Mortgage Originations Version 14
Tips and Tricks for a Successful Year
Company Confidential
©2012 Genworth Financial, Inc. All rights reserved.
Your Shop
It’s All About YOU
Where Are You?
Denial
It's like "the
Sopranos." It's
over. Find a
new show.
~Kemo
Estimates for 2014 and
2015 are the average
to Fannie and MBA.
Actuals are IMF.
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Market Value
Trends
Federal Housing Finance Agency - Housing Price Index
http://www.fhfa.gov
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www.freddiemac.com/pmms/pmms30.htm
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Great Time To Sell?
Own $200,000
Waiting to Get Appreciation
Assume 3% for the Year = $6,000
Where Are You Going?
$400,000 House Today
$412,000 Next Year = Down $6,000
$400,000 at 4.5% = $2,026
$412,000 at 5.5% = $2,339
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Where Are You?
Resistance
Resistance is Futile.
~Locutus (Capt. Picard has been assimilated by the Borg)
CFPB
www.consumerfinance.gov
facebook.com/thatMIguy
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Where Are You?
Loan Officer
Interior
Designer
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Realtor
Attorney
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Tax Advisor &
Financial Planner
Friend
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Handyman
Chauffeur
Appraiser
Witch / Warlock
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Baby Sitter
Magician
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Therapist
Santa
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Marriage
Counselor
Siri
We looked!
Then we saw him step in on the mat!
We looked!
And we saw him!
The Cat in the Hat!
And he said to us,
"Why do you sit there like that?"
"I know it is wet
And the sun is not sunny.
But we can have
Lots of good fun that is funny!"
"I know some good games we could play,"
Said the cat.
"I know some new tricks,"
Said the Cat in the Hat.
"A lot of good tricks.
I will show them to you.
Your mother
Will not mind at all if I do."
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We looked!
Then we saw him step in on the mat!
We looked!
And we saw him!
The Cat in the Hat!
And he said to us,
"Why do you sit there like that?"
"I know it is wet
And the sun is not sunny.
But we can have
Lots of good fun that is funny!"
"I know some good games we could play,"
Said the cat.
"I know some new tricks,"
Said the Cat in the Hat.
"A lot of good tricks.
I will show them to you.
Your mother
Will not mind at all if I do."
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How To Wear All Those Hats and Make It
Look Good
Look Inside the Hat
Look Under the Hat
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Knowledge Is Power - Websites
Home Values –
www.fhfa.gov
Unemployment –
www.bls.gov/lau
Rates -
www.freddiemac.com/pmms/pmms30.htm
Data & Demographics –
www.city-data.com
www.mybestsegments.com
Research and Insight –
www.realtor.org/research-and-statistics/housing-statistics
www.census.gov/censusexplorer/censusexplorer.html
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Knowledge Is Power - Websites
Home Values –
www.fhfa.gov
Unemployment –
www.bls.gov/lau
Rates -
www.freddiemac.com/pmms/pmms30.htm
Data & Demographics –
www.city-data.com
www.mybestsegments.com
Research and Insight –
www.realtor.org/research-and-statistics/housing-statistics
www.census.gov/censusexplorer/censusexplorer.html
Credit Reports –
www.annualcreditreport.com
Newsletter –
www.RobChrisman.com Sign Up at Bottom
Social Media Insight -
www.inman.com/inmannext/ (Like on Facebook)
mashable.com/social-media/
Sites You Need to Know –
www.zillow.com
www.Trulia.com
Marketing and Advertising www.smartermi.com
www.clickz.com/
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This is a Pay Site and I Have Not Used It
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Knowledge Is Power – Websites and Apps
1st Step to Buy a Home
56% Look Online
17% Contact Realtor
92% Searched Internet for Homes
Mobile search
47% iphone
40% ipad
24% android
4% windows based device
QR code 5%
2013 NAR Profile of
Homebuyers
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Utilize Responsive Web Design
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Knowledge Is Power - Apps
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Knowledge Is Power - Apps
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Knowledge Is Power - Apps
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Knowledge Is Power - Apps
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Knowledge Is Power – Apps (Not Free)
HYPERText makes
group texting, personal.
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Knowledge Is Power - Apps
www.smartermi.com
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Knowledge Is Power - Apps
Riveting talks by remarkable people, free to the world.
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If You Like It, Post It
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Knowledge Is Power - Apps
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Knowledge Is Power - Apps
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Knowledge Is Power – Mortgage Insurance
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Knowledge Is Power – Mortgage Insurance
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Pulling Efficiency From Your Hat*
Don’t Scroll…
Space Bar
* From David Pogue’s Ted Talk
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Pulling Efficiency From Your Hat*
* From David Pogue’s Ted Talk
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Cntrl +
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Pulling Efficiency From Your Hat*
Redial
* From David Pogue’s Ted Talk
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Pulling Efficiency From Your Hat*
Verizon: *
AT&T:
#
T-Mobile: #
Sprint:
1
Thank you for calling Steve
Richman. I am not available to
take your call. If this is an
emergency please contact
Genworth’s Action Center at 800
444-5664. If you need to email
me, my email address is
steve.richman@genworth.com.
If you need to speak with my
manager, please contact Danny
Williamson at 919 555-5555. I
will return your call at my
earliest possible convenience.
* From David Pogue’s Ted Talk
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Pulling Efficiency From Your Hat*
* From David Pogue’s Ted Talk
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Pulling Efficiency From Your Hat*
* From David Pogue’s Ted Talk
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The Many Hats of Customer Service
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Customer Service
Who Are You?
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NMLSConsumerAccess.org
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Customer Service
Who Are You?
Simple Math S = R/E
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Satisfaction =
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Reality
Expectations
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Customer Service
Who Are You?
Simple Math S = R/E
The Customer Is Always…
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Right Handed Buyers Are…
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Customer Service
Who Are You?
Simple Math S = R/E
Not Always Right – But Pays the Check
It’s Not Just a Mortgage
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DSIREUSA.org
51
Customer Service
Who Are You?
Simple Math S = R/E
Not Always Right – But Pays the Check
It’s Not Just a Mortgage
Communication is King and Queen
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facebook.com/thatMIguy
Contact Info
Steve Richman
steve.richman@genworth.com
919 870-2519
Please Join Me –
LinkedIn: www.linkedin.com/in/steverichman
Facebook: www.facebook.com/ThatMIGuy
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Legal Disclaimer
Genworth Mortgage Insurance is happy to provide you with these
training materials. While we strive for accuracy, we also know that any
discussion of laws and their application to particular facts is subject to
individual interpretation, change, and other uncertainties. Our training is not
intended as legal advice, and is not a substitute for advice of counsel. You
should always check with your own legal advisors for interpretations of legal
and compliance principles applicable to your business.
GENWORTH EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH
RESPECT TO THESE MATERIALS AND THE RELATED TRAINING. IN NO
EVENT SHALL GENWORTH BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND
WHATSOEVER WITH RESPECT TO THE TRAINING AND THE MATERIALS.
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