The document discusses becoming a "black belt" mortgage advisor by providing advice rather than just focusing on price. It emphasizes using technology like Mortgage Coach to perform total cost analyses over the life of the loan and educate borrowers. Black belt advisors develop personal brands, use tools to show graphs and costs over time, and ask questions to determine the best loan options for clients' goals. The document promotes Mortgage Coach's training and community to help advisors rise through the "belts" from basic transactional work to advanced financial advising.
Slides, stats, and scripts from Todd Duncan's recent Mortgage Coach Friday Mastermind
This is just a small sample of scripts and value from Toddy's upcoming Sales Mastery 2019
Cindy Ertman's REFI scripts and email templateMortgage Coach
Cindy Ertman has closed over $200M in a single year and today's she's coaching top producers. Watch this interview to learn the scripts and email templates she's created with her clients to help optimize the REFI WAVE as a purchase first mortgage advisor.
Slides, stats, and scripts from Todd Duncan's recent Mortgage Coach Friday Mastermind
This is just a small sample of scripts and value from Toddy's upcoming Sales Mastery 2019
Cindy Ertman's REFI scripts and email templateMortgage Coach
Cindy Ertman has closed over $200M in a single year and today's she's coaching top producers. Watch this interview to learn the scripts and email templates she's created with her clients to help optimize the REFI WAVE as a purchase first mortgage advisor.
We want loan officers to be... the MOST VALUABLE FINANCIAL ADVISOR to families and borrowers who want to achieve financial freedom.
Loan officers should be competing with CPAs, financial advisors, and Realtors to deliver the best advice experience and the best financial literacy education they’ve ever received.
The Art of Homeownership – E Learning Platform 12 Disruptive Questions to Ask on The Initial Call
The purpose of these questions is to get the consumer to realize that there is a lot that they don’t know or haven’t thought about. Once they realize that, you regain control of the conversation and can focus on education, guidance and advice, as opposed to just talking about rate and cost.
How To Borrow And Lend Money Using Private Lending. A Step-By-Step Guide And It Is Free. A Great Way To Fund Your Business, And To Make Great Returns In Your Portfolio. Brought To You By www.IAmAnInvestor.com
If you need a mortgage or insurance advisor, Kiwi Mortgages can help. We are a full-service broker and work with most Banks, non-Bank lenders, and Insurance companies in Auckland
6 questions to ask mortgage companies in njPraveen Singh
Most mortgage companies will charge a zero to one point to lock a loan rate but make sure you ask if there is a charge for a rate lock and for how long will this rate be locked for.
Buying a house here’s how to pick a top buyer’s agentPraveen Singh
Buying a house can be a daunting task whether it’s your first time or if you’re a veteran. You’re thinking, OMG where do I start? Who should I talk to? WHAT DO I DO?
The forces of each side pull and tug on your thoughts figuratively. What would make more sense now? Or should the question be: What makes sense for my future?
We want loan officers to be... the MOST VALUABLE FINANCIAL ADVISOR to families and borrowers who want to achieve financial freedom.
Loan officers should be competing with CPAs, financial advisors, and Realtors to deliver the best advice experience and the best financial literacy education they’ve ever received.
The Art of Homeownership – E Learning Platform 12 Disruptive Questions to Ask on The Initial Call
The purpose of these questions is to get the consumer to realize that there is a lot that they don’t know or haven’t thought about. Once they realize that, you regain control of the conversation and can focus on education, guidance and advice, as opposed to just talking about rate and cost.
How To Borrow And Lend Money Using Private Lending. A Step-By-Step Guide And It Is Free. A Great Way To Fund Your Business, And To Make Great Returns In Your Portfolio. Brought To You By www.IAmAnInvestor.com
If you need a mortgage or insurance advisor, Kiwi Mortgages can help. We are a full-service broker and work with most Banks, non-Bank lenders, and Insurance companies in Auckland
6 questions to ask mortgage companies in njPraveen Singh
Most mortgage companies will charge a zero to one point to lock a loan rate but make sure you ask if there is a charge for a rate lock and for how long will this rate be locked for.
