2. Having a successful mortgage business is not just about marketing and generating leads. Your ability to close the loans efficiently and timely can be the difference in getting additional referrals or not

3. Having a clear and precise map of everything that needs to happen to close efficiently takes the guess work out of it. Allows you to excel the client and realtors expectations EVERY TIME

4. What has to happen for every single loan Lead received Application DOC’ s Update CRM DU Processin g Meet conditions Appraisal Clear to Close Post Close

5. Map out a process for the details of each step

6. Lead In (app) Application Welcome Email Disclosure Doc Request Pre- Approval Status Update Submit

7. Map this out even if you don’t do your own Submit to Processor Status Update all Audit File Compliance Check Prep for UW Address any issues Advise any issue Ensure contract received Submit to Underwriting

8. Order Appraisal Order Title HOI status check Status Update Intro to Sellers Agent

9. Review for issues Problem solve for delays Borrower Conditions Lock rate Status Update Compliance check Re-submit

10. Status Update Schedule close with Title Order DOCSStatus Update Call Borrower with date and Tame of close Get closing gift

11. Thank you letters Testimonial request Update status in CRM Needs assessment with non referring agent Email Surveys Add borrower to long term follow up

12. Identify how much time each piece of your process will take in the typical transaction. This will allow you to set the proper expectations with your clients and partners, as well as allowing you to automate some of your follow up

13. Lead received to pre-approval 5 days Pre-Approval to Contract 2 days Approval to Under Wrtiting 2 days Conditions met to Re-submit 2 days Re-Submit to Clear to Close 1 day

14. Combine steps that are similar to limit the number of times you must touch a file Are there steps that someone else can do for you?

15. Create a flow sheet, map, diagram of your steps making sure that each step is shown when it has to happen Include who is responsible for each step and how long that step is expected to take

18. Having a plan mapped out is essential to creating a WOW factor with clients and realtors. Clients get a stress free mortgage experience and are glad to tell their friends family and co-workers Realtors get happy buyers who are glad to tell their friends family and co-workers what a great home buying experience they had

19. Having a plan mapped out means that YOU have an easy to follow plan that happens every time. The plan creates happy clients and realtors and equals more referrals for you. Less time figuring out what to do with each loans equals more time to develop relationships with more partners