DoublePositive Marketing Group provides "LIVE Hot Transfer" mortgage leads to mortgage originators by connecting interested and pre-qualified borrowers directly to loan officers through a three-step process. First, potential borrowers express interest online or by phone and their information is captured. Second, DoublePositive agents contact borrowers to confirm interest and pre-qualify them. Third, interested and qualified borrowers are transferred live to the loan officer. DoublePositive aims to increase loan officer productivity by only providing transfers for borrowers that are confirmed as interested in receiving a mortgage quote and pre-qualified through their "DOUBLEconfirm" process.

1. DoublePositive Marketing Group
LIVE Hot Transfer Mortgage Leads
for Mortgage Originators
DoublePositive Marketing Group
1030 Hull Street : : Suite 300
Baltimore, MD 21230
www.doublepositive.com
888-DPOSITIVE

2. About DoublePositive
DoublePositive Marketing Group, Inc. was
founded in 2004 with the specific purpose
of bridging the “last mile” of converting
traditional (data-only) leads into sales.
• Evolved the model of lead generation
• Strategic partnerships with lead generators
• Business Process Patent for “Hot Transfers”
and “DOUBLEconfirm” process
• PriceWaterhouseCoopers and Entrepreneur
magazine’s list of Top 100 fastest growing small
businesses in the US

3. What Are LIVE Hot Transfers?
When you begin receiving LIVE Hot Transfers
from DoublePositive, you instantly become
more productive. Potential borrowers are
all put through our DOUBLEconfirm™
process, which results in:
• 100% Contact Rate
• Only INTERESTED Borrowers
• Only QUALIFIED Borrowers

4. How LIVE Hot Transfers Work
LIVE Hot Transfers involve a 3-step process,
which delivers live consumers who have
the highest probability of converting.
1 2 3
INTERESTED CONSUMER LIVE CONTACT LIVE TRANSFER
Consumers express interest DoublePositive’s call center The call center agent
in a free mortgage quote by agent contacts the consumer, transfers the call to a
submitting an online form or verifies the consumer’s mortgage specialist, and the
calling a toll-free number. information and confirms sales process continues
DoublePositive gathers lead their interest in speaking with between the mortgage
data and sends it to a call a mortgage specialist. specialist and consumer.
center in real time.

5. Step 1: Interested Consumer
• Every LIVE Hot Transfer starts with a
1
“proactive expression of interest” by
a potential borrower via: INTERESTED CONSUMER
Consumers express interest
• Search Engines queries for terms like “free in a free mortgage quote by
submitting an online form or
mortgage quote” calling a toll-free number.
DoublePositive gathers lead
• Email Advertisements
data and sends it to a call
• Banner Advertisements center in real time.
• Borrowers either fill out an online
form or call a toll-free number and a
call center captures the borrower’s
information.

6. Step 2: Live Contact
Making Contact With Borrowers
2
LIVE CONTACT
• The call center attempts to make DoublePositive’s call center
contact with a borrower for 3 agent contacts the consumer,
verifies the consumer’s
consecutive business days, then the information and confirms
leads are removed from the queue. their interest in speaking with
a mortgage specialist.
• Call center agents are instructed to
say that they are calling on behalf of
“The Mortgage Quote Network”
regarding a recent request for
information about a mortgage quote.

7. Step 2: Live Contact
Confirming Interest
2
LIVE CONTACT
• Our process is designed so that only DoublePositive’s call center
agent contacts the consumer,
borrowers genuinely interested are verifies the consumer’s
information and confirms
transferred: their interest in speaking with
a mortgage specialist.
• Triggers are in place that allow non-
interested borrowers to disengage.
• Non-interested borrowers are rejected.

8. Step 2: Live Contact
Overcoming Mild Objections
2
• Our call center agents are trained to reject borrowers LIVE CONTACT
that are not genuinely interested in receiving a free DoublePositive’s call center
mortgage quote, but they are also trained in overcoming agent contacts the consumer,
certain mild objections that are often encountered:
verifies the consumer’s
information and confirms
• Not Enough Time
their interest in speaking with
Response: “It should only take 3-5 minutes of your time.”
a mortgage specialist.
• My Spouse Made The Request
Response: “Do you make joint decisions? Would you like to take
down the information on behalf of your spouse?”
• I’m Already In The Process Of Refinancing
Response: “Is there any harm in just obtaining a free quote in
order to ensure that you are indeed getting the best deal? There
is no obligation.”
• Can’t Beat My Current Rate / Payment
Response: “Is there any harm in just obtaining a free quote?
There is no obligation.”

