july 2014 page 1

employee newsletter | july 2014

Happy 10-Yr. Anniversary! ........... 2

July Anniversaries ........................... 3

Critical Dates .................................... 3

July Birthdays & Holidays ............. 3

Mortgage Coach Events ................ 4

Golf Tournaments............................ 4

Kudos! ................................................. 5

Community Connections .............. 5

MAG Library ...................................... 5

To Your Health .................................. 6

Think Green ....................................... 6

Employee Submissions .................. 6

inside this issue

no finance fallout with our worry-free snap programHELP YOUR BORROWERS GET AS CLOSE TO A CASH OFFER AS POSSIBLE with a SNAP pre-approval certificate! Many first-time home buyers are being underbid by investor all-cash offers. According to RealtyTrac, “First-time home buyers tend to purchase lower-priced homes, but they’re facing competition for those homes from all-cash investors. Cash purchases accounted for 42.1 percent of all U.S. home sales in December, up from 38.1 percent in November, and up from 18 percent a year prior.” Real Estate investors are bringing all-cash purchases directly to sellers, eliminating the need for a mortgage.

Our SNAP pre-approval process was developed for this very purpose. A SNAP pre-approval that is accompanied by a certificate identifying a pre-approved loan amount removes the unknown from the home loan. This certificate provides an underwriter signature and CHUMS# proving certification of the home buyers credit, income and assets tied to an obtained Automated Underwriting System (AUS) approval.

Lender pre-approval letters are meaningless in today’s residential purchase agreement offers. The purpose behind the SNAP Pre-approval certificate is to help the buyer and Realtor successfully navigate through today’s real estate purchase market and have a seller seriously consider their offer just as they would consider an all cash offer.

Click on the right-hand side link to order a personalized SNAP Program flyer today! Both hard copies and electronic pdf versions are available.

BUT WAIT! There’s more…we are also offering the service of sending an email version of the SNAP Program on your behalf to all of your

Help your borrowers get as close to a cash offeras possible with a SNAP approval from MortgageAdvisory Group. (Loan approvals given prior toborrower finding a property.)

PROGRAM HIGHLIGHTSQQ Mortgage Advisory Group is a direct FNMA/FHLMC/GNMA

Lender

QQ Submit an offer with financing completely approved

by an underwriter

QQ Remove the unknown from the home loan

QQ Help protect home sellers from taking below market offers

QQ We are not subject to others’ overlays —we make the decision

Mortgage Advisory Group is a dba of Suburban Mortgage Company of New Mexico | NMLS 190465 | CL 190465 | Certain restrictions apply and not all applicants will be approved. Models do not reflect racial preference.

425.317.8000 | MAGloans.com

NO FINANCE FALLOUT WITH OUR WORRY-FREE SNAP PROGRAM

Get success with our SNAP program —Contact me today for more details!

agents signed up on MAPP. The email option is also available to order on the link below!

CLICK HERE TO ORDER!

A done-deal occurring five to eight years ago is very different in today’s market. It doesn’t matter how much income the purchaser is capable of earning, the underwriter must confirm income and sustainability in addition to underwriting to program guidelines—sellers would rather take lower cash offers, than offers requiring a mortgage.

july 2014 page 2

MAG CELEBRATED OUR 10 YEAR ANNIVERSARY on June 27th, with games, prizes, gifts and goodies! Every hour a MAG trivia question was emailed, and the first person with the correct answer won a carry-all bag stuffed with prizes! In addition, there was a scavenger hunt at each office.

Lee and Dave

Gina Mott Anne Ramsey

happy 10th anniversary!

Michele Cantrell

Rob Hallum Joanne Gerry

Lisa Britton Erik NoetRob Hallum & Anne Ramsey

Lisa Britton, Kaye Guajardo, Sam Goosman & Tanya Waterman

Jeremy Van Beek

Rich DeBoard

july 2014 page 3

happy anniversary!

happy 10th anniversary!

We are blessed with a winning team of professionals here at Mortgage Advisory Group. We wish to thank the following team members for their years of dedication and enthusiasm, and for being a part of our success. We appreciate you and all you do!

Bonnie Brown Funding Associate, Everett

Scott Holliman Loan Concierge Specialist, Mill Creek

2 Years July 9th

1 Year July 1st

Kevin Everett Branch Sales Manager & M.A., Marysville

7 Years July 16th

Brenda Carter Asst V.P. of Marketing, Marysville

9 Years July 18th

Don Reehoorn Mortgage Advisor, Mill Creek

3 Years July 29th

Lisa Britton V.P. of Operations, Everett

6 Years July 21st

critical dates for funding

july birthdays

• Last day to sign refi’s is July 25th

• Docs to be back in Everett for funding by month end no later than July 29th at 10:30 am

holidays

JERYL TORICK CELEBRATED HER 10 YEAR ANNIVERSARY WITH MAG on June 27th, with a beautiful bouquet of flowers and many good wishes and sincere thanks from Dave and Lee. Jeryl is our Director of WOW, and our greatest cheerleader! Her customer service and dedication to MAG is an inspiration to us all. She brings positive energy and a consistent upbeat attitude into every situation. On behalf of everyone here at MAG, thank you Jeryl, for all you do and for being you!

