Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.
High Trust
Presented by
Robert Ratimorszky
Marketing in Mortgages
Objectives
More loans
Forecast rate and
understand markets
Close more sales calls
More money in less time
Insure business ...
The Enemy
Internet and The UnaccountableInternet and The Unaccountable
Order TakersOrder Takers
LiarsLiars
Current Market
•Mortgage Bonds
•Nasdaq Effect
•The Fed
•Freddie Mac Rate
Stocks, Bonds, and Cash
Stocks
Bonds
Cash
LiquidityMedia
Fund
Managers
Price Vs Yield
$1,000 Bond @ 8.00% Note Rate
$80 Annual Return
If Sold for $800 Then
YTM = 10%
If Sold for $1600 Then
YTM ...
The No Cost Loan
•$200,000 @ 7% = $1,330
•7.375% = $1,381
•Payment difference = $51
•Closing costs = $2,300 (non-ded)
•$2,...
Trusted Advisor Vs Salesperson
•Money Business
•Market Knowledge and Expertise
Refi With Purpose
•Rule of 72
•S&P 500 historical performance
•Save $200 per month or $30,000
•Loan of $275,000 or $225,00...
Financial Planners
•Exchange clients
•Learn from each other
•Mutual benefit
•Win Win Win
Understanding the
Business of Money
Gain financial knowledge
Increase Respect
Increase Trust
Subscribe and Read
Money Maga...
A Mortgage is an integral
part of your portfolio
Tax Planning
Retirement
College Preparation
Investing
Know Your Taxes
Do your own 1040
Market with Year end Tax Tips
•Pay January in December
•Avoid Tax distributions
•IRA to R...
IRA and 401k
The Penny Story
Bi-Weekly’s Benefits
Children’s College Education
Retirement
PMI
ARM Protection
Additional Income and Sales
Assistants
•Applications by phoneApplications by phone
•Fee CollectionsFee Collections
•After Market SalesAfter Market Sal...
“Everything that can be invented,
has been invented”
Charles H. Deuell,
Head of the US Patent Office
While testifying befo...
Upcoming SlideShare
Loading in …5
×

High Trust Financial Planner Interview

324 views

Published on

Sales and Marketing, High Trust Interview used for partnering with Financial Planners.

Published in: Economy & Finance
  • Be the first to comment

  • Be the first to like this

High Trust Financial Planner Interview

  1. 1. High Trust Presented by Robert Ratimorszky Marketing in Mortgages
  2. 2. Objectives More loans Forecast rate and understand markets Close more sales calls More money in less time Insure business into future
  3. 3. The Enemy Internet and The UnaccountableInternet and The Unaccountable Order TakersOrder Takers LiarsLiars
  4. 4. Current Market •Mortgage Bonds •Nasdaq Effect •The Fed •Freddie Mac Rate
  5. 5. Stocks, Bonds, and Cash Stocks Bonds Cash LiquidityMedia Fund Managers
  6. 6. Price Vs Yield $1,000 Bond @ 8.00% Note Rate $80 Annual Return If Sold for $800 Then YTM = 10% If Sold for $1600 Then YTM = 5% SupplySupply andand DemandDemand
  7. 7. The No Cost Loan •$200,000 @ 7% = $1,330 •7.375% = $1,381 •Payment difference = $51 •Closing costs = $2,300 (non-ded) •$2,300 /51 = 45 mos. Real Calculation should be: $197,700 @ 7.375% = $1,365 Payment difference = $35 Net of tax deduction = $23 True Breakeven @ 100 months. Use Amortization Table
  8. 8. Trusted Advisor Vs Salesperson •Money Business •Market Knowledge and Expertise
  9. 9. Refi With Purpose •Rule of 72 •S&P 500 historical performance •Save $200 per month or $30,000 •Loan of $275,000 or $225,000 •Tax Free Municipal Bond Funds
  10. 10. Financial Planners •Exchange clients •Learn from each other •Mutual benefit •Win Win Win
  11. 11. Understanding the Business of Money Gain financial knowledge Increase Respect Increase Trust Subscribe and Read Money Magazine Kiplinger Magazine Kiplinger Washington Newsletter and Tax Letter Mortgage Market Guide MPN 619-522-9800
  12. 12. A Mortgage is an integral part of your portfolio Tax Planning Retirement College Preparation Investing
  13. 13. Know Your Taxes Do your own 1040 Market with Year end Tax Tips •Pay January in December •Avoid Tax distributions •IRA to Roth Section 179 Tax Free Municipal Bonds Always Use After Tax Dollars
  14. 14. IRA and 401k The Penny Story
  15. 15. Bi-Weekly’s Benefits Children’s College Education Retirement PMI ARM Protection Additional Income and Sales
  16. 16. Assistants •Applications by phoneApplications by phone •Fee CollectionsFee Collections •After Market SalesAfter Market Sales •Follow UpFollow Up •Phone ManagementPhone Management •IncomingIncoming •OutgoingOutgoing •ConferenceConference
  17. 17. “Everything that can be invented, has been invented” Charles H. Deuell, Head of the US Patent Office While testifying before congress in 1898 Opportunity

×