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.”
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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
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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.
2.
3.
4.
Own main street
Own the relationship
Own the home ownership experience
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
• Consumer
• Lender
• Realtor
Investors
Cloud /Internet
Loan Data / LQI Support
BI Tools
Loan1
Loan2
Workflow
OCL Portal Platform
Event 200
•User
Auth
Loanx
•Pricing
•Loan
App
Event 100
Tranche
Event 500
Data/Product
Integrations
Loan Data
Data
Party /
Borrower
Account
Data
Doc
Vault
Authenitcation /
Fraud Detection
Credit Data
Title / Escrow
Pricing Engine
VOE / VOI
VOA
Valuations
Payoff
Doc Prep
Loan Quality
Services
RealEC
MSP
LOS
TransactionPoint
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.
2.
3.
4.
5.
6.
7.
Purchase
Harp Help
Written guarantee
Upfront savings & lowest cost
Fun, easy and 100% hassle-free
MSA…focus on listing not purchase
HBO…offer monthly “home buyer opportunity”
seminar
12 for 12
8. Call center mentality…12 calls per day
9. 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.
2.
3.
4.
5.
Good questions
Mindful of freedom point
Graphs and charts
Cost over time
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 Presence
EDGE Social Streaming
Quality Content
Coaching
EDGE Social Streaming
Bring your best SUCCESS STORIES to life
Instant Business Presence
EDGE 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