Ian Williams .............................1st

Brie Sidener ......................... 14th

DeBorah Williams ............. 24th

Jeremy Van Beek ............... 30th

Sept. 1st .......................Labor Day

Nov. 27th ...............Thanksgiving

Nov. 27th ....Thanksgiving Friday

Dec. 25th ............Christmas Day

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mortgage coach calls golf tournaments

Summer Time= Golf and Golf Tournaments! Please call Jeryl at Everett Branch for more in-formation if you are interested in participating or sponsoring a hole—it’s a great way to meet new strategic partners! MA’s are welcome to schedule time to be present at the hole.

Tuesday, July 22, 2014 Windermere Foundation Legion Park Golf Course, 144 West Marine View Drive, Everett. Benefits Housing Hope. 12:00 Shotgun start.

Thursday, August 21, 2014 (Hole sponsored by Sue Hall) Century 21 Easter Seals Tournament, at Cedar Crest Golf Club, 6810 84th St NE, Marysville, WA 98270. Set Up Time: 12:00 pm Shotgun Start: 1:00 pm Scramble format. Come out to support Sue Hall and Easter Seals.

Thursday, September 4, 2014 NWMLS Golf Tournament Harbour Pointe Golf Course, 11817 Harbour Pointe Blvd. Mukilteo, WA 98275. 1:30 pm tee time. $95.00 per golfer (includes greens fees, a power cart, range balls, din-ner, and eligibility for door and tournament prizes). There will be a MAG sponsored hole, staged by Jeryl and a helper.

THESE WEEKLY INTERACTIVE COACHING CALLS WITH MORTGAGE COACH CEO DAVE SAVAGE are a great way to inspire your Tuesday mornings! These calls always deliver actionable insight and value with special guests from within and without the industry.

Tuesday July 15: David Bach and Phil Black: Changing Demographics and Reducing Call Reluctance. Nationally recognized financial advisor David Bach will be sharing ideas and approaches to help mortgage professionals talk confidently about the unique issues women and others face in their day-to-day business. In most families, women make the home and mortgage decisions. If you’re interested in delivering the very best customer service, it’s important that you’re familiar with swiftly changing social demographics and dynamics. David will be joined by former Navy Seal Phil Black, who will address ideas and strategies to improve prospecting and reduce call reluctance, the Navy Seal way.

Tuesday July 22: Sam Hansen and Bill Gaylord: A Site Visit with Top Loan Officers. Sam and Bill are two of San Diego’s top dog loan officers. They join Dave Savage to show you every step of their hugely profitable loan process. Join us for this online site visit that will give you all the templates you need to improve your process. This will be a straightforward call with highly relatable, no-nonsense tips that will have real value to you and your team.

Tuesday July 29: Anthony Iannarino: Adventures in the New Art of Sales & Sales Management.

Do you want to raise your sales game? Are you open to new ideas and new beliefs? What about hav-ing your existing ones challenged or even shattered? Because if the answer is yes to all of the above, you’re going to love this coaching call with Anthony Iannarino. As Managing Director of B2B Sales Coach & Consultancy, Anthony helps sales people and sales orga-nizations fulfill existing potential by challenging them to think and act in powerful new directions. Learn how to go beyond what you know and create real value in a transactional world by truly caring about your customer.

Training Call Every Thursday Thursdays, July 3, 10, 17, 24, 31, 9:00 am Listen up and speak up at our Thursday training call. Our world-class training organization answers live questions from our community of top producers to uncover the best kept secrets of what Mortgage Coach can do for you. There is no such thing as a bad question at our Q & A session. Everyone walks away with new insights to use every time.

CLICK HERE to register now

Friday Introduction to Edge Beginners Session Fridays, July 11, 18, 25, 9:00 am

Every Friday, you can join us to learn how to create a Total Cost Analysis, and learn about help resources available.

July 11—REGISTER NOW

July 18—REGISTER NOW

July 25—REGISTER NOW

july 2014 mortgage coach event calendar

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kudos!

mag library

I would like to send a kudos for Lisa Britton, from Lori Larsh: A HUGE KUDOS to Lisa for always working so hard for us/her team to make us efficient and keeping everything running so smoothly. I am sure that I am not just speaking for myself when I say that she’s amazing!

