Hello, I am here to help!!

[Raymond B]

Hello all, My name is Raymond Bartreau. I am a marketing consultant and the owner of one the most well rounded Mortgage Marketing Firms in the country. I have been in the industry for over 5 years marketing for mortgage professionals nationwide.

I hope you all welcome me with open arms as I am here to help you with my concepts and knowledge of generating fresh prospects. My goal is to offer advice, recommendations, and services that will increase your business in this tough market.

Rest assure I am not a vendor trying to push the golden nugget that will guarantee you business. It is no lie that to survive in today's market you must be proactive to generate prospects and not wait for that next referral (they hardly ever come these days).

I hope my advice and expertise in this industry will help mortgage professionals on LenderTalk.com increase their business.

If you have any questions please fire away and thanks for having me.....:)

[karyllemia]

Hello. Glad to meet you!!!!!

[Matthew-HTDI]

Welcome to this forum Raymond, I guess we'll see you at the convention...

[power broker]

Hello Raymond,

A pleasure meeting you and I look forward to exchanging information with you.

[Raymond B]

Yes Sir I will be here.Not much of a travel for you either bud being in Phx. I lived there for a while in the summers in college. I went to school in FLagstaff NAU. I love AZ and the majority of my family still lives there. I provide leads to a few companies out there still as well. Hope to see you at the convention bud. Try and stay cool man. I know its still hot as heck out there....lol

[Raymond B]

Matt if you get this and your in town for the convention you should stop by our office. i wanted to talk with a rep from your company for a while but im so busy i never get around to it. Maybe we can help each other grow. Its all about helping each other make money.

Let me know.

[Matthew-HTDI]

You are a Lumber Jack? Their poor sports teams never get any respect...So you kind of a local, that's good to hear... Flagstaff is a great little town... Sorry I didn't get this sooner, I usually get the notifications for replys but must have looked over this one. I'm not sure how much time I'll have to go around to any offices out there, however, meeting up at the convention, or after is more likely to happen... Will you be an exhibitor? Remember we'll be booth 911 (should be pretty easy to remember) we'd love to discuss doing business with you!

[Raymond B]

Yeah buddy, Lumber jacks do get disrespected but its not easy to recruit top athletes to a smaller school in the cold.....lol. I'll see you there bud i am not an exhibitor however i will be there networking and helping none the less. We'll stop by and check you guys out. I know i just signed up with Dominic today. Tell him i said hello!!

[Raymond B]

See you guys there tomorrow. I get excited for these conventions! they are networking gold mines. In fact if any of you meet me at teh convention and mention lendertalk i will give you a voucher for 10 free leads!

[semperfi]

Send me a PM or shoot me an email

I have a question for you

jake

[Matthew-HTDI]

Raymond,

It was good seeing you guys at the convention... I was very impressed with your company. Keep up the good work.

[Raymond B]

Thanks bud, you too man. You and Dominic are very down to earth and you have a great thing going there in PHX. I will be sending you all my NV clientel soon and I Cant wait to see the results!!

[semperfi]

After we spoke I had a bunch of good ideas.

PM Me

Jake

[Raymond B]

I got your email and im reviewing the information this weekend. Give me a call middle of next week. thanks.

[Raymond B]

Jake can you reend the information. I cant seem to find it now. thanks.

[Raymond B]

If anyone out there needs any discounts on their December and January Marketing Please send me an email and make sure to tell me your from Lendertalk. With the market in a funk and the holidays coming up we would like to offer the board here some incentives to use us on your next campaign.

You can email me or just call me direct. Thanks!

[Raymond B]

Christmas leads special....if you place an order with me before Thursday the 20th i will add 5 free teleamrekted leads to your order. If you are planning on starting out the new year strong let my TMs call for you!! We will fill your pipeline in a few days of dialing. Here is your incentive to get the ball rolling now. We can set the start day up for when ever you want.

Bottom line is this....I will bring you buyers!!!!!!!!

[Raymond B]

If you would like to learn how to generate your own business through telemarekteing i can teach you how to do that as well. It's a new year guys and gals lets get on the phones and pound away.

If you have any more questions please let me know.

Have a GREAT 2008!!!!

Thanks!

