Prepared for
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Over the next 12 weeks, I want to help you understand more about the mortgage business plus give you ways to generate more business.

Close More Deals! 

If you have any dead deals in your file on potential buyers who you could not get financed, please give me a call so I can see how many of those deals I can save. I work with many lenders who have mortgage loan programs for almost any buyer, regardless of credit or type of income!

Recently, I have been able to get buyers into homes with nothing down, even with credit scores as low as a 580. I have also been able to get buyers into homes who did not wish to document their income. While I can't get everyone financed, I will take a look at any client who your current mortgage lender would not do.

Don't Commit Mortgage Fraud!

If you have even had a buyer who could not qualify for a mortgage based on going "full doc", and you suggested that he or she go "stated" to state the income that the mortgage company said then needed to make, you have just committed a felony, punishable by jail time.

According to the FBI, any party who knowingly puts false information on a mortgage application in order to get it approved has committed mortgage fraud. This is not a simple misdemeanor, but is a felony, and does get prosecuted.

If the buyer defaults on the mortgage in the first year, the whole loan package will be reviewed, and tax returns will be requested. If there is a difference between what the borrower told the IRS and the mortgage broker, the borrower will be brought in on fraud charges. If the borrower implicates anyone, they will also get charged.

I want to thank you for subscribing to my newsletter. You are going to receive a series of 12 articles, one every week, on topics that can help you build your business and understand more about how the mortgage process works. Here are the articles you will receive from me:

• How to do Your Own First Time Homebuyer Seminars
• Understanding Option ARMs
• How to Improve a Buyer's Credit
• Creative Financing Options
• Down-payment Assistance Program
• The 10 Commandments for Applying for a Mortgage
• Buy vs. Rent Analysis
• 15 Factors that Affect Mortgage Interest Rates
• Understanding the Do Not Call Laws
• How Call Capture Will Get You More Listings
• 5 Groups You Should Contact Monthly
• 10 Reasons Why Prospecting is Like Dating

Each newsletter will also have two other articles of interest, covering either mortgage topics, how to generate more business, or compliance issues. 

You will also get a weekly email from me on the state of the mortgage industry. This email will help you understand where rates are heading and determine the ability for prospective buyers to get financed.

I hope you decide to continue to receive this newsletter. If you know of anyone else who would benefit from it, please let me know! Remember, your email address will never be given out to anyone else.

First Time Home Buyer Presentation

If you are looking to help convert prospects to buyers, consider showing my First Time Home Buyer presentation to your prospective buyers. This is a narrated online presentation that is personalized with your contact information. I also have a PowerPoint version that I can provide you.

This is a 48 slide presentation. You can use it in your office to do seminars, or make copies and give them to your prospective home buyers.  You can see your personalized copy of this presentation at http://OnlineSeminars.us/homebuyer/index.php?id=$sub_id. Once you click on the link, you can either bookmark the page, or copy the link and then include it in your existing website. You can promote this presentation to any prospect list that you may have.

With the PowerPoint presentation, you can make copies and distribute them to your prospects. Your master CD will also contain the free Microsoft PowerPoint viewer, which is needed to watch the presentation.

About My Services

I would like to help you with the task of providing financing to your clients. To do this, I am able to do the following for you:

• Be available when you have an Open House to help greet buyers
• Help explain the various financing options and mortgage programs your buyers have access to
• Pre-qualify any buyer who has not yet talked with a mortgage company
• Determine the largest mortgage for which your buyers qualify
• Resolve any issues on your clients' credit report that can affect their mortgage.
• Obtain a loan commitment from our lenders
• Provide your buyer with a Good Faith Estimate of closing costs
• Determine any seller assist that a prospective buyer may need and qualify for
• Co-ordinate all aspects of settlement including title search, appraisal, and other services

At $company_name, we offer mortgages for most buyers, including ones who are self-employed or who have damaged credit. We have lenders who offer 100% financing meaning no down payment for qualified buyers.

We also offer mortgages with start rates as low as 1%, making it easier to get a buyer into a home.

If you have any questions about how I can help you get financing for your clients' homes, please call me at $company_phone.