National Mortgage Trainer Reveals His Secret Weapon To Make Any New Loan Officer More Knowledgeable Than A

10-Year Pro, In 6 days Or Less.

Being a loan officer or mortgage broker without proper mortgage training is like fighting a bear with both hands tied behind your back.

From: Abby Kamadia
Monday, 8:42 a.m.

Welcome to the mortgage business! So now what do you do?

If you are like me when I first got in the business, you have some knowledge of the mortgage business, are eager to learn, and ready to start making money fast.

And that is wonderful. But there is some bad news you need to be aware of.

When it comes to helping new people get up to speed, the mortgage industry is still in the dark ages.

• There are very few credible training resources available.
• Most new loan officers are given very little directions from their companies as what to do besides "go get loans".
• Most companies don't have a training program or if they do, it is very lacking.
• Experienced loan officers don't want to help new people because they basically see every new person as more competition.
• You have little credibility in front of your customers as a "rookie".
• And making the wrong moves or saying the wrong thing to a prospect could cause you to lose your license or even land you in jail.

This was the same situation I found myself in when I became a Mortgage Broker way back in 1996. And little has changed since then.

I knew that in order to rev up my production as fast as possible I need some good training. And fast. I checked into every training source I could find. What I found was horrible.

Either I could pay over a thousand dollars and sit in a stuffy class for a week or two, or I could pay a few hundred dollars for a book written 15 years ago. These two options are still available to you as well.

But now, there is a third option, a better option. Hold tight, I'll spill the beans in a second.

It took me a while to get to the point where I felt I actually knew what I was doing. Luckily, business was good enough to help me get by. My marketing was able to partly overcome the fact that I did not get proper training.

To grow my company, I started to hire loan officers. But these people weren't producing. I couldn't understand why. They were smart, hard-working, good people. So why couldn't they get any loans?

It so happened that at the same time, I decided to have a training class for my new people. I covered basic concepts like filling out a 1003 and a GFE.

Two days after the class, two of them brought in a loan each. Then another, and another. It was amazing. Could one class really make such a difference?

YES! It was the training.

It gave them the confidence to answer their prospects' questions. They knew what they were talking about and the prospects had no reason to doubt the loan officer's ability.

And so I started doing more training classes. The more we trained these guys, the more loans they brought in! There was a direct correlation.

More Training = More Loans and More Money!

This is good news for you too. Here's why. I put all our training classes into one complete training manual. I got tired of answering the same questions over and over every time we hired a new person. So now we just give them a copy of the manual.

A few years ago, we started selling this manual to the public. And since then, it has been the #1 selling mortgage training manual in the industry. Several thousand new loan officers and mortgage brokers have benefited from it. And it is used in a few real estate schools as well.

I am pretty proud of this book. You see, I am not a writer or a college professor. I am a loan officer who went through a lot of pain in the beginning. And I don't want anyone to have to go through what I went through.

I had gone through the licensing class, but I had to learn how to read a rate sheet on my own.

I had to learn how to get a loan approved by FNMA on my own.

I had to learn all the day to day things a loan officer does, on my own.

By asking zillions of questions, pestering my lender reps everyday, and reading everything I could find, I finally was able to get a handle on the business. Today, I am doing so well that I do not even need to generate leads. They come to me automatically. I have been thinking of retiring, but I am having too much fun helping new loan officers and taking care of my clients.

Don't get me wrong. This is a great business, with lots of potential for everyone. But my personal philosophy is that no one should be limited in this business because of lack of proper training. That's why I made my manual available to everyone. It's called,

Residential Mortgage Loan Origination Made Easy

4th Edition, Completely Updated and Revised!

To Be A Successful Mortgage Originator There Are 3 Things You Must Know

Item 1: Know the laws and guidelines involved in mortgage originating.
Item 2: Know how to take an application, qualify and place a loan.
Item 3: Know how to get the loan closed.

This book teaches you all three items.

Item 1. Chapters 5-8 of the manual cover all the laws impacting your mortgage originations, as well as all FNMA loan guidelines.