Buying a house here’s how to pick a top buyer’s agentPraveen Singh
Buying a house can be a daunting task whether it’s your first time or if you’re a veteran. You’re thinking, OMG where do I start? Who should I talk to? WHAT DO I DO?
The forces of each side pull and tug on your thoughts figuratively. What would make more sense now? Or should the question be: What makes sense for my future?
Insider Secrets of Credit Score and Credit Cards - The Ultimate GuideSolène Lagrée
Everyday, we are bond to make financial decisions. And yet, those are not always informed choices. How to improve my credit score? How to find the right credit card? How to use my credit card responsibly?
Silver Credit is here to help you take the power back!
With this 50 pages guide, you’ll learn:
How is my credit score calculated?
How can I improve my credit score fast ?
What are the benefits of having a good credit score?
What are the common myths about credit score?
Why should I use a credit card?
How can I make the most of credit cards?
What are some of the most common myths about credit cards?
Bank 4.0: Banking Everywhere, Never at a Bank: Bestselling Author, Entrepreneur, Founder & CEO | Moven
Anne Boden is the Founder and CEO of Starling Bank. Prior to Starling, she was Chief Operating Officer of Allied Irish Banks PLC and Head of EMEA Global Transaction Banking across 34 countries for RBS and ABN AMRO. She has more than 30 years experience in banking, including Lloyds Bank, Standard Chartered Bank, and UBS. She was recently recognized as one of the Global Power Women in FinTech. She holds a BSc in Computer Science and Chemistry and is a Fellow of the Chartered Institute of IT.
Duane Forrester
Utah Digital Marketing Conference 2019
Learn more at: utahdmc.org
How Machine Learning is Changing the Landscape of Search, Discovery and Engagement
Today’s consumers have more choices than ever and are less brand loyal than at any point in history. We’ll examine pivotal inflection points driven by consumers that influence search and data discovery. These directly affect what search engines rank and show in results, so you need to know what you can control and influence. Data about your business, products, and services remains one key area under-explored by most businesses, and digital knowledge management is proving to have a deep impact on consumer engagement, revenue, and business success.
Are you looking to exercise your stock options? WeFinance helps you crowdfund a loan from your network. It's a loan on your terms — you pick the length, rate, and deferral period.
Find out more here: wefinance.co/stock_options
How engaged is your brand with your prospects and customers?
Since the 1800s we’ve been building new communication technologies. From the telegraph to the fax machine to the “leave a message after the beep”. From voicemail to email then to
the first instant messaging service and SMS. Finally, we arrived at live chat which gave us the experience of quick message and those three little dots signaling a reply.
Communication these days is instant and its interactive — friends make plans faster, families stay closer, and businesses provide answers instantly. Customers expect conversations to happen how, when, and where they want. Across whatever platform a customer wants to communicate with your brand on - phone, text, Facebook Messenger, email, Slack, and more.
Whether you are B2B or B2C – today is all about B2H (Business To Human) and with it a demand for a personal, fast and relevant user experience at every touch point across the buyer journey. In this session, we’ll show how business strategy, user experience and real-time data are driving today’s marketing and sales experience.
Be prepared to discover:
• Why the Marketing Funnel is dead and the customer centric Fly Wheel is the key
• How chat bots are blurring the line between marketing, sales and service
• How Messenger delivered a 477% improvement in the cost per lead (Case Study)
• How to generate leads and engage customers through conversational marketing
• How SMarketing is driving a unified sales and marketing team
• What tools and technologies you need in your 2018 MarTech Growth Stack to do all the heavy lifting for you
Direct Marketing | Maximize response rate, engagement and ROI. John Fischbeck
Leverage digital inbound marketing techniques with your direct marketing initiatives. A Mortgage Brokers primer to maximizing response rates, engagement and ROI. LeadSync is free.
Visit http://www.mortgageleadsolutions.com/ss-001
Chatbot: Shaping Call Center Customer ServiceAvni Rajput
Chatbots are becoming more and more popular within the call center industry.
Here are some points you get to know how chatbots are making business interactions more human.
