Monthly Archives: April 2019

Mortgage Originators

Weekend Call 2 Action -Follow Up Friday!

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#WeekendCall2Action – Follow UP Friday is only one part today! But the story is a lesson learned by a LO this week.  He used to “not” follow up as aggressively as didn’t want to be annoying (I guess).  He committed to going all in, and after gaining some contact information (with a bad number) he continued to follow up.  Well, low and behold somewhere after the 10th email, this lead responded and became a prospect! That prospect is now a client! #FollowUpMatters

Second main point this week is to #Travel!  I’m going to attend a quarterly event for a business partner this next week and am traveling myself to back to Cali! I ♥ California, and with traveling it seems I always get a “burst” of energy.  Anytime you travel your brain can do that to you.  lol.  My suggestion, is to use this to your advantage.  Travel get out of your comfort zone a few miles.. 99% of the time when you stick your neck out there and travel to do it, it has great results to your business.  When was the last time you traveled to visit a Real Estate office on the “other side of town?”

Third and final point today, Collaborate.  Get the #WhiteGloveServices going on.  Or the #RedCarpetDeals for your new clients and help add value to them even after closing.  You can do that by collaborating with a ton of different services for homeowners.  Handyman service, cleaning service, painters, lock and key smiths, Alarm company, Insurance company, movers, moving trucks (or offer one), lawn services, landscape company, a service to help transfer utilities!  There’s a ton of ways to do this, but collaboration can help gain you more referrals as well.  This puts a full big picture to your service as the clients #Lender4Life #MortgagePro and newest edition to their #FinanceTeam.  ↓

Do these things and think outside the box now.  Follow up on all leads, travel and expand your reach, and create ways to continue to add value to your clientele long after the sale is done.  #SellWell

#LetsDoBusiness CLICK HERE

Mortgage Originators

Thursdays Thoughts – Niches are the game!

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#ThursdaysThoughts – #Niches are the Game!  #GetOnPoint with #BluePointMtg I’ve been talking to a lot of people recently that have asked, what are your “niches” what do you do that’s different?  We are a true wholesale lender for #MortgageBrokers and our core business is #Niche loans.  FHA/VA/CONV we do and consists of 70% of our business! Remember VA and Conventional loans can go LP (Freddie) instead of Fannie (DU)!  Many seem to forget that.

Besides Home Possible, Home One, CALHFA (FHA), and manually underwritten loans we have many other options.  Including MI types, I talk in today’s video briefly on the types of delegated MI we have.  203H, is mentioned, and Reverse and Non-Agency loans! From a lender view we give our partners options to go borrower paid, or lender paid, to disclose on your own, or offer to disclose for you, and even change your comp monthly as needed.  #StayCompetitive

My thing is to help LO’s get paid! We all love loans, but like the payday the best I bet.  So if you’re in the same boat, and want a SPEED AND SERVICE NICHE LENDER in your arsenal!  Let’s chat Loans!  As I always say, I ♥ “I gotta guy” questions! 🙂

CLICK HERE TO SIGN UP

As Always –

#SellWell

Mortgage Originators

Whacked Out Wednesday – Important Parts of Loans!

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#WhackedOutWednesday – Important parts of loans are everywhere! However, there are certain things that can make or break loans.  And this is why I do whacked out Wednesday shows to help LO’s know what to avoid or to do mortgages right.  So check it out, the 1003 and the CD are the heart and soul of a mortgage loan.  The two biggest mistakes on the 1003 I go over, and the balance of a file prior to the final CD is talked about.  ↓

With so many moving parts in loans I’m certain that you have made mistakes in your career just as I have.  The two best practices I share today are; 1, garbage in, garbage out.  If you input numbers without breaking them down, you will have issues with cash to close, to balancing of the file, to getting “fake” DU findings.  Meaning they are not right.  Number 2, is the CD.  This should happen with #Wholesale, but it doesn’t.  Most retail banks often require a LO to review a CD and sign off on it prior to even sending to a client.  It’s a best practice, and should be done with Brokers.  Seriously.  If you don’t balance your file prior to closing, you will get to escrow and find out sellers concessions are left on the table, or something is different in your structure than you promised the client or expected.  Balancing a file should happen upfront, but often times is isn’t.  And then left for the processors to view, and they don’t know what YOU sold the client.  It is WHACKED OUT that the details of the transaction are not married with LO approval until the end.  Don’t be that guy/gal!

