give this a try! Most people have no problem making a warm call to someone they have spoken too in the past.  Pull your turn downs, or call reports from the last 24 months and find out if that “one client” did anything! If you’re not online doing Lead generation yet, I have a bulk order of RE funnels I am making today, reach out to me! More than likely those who do will have the best summer they’ve ever had! #SellWell

Get leads, grow your company, gain guidance on loans, help with scenarios, and answers to guidelines all while pushing your current pipeline to the table, with me! #LetsDoBusiness – As a wholesale REP, I want to be more than the guy that asks what’s on the corner of your desk! – Let’s connect, and create a game plan together!

As always – #SellWell

Mortgage Originators

Thursdays Thoughts – SAAS – Use Software as a Solution!

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#ThursdaysThoughts – SAAS – Use Software as a Solution to gain a competitive edge.  In today’s day and age of mortgage origination it’s all about “client experience”.  From the end user, to the Broker’s easy of use with the system (and Lender) they use to get deals done.  Software as a Solution allows you to level the playing field with other tech giants like Quicken Loans.

There are a ton of solutions out there, some I endorse and have on my JUICY list.  (Join Us In Creating Yes’s) – I’m all about helping the Broker and LO community grow their business, that’s why I do what I do.  If you haven’t seen it feel free to join Sales Talk with Mortgage Pro’s on Facebook.  A group I’ve grown for over 4 years now.  There’s about 4500 people in there and a ton of companies that promote their SAAS for you to use.  From gaining trigger leads on your own past clients, to having a virtual app, CRM or marketing solution to gain leads.  These are all inside my group or on the banners on the side of the BLOG! Click one today, and get started using a SAAS!

Today, I am rounding up a BULK ORDER of Facebook advertising FUNNEL ORDERS that will generate Buyer/Seller leads galore for some LO’s.  If you don’t use SAAS to advertise your missing the boat.  Facebook is the best segmenting for ads hands down.  And I networked with pro’s that run a done for you solution to help you gain 100’s of leads monthly.  With the bulk order, I have put together a way to eliminate the high cost to start (Barrier to entry for many) – And this deal is this week only.  If you ever wanted to run FB ads to generate leads, NOW’s the time to start.  And a three to six month campaign will transform your business this summer.  #LetsDoBusiness

If interested to know more, fill in below, I’ll call you next.  (this special ends Friday)

As always – #SellWell