12 Step Community Led Growth Playbook - Lloyed LoboBoast Capital
Community-led growth is taking center stage at organizations across all industries. With traditional marketing techniques reaching a saturation point and product features appearing to differ very little, a thriving community can become your single greatest asset by acting as a force multiplier for your business and also enabling you to stand out in a fragmented market.
However, building and nurturing a community takes time - relationships cannot be an afterthought. When put front and center, a community can be a great acquisition channel, product feedback mechanism, brand differentiator, and retention lever.
In this session, Lloyed Lobo, Cofounder of Boast.AI shares how they were able to bootstrap to 8 figures in revenue by building a community of +100k people called Traction and the key lessons learned along the way.
Specifically, Lloyed covers:
- Audience vs community, what is the difference
- Getting your community started, bringing people together, and seeding it at the beginning
- How to ensure your community sticks and sustains for the long haul
- The most impactful way to add new members
- Unique strategies and tactics to keep the community engaged and drive interpersonal connections between members
- The key metrics for community success
- Tools to manage the community
Bio below
Lloyed is the Co-founder of Boast.AI fintech platform that automates access to billions in R&D tax credits and government funding to help innovative companies fuel their growth. Boast.AI was bootstrapped to 8 figures in revenue before it raised a $30 CAD Series A and launched a $100M debt fund to finance R&D.
Lloyed also runs Traction, a community of +100k innovators where leaders from the fastest growing companies share learnings on building, growing, and scaling companies via weekly webinars, regular meetups, and conferences.
Lloyed has been covered in Forbes, TechCrunch, Fox Business, SF Biz Journals, and VentureBeat. He has also been a speaker at top conferences and podcasts including SaaStr, Entrepreneurs on Fire, Mixergy, 1Mby1M, and Marketing School.
- LinkedIn: https://www.linkedin.com/in/lloyedlobo/
- Website: https://tractionconf.io
- YouTube: https://www.youtube.com/c/TractionConf/videos.
- Spotify: https://open.spotify.com/show/6twRL8X8D4CQq9yaazkvuM
- Apple: https://podcasts.apple.com/us/podcast/traction/id1595806788
Similar to Becoming a BLACK BELT in Mortgage Advice at Fairway's DREAM BIG SUMMIT (20)
CHOOSING BETWEEN TWO ROADS: The Transactional Loan Officer vs. The Mortgage ...Mortgage Coach
Check out this white paper for 2005...some things of changed but many things are the same
CHOOSING BETWEEN TWO ROADS: The Transactional Loan Officer vs. The Mortgage Planner
As the refi market winds down, loan officers must make a decision: How are they going to generate new business going forward?
Will they stay in the transactional trap of the average originator – or break through to new levels of respect, referrals and residual commissions by becoming mortgage planners?
These are the slides from Justin Brown's at the Modern REAL ESTATE Summit | WATCH -- > How Justin Brown Is Stopping The Scroll with Social Media and Mortgage Coach https://youtu.be/XNnElOKgS1s
Thank you Clay Hebert for creating custom slides and 6-word intros for the MC community. I especially love your intros for Denise Donoghue, Dan Keller, Kelly Zitlow and Josh Mettle.
They are amazing!!!!!
Louis Thaxton VA Mission Essential Task List (METL Scorecard)Mortgage Coach
The most important things Louise Thaxton provides to military families 1) she learns their story 2) provides a Total Cost Analysis to help them make a smarter mortgage decisions that builds wealth faster 3) provides them a VA METL (Mission Essential Task List.