Item 2. Chapters 9-13 teach you exactly what to do and what to say to customers from an initial meeting through pre-qualification and through application. This includes a line-by-line explanation of both the Good Faith Estimate and the 1003 Loan Application.

Item 3: Chapters 14-17 help you understand what else is involved to close the loan. From locking the loan, to ordering the appraisal, to sending out verifications, to how long it should all take. Everything is covered.

But how can you be sure that you will know what to do when the time comes?

Good Question.

That's what Section 4 is for. It contains two exercises taken from real life situations for you to complete.

This book with show you:

• How to get your loans approved by FNMA.

  This will allow you to do any FNMA loan.

  And since FNMA loans are 80% of all loans originated today, you will be out of business in a month if you don't learn this.

• Do a full-fledged pre-qualification in less than 5 minutes.

  The #1 time waster of new loan officers are people who want a loan but cannot qualify. By learning how to tell if someone is qualified in less than 5 minutes you can only spend your valuable time on those that can put money in your pocket.
  
  Realtors need to know if a person is qualified as well. They don't want to waste time on non-qualified people either. By offering to do this service for Realtors you can develop some very profitable partnerships.

• Fill out a Good Faith Estimate (GFE) with your eyes closed.

  The GFE is the way borrowers compare loan companies.

  Fill it out properly and you won't get low balled by competitors.

  A complete GFE increases customer trust in you because they can tell you are being honest and thorough.

  Knowing how to read a GFE means you can identify items other companies leave out to make their loan seem cheaper than they really are.

  "Everything Was Explained In Simple Terms" "I am a new broker trying to open my firm. After reading the material in Residential Mortgage Loan Origination Made Easy, I was impressed. It does make things easy. And Now I am already working on my first loan. Everything was explained in simple terms: the step by step process of origination, marketing, and other aspects of this business. Thank You." Sol Hooda, San Antonio TX "Anyone Would Be A Fool Not To At Least Try Your Methods" "Mr Kamadia, I just wanted to thank you personally for your book. I have been looking for this type of information since I started in this business a year ago. Thanks to your book I have the answers I have been looking for. I believe that anyone would be a fool not to at least try your methods. I did and not only has it helped my sales tremendously buy also given me a map or guide to which I want to copy. Thank you for sharing this wealth of information with me and others like me." Ramon Meno, Fairfield CA He Thought I Had Been In The Mortgage Business For Years. "I recently purchased Residential Mortgage Loan Origination Made Easy. What information! After reading the book I had a good grasp about the mortgage business. I was able to talk with a seasoned mortgage broker who felt that I too had been in the business for years, when I had only finished studying your book. He was so impressed he offered me a job as a mortgage originator. I am on my way. Thanks a Million. Rober L Watkins, Fairfield Alabama

• Complete an entire 1003 application and understand it thoroughly - this includes exercises.

  If the application is not filled out properly, your loan can be rejected.

  The 1003 is our industry's order form. If you can't fill it out, you don't make any sales.

• Complete all FNMA requirements for the property and the borrower.

  By knowing the complete loan process, you will be able to explain to customers the different steps and requirements.

  This also allows you to stay on top of processors to make sure they are doing their jobs so that your loans close on time.

• Use the tools you need to succeed in this business.

  You already have most of them, the rest you can get from this manual.

• Understand and interpret rate sheets.

  Know exactly how much you will make on each loan.

  Be able to quote a correct price - too high and you lose em, too low and you leave money on the table.

  Determine the trend of rates and market conditions

• Obey all laws involved to keep you out of jail.

  The mortgage business is a heavily regulated business.

  Ignorance of the law is no defense.

  Stay out of jail, keep your license, and avoid expensive fines and court fees.

• Understand B, C, and D markets.
  

  Be able to offer your services to more prospects. This section of the market is the largest growing segment.
  

  These loan are also the most lucrative for loan officers
  

  Many companies do not do these loans because they do not have the expertise.