9. Step 2: Live Contact
Pre-Qualification of Borrowers
2
• Our DOUBLEconfirm™ process only allows pre-qualified LIVE CONTACT
borrowers to be transferred based on a few critical DoublePositive’s call center
pieces of information: agent contacts the consumer,
verifies the consumer’s
• Screen Out Properties Not Within Your State Criteria
information and confirms
Call Center: “Are you still in Los Angeles, California?”
their interest in speaking with
a mortgage specialist.
• Screen Out Mobile/Manufactured Homes And Mismatched
Loan Types
Call Center: “That property you’re looking to refinance is a single
family home? That’s not a mobile or manufactured home is it?”
• Additional filters are applied based on the borrower’s
lead data as part of the DOUBLEconfirm™ process:
• $100,000 minimum property value
• Borrower’s self-assessed credit (Excellent, Good, Fair, Poor)
• Current LTV filter (optional)

10. Step 2: Live Contact
Consent To Transfer
2
LIVE CONTACT
• At this point we have:
DoublePositive’s call center
agent contacts the consumer,
verifies the consumer’s
1. Made Contact With The Borrower
information and confirms
2. Confirmed The Borrower’s Interest their interest in speaking with
a mortgage specialist.
3. Pre-Qualified the Borrower
• Now the call center agent proposes to
transfer the borrower live:
Call Center: “What I would like to do now is quickly connect
you to one of our mortgage specialists at [Your Company
Name]. They will be able to help you with that free mortgage
quote.”

11. Step 3: Live Transfer
Live Call & Data Transfer Process
3
LIVE TRANSFER
• Call Center Agent Makes Contact With Mortgage The call center agent
Originator transfers the call to a
mortgage specialist, and the
Call Center: “Hello, this is [agent’s name] calling from
sales process continues
the DoublePositive call center. I have John Doe on between the mortgage
the line. His phone number is 410-555-1212.” specialist and consumer.
• Originator Enters Borrower’s
Phone Number Into
DoublePositive Client Extranet
This phone number lookup brings
up the lead information associated
with the borrower.

12. Step 3: Live Transfer
Live Call & Data Transfer Process
3
LIVE TRANSFER
• Call Center Agent Takes Borrower Off Of Hold, The call center agent
Introduces The Two Parties, And Completes the transfers the call to a
mortgage specialist, and the
LIVE Hot Transfer
sales process continues
Call Center: “Hello, John. I have [loan officer’s name] between the mortgage
on the line. He can help you with that free mortgage specialist and consumer.
quote. Go ahead [loan officer’s name].”
• The selling process continues between the loan
officer and the borrower.
• Call center agent disconnects from call
• The entire call is recorded and made available to
clients via the DoublePositive client extranet

13. Conclusion & Summary
• Every DoublePositive transfer passes
through our DOUBLEconfirm™ process,
which delivers the highest probability of
converting because the transfers provide:
• 100% Contact Rate
• Consumers Who Are 100% Interested in
Receiving a Free Mortgage Quote
• Consumers Who Are 100% Pre-Qualified

14. Frequently Asked Questions
• What conversion ratios (from transfers • Are there any special phone or
to findings) are DoublePositive clients Internet technology requirements to
experiencing? receive LIVE Hot Transfers?
Our clients overall conversion rates tend No. All you need is a phone number that
to be directly related to the size of their is dedicated to receiving Hot Transfers
organization and the number of and a standard web browser.
experienced loan officers taking Hot
Transfers. • Can we have the inbound Hot
Transfers routed to a receptionist first,
and then re-directed to a loan officer?
• Is credit pulled on the borrowers prior
Yes, but this is not recommended.
to the transfer?
Getting the borrower off hold and
Out of privacy concerns, we do not collect
speaking with a live loan officer ASAP is
social security numbers. Thus, we do not
a key to the effectiveness of our Hot
pull a borrowers credit. Credit filters are
Transfers program.
based on self-assessed credit.
• Are the conversations between the call
• Are LIVE Hot Transfers exclusive?
center agents and the borrowers
Hot Transfers are exclusive to your
recorded?
organization. The consumers associated
Yes, All conversations between
with the transfers that you receive will not
borrowers and the call center are
be transferred by DoublePositive to any
recorded and are available for your
other sales professional.
review within 24 hours of the transfer.
• What is the minimum initial
commitment? What if I want to cancel?
DoublePositive offers a flexible pricing
model with no minimum order. There are
no long-term contracts or commitments.
Thus, the pressure is on us to keep you
satisfied.

15. DoublePositive Marketing Group, Inc.
The Cascade Building
1030 Hull Street : : Suite 300
Baltimore, MD 21230
www.doublepositive.com
888-DPOSITIVE
CONTACT US NOW TO GET STARTED!