As I always do, I offer my clients help with structuring the loans fees, structure, guidelines etc.  My role is to be your caddie on the side as your the golfer in the transaction moving the ball along to the hole.  (closing) Let’s do business and make it happen together! CLICK HERE to sign up!

As Always –

#SellWell

Mortgage guidelines, Mortgage Originators

Two for Tuesday – Guideline Day!

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#TwoforTuesday – It’s Guideline Day on our regularly scheduled program!  Two guides today I share from recent scenarios and asks from #MortgageBrokers.  One from Conventional and one from FHA.  I ♥ “I gotta guy” questions and scenarios or guidelines that need to be clarified or answered.  Reach out with your next scenario, as I’d like to help.  My goal is to help you get paid!  Email Me

Short and sweet, right at 3 minutes to help! #GetOnPoint today with #BluePointMtg.  We’re growing and helping more and more loans close daily, #LetsDoBusiness!

Price BluePoint Mtg out on your next deal! #SellWell —> QUICK PRICER

As Always –

#SellWell

Mortgage Originators

Mondays Motivation – Deals are in the details! #LunchNLearn

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#MondaysMotivation – The Deals are in the details!  Pay attention to the details on the 1003, on the credit report, what DU says etc.  There are a TON of details that make or break deals all the time.  Just understand Deals are in the details and go about your week to make the details count!  #MyAdvice

Today I go over some #Details that could help you make deals.  1st and 2nd are announcements from HUD, 3rd is a reminder on identity of interest transactions.  Watch the details, make loans work because of it.  Hint I saw one detail that listed the prior addresses on a credit report that indicate they “lived” at a subject property prior to purchase contract.  #IdentityofInterest is questioned as a result.  Deals are in the details, make sure you look at them.  #SellWell

As always I’m here to help with “I gotta guy questions” and scenarios upfront.  The more prescreen I do for my broker’s the more they close.  Use me to help you get your loans done, that’s what I’m here for!  #LetsDoBusiness

As Always –

#SellWell

Mortgage Originators

Thursdays Thoughts – What to do? #LeadWeek

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#ThursdaysThoughts – What to do?  There’s so many guru’s online it’s not even funny now-a-days.  I don’t claim to be one.  I just learn and soak up a lot from those around me and constantly are taking action so I get to see what happens.  Plus my passion is to help my #MortgageBroker partners grow their business.  When I call and ask for a loan submission if someone doesn’t have one, then I offer to talk about ways to source business.  Online or off.  Organic or paid.  I practice what I preach, and network with the best at it.  So here’s your options (Literally) ↓

Want to make funnels yourself with no tech background? Here’s the link to Phonesites, the best way to make instant landing pages! You can even make email follow up inside of this software.  You still need to learn how to boost ads and target people, but you can start organically even with this.  CLICK HERE

Want to learn how to do online ads all geared towards mortgage and real estate!  Join the Legion of Loan Officers! Nick Carpenter runs that, and does a great job helping LO’s learn how to run ads, and many types.  Highly recommended for those that want to learn and embrace online themselves but don’t know how.  Tell them the JUICEman sent you and get Nick to help you directly.  CLICK HERE

Want to skip the learning curve and just turn on the leads and learn as you go? – Then get Robots LLC to do the heavy lifting and start absorbing some of the 1000’s of videos Larry Le has.  Larry is genius in how he does his trainings, and has ton’s of ongoing training series to help you, so get leads going and then learn how to do it as your gaining leads.  CLICK HERE

Want to skip the learning curve and not learn anything yourself, but to just SELL like crazy to a mass amount of leads?  A done for you solution is available!

Most done 4 you solutions have something that looks like this:

1.      Fully Branded Lead Generation Website

2.      Fully Automated Follow-Up System

3.      Pre-Written Nurture Campaigns (Text, Email, VoiceMail)

4.      Full Back-end Campaign Set-up / Community Page & Group

5.      Multiple Ad Copy Variations

6.      Survey Form Set-Up/Installed To Collect The Mini 1003’$ (Leads),

7.      Million Dollar Pixel Installation To Increase, Track And Measure Conversions

8.      Complete FB ad

 

Depending on whom you talk too, these lead generation systems can go from 1000-5000 dollars and then you have to pay for “Ad spend”.   The majority of the done for you, or coaching systems have a monthly cost associated with them.  You either are paying for someone to guide you and teach you so you learn yourself, or you are paying for someone else to monitor the ad monthly.  Often called a monthly retainer, subscription or maintenance fee.