  "Wow, I can't believe the stuff I didn't know about until I read a friend's copy of your training manual. I have to get one for myself." Alonzo Santiago, Bolder Colorado

• A review of the widest used mortgage products available today.

  Be a one-stop shop by being able to offer your customers different options
  

  Keep clients happy by placing them in right loan at the right price
  

  Being fluent in mortgage programs brings confidence in you that you can offer anything anyone else can.

  By knowing the good and bad about each loan you will never lose a client to another company offering a different loan. Because you will be able to explain how and why that loan program is not good for them

• Know the most frequently asked questions by borrowers and their answers.

  Have answers ready when a prospect asks you what your rate is? (Hint: don't tell them). No need to hem and haw.

  Having answers ready is the sign of a professional.

   

  Helped Me Decide If This Is What I Want" "I have started reading the book Residential Mortgage Origination Made Easy, I really enjoy the book and the other bonus material that you enclosed with my order. Hopefully everything goes well and I can begin writing loans. Your information is very helpful, and it really helped me decide if this is what I want." Juana Ochoa

• Learn how to Lock a loan

  This will allow you to generate more income per loan from the Yield Spread Premium (YSP).
  

  You will know how to keep customers from going elsewhere when rates go down
  

  You will be looked at be a savior of the customer when rates go up.

  "Your book was very informative and help me build a better base for knowledge in the industry. I would recommend it to anyone starting out. I liked the solid break down of the 1003 explanation and well as the cross reference of the credit report" Michael D Weingart, Lynn Haven FL

• Read a credit report

  Save your customers thousands of dollars by helping them understand and improve their credit for lower rates

  Many customers are ignorant about credit - be their knight in shining armor.

  Be able to put the customers in the proper loan program and get more loans approved.
  

You will also learn:

• Why being a mortgage originator is one of the last professions remaining that you can enter with little out of your pocket and unlimited income potential.
  
  
• What you will need to get started.
  
  
• Who should you work for - lender or broker - strengths and weaknesses of both are discussed.
  
  
• How and what wrong questions asked to a borrower can land you in serious trouble with the law.
  
  
• How the lending system works from the inside out - a thorough explanation of primary and secondary markets.
  
  
• What laws affect mortgage origination and how to abide by them.
  
  
• How appraisals are completed and the methods used.

• How long a mortgage should take to close and how long each step takes.

• Why people use mortgage brokers - and it's not the rate!

• The ins and outs of RESPA, Reg-Z, and ECOA.

The Bottom Line...

Whether you are already in the mortgage business, or looking to get in, the information in this book will convert you into a mortgage origination expert.

If you want to be a real professional mortgage loan originator, this book is for you.

Just check out the table of contents and see for yourself all that's included.

Section 1: So You Want To Be A Mortgage Loan Originator?

Chapter 1 Why Be A Mortgage Loan Originator?
Chapter 2 How To Become a Mortgage Loan Originator
Chapter 3 Lenders vs. Brokers
Chapter 4 Tools Of The Trade

Section 2: An Introduction to Mortgage Lending

Chapter 5 The Lending System
Chapter 6 Various Types of Mortgages
Chapter 7 Overview of FNMA Guidelines
Chapter 8 Federal Laws Affecting Loan Evaluation

Section 3: In the Field

Chapter 9 The Pre-Qualifying Process
Chapter 10 Daily Rate Sheets
Chapter 11 Locking in the Rate
Chapter 12 Good Faith Estimate
Chapter 13 Application Made Simple
Chapter 14 Credit Reports
Chapter 15 Appraisals
Chapter 16 The Loan Time Table
Chapter 17 Most Frequently Asked Questions By Borrowers

Section 4: Let's See What You Got : Originate the loans of two practice borrowers.

Exercise 1
Exercise 2

Appendix 1: Disclosures
Appendix 2: Verifications and Other Forms
Glossary

Up until now we haven't told you how much it is.

Take a look at what is being offered and make a guess as to how much this book is worth to you. It can take years off your learning curve if you are new in the business.

On an average loan, you should make about $2,000. You will definitely get at least one loan from the material in the manual.