[LOTrainer]

If you would like to learn how to generate your own business through telemarekteing i can teach you how to do that as well. It's a new year guys and gals lets get on the phones and pound away.

If you have any more questions please let me know.

Have a GREAT 2008!!!!

Thanks!

Raymond, it's great to see you spreading the "wealth" of these leads throughout other forums (other than BO). I look forward to hearing from you in here!

[Raymond B]

Thanks for having me. Im hoping i can spread a little marketing motivation on this forum as well. It took alot of hard wrok and long hours of teaching and traing to build that reputation i have on the other site. I plan to help the members of this board as well as it grows.

Thanks again!

[LOTrainer]

Thanks for having me. Im hoping i can spread a little marketing motivation on this forum as well. It took alot of hard wrok and long hours of teaching and traing to build that reputation i have on the other site. I plan to help the members of this board as well as it grows.

Thanks again!

Raymond, you have a great following thus far, and you definitely are an industry professional that I hold in high regard! Keep up the great work!

[Raymond B]

Thanks Andy and congrats on your site. Mayne we can share some of the stuff on each others blogs. Helping others in as many places as possible is what it takes to really reach a big audience. Good to see you on more than one board as well. I try to really get out there as i am on over 150 of these forums simply sharing advice and of course advertising on the ones that will let me. This one is fairly new and no advertising which is OK because the LOs here will actually read the training material instead of looking for free leads form the advertising vendors. These sites that are new and up and coming are my favorite.

[Raymond B]

Every day I get at least 10 emails from LOs and Brokers out there who all ask the very similar question....."raymond, what is working for your clients? What type of marketing (http://premium.brokeroutpost.com/) are you seeing the best results in?" I answer them usually depending on the market in there area. Recently i was asked on one of my consulting threads on implode explode the same question and i was in a typing mood that day. I gave a pretty good response outlining most types of current marketing (http://premium.brokeroutpost.com/) strategies and i wanted to share it with the board here as well. Read the following post. I couldn't get it all in to one.

[berniecmps]

Raymond,
I want to welcome you to this forum. I new as well.

[Fidelity One]

I have seen you around other forums. Glad to see you here. That makes me think this is going to be the next big forum for the mortgage industry, finance industry etc....

[securityonefinancial]

welcome to the site

[Raymond B]

Off the topic of Direct Marketing I have been thinking of alternate ways for LOs to make money while you grind this thing out. You don't even have to change much about what you do EXCEPT WORK A LITTLE HARDER for your potential borrowers and TURN DOWNS!!!

Think about this for a second......We are all taking more applications now than we have in the last couple years but for most it's the qualifying the prospects that is the issue. I talk to so many Loan Officers and Brokers a like that just throw that stuff away.......WHY WOULD YOU DO THAT? Your trash is another man's treasure and actually its a treasure to you but most just don't know it yet.

Here is what I would be doing if I was a full time LO....

Do which ever marketing I like best and then really really WORK THE LEADS! Work the potential Refi to the bone until there is absolutely no deal there. On all the turn down leads we have all got to start helping these people. There are other ways that may require any Loan Officer to get out and network to help the homeowners in other financial ways....

I would try building relationships with other professionals in other lines of finacial services....

First- credit repair companies--I know most of them pay you a commission for the repair job and then they send you the borrower back for the loan after things are fixed. You not only go the extra mile for your client but you also make a little money on the side form the CR company. This helps you help a client that needs it and that gives you the chance to put them in your client base for later as well as earn referrals through them.

Another example would be to learn loan modification. 9 out of 10 applications taken DO NOT qualify for a loan, so in my mind you should try and modify their loan with their current lender and make a small commission for HELPING your client. Again this was a turn down before and it could be turned into revenue and maybe even a future deal and more than likely a referral or two for another modification. (you would not believe how much home owners talk about not being able to refinance with each other) If you go the extra mile on either of these two ways or even debt settlement or something like that you will be helping home owners the same way, FINANCIALLY, and still be making money as well as building your client base for future. Some of these companies are set up differently so finding the right one for you can be difficult. I have done extensive research on this and if you would like information you can email me off the board for the names of the companies I would suggest using.

