Embedded screen-sharing technology makes this pre-GFE financial presentation a natural for telesales agents and traditional MLO's alike.

1. Powerful and
Compliant
Presentations
1

2. Is this YOUR Institutions’ Pre-GFE Loan Presentation?
From: loan.officer@xyzmtg.com [mailto:loan.officer@xyzmtg.com]
Sent: Wednesday, February 29, 2012 12:22 PM
To: prospect@msn.com
Subject: RE: mortgage rates
I have a few options for you. First, here is a synopsis of your current loan. The current rate is 4.625%. The loan has about 27.5 years
remaining with a balance of approximately $399,000. The 30 year option would be at a rate of 3.875%. Based on a loan amount of
$406,000, the principle and interest payment would be $1909 or $234 less than your current payment. The 20 year option would be at a
rate of 3.625%. Based on the same loan amount, the principle and interest payment would be approximately $2,381. If your goal is to
reduce the overall payment, another option to consider would be a 5/1 ARM at a rate of 2.25%. The would change the principle and
interest payment to $1,552 or $591 less than your current payment. (Obviously the savings could be added to the principle of the new loan
each month, reducing the principle by over $35,000 in that five year period.
Thanks,
Loan R. Officer
Mortgage Consultant
Residential Sales
NMLSR ID 999X
XYZ Residential Mortgage | 21 Oak Tree Dr | Charlotte, NC 22407
Tel (336) 888-1111 | | Fax (866) 888-2222
loan.officer@xyzmtg.com
www.loanofficer.com
This is an unsecured email service which is not intended for sending confidential or sensitive information. Please do not include your social
security number, account number, or any other personal or financial information in the content of the email. This may be a promotional
email. To discontinue receiving promotional emails from XYZ Bank N.A., including XYZ Residential Mortgage, click here
Remove@xyzmtg.com.

3. It shouldn’t be
From: loan.officer@xyzmtg.com [mailto:loan.officer@xyzmtg.com]
Sent: Wednesday, February 29, 2012 12:22 PM
To: prospect@msn.com
Subject: RE: mortgage rates
I have a few options for you. First, here is a synopsis of your current loan. The current rate is 4.625%. The loan has about 27.5 years
remaining with a balance of approximately $399,000. The 30 year option1,2 would be at a rate of 3.875%1,4,5. Based on a loan amount of
$406,0001, the principle and interest payment would be $19091,3,7 or $234 less than your current payment. The 20 year option1,2 would be
at a rate of 3.625%1,4. Based on the same loan amount, the principle and interest payment would be approximately $2,3811,3,7. If your goal
is to reduce the overall payment, another option to consider would be a 5/1 ARM at a rate of 2.25%1,3,4,5. The would change the principle
and interest payment to $1,5521,3,6,7 or $591 less than your current payment. (Obviously the savings could be added to the principle of the
new loan each month, reducing the principle by over $35,000 in that five year period.
Thanks, 1. Trigger terms
Loan R. Officer 2. Period of repayment
3. Terms of repayment
Mortgage Consultant 4. APR disclosure (missing)
Residential Sales
5. Index + margin (missing)
NMLSR ID 999X
6. P&I payment based on initial note rate, not index +
XYZ Residential Mortgage | 21 Oak Tree Dr | Charlotte, NC 22407 margin
Tel (336) 888-1111 | | Fax (866) 888-2222 7. Missing required disclosure - Actual payment will be
loan.officer@xyzmtg.com higher to include taxes and insurance
www.loanofficer.com
This is an unsecured email service which is not intended for sending confidential or sensitive information. Please do not include your social
security number, account number, or any other personal or financial information in the content of the email. This may be a promotional
email. To discontinue receiving promotional emails from XYZ Bank N.A., including XYZ Residential Mortgage, click here
Remove@xyzmtg.com.

4. It could be…

5. Licensing / CE
Company /
Marketing
Tools / Systems
LEAD 1003
What
Training / Events Happens?
PROCESS
Experience
CLOSING

6. 3 Questions – Increase Conversion 70%
Can I • Do I have the Cash?
Afford It (now)?
Can I • Do I have the Cash Flow?
Afford It (now)?
Can I • What’s the net impact to my
Afford It (later)? (cash) wealth over time?

7. Simple to Use
Solves: User Engagement

8. Powerful to Use
Solves: User Disengagement

9. Comprehensive
Solves: Multiple Tools

10. Relevant
Solves: Changing Market Conditions

11. Clear
Solves: Math Challenged

12. 3 Questions – Cash
Solves: Decision Making Now

13. 3 Questions – Cash Flow
Solves: Decision Making Now

14. 3 Questions – Wealth
Solves: Decision Making Now

15. Calculators
Solves: Quick Questions

16. Customize
Solves: Branding & Compliance

17. Present
Solves: Client Confusion

18. Present

19. Simplicity
Solves: Ease of Comparison

20. Educate
Solves: Differentiation

21. Promote
Solves: Partner & Consumer Marketing

22. Collaborate
Solves: Reduces Time

23. Engage
Solves: Third Party Approval

24. Show
Solves: Reduces Time & Cost

25. Mobile Integration
Solves: Ongoing Leads

26. Learn more…
Bill Bodnar
President, Sales and Business Development
Direct: (732) 526-1525
Email: bbodnar@mssllc.com