Refinance Leads

Archive for May, 2010

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Thanks to gary bobel for bringing the following blog post

When you are a loan officer, mortgage broker or loan originator, you know that the single best way to keep earning money is to close on deals often. To do that, you need to get in contact with several prospective new clients every day, in order to raise the number of completed deals you make daily. It is a full-time job to be a broker or loan officer, and you likely will not have time for a second full-time job of generating leads. There is a shortcut that makes good financial sense, and that is to buy mortgage leads. Some people have tried to generate leads themselves through telemarketing, but have discovered that buying online mortgage leads is superior to telemarketing for several reasons.

Telemarketing has gotten a bad name because fraud has been committed, against the elderly in particular, by some unscrupulous telemarketers. Some telemarketers have used heavy-handed techniques to get people on the other end of the line to buy what they are offering, or they call potential mortgage prospects at inappropriate times, such as during meals. As a result, people have taken steps to avoid telemarketing calls. There is a “Do Not Call” list, where people can opt out of receiving telemarketing telephone calls at the federal and state levels. Consumers can also simply screen their calls by using an answering machine or caller identification, and not pick up if they are receiving a call from someone they do not know. If you are paying someone to generate leads for you through telemarketing, you are paying for a lot of wasted time and unsuccessful calls.

Purchasing online leads provides a much better alternative to telemarketing. Leads that are generated online are much more readily available. People can access a website anytime of the day or night, everyday of the year, requesting information, and this produces more mortgage leads in the same amount of time that it takes to make phone calls. A lead generation company will offer a contact site where interested individuals can request further information about a particular product, in this case mortgage loan products. You don't have to waste time talking or not talking to people who may or may not want what you have to offer, as is often the case with a hit-or-miss telemarketing approach. Online leads are also prescreened to be interested in what you have to sell, because the potential new client has come to the lead generation company, not the company going to them. They want you to call them back with the information they desire. This also improves your rate of closing on a deal, because the client interest is high. Online leads make for a good return on your investment.

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The Following blog post is brought to you by gary bobel

Generating mortgage leads – that is finding people to talk to that are interested in obtaining a new or refinanced mortgage is an important part of a loan officer or mortgage company's business. Having enough qualified people interested in your products and services is the best way to improve your sales.

Here are some ideas you can use to generate mortgage leads: First, you can buy them. That is an easy way, but certainly not the least expensive.

If you are on a budget, or have more time than money you can generate your own mortgage leads by using some of the skills and knowledge you already have as a loan professional. Loan professionals are usually good talkers, so network with everyone you know and offer a finder's fee for leads that turn into approved mortgages for you. Make it easy by giving each person a few of your business cards and asking them to write their own name on the back before handing them out for you. Call your network every few weeks to see if they need more cards.

Another way to find leads is to contact divorce attorneys and relocation specialists and offer your services to their clients. If you are a trusted professional it will help all the parties concerned to facilitate changes during stressful times.

You can also write articles about housing and mortgages and loans and points. If you put your contact information at the bottom of the article and submit these to article directory sites, over time, more and more people will see your information and some of them will contact you for your services. How many articles would you write if you knew that each one would turn into a sale in a year's time?

One more mortgage lead generator is to buddy up with another real estate professional — such as a listing agent or an appraiser. Each of you agree to send the other business – so that you double your clients without doubling your lead costs. It's a fact. Mortgage leads improve sales. Buy them or generate them, but make sure you have them!

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I love being in business and working out of my home. As a single Mom I actively seek ways to market my business as close to free as I can. In the area of leads that can be quite difficult. Most charge you an absurd amount of money for a list of names and contact information. I have been getting resourceful lately and wanted to share with you the top 5 ways you can obtain leads totally free.

1. Sales Spider-This website is kind of like a network marketing site with a twist. It is a great way to get free leads in just about any field. For an added twist you can earn Google Adsense income by doing nothing more than using their site. When you sign up free with Sales Spider you will see a bunch of tabs that run across the top of your screen. The second tab is LEADS. Click on that and then click on the industry you want. It's that easy. If you want to take advantage of their Google Adsense program just input your Adsense code. Then whenever you do anything on the site it places ads for you. Whenever anyone clicks on those ads you get 50%.

2. Use Your Mail-I get junk mail all the time. Since I am in to some online businesses, I take the addresses off of the mailings I receive and send them a postcard. This costs me nothing to get the leads and only $.20 to mail my postcard. My postcard has my website link on it so all of the people who come in contact with it will see my postcard advertisement. I really enjoy this method and making the most out of my junk mail.

3. Create a Splash Page-One you create a splash page capable of capturing your subscribers information you can advertise it on Traffic Exchanges. This is a very popular method of obtaining leads for free. It is so popular because it works. I use this method all the time and I just love it.

4. Add a Newsletter to Your Blog-Another great way to capture subscriber info is to create a newsletter and capture lead information on a form when a subscriber requests your newsletter. What I like about this is it requires little effort. You set up the page once and then just forget about it. Of course you do have to send out a newsletter.

5. Telemarketers-Create a short conversation that you might be able to use when a telemarketer calls. Instead of letting them pressure you in to buying something turn the tables around. Introduce your product or business to them and then tell them you have some great information you can send their way. Then ask them for their info. If you get 5 telemarketing calls per week, that equals 5 free leads per week for you. That's 260 free leads per year.