From Dave Gardner Kudos to Sam Goosman: As I arrived this morning at 5:30 am, Sam was already here busting you know what to insure our success and that of our clients. It occurs to me that Sam is here early every morning I come in to get a head start on the day. She is already knee deep in one file or another. She is the first to arrive each and every day. She is truly amazing and what she does every day to help us “make it happen” is an amazing example to us all. Thank you Sam.

From Dave Gardner Kudos to Deborah Williams: Deborah went over and above to help us with a couple of files that ended up having super tight deadlines. She busted you know what when the clients let it be known they would be out of town the last week before closing. Deborah always brings a strong work ethic to her responsibilities but in this particular case she really went over and above to make it easier on the clients. Thank you Deborah.

From Dave Gardner Kudos to Shawnna Alexander: Shawnna continues to be an incredible resource for this mortgage advisor. The ability to “pick her brain” and take “just a minute” (turns into a lot of minutes) is such an incredible benefit to all of us here at MAG. Shawnna is always willing to listen and offer insight into options and ideas to solutions to problem loan files or files that need a little more than a standard answer. She is great and I particularly feel blessed to have her here.

From Dave Gardner Kudos to Lisa Britton: Thank you for always being there to answer questions and help with a file. You and your team are amazing and I would be lost and my clients would suffer if it were not for you and what you do every single day. Thank you.

From Brenda Carter Kudos to Jeryl Torick: Thank you for always having a smile on your face, a positive word of encouragement and not being afraid to tackle new tasks routinely! You watch out for all of us at MAG and your loyalty and passion for this company has not gone unnoticed! Thank you.

THE MAG CORPORATE OFFICE has a training library on site with resource materials available to help you meet your personal and professional goals. We encour-age you to take advantage of this valuable resource, and invite you to peruse the selection of books, CD’s, games and videos available.

This month’s spotlight is on Anthony Robbins: Ultimate Edge. This three part series contains:

• Inner Strength• Personal Power Classic Edition • “Get the Edge”

Contact the Front Desk in Everett if you wish to check out a book.

The department representative will check out the book in your name and send you a Outlook Calendar meeting reminder for the due date.

• This reminder will contain a copy of the company policy for library items.

• Staff and MAs will be notified before check-out that if they don’t return the borrowed items that they will be billed to replace the item.

community connections

Summer Food Drive: Our Summer Food Drive donations totaled 58 pounds of food and $70.00 of cash donations.

Our donations will be distributed through the local food banks, which serve needy and low-income individuals and families. Kathleen Dale from Volunteers of America said each dollar pays for 3 meals for those in need.

Food Drive j u n e 2-30

• You are responsible to return the borrowed items by the due date. If you would like to continue using the checked-out material, you may request to renew your check out.

• If you do not return your bor-rowed materials by the due date, you will receive an email re-questing you to return the item within 10 business days or you will be charged for the dollar value of the borrowed item.

For a list of titles, go to: https://intranet.magloans.net/Marketing/SitePages/MAG_Library.aspx

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employee submissions

to your health

get energized with a walkTHE BEST WAY TO GAIN MORE ENERGY is to force yourself to get moving, rain or shine! In a few days you’ll start to notice a difference in your energy levels. So tighten your shoelaces for a nice little stroll of about 15-30 minutes every day to get your blood pumping.

Don’t fall into a rut by doing the same thing every day. Here are some ways to add variety to your walking workout.

Add an Incline: Vary your route to include more hills. The change of route will keep you from getting bored, and the hills will increase the intensity of your workout.

KEEP GARDEN CRITTERS AT BAY WITHOUT PESTICIDES. Slugs are slippery little devils, and they dislike the chalky sharpness of ground eggshells. Cutworms don’t like it, either. Sprinkle the crushed eggshells around plants like tomatoes, peppers, broccoli, and cabbage to keep their stems safe and destructive critters away. Make sure you cover the surface of the soil around the entire stem.

Watch for caterpillars as they tend to like to invite themselves to dinner on your broccoli and cabbage leaves. Your plants are goners if caterpillars eat out the growing tips. Before broc-coli and cabbages form heads, sprinkle the leaves with cayenne pepper powder. This should deter the little blighters.

think green

Lori Larsh, Regional Operations Manager, in California with her new Zen garden, a welcome-to-your-new-home gift from her friends at MAG!

Brenda Carter was princess for the day when Marysville celebrated her birthday in style, with a lunch buffet, including salmon grilled by Kevin!

Meet Kevin Everett’s newest grand-baby, Tinley Rae West, and her mother Kalyn.

Marysville office gave a baby shower for MA Assistant Sally Miller.

Change your stride: Experiment with different stride lengths during your workouts. Different stride lengths and speeds will challenge your muscles in different ways so you can keep seeing progress.

Take Your Dog: Fido will ensure you are walking at a good pace. For an average person (and dog), you’re probably in your target speed range when your dog is “trotting” too.

Vary Your Program: The more you change things up, the better your results will be, as you continue to get more fit.