My advice get started doing something if you want leads.  If you have questions on who’s a viable coach out there or whom’s program is the best, reach out, I can help you know who’s training to do or which route to go based on your want to learn more.  Some LO’s just don’t want to embrace the online stuff, but want the leads it can give.  Some don’t want to pay someone else for work they can do, and they want to learn themselves.  Everyone is different.

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This week I have a special.  If you’re brand new to the online game and want to “start” with some done 4 you solution to gain leads, reach out to me.  PM me, we can chat.  While most of the guru’s out there want 1000’s to set it all up, you can gain the complete set up for under that this week.  My goal is to help LO’s have leads to turn into loans to send in to BluePoint Mtg so we can help you get paid.  It’s simple really, I’m here to help you close the leads you write loans for!  🙂 CLICK HERE

#LetsDoBusiness

As Always –

#SellWell

 

Mortgage Originators

Whacked Out Wednesday – 10 Days of Pain!

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#WhackedOutWednesday – The “Gold” is in the follow up!  #LeadWeek – We’ve been going over what you need to know, and be doing to help you gain more leads online and off this week.  Today I go over the perfect anatomy of a well rounded campaign to generate leads. From start to finish.  I’m also “giving away” the 10 days of pain email campaign, that’s proven to work and convert.  All I suggest is you add your virtual application to the emails and work the leads.

#TodaysTool – Is the best platform to use to create the advertisements, and embed your 10 days of pain follow up emails to all leads.  All in one.  It’s #Phonesites!  I even made an investment campaign ad just yesterday for one of my broker’s.  My suggestion, use this software to make small and larger campaigns on an ongoing basis.  You can use it to boost listings, to open houses, to any event you do, or just direct mortgage ads or a first time home buyer funnel.  This is it — CLICK HERE!

When it comes down to it.  There’s people that get it, people that don’t want to do the work and would rather have someone else do all the marketing, and people that want to learn to do it themselves.  I am offering “major discounts” on a complete done-4-you system this week.  I’ll highlight that tomorrow.  hint hint.  But if you’re looking to do ads and gain leads, don’t let costs of setting it all up stop you.  Hit me up here – Email me  No joke, it’s Whacked out Wednesday, people either do the ads on their page (and waste money) or don’t have a converting follow up system to help them.  (I’m giving that 10 days of pain email follow up free – again email me)

I want more #MortgageBrokers seeing success with leads that we can generate business from together.  Remember I provide wholesale lender options for loans.  #GetOnPoint with #BluePointMtg! Of course – Click here to sign up!

As Always –

#SellWell

Mortgage Originators

Two for Tuesday -Push or Pull, Organic and Paid, Online and Off!

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#TwoforTuesday – Push or Pull, Organic and Paid, Online and Off! It’s #LeadWeek – And we go over several things in today’s post about what you need to be doing.  Online and offline, you need to be “showing up” on a personal level and for business.  That means on your personal profile, and your business page.  That means you need to meet realtors and attend closings.  Just get involved and do it! If you have a social media profile and you don’t even post what you do you’re missing the boat. 🙂

Online and off, you need to push and pull your messages.  Maybe you promote another person’s community event and show up and help.  Maybe you share a listing a RE Agent has you network with.  Maybe you post up a flyer at an apartment complex, maybe you give Facebook some money and boost a post or run an ad.  Bottom line is you need to be well balanced and not just do one or the other.  Organic and paid actions work well together, and formulate a “branding strategy” that helps your money go further.  The more you post on a community page or business page, the higher you can get the “relevancy” score, which in turn can help you gain more reach with paid ads.

Online and off, audiences are everywhere.  You have to learn to take advantage of appealing to them, and learn the subtle art of selling.  My advice is follow your #Passions.  Whatever that may be.  Groups online are everywhere, are you in them?  Are you giving them value and providing solutions?  A great way to gain eye balls is to PUSH your message into groups that are relevant to the subject you are posting about.  You can tie owning a home into almost everything someway shape or form.  You can also PULL your message or others by tagging people or checking in at places.  Eye’s are everywhere, its just how you produce your message that can gain an interest to the right person at the right time.

So today, here’s a tool that helps you be able to utilize both organic PUSH and PULL and paid action to gain a ton of eyeballs on any Realtors listing(s).  Many of the tools out there can be used both organically and paid, just many don’t realize how to make their message “go viral”.  It’s simple really, you need to push and pull.  There’s only two things that happen to messages.  Take advantage of these principals and grow your pipeline.

