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Company Confidential ©2012 Genworth Financial, Inc. All rights reserved.
Tips and Tricks for Success
Company Confidential ©2012 Genworth Financial, Inc. All rights reserved.
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1
Transactional Relationship
Sales Approach
This strategy is all about short-term solutions. The sales rep is primarily concerned with the promotion and selling of the product.
This strategy is all about building long-term relationships. The sales rep gets to know his/her customer, their needs and their wants. Then and only then does the salesperson even think about trying to make a sale.
Business is All About Building Relationships!
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2
Transactional Relationship
Sales Approach
60%
Borrowers
Prefer
40%
Borrowers
Prefer
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3
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4
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5
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6
Transactional Relationship
Translationship
Sales Approach
(Consumer Wants) (Sales Person Wants)
(One Dimensional) (Multi-Faceted)
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7 Presentation Title Insert Legal Copy
Loan Officer Realtor
Friend
Handyman
Interior Designer
Attorney
Tax Advisor & Financial Planner
Chauffeur
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8 Presentation Title Insert Legal Copy
Marriage Counselor
Baby Sitter Therapist Appraiser
Witch / Warlock Magician Santa Siri
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9
Market Value
Federal Housing Finance Agency - Housing Price Index
http://www.fhfa.gov
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10
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11 Presentation Title Insert Legal Copy
www.freddiemac.com/pmms/pmms30.htm
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12 www.smartermi.com
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13 www.smartermi.com
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14 www.smartermi.com
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15 www.smartermi.com
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16 www.smartermi.com
Knowledge Is Power - Websites Home Values – www.fhfa.gov
Unemployment – www.bls.gov/lau
Rates - www.freddiemac.com/pmms/pmms30.htm
Data & Demographics – www.city-data.com
www.mybestsegments.com
Research and Insight – www.realtor.org/research-and-statistics/housing-statistics
www.census.gov/censusexplorer/censusexplorer.html
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17 www.smartermi.com
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18 www.smartermi.com
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19 www.smartermi.com
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20 www.smartermi.com
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21 www.smartermi.com
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22 www.smartermi.com
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23 www.smartermi.com
Knowledge Is Power - Websites
Credit Reports – www.annualcreditreport.com
Newsletter – www.RobChrisman.com Sign Up at Bottom
Social Media Insight - www.inman.com/inmannext/ (Like on Facebook)
mashable.com/social-media/
Sites You Need to Know – www.zillow.com
www.Trulia.com
Down Payment Assistance - www.downpaymentresource.com
Home Values – www.fhfa.gov
Unemployment – www.bls.gov/lau
Rates - www.freddiemac.com/pmms/pmms30.htm
Data & Demographics – www.city-data.com
www.mybestsegments.com
Research and Insight – www.realtor.org/research-and-statistics/housing-statistics
www.census.gov/censusexplorer/censusexplorer.html
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24 www.smartermi.com
This is a Pay Site and I Have Not Used It
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25 www.smartermi.com
Knowledge Is Power – Websites and Apps
1st Step to Buy a Home
56% Look Online 17% Contact Realtor
92% Searched Internet for Homes
Mobile search
47% iphone
40% ipad
24% android
4% windows based device
QR code 5%
Utilize Responsive Web Design 2013 NAR Profile of Homebuyers
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26 www.smartermi.com
Knowledge Is Power - Apps
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27 www.smartermi.com
Knowledge Is Power - Apps
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28 www.smartermi.com
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29 www.smartermi.com
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30 www.smartermi.com
Knowledge Is Power - Apps
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31 www.smartermi.com
Knowledge Is Power - Apps
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32 www.smartermi.com
Knowledge Is Power – Apps (Not Free)
HYPERText makes
group texting, personal.
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33 www.smartermi.com
Knowledge Is Power – Apps (Not Free)
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34 www.smartermi.com
Knowledge Is Power - Apps
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35 www.smartermi.com
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36 www.smartermi.com
Knowledge Is Power - Apps
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37 www.smartermi.com
Knowledge Is Power - Apps
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38 www.smartermi.com
Knowledge Is Power – Mortgage Insurance
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39 Presentation Title Insert Legal Copy
The Many Hats of Customer Service
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40 Presentation Title Insert Legal Copy
Customer Service
Who Are You?
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41 NMLSConsumerAccess.org
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42 Presentation Title Insert Legal Copy
Customer Service
Who Are You?
Simple Math S = R/E
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43 Presentation Title Insert Legal Copy
Satisfaction = Reality
Expectations
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44 Presentation Title Insert Legal Copy
Customer Service
Who Are You?
Simple Math S = R/E
The Customer Is Always…
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Right Handed Buyers Are…
45 Presentation Title Insert Legal Copy
http://www.blifaloo.com/info/lies_eyes.php
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46 Presentation Title Insert Legal Copy
Customer Service
Who Are You?
Simple Math S = R/E
Not Always Right – But Pays the Check
It’s Not Just a Mortgage
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47 DSIREUSA.org
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48 Presentation Title Insert Legal Copy
Customer Service
Who Are You?
Simple Math S = R/E
Not Always Right – But Pays the Check
It’s Not Just a Mortgage
Communication is King and Queen
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facebook.com/thatMIguy
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Contact Info Steve Richman
870-2519 919
– Please Join Me
LinkedIn: www.linkedin.com/in/steverichman
Facebook: www.facebook.com/ThatMIGuy
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Legal Disclaimer Genworth Mortgage Insurance is happy to provide you with these training materials. While we strive for accuracy, we also know that any discussion of laws and their application to particular facts is subject to individual interpretation, change, and other uncertainties. Our training is not intended as legal advice, and is not a substitute for advice of counsel. You should always check with your own legal advisors for interpretations of legal and compliance principles applicable to your business.
,GENWORTH EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THESE MATERIALS AND THE RELATED TRAINING. IN NO EVENT SHALL GENWORTH BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE TRAINING AND THE MATERIALS.
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