If you sat through a seminar that covered all this material it would take at least 3 days. That is how long it takes us to cover all this material when training new brokers. How much is your time worth?

How about the loans you could lose if you don't get this information? One broker earned $9,000 within a few months because of what he learned from this manual.

We could easily charge a few hundred dollars and it would still be a bargain.

1 More loan = $2,000
3 days of seminar = at least $2,000 (seminar plus your time)
Missed loans in a month = Who can tell?

Total value of this package to you - at least $4,000!

Bringing quality Mortgage Training materials to the market is my passion. But I remember how money can be tight in the beginning. And so, even though my accountant, my wife, and my son think I am crazy, I am going to let you have all those years of my life compiled into book form for only $49.

But that's not all.

If you order today you also get the following FREE Bonuses. (While supplies last). These reports were written and printed for a seminar that my company helped conduct for new loan officers. We don't have that many left. So I cannot guarantee their availability. First come first served.

BONUS #1: "Mortgage Broker Marketing On a Shoestring Budget - How to jump start your income as a mortgage broker for less than $200." (Value of $39.95… yours free)

This FREE report details the most powerful methods of marketing known to the mortgage industry. We use all these techniques in our office everyday. And they work. If you are looking for a way to have more leads than you can handle, use just a couple of the methods discussed in this report. It is jam packed with ideas that for under $200 can be implemented today.

We have seen marketing "gurus" charge hundreds of dollars for this same information. We ourselves could charge $39.95 for this report by itself. You get it for FREE along with the manual. We want you to be super successful and we feel that the manual and the report put you head and shoulders above 95% of your competition.

Implementing just one of these methods will bring in enough in commissions to pay for the manual a thousand times.

We left nothing back. We put in everything you need to know. Even if you buy the manual just for this report, it is worth every penny and them some. You'll see.

BONUS #2: "Secrets of the Richest People" (Value $39.95...Yours FREE)

Find out how the rich think. Why are they more successful than everyone else. This FREE report will open your eyes. It helps you identify what you haven't done yet to be rich. It teaches you what you can do to BE rich. This is our motivational Bonus. It puts you in the right frame of mind to go out and implement the strategies we teach on the manual and Bonus #1.

Following our strategies, you will be armed with the information you need to make a lot of money in this business. But if your mind is not ready to handle it, you can sabotage your own efforts. There is a proper way to "think rich". This report shows you how.

BONUS # 3: "How to Influence People and Win Them Over" (Value $39.95...Yours FREE)

This FREE report details exactly what you need to do to attract more clients. The more people like you, the better your chances they will do business with you. So you need to know how to get through their "barriers" and into their good graces.

If you don't have a bubbly personality, and aren't the star of every party you go to, you need this report.

One of the most important things of mortgage marketing is being remembered. This report will show you how to be remembered by everyone you meet.

BONUS # 4: "Case Studies of 5 actual, hard to place loans" Go behind the scenes as we review 5 real loans from application to closing and all the drama and problems in between. See what obstables can come your way when processing your loans, and learn how to react to save your commissions.

You will have problems in getting your loans closed. There is no dount about that. This report will show you how we dealth with 5 real borrowers and their situations. (Value $99...Yours FREE)

This FREE report details exactly what you need to do to attract more clients. The more people like you, the better your chances they will do business with you. So you need to know how to get through their "barriers" and into their good graces.

And for those of you who thought it just couldn't get any better, it does!

To take away any doubt you still might have, I am willing to take away all the risk by offering you ...

It took me several years to get to the point where I was confident with prospects. But just like the loan officers in my office, when I was, my income jumped.

You got into this business to earn money. Do not handicap yourself by not having proper training. Become the professional you know you can be by ordering right now. The sooner you do, the sooner your income with explode, just like mine did.

And don't forget the Free Reports are limited in quantity. Order now to avoid missing out.

Yours in success,
Abby Kamadia
MoneyTree Mortgage

P.S. A six figure income starts with one simple step - Being committed to yourself and ordering this manual.

P.P.S. Still not sure if this manual is for you.