GET THE BEST TOOL TO ADD VALUE TO YOUR REAL ESTATE AGENTS HERE ↓

LISTING BOOSTER – A tool far under utilized

Want more leads? – Keep watching this week we continue to go over the anatomy of marketing and building campaigns.

As Always – If you gain leads and have questions about loans, guidelines, structure etc, let’s chat.  #GetOnPoint with #BluePointMtg – CLICK HERE– I’ll personally help you close a loan and get paid! 

#SellWell

Mortgage Originators

Monday’s Motivation – #LeadWeek!

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#MondaysMotivation – It’s #LeadWeek!  And this week we go over all types of things that can help a LO actually BUILD their business.  We’ll go over strategy, we’ll mention tools, and we’ll be here to help you close your loans! 🙂   Look you can’t grow without people to call, and people to market too, so the harsh reality is some of you are just not good at leads.  You might be able to “sell”, but you lack the numbers to gain because you don’t have enough people interested.  So what do you need to do?

Build a list! List building is the backbone of marketing, advertising and growing your business.  The more active you are in building a list of prospects the more likely you will turn a prospect into a client once you get the chance to sell them right! 🙂

Leads, leads and more leads.  This week, I am going to give away things that can help someone grow their business, and I am going to provide solutions and solve common problems most LO’s have.  Today I start with the obvious, a training by me personally that can help you learn to grow your lists, online and off.  I call it THE BLUEPRINT!

And I’ve been helping people with this for over 4 years now, and it works.  Its’ actually amazing to see when people start this, and grow over time.  When done correctly it’s a branding strategy that can help you gain a market presence.  You can start with having the basic necessities to market to and build a list.  I suggest some email campaigning software like (Mail Chimp connects to your FB page – FYI or Constant Contact) and I suggest something to make a FREE landing page. (Wufoo).

As Always –

#SellWell

Mortgage Originators

Weekend CALL 2 Action – Lead Week is coming!

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#WeekendCALL2Action – Lead week is coming next week!  You bet, I’m going to go over everything about lead generation you need to know all next week.  The CALL to Action is simple, make the calls now.  Or make the lists fresh for yourself to call next week.  You should have some sort of automation doing lead nurturing for yourself. But say you don’t next week I’m giving stuff away.  From a funnel system, to a proven script for follow up that converts.

What’s the BIG DEAL?  Why now?  Simple really, you’re about 60-90 days out from peak season of purchases and you need to start now if you want to see the best results this summer.  WHY? – Because people want to buy a house, they don’t want a mortgage!  And 90% of the leads are TRASH right out of the gate.  You have to nurture them, help them fix credit, show them the light at the end of the tunnel.  Sure you’ll find some gold nuggets in gaining leads online monthly, but the true ROI is when you’re into it 2-4 months down the line.  Many people just “give up” too soon.

Why do LO’s fail at lead generation online?  There’s a handful of reasons, but I’ll start with itemizing what NOT to do.  Number 1, you have a business page/fan page and have no relevancy score worthwhile to run ads on that page.  STOP doing that.  Create a community page and get instant relevancy higher than your 7 year old business page.  Number 2, if you don’t have some CRM, or follow up sequence built in to help nurture leads to life you’ve completely missed the boat on what “this” is all about.  I think every sales person will agree, the gold is in the follow up.  (we’ve all heard this before)  Number 3, treat the leads as leads.  They are not clients yet and the best campaigns are not for LO’s, they are for Real Estate Agents.  So as you run a 1st time home buyer ad, or advertise a property, the biggest thing NOT to do is put all your eggs in one basket.  What I mean here is don’t rely on crummy credit, no down payment having first time home buyers to build you a payday in the first 90 days.  These are “agent leads” and designed to help you expand your referral network.

I’ll go over more of what to do and NOT to do in lead generation ALL next week.  But the point is you should have a well rounded way of generating business.  You should have referrals from agents, you should have direct mortgage leads, and indirect leads you nurture as I mentioned.  You should have referrals from multiple sources that are not just RE Agents to be the most well rounded.  But Lead Gen is found around everywhere, both ONLINE and OFFLINE.  And in reality the whole kitten caboodle is called “Branding”.   We’ll go over what that looks like next week as well.

In the mean time, if you don’t have deals to submit #GetOnPoint, the best advice is to take the time to read this link about lead generation. –> LEAD GENERATION 101

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If you are serious about getting started with something get on the blog #Vlog next week, I’ll highlight programs, people, systems, and do’s & don’ts of lead gen all week.

#SellWell