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Loan Officer Marketing Tool Kit

Finally, all the forms, letters and marketing tools you need to start generating business right away, at a very affordable price!

Start Generating Business at Minimal Cost

If you are a new loan officer trying to generate business without spending a lot of money, or are an experienced broker looking to generate more business for your office, you will truly appreciate the work that went into creating this package of marketing tools. You may edit any of the Word™ or Publisher™ documents to create your own marketing campaign. You can edit and hand out the client-ready marketing documents and Power Point presentation and use them as your own. Stop re-inventing the wheel and start generating prospects with this complete package. Once you have purchased the Loan Officer 101 program, you will understand how to use this tool kit.

Marketing Tool Kit Contents

Here is a summary of what you will get with this marketing tool kit.

Apartment Post Card
Start going after renters by editing this Microsoft Word postcard template geared to show renters how they are throwing away their hard-earned money. You can see a sample of this post card by clicking here. If you use the techniques taught in Loan Officer 101 to get apartment addresses, you can send out as many of these as you with to the complexes you wish to target.

Buy vs. Rent Power Point Presentation
This 11 slide presentation can be customized with your name, company name, website and phone number. It is a very powerful door opener tool to use with Realtors. This presentation is narrated for you. Simply insert your contact information into the first and last slide, save it as a slide show, call on Realtors and offer to email it or deliver it on CD for them to use. You can see a sample presentation by clicking here. This presentation shows renters how they can create wealth by buying a home.

Borrower's Agreement
This form will make a prospect think twice about doing business with someone else after you have invested your time with him or her. Much like a real estate buyer's agreement, this simple form states that the borrower will owe you whatever you agree to if you price out a mortgage that is equal to or better that what they can find somewhere else. Its a great way to screen out suspects.

Client Letter Package
Here is a complete package of over 60 letters that you can customize and use to cover all phases of your client interaction. For prospects, the Client Letter Package includes a series of letters to prospective clients with interesting home financing information, designed to prompt them to call you for more information or a referral to a business partner in your network, increase your recognition, request referrals, and position you as their trusted advisor.

For clients who are just beginning the loan process with you, the Client Letter Package provides a series of proactive letters that keep your client and their agents informed during the home loan transaction.

To stay in touch after closing, the Client Letter Package includes content packed letters designed to keep you in front of your past clients and seek additional referrals. These letters also cross market many in your network of business partners such as financial planners, CPA's, attorneys, etc. This section includes post closing surveys for feedback after closing and a letter preparing you to send a copy of the HUD 1 to your client in January.

In short, this package is designed to help keep your name in front of your clients throughout the entire mortgage application process, and long after, helping fill your pipeline with valuable referrals.

Company Brochure
If your company does not have a brochure, you can edit the inside and outside of this brochure in Microsoft Publisher (you will get the .pub version), and use it as your own. Use this brochure when you are marketing to Realtors, financial planners, banks, contractors or other referral partners. Send them to your prospects and customers when looking for referrals. You can either print them up as needed on glossy brochure on your ink-jet printer, or have them uploaded directly to Overnight Prints and printed professionally for a very reasonable cost.

Contractor Letter and Pre-Application
Here is a tested letter you can modify and send to contractors, asking them to provide you referrals on their clients who are looking to have major work done on their home. Your letter will show them how you can help them do more business by getting financing for almost any type of homeowner through either a home equity loan or a refinanced mortgage. You also get a pre-application that you can customize using Microsoft Word. This pre-app will give you almost all that you need to fill out a 1003.

Co-op Coupon Letter and Form
Here is a great way to get your offer out to up to 1000 prospects for only the cost of getting copies made. I have a unique program where you will get up to 9 small retailers such as stores, restaurants, hair salons, and other mom & pop shops to come up with a discount coupon. You will combine all 9 offers, along with your mortgage refi proposal, print up 1000 copies and distribute them equally among the 9 merchants to make available to their customers or visitors. You will get a coupon offer template that you can edit with Microsoft Publisher, plus an order form letter. If you use this tool, you can get up to 1000 of your coupons out for as little as $40.

