Mortgage Planning Revolution 1 Mortgage Planning 101

Mortgage Planning Revolution 2

3 Delivering the services of a Mortgage Planner will have a MAJOR impact on your career … How hard you get rate shopped It’s going to determine if your clients come back to you to purchase a bigger home. How many REFERRALS your receive from Realtors How many REFERRALS your past clients send to you EVERY month It's going to determine whether or not Financial Planners and CPAs send you an annuity stream of REFERRALS year-after-year. It’s going to affect your CAPTURE RATE.

Mortgage Planning Revolution 4

5 First step to a Mortgage Plan I am not the typical loan officer, I see my role as more of a mortgage planner. Loan officers take loan applications and provide simple good faith estimates. This is part of my process as well; however, many homeowners don’t realize the life changing impact their choice of a home loan can have on investment issues, retirement issues and cash flow issues. So, I also help you analyze the TOTAL COST of your mortgage over time, and I help you make the best financial decision that integrates with your personal financial plan. My goal is to help you select the best mortgage that addresses your short and long-term financial and investment goals First question: With that in mind, help me understand, what’s important about this mortgage to you? MC Best Practice Position yourself as a Mortgage Planner

Mortgage Planning Revolution 6 You must ask Mortgage Planner QUESTIONS  How old do you want to be when your home is paid off or until paying off your home is an option?  Based on your current situation, how old are you going to be? GAP  What percentage of your monthly income are you currently paying towards you mortgage? THINK DIFFERENTLY  What percentage of your monthly income are you currently saving per month? OPEN MIND & CHANGE THE GAME  How old do you want to be when you retire? LISTEN, LEARN & LEVERAGE – CHANGE THE GAME QUESTION  Based on your current savings plan, are you on track? GAP  What is holding you back from saving more? GETTING DEEP Second step to Mortgage Plan

Mortgage Planning Revolution 7 Results for making your advice tangible Average MC User Results

Mortgage Planning Revolution 8 Interest ONLY w/Invest the difference strategy

Mortgage Planning Revolution 9 Mortgage PLAN must track Mortgage Strategy over time 16 Option ARM w/Invest the difference strategy

Mortgage Planning Revolution 10  Interest ONLY and investing the difference is NOT the only way to integrate the mortgage decision into a financial plan  Acceleration Debt Reduction is still alive and MONEY in the BANK Traditional Mortgage w/accelerated debt reduction strategy

Mortgage Planning Revolution 11 Dollarization: The translation of the VALUE into the dollars- and-cents financial impact to your clients Secret weapon of the nation’s most successful and efficient Mortgage Planners – They DOLLARIZE their ADVICE  Without Dollarization, comparison of Price vs. Value is impossible  Without Dollarization, the wealth creating value of selecting the right mortgage strategy isn’t obvious  Without Dollarization, homeowners won’t respect or appreciate the value of your advice

Mortgage Planning Revolution 12 Results for automating your past client marketing Average MC User Results

Mortgage Planning Revolution 13 Mortgages under Management

Mortgage Planning Revolution 14 Results for delivering Equity Management services Average MC User Results  Dollarize the Mortgage Strategy

Mortgage Planning Revolution 15  Demonstrate the wealth creating value of reorganizing your debt structure  Dollarize the wealth growth based on different appreciation rates  Dollarize the VALUE of your ADVICE Equity Management

Mortgage Planning Revolution 16 Breakthrough Increase Referrals Immediately

Mortgage Planning Revolution 17 Real Estate Investment Analysis  Own vs. Rent – Personal Wealth Building plan  No Money Down – Minimum Risk Purchase Plan  Piggy Back Analysis – Creative Financing Strategy Mortgage Planner Services

Mortgage Planning Revolution 18

Mortgage Planning Revolution 19 Key Take-a-ways:  Manage Mortgages by sending out monthly RateWatch Reports  NOT Managing Mortgages will cost you a small fortune  Ask Mortgage Planner questions  NOT asking the right questions will keep you in the commodity price game  Dollarizing the value of your advice  NOT dollarizing advice creates confusion and lack of clarity  Earn Trust and Respect with the combination of Total Cost Selling & integrate the mortgage decision into the overall financial plan of your clients  NOT delivering this combination will cost you a small fortune and possibly a career that is respected

Mortgage Planning Revolution 20 Definitions:  Mortgage Planning is an analytical process of making informed decisions that integrate the mortgage decision into an overall financial plan for a homeowner.  Mortgage Planner is a mortgage professional who is dedicated to helping homeowners make informed mortgage decisions that integrate with their personal financial plan. They don’t push or sell specific mortgage programs or strategies.  Mortgage Program is a specific type of loan program. Examples: a] Interest ONLY, b] 5yr ARM, c] Neg. Amt ARM, d] Traditional 30 year Fixed.  Mortgage Strategy is a specific strategy of integrating a “Mortgage Program” into a financial plan. Examples: a] Interest ONLY and invest the difference, b] Amortized loan and accelerate debt reduction, c] 5yr ARM and accelerate debt for 5 years to build equity, d] 5yr ARM and invest to build down payment to purchase another property.  Mortgage Plan is a professional report designed to help homeowners make informed decisions that integrate with their personal financial plan and dollarize the total mortgage cost over time.  Monthly Mortgage Review is a professional service that helps homeowners to track their current interest rates and mortgage program compared to the current market.  Annual Equity Review is an annual service that helps homeowners make informed decisions regarding whether to restructure their debt and/or equity to optimize their personal financial plan.

Mortgage Planning Revolution 21

Mortgage Planning Revolution 22 Developed by loan officers for loan officers

Mortgage Planning Revolution 23 Mortgage Planner Resource Center TRAINING +KNOWLEGE  26 videos  9 special reports  MP Letters and scripts  MC Exclusive Conference calls

Mortgage Planning Revolution 24 Regular Price Special Price $745