Link to sign up for Sales Mastery https://qh126.infusionsoft.com/app/manageCart/addProduct?productId=1414
Link for LEAD CONVERSION PLAYBOOK https://www.linkedin.com/pulse/lead-conversion-playbook-mortgage-coach-dave-savage/
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
3. 30% of America’s
top lenders using
Mortgage Coach
34% of mortgage
pros who close over
100 loans annually
use Mortgage
Coach
TODAY
4. T E C H N O L O G Y
1 0 , 0 0 0 M E M B E R S
1 , 0 0 0 , 0 0 0 C O N S U M E R S
C O M M U N I T Y
3 0 , 0 0 0 S U B S C R I B E R S
3 , 0 0 0 , 0 0 0 M I N U T E S
S A L E S T R A I N I N G
2 5 , 7 0 0 L E A R N F R O M
M C M O N T H L Y
5. MORTGAGE INDUSTRY
CUSTOMER ACQUISITION SHIFT
TITLE
MORTGAGE
MEETING
S
HOME
FINDING
REPAIR
S
REALTOR
S
The Past:
REALTOR
CENTRIC
CONSUMERS
REPAIRS
MEETINGS
MORTGAGE
LOAN
OFFICERS
INSPECTIONS
HOME
SEARCHING
INSURANCE
The Digital Shift:
CONSUMER
CENTRIC
7. IN THE PAST …
only a few types of
mortgage lenders in
the industry
BIG BANKS
RETAIL MORTGAGE LENDERS
CREDIT UNIONS
CONSUMERS MORTGAGE BROKERS
ONLINE LENDERS
8. BIG BANKS
REAL ESTATE
COMPANIES WITH
MORTGAGE COMPANIES
RETAIL MORTGAGE LENDERS
COMMUNITIES
DISRUPTERS
LEAD AGGREGATORS
FIN TECH
CONSUMERS
CREDIT UNIONS
CONSUMERS
Today, the
BATTLE FIELD
for the
CONSUMER
MIND SHARE has
grown in
complexity
MORTGAGE BROKERS
ONLINE LENDERS
INVESTMENT
BANKERS/WEALTH
MANAGERS
9. The Five Profiles of Top Producers
HARD WORKER THE CHALLENGER RELATIONSHIP BUILDER
LOAN WOLF PROBLEM SOLVER
#1
#2
#5
13. F I N A N C I A L A D V I S O R
Manages Assets
A T T O R N E Y ’ S
Helps with life events and probate needs
I N S U R A N C E P R O S
Manages Life Insurance needs
C P A
Manages Taxes
M O R T G A G E
C O A C H
L O
R E A L T O R
Helps Buy and Sell
Real Estate
B E C A P T A I N O F T H E
W E A L T H T E A M
19. M O N T H L Y P A Y M E N T
Can I afford the home monthly?
C A S H T O C L O S E
Am I getting a good deal and do I
have enough money in the bank?
I N T E R E S T R A T E
Am I getting a good deal?
T R A N S A C T I O N
T R I A N G L E
W H I T E B E L T
T R A N S A C T I O N A L L O
20. I can close your loan faster and
easier than anyone else and
have the best rates and…
VALUE PROPW H I T E B E L T
T R A N S A C T I O N A L L O
21. How long do you plan to live in the home?
QUESTIONW H I T E B E L T
T R A N S A C T I O N A L L O
23. M O N T H L Y P A Y M E N T
Can I afford the home monthly?
C A S H T O C L O S E
Am I getting a good deal and do I
have enough money in the bank?
T O T A L C O S T O V E R T I M E
The smart way to compare loan options over
time and to make informed mortgage decisions
I N T E R E S T R A T E
Am I getting a good deal?
M O R T G A G E
C O A C H
A D V I C E
S T A R
O R A N G E B E L T
M O R T G A G E C O A C H L O
20+ Total Cost Analysis
26. M O N T H L Y P A Y M E N T
Can I afford the home monthly?
C A S H T O C L O S E
Am I getting a good deal and do I
have enough money in the bank?
T O T A L C O S T O V E R T I M E
The smart way to compare loan options over
time and to make informed mortgage decisions
P R E - P A Y O R I N V E S T
The best strategies to build
wealth and estate faster
I N T E R E S T R A T E
Am I getting a good deal?
M O R T G A G E
C O A C H
A D V I C E
S T A R
50+ Total Cost Analysis
B L U E B E L T
M O R T G A G E C O A C H L O
32. “Always start a relationship
going into the goals, do a.”
“The time you spent with me explaining my loan
options with the Mortgage Coach analysis makes
me want to find the last 2 lenders I worked with
and punch them in the face”.