Door Hangers
Hire your teenager or others to hang these door hangers on neighborhood doors. You get a 2-up master copy that you can edit in Microsoft Publisher (sample). There are plenty of sites on the internet that will print these up for you for as little as 2 cents each.

Drip Marketing Articles
I am going to give you the exact sets of email marketing articles I send to all my home buyer and refi prospects. There are 10 refi articles, and 13 home buyer articles. You will get these in HTML format, so you simply cut and paste them into an auto-responder package like the one I use at MyCustomerList.com. Follow the instructions included with the files. Basically, you will be sending out an informative article to your your prospects automatically on intervals that you control. This is what is known as "drip marketing". It is the most effective way to maximize the conversion of your prospects to clients. You can read about this on my e-marketing page.

FSBO Letters
Here are three Word letters that you can customize and either email or mail out to those selling their home on their own. One is a generic letter offering to pre-qualify their buyer prospects. One talks about how they can sell their home in 2 weeks by offering "seller financing" and the third letter shows them the advantages of putting a "No Money Down" sign in their front yard. You can get these signs made using any of the "bandit" sign companies that are all over the internet. This is an excellent way to get your phone number plastered on dozens of yards in your area. FSBOs are an excellent source of new purchase mortgages as they are NOT working with real estate agents. Go get them for yourself.

FSBO Property Listing Sheet
Here is a tool that you can use to get your name and information into the hands of prospective buyers. You get a Word doc version of a property "listing sheet", similar to what the Multiple Listing Service provides. This sheet lets you and the FSBO fill out all the needed information about the property, including owner contact information, property sale price, market value, taxes, insurance, school district, neighborhood, tax ID, assessed value, lot description, number of bedrooms, bathrooms, type of heat, finished basement, family room, garage, square footage, central air, etc..., and financing information, such as any seller assist, interest rate buy-down, and of course, your name, company name and phone number. This sheet will make you look very professional, and will get you in a position to pre-qualify all the FSBO's prospects!

FSBO Prospect Pre-App
Here is a pre-application that you can send out to FSBOs so they can have their interested buyers approved for financing. This one-page mini-application gives you most of what you need to fill out a 1003, and gives you written permission to pull their credit and to make phone calls to them without violating the Do Not Call rules. Simply edit it with your company information, and either print out copies to mail out, or email the file to prospects.

Financial Planner PowerPoint Presentation
Here is a great way to get business from financial planners. I have created a 50-slide Power Point presentation that shows the advantages of borrowing the equity from your home and investing it. The slides cover the following topics:

• Why People Pay off their Mortgage

• What Makes a Quality Investment

• Why Home Equity is a Terrible Investment

• Why You Should not Leave Your Equity in Your Home

• The Tax Advantages of Having a Mortgage

• Retirement Account Fallacies

• Reverse Tax Planning

• Benefits of Investing Your Equity

• Mortgage Basics

• Debt Consolidation & Investing Example

This is a non-narrated presentation, however on most of the slides are the notes that you can use to record your own narration. Or, you can simply edit the title slide with your contact information and distribute copies to financial planners for them to show to their clients. You can save the edited version in the slide show format. To play the presentation without having PowerPoint, simply include the free Microsoft PowerPoint Viewer on your master CDs.

The fully narrated version is included with my First Time Home Buyer Seminar CD. If you use either of these tools, you will have a very powerful marketing tool that will get you business from financial planners. There is nothing else like this out on the market.

