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- 1. The Market Has Changed. The Borrower Has Changed. Have You? Tools and Techniques for Successful Pipeline Creation Company Confidential ©2011 Genworth Financial, Inc. All rights reserved.
- 2. Harvard Knows Best 1 Work Hard Success Be Happy Shawn Achor - http://m.youtube.com/#/watch?v=GXy__kBVq1M&desktop_uri=%2Fwatch%3Fv%3DGXy__kBVq1M
- 3. Harvard Knows Best 2 Work Hard SuccessBe Happy Shawn Achor - http://m.youtube.com/#/watch?v=GXy__kBVq1M&desktop_uri=%2Fwatch%3Fv%3DGXy__kBVq1M Intelligence Creativity Performance 3 Gratitudes Journaling Exercise Meditation Random Acts of Kindness
- 4. Harvard Knows Best 3 Work Hard Shawn Achor - http://m.youtube.com/#/watch?v=GXy__kBVq1M&desktop_uri=%2Fwatch%3Fv%3DGXy__kBVq1M Gooder
- 5. Quick Question Why Should I Do Business with You? Why Should I Do Business with Your Company? Did You Say… Great Rates Great Products Good Credit and Bad Credit Welcome Been in the Business for XX Years Great Customer Service facebook.com/thatMIguy
- 6. Customer Service Quick Survey When It Comes to Customer Service, Under… Deliver What You Promise Customer Service Does Not Get You This Deal… It Gets You The Next Deal Customer Service Is an Expectation facebook.com/thatMIguy
- 7. Consumer Your Father’s Oldsmobile Has a Flat US Consumer Trends facebook.com/thatMIguy
- 11. Techno Geek Is there an App for You? US Consumer Trends Consumer facebook.com/thatMIguy
- 17. Easy Greenie US Consumer Trends Consumer facebook.com/thatMIguy
- 19. Nice Guys Finish First US Consumer Trends Consumer facebook.com/thatMIguy
- 21. facebook.com/thatMIguy Consumer Trends My Dollar – Your Non-cents US Consumer Trends
- 22. facebook.com/thatMIguy Question Do You Know Who is the Fastest Growing Company in History?* *http://www.forbes.com/forbes/2010/0830/entrepreneurs-groupon-facebook-twitter-next-web-phenom.html
- 23. Question Do You Know About TLC’s New TV Show? facebook.com/thatMIguy
- 25. Peter Pan Still Lives Here US Consumer Trends Consumer facebook.com/thatMIguy
- 28. Just helped a wonderful family get into a new home in the Bedford area. What an awesome neighborhood. I know they are going to love it. So happy for them. All Postings Must Comply with State and Federal Law and Your Company’s Social Media Policy facebook.com/thatMIguy
- 29. Congratulations on your new home. I know you are going to love it. You have a wonderful family and I wish you the best. Enjoy that big backyard. All Postings Must Comply with State and Federal Law and Your Company’s Social Media Policy facebook.com/thatMIguy
- 30. facebook.com/thatMIguy Pop Quiz When Is a Word that Defines Your World Not Really a Word and Has No Definition?
- 31. Understand the MI Option Approvals – Little Money Down Competitive Monthly Payment Today Lowest Monthly Payment Tomorrow Tax Benefits Homebuyer Privileges Homeowner Assistance for Borrowers in Trouble MI Benefits the Borrower facebook.com/thatMIguy
- 33. 32 MI v FHA Payment Comparison 95% LTV - $200,000 Loan Amount - 721 Fico Score – 3.50% Fixed 30 Yr - Primary Residence Total Monthly P&I and Monthly MI Total Monthly P&I and FHA MI August 2009 $1,055 $997 $58 November 2010 $1,055 $1,049 $6 August 2011 $1,055 $1,090 $36 February 2012 $1,018 $1,090 $72 April 2012 $1,018 $1,114 $96 May 2012 $1,010 $1,114 $104 April 2013 $1,010 $1,130 $121 Genworth MI payment is based upon Zero Monthly Nonrefundable Rate published on the date specified for the State of North Carolina. FHA monthly payments are only an estimate based on the loan and rate information provided and assumes the upfront premium was financed into the loan amount.. FHA default rates were obtained from various publicly available resources and may be subject to change. FHA eligibility is not considered when calculating the monthly payment. After MI Cancellation $898
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- 36. Top Websites facebook.com/thatMIguy Home Value Changes by City www.fhfa.gov Unemployment by City www.bls.gov/lau Rates www.freddiemac.com/pmms/pmms30.htm Demographics / Economics / Schools… by City www.city-data.com Consumer Profile by Zipcode www.mybestsegments.com Use This as Realtor Presentation
- 37. 36 Trends Market Value Federal Housing Finance Agency - Housing Price Index http://www.fhfa.gov
- 38. 37Presentation Title Insert Legal Copy www.freddiemac.com/pmms/pmms30.htm
- 39. 38 Trends Unemployment: US Department of Labor Bureau of Labor Statistics http://www.bls.gov/lau/
- 43. 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 facebook.com/thatMIguy
- 44. 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. facebook.com/thatMIguy