Sorry to go off on a rant but i see so many people complain about turn downs and lenders not lending to hardly anyone, but really they should be trying to figure out how to try and help these clients out. There is a lot of money to be made rehabbing or modifying loans as well as credit repair and settlement. START DIVERSIFYING IF YOU WANT TO LIVE AS WELL AS YOU MIGHT HAVE IN YEARS PAST IN THE INDUSTRY! Especially considering some of the people you all run into can't even modify because they are too far upside down. Another GREAT way to build Realtor referrals for short sales. You simply can't loose if you build yourself a network of industry professionals to send your turn down and bail out deals to. Net working has never been easier with over 95% of all home owners in need of some sort of financial service. You area already taking the time to talk to them to find out about the refi...if you turn over just half your turn downs you not only cover part of your over head but you also build your clients for later. We know lenders will lend again at some point. he who has the biggest over all client base will be the one who makes the most money when this happens.

I'm in hopes this message gets at least one person motivated again, all the negativity does get overwhelming after a while and there truly is a ton of money to still me made in financial services. Lets get on it!

[Matthew-HTDI]

Raymond,

Good to see you on the .biz again!

I couldn't agree more with you on the credit repair side...

Until brokers sign up for our Revolutionary Broker Program http://www.ConvertTurnDowns.com, they will never know the amount of bad credit clients that could have been loan-worthy after our program.

Aside from that, hows business? Hope things are going well for you guys. We'll have to meet up in Vegas again for the convention!

[Matthew-HTDI]

PS- you missed my 100 post celebration yesterday!

[Raymond B]

What one are you coming up for next?

Raymond,

Good to see you on the .biz again!

I couldn't agree more with you on the credit repair side...

Until brokers sign up for our Revolutionary Broker Program http://www.ConvertTurnDowns.com, they will never know the amount of bad credit clients that could have been loan-worthy after our program.

Aside from that, hows business? Hope things are going well for you guys. We'll have to meet up in Vegas again for the convention!

[Matthew-HTDI]

NAMB in Nov...

[Raymond B]

just a few days away. if anyone is going to NAMB, stop by booth 433 and say hi.

[Raymond B]

As most of you may already know that loan modifications are really starting to become a big way to not only make money but help as many people as possible. The more people we all help and the faster we do it, the faster our housing market should stabilize itself.

I wanted to share my experiences so far with loan modification marketing

After a ton of research and beta testing we found that there are two major databases that are working for this industry...

A) one being the ARMs recasting that are over 100% LTV. Most of the home owners were sub prime to begin with; now that most are upside down due tot he value changes as well as many of them having late(s) in the last year as well due to the nature and life style of the typical sub prime borrower. If you target for TRUE recast date and then go back 45-60 days as well as forward 45-60 days you will have pretty good success. The only thing that makes the difference is the script in which you use.

B) The second database that I would recommend is pre screened credit data from the bureau. With this file you can target by current late(s), loan amount, fico and the recent status of credit card payments. Most Loan Mod specialists will target people that are 30-60 days late currently and this is a very accurate file to get that from. Keep in mind that on both of these databases you will see a little higher disconnected ratio than a standard a paper list. The obvious is that they are not all paying the bills.... some are foreclosing or short selling so phones do get cut off here and there. The good side of these lists is that both databases in this case are extremely accurate after the disconnected ratios.

You can have some good success calling the database and mailing to it can be hit or miss depending on your piece. I prefer letters over post cards unless you’re double mailing the same list. Post cards are more for name recognition but for one time targeted mailings you really want t hit them with a nice letter.

Now there are a few other databases that can work for this if you can find the right source.....the first being aged internet refinance leads anywhere from 1 week to 2 months old can be a good list to target because many of the folks inquiring in the last few months do not qualify for a loan. That makes a good marketing list for loan mods. The other would be the dreaded triggers that are about 7 to 30 days old. Again very good list of people in the market for a loan that probably do not qualify for a refi...again i have seen good success with these but like any database you must WORK IT!

From seeing the results every day I would absolutely say that the ARMs recasting is my favorite to work. Especially if you come from a broker back ground and you are still doing loans as well as mods. You get one list and get loans as well as mods off the same list depending on the client and if you network yourself correctly you should even get some short sales out of it. I mean hey ....these sub prime ARMs are all going to need to do something and the banks are really working wit these borrowers

I have been marketing for loan mods very heavily for about a year now with very good results. If you need any help or have any questions please let me know.