- Barrett, United States Marine Core Officer
34. One of the most important
books for local mortgage
professionals
35. My advice helps you build wealth with real
estate faster by helping you make smarter
mortgage decisions and… I coach you over
time to ensure you always have the best
mortgage to achieve your goals.
B L A C K B E L T
M O R T G A G E C O A C H L O VALUE PROP
42. Josh’s POS Script
Hey Chad. Josh Mettle, Fairway Independent Mortgage. Good chatting with you, buddy. Enjoy the BYU game and
go kook, so hope you get a victory. I will send you next my personal contact card. Please save that. If you need
me, don't hesitate to text me. That's probably the quickest way to get ahold of me, most of the time. But feel free, if
you need me after hours or on the weekend, shoot me a text that way.
I'll also then send you a text message with a link to the FairwayNow mobile app. This is a great little tool. Please
click on the link, download the mobile app from the app store, then launch the app and click on the client
questionnaire. Once you've completed the client questionnaire, that data's securely transferred over to me. As I
said, it's preliminary information. I'll backfill anything that you miss. Just fill it out to the best of your ability. Probably
shouldn't take you more than 10 or 15 minutes from your mobile device, and then we'll jump in and get going from
there. If you could also send me a copy of the purchase agreement, that would be great. My email is
josh@joshmettle.com. It'll also be in the contact card I send you, and we'll be in contact soon. Take care, buddy.
55. Teach something that hadn’t been
considered
Something
They’ll Always
Remember
email kathyB@fairwayMC.com to sign up for Mortgage Coach
56. T E C H N O L O G Y
1 0 , 0 0 0 M E M B E R S
1 , 0 0 0 , 0 0 0 C O N S U M E R S
C O M M U N I T Y
3 0 , 0 0 0 S U B S C R I B E R S
3 , 0 0 0 , 0 0 0 M I N U T E S
S A L E S T R A I N I N G
2 5 , 7 0 0 L E A R N F R O M
M C M O N T H L Y
59. PRICE ADVICE
B L A C K B E L T
M O R T G A G E C O A C H L O
W H I T E B E L T
T R A N S A C T I O N A L L O
60. My advice helps you build wealth with real
estate faster by helping you make smarter
mortgage decisions and… I coach you over
time to ensure you always have the best
mortgage to achieve your goals.
B L A C K B E L T
M O R T G A G E C O A C H L O VALUE PROP
61. Jeremy: “How old would you like to be when your home is paid off?”
Borrower: “I would like to be about 50-55.”
Jeremy: “And if you go with a 30-year mortgage, how old are you going to be?”
Borrower: “I will be about 71.”
Jeremy: “Okay, based on that it looks like you are going to be 21 to 26 years beyond
B L A C K B E L T
M O R T G A G E C O A C H L O QUESTION
62. B L A C K B E L T
M O R T G A G E C O A C H L O
W H I T E B E L T
T R A N S A C T I O N A L L O
email kathyB@fairwayMC.com to sign up for Mortgage Coach
63. Teach something that hadn’t been
considered
Something
They’ll Always
Remember
email kathyB@fairwayMC.com to sign up for Mortgage Coach
64. COMMUNITY
30% of America’s
top lenders using
Mortgage Coach
34% of mortgage
pros who close over
100 loans annually
use Mortgage
Coach
email kathyB@fairwayMC.com to sign up for Mortgage Coach
65. T E C H N O L O G Y
1 0 , 0 0 0 M E M B E R S
1 , 0 0 0 , 0 0 0 C O N S U M E R S
C O M M U N I T Y
3 0 , 0 0 0 S U B S C R I B E R S
3 , 0 0 0 , 0 0 0 M I N U T E S
S A L E S T R A I N I N G
2 5 , 7 0 0 L E A R N F R O M
M C M O N T H L Y
Editor's Notes
Modern LO = Is a Mortgage Coach/Advisor who captures key data on clients and partners so they can customize and personalize multi-channel content and services like TCA, AMR, Lifestyle touch-points, updates, relevant news and top of mind content