High Trust

Presented by

Robert Ratimorszky

Marketing in Mortgages

Objectives More loans Forecast rate and

understand markets Close more sales calls More money in less time Insure business into future

The Enemy Internet and The UnaccountableInternet and The Unaccountable Order TakersOrder Takers LiarsLiars

Current Market•Mortgage Bonds•Nasdaq Effect•The Fed•Freddie Mac Rate

Stocks, Bonds, and Cash

Stocks

Bonds

Cash

LiquidityMedia

FundManagers

Price Vs Yield$1,000 Bond @ 8.00% Note Rate$80 Annual Return

If Sold for $800 ThenYTM = 10%

If Sold for $1600 ThenYTM = 5%

Supply Supply andand

DemandDemand

The No Cost Loan•$200,000 @ 7% = $1,330•7.375% = $1,381 •Payment difference = $51•Closing costs = $2,300 (non-ded) •$2,300 /51 = 45 mos.

Real Calculation should be:$197,700 @ 7.375% = $1,365 Payment difference = $35Net of tax deduction = $23True Breakeven @ 100 months.Use Amortization Table

Trusted Advisor Vs Salesperson

•Money Business

•Market Knowledge and Expertise

Refi With Purpose•Rule of 72•S&P 500 historical performance•Save $200 per month or $30,000•Loan of $275,000 or $225,000•Tax Free Municipal Bond Funds

Financial Planners

•Exchange clients•Learn from each other•Mutual benefit•Win Win Win

Understanding the Business of Money

Gain financial knowledge Increase Respect Increase Trust

Subscribe and Read Money Magazine Kiplinger Magazine Kiplinger Washington

Newsletter and Tax Letter Mortgage Market Guide MPN 619-522-9800

A Mortgage is an integral part of your portfolio

Tax Planning Retirement College Preparation Investing

Know Your Taxes

Do your own 1040Market with Year end Tax Tips•Pay January in December•Avoid Tax distributions•IRA to Roth Section 179 Tax Free Municipal Bonds Always Use After Tax Dollars

IRA and 401k

The Penny Story

Bi-Weekly’s Benefits

Children’s College Education Retirement PMI ARM Protection Additional Income and Sales

Assistants•Applications by phoneApplications by phone•Fee CollectionsFee Collections•After Market SalesAfter Market Sales•Follow UpFollow Up•Phone ManagementPhone Management

•IncomingIncoming•OutgoingOutgoing•ConferenceConference

“Everything that can be invented, has been invented”

Charles H. Deuell, Head of the US Patent OfficeWhile testifying before congress in 1898

Opportunity