Financial Planner Marketing Article and Spreadsheet
This is a unique item developed by Joseph Kamenar. It is a 4 page report that goes over the myth of how home equity grows your portfolio and how a fiscally smart investor will pull that equity out from their home in the form of either a home equity loan or a refinanced mortgage and place it in a conservative investment. The spreadsheet does a 15-year analysis (click here for a sample) based on your inputs for the amount borrowed, closing costs, mortgage interest rate, income tax rate and investment rate of return. It also shows the difference between a borrowed lump-sum investment and simply investing the equivalent after-tax interest-only payments used to pay back the mortgage (hint - it works out to YOUR favor!). The spreadsheet also provides a 15-year graph to visually make the impact. This is great "door opener" if you want to make appointments with financial planners to get their clients' business, and you can't get it anywhere else.

Home Ownership Flyer
Here is a tested flyer in Microsoft Publisher format You can see a sample by clicking here. Simply edit this flyer and use it as your own. Distribute it at Laundromats, apartment complexes or hang them up at post offices and supermarkets.

How to Sell Your Home in Two Weeks
Here is a 9-page Word doc that you can edit and send to FSBOs. It shows them how to prep their home for quick resale, and educates them on how to use Seller Financing to get buyers who feel they can not qualify for traditional financing. The seller financing program is explained in Loan Officer 101. You, as a mortgage specialist, will have the niche lenders listed in my training course to get these buyers financed with a traditional sub-prime mortgage, giving your seller more cash and putting more money in YOUR pocket.

Letter to Banks
Looking to get business from banks? Did you know that not all banks have relationships with lenders for sub-prime or alternate documentation borrowers? Here is a letter that you can customize and send out, along with your company brochure and business card. Or, you can canvass banks and hand out this letter and your brochure in person. It is a great tool that emphasizes the benefits that your company offers to their clients. 

Loan Analyzer Spreadsheet
Here is a handy tool that every loan officer should have on his or her PC. This Excel spreadsheet (view sample) lets you do the following:

This spreadsheet will make it easy to compare different loan scenarios as far as payments and closing costs, for different amortization periods, for teaser rate loans and interest-only payments.

Homes With No Credit Check Program
How would you like to run ads offering to get a person into a home with no credit check or paper trail? You can if you market the program shown at http://NoDocHomes.com. In this package, you will get all the ads, flyers and other tools you need to generate leads. Ideally you will convert some of these prospects to a traditional sub-prime loan, as you will make much more money that way. Remember, in my Niche Lender list in Loan Officer 101, you will learn about a lender that does 100% LTV financing with a credit score down to a 500. The Homes With No Credit Check program will give you a great was to get new prospects for either this program or for your traditional loans.

"Nothing Down" Home Purchase Flyer
Here is a great flyer that you can edit in Microsoft Publisher, print out and hang in supermarkets, post offices, Laundromats, or anywhere else where you can post flyers. It has several "tear-off" strips that people can take to call you. Click here to see a sample of this flyer.

Letter to Realtors
Want to get a Realtor's business? Forget the donuts and coffee, and start offering something of VALUE to them. Here is a letter that you can use that offers to provide their prospects with a weekly newsletter on finance-related topics (you get these 52 articles with your Loan Officer 101 package. All you need to do is set up an account at http://MyCustomerList.com that will let you set up an unlimited number of newsletter accounts for about $18 per month. Each one will be set up for each Realtor who wants to keep in touch with their prospects with no effort on their part.

In the letter, you will also be offering to give a free 1 year home warranty to any buyer that you finance. This will cost you and your broker about $325, but not a bad way to earn fees that can be in excess of $6000 on a $200,000 mortgage. If you are serious about going after Realtors, you MUST use some form of incentives such as what I discuss in order to get their business.

Refinance Flyer
Here is another tear-off flyer that you can edit, print and hang up to go after the refinance market. Click here for a sample.

Telemarketing Script
Here is a script that you can use when you get calls to your office from any ads you run or when you make outbound calls to internet leads. This set of questions will ensure that you don't miss out on anything you need to provide an accurate quote to your prospect. If you use this script, you won't have to keep calling your prospect back to get information that you need to do a rate quote.