Thank you!
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Transcript of Thank you!
Thank you!
1. I believe in breakthroughs
2. Sales is more science than art
1.Good is the biggest enemy of GREAT
“10X companies performed 32 times better than the general stock
market.”
• Mortgage folks have short memories• What have we forgotten?• Mortgage biz is brutally cyclical…but always recovers..• Some challenges are short-term and survivable..• There are longer term forces when pulling together will
change the way we do things…
Bottom Line.Darwin is right, “eat or be eaten!”
Eat or be Eaten? Mortgage=Bacteria
•Housing at the Tipping Point… •Significant Opportunity for Originators•Four models to consider•What should I do to prepare for ‘12!•WWBD…Bill Dallas Top Twelve for Twelve
1. Own main street2. Own the relationship3. Own the home ownership experience4. Provide unique tools and products to power
and simplify the experience
“It’s not the strongest or most intelligent that survive…but the one who is most responsive to change.” Charles Darwin
DELIVER SIMPLE MORTGAGE SOLUTION THAT EXCEEDS OUR CLIENT’S EXPECTATIONS
Imperative 1 | Must deliver a unique online experience
New iPOS that delivers the next generation of lending…
•100% consumer self-service functionality that pays consumer for each online step
•Loan Officer tool that increases productivity, service levels and customer collaboration (think Flo and Progressive!)•Fixes our current “baggage claim” process
Cloud /InternetCloud /Internet
Loan DataLoan Data Account Data
Account Data
Party / Borrower
Party / Borrower
DocVaultDoc
Vault
Authenitcation /Fraud DetectionAuthenitcation /Fraud Detection
Pricing EnginePricing Engine
Credit DataCredit Data
VOE / VOIVOA
VOE / VOIVOA
PayoffPayoff Loan Quality Services
Loan Quality Services
Title / EscrowTitle / Escrow
ValuationsValuations
Doc PrepDoc Prep
OCL Portal Platform
Data
Investors • Consumer• Lender• Realtor
Workflow
LOSLOS
TransactionPointTransactionPoint
RealECRealEC
MSPMSP
To Get Started, Consumer or LO provide some simple data points to allow system to select the best loan product.
Based on information provided by the consumer or LO the system identifies a variety of products that meet their needs
Credit for doing stuff!
The consumer or LO can easily view the cost / credits associated with any product.
Consumer earns credit helping out. It’s easy, transparent, saves the consumer money…me and my loan.
Consumer can view all programs and see “live” pricing…can you say Google Mortgage!
Imperative 2 | Must deliver a unique and value loan officer and borrower
experience
Don’s Borrower Experience See how easy & fast you can create a
great borrower presentation See a online EDGE borrower presentation See how you use VIDEO to deliver unique
value See loan officers can monetize Social
12 for 12 1.Purchase2.Harp Help3.Written guarantee4.Upfront savings & lowest cost5.Fun, easy and 100% hassle-free6.MSA…focus on listing not purchase7.HBO…offer monthly “home buyer opportunity” seminar
12 for 128.Call center mentality…12 calls per day9.Deliver a unique online borrower experience 10.Execute a unique and valuable experience between loan officer and borrower 11.Master CRM as a company and make it easy for loan officers 12.Make compliance your friend
Why now is the best time to be a serious mortgage professional – Markets are stabilizing– Many markets experiencing real HPA– Affordable…historic low rates and prices– Best time to buy…ever!
The Mortgage Experience
REINVENTED
The Ultimate Borrower Experience
5 keys to the ultimate experience 1. Good questions 2. Mindful of freedom point 3. Graphs and charts 4. Cost over time 5. Rich media experience
3 biggest mistakes most loan officers make
1. Lack of consistent process & system 2. Only highlights rate, payment and
closing cost 3. It’s not easy or valuable to share
We Are The Social Network
“There are more Internet connected devices than there are American's”
94% of home owners start their search online
150 million in US
44 million in US
119 million in US
the average professional service creates just $175
Average Mortgage Professional comp per transaction is $2,000+
“Despite all this opportunity 90% of mortgage professionals aren’t
monetizing social”
In just 9 weeks 50,000+ Mortgage Coach Edge presentation have been viewed…thousands of clicks coming
from Facebook & Twitter
Introducing…
Designed to make monetizing your social presence and activity easy
With a special formula of tools, content and coaching
Instant Business PresenceEDGE Social Streaming
Quality Content Coaching
EDGE Social Streaming
Bring your best SUCCESS STORIES to life
Instant Business PresenceEDGE Social Streaming
Quality Content Coaching
Good vs. Great
vs. ?
Average
Good
Great
Take a good look at Social Pro today…
Take a good look at Social Pro today…just by reviewing Social Pro you will learn
something that will make your social presence and activity better
800-485-7251
800-485-7251
Good vs. Great
vs. ?800-485-7251
Average
800-485-7251
Good
800-485-7251
Great
800-485-7251
Take a good look at Social Pro today…just by reviewing Social Pro you will learn
something that will make your social presence and activity better
800-485-7251