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The Following blog post is brought to you by gary bobel

How many catalogs, postcards, sales letters, introductory offers, etc. do you receive around a holiday? Countless, right? Why?
Because smart business owners know that this is one of the best times to introduce their product/service to new customers – and possibly gain them for life. Why?

1. Tis the season: Practically every holliday is a time to give gifts, so consumers are primed to shop. What better time to introduce your product/service than when people are in the mood to buy. There's less “selling” to be done. If customers like what you offer and can afford it, many times your offerings will practically sell themselves.

Capitalize on this predisposition to shopping by being on that flyer, in that catalog, on that postcard that's in their mailbox.

2. Impulse Buying: Most of us have busy lives and holidays are a traditionally hectic time. This leads to many last-minute shoppers, who tend to buy on impulse. With time running out, a list of people to get through and other matters that need attending to, you have a better chance of making a sale.

3. More Competition; More Sales: Believe it or not, your marketing material has a better chance of being seen around holidays than at any other time of year. Why? Because consumers are primed to shop, they are on the lookout for everything from deals, sales and discounts to unique, hard-to-find items that aren't mass produced.

Will your ad be where shoppers can find it

Now that you know why you are more likely to snag new customers around a holiday, how do you go about doing it? Three simple ways:

A) Make it Easy to Purchase: Give customers as many ways to order as possible, eg, via phone, fax, online. Also, accept as many forms of payment as possible (credit card, debit card, cash (if you have a retail outlet), personal check, etc.).

B) Generous Return Policy: Customers want the assurance that if the gift needs to be returned, it can be. With this assurance, many will purchase more – with added confidence.

C) Customer Service: Offer all-around excellent customer service. If you can, offer gift wrapping, expedited shipping, drop shipping to the recipient. Extend as many services as you can to make customers feel that you understand how busy they are and will take care of their needs.

Your goal is not to make a one-time sale, but to gain a lifelong customer. While it may be easier to make a sale around a holiday, the payoff for you as a business owner is to make such an impact that when other special occasions roll around (eg, birthdays, anniversaries, graduations, etc.), customers will remember you – hence become a lifelong customer!

Now, what are you going to do today to get where you want to be tomorrow? Tip: Start preparing NOW for the next holiday (if you haven't, you're practically behind). Beef up inventory, place ads, devise return policies, hire extra staff, etc.

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Mortgage loan professionals are usually able to retrieve mortgage leads from a variety of sources. Furthermore, mortgage professionals are able to purchase a wide range of quality mortgage leads that produce various different outcomes. While much of the outcome depends upon the skill level of any particular mortgage professional, the beginning of a good sale must begin with a good mortgage lead. As the mortgage industry becomes more cut-throat in competition and larger in consumer base, mortgage loan officers have little time to waste with watered down lead lists that are unsuccessful in generating solid leads that will eventually turn into sales revenue. Mortgage loan professionals must have the best mortgage leads available at all times to build a foundational pipeline while being able to close sales on a regular basis. This article will dive into what the best mortgage leads are and how to find them.

For mortgage professionals across the globe, the consideration into what form of market niche they wish to serve is crucial for success. Many choose to focus on subprime mortgages while others prefer to focus on minority markets. The more mainstream mortgage professionals vying for traditional mortgage consumers must have the best mortgage leads possible to remain competitive. For this purpose, the best mortgage leads are semi-exclusive mortgage leads. Most often, exclusive mortgage leads provide the most amount of sales; however, these are often extremely expensive and difficult to find. The next level beneath this form of lead generation is the semi-exclusive lead list. Simply put, semi-exclusive mortgage leads are those that are only sold to a very small percentage of mortgage loan professionals which greatly reduces their competitive edge. Semi-exclusive mortgage leads are much less expensive than exclusive leads while remaining similar to the effectiveness level of exclusive lists. Using semi-exclusive leads are perfect for mortgage loan professionals that wish to not spend a large amount of investment cash while being to use their own selling abilities to close deals.

How to find the best mortgage leads

Semi-exclusive leads are available from a small range of sources. Usually, semi-exclusive leads are not readily available on the internet as they are extremely market-specific. In fact, most semi-exclusive leads are offered through telemarketing firms that allow the unique ability for you to write the questions asked by telemarketers in a collaborative effort with other mortgage professionals purchasing the same list. Overall, with a reduced cost and high impact, semi-exclusive lists are the best mortgage leads.

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Feel taken advantage of as a freelance writer? Feel like you are working harder for less money all the time?

Following are 7 rules for getting the rate you want – and deserve.

1. No bargaining

Would you go into The Gap and ask them, “Would you take $45 for these jeans instead of $60?” No, you wouldn't because they'd probably look at you like you were crazy.

So, why be so quick to haggle with potential clients? You're not just a “freelance writer.” You are a business, just like The Gap. They have overhead like salaries, marketing, rent, etc. to pay for. Well, so do you.

And, you don't have to say this to clients – it's all in how you present yourself and your business. Present a professional image, and the majority of clients won't even dream of asking you to cut your rate.

NOTE: Now, I do believe in giving discounts – eg, for first-time projects, for bulk projects, for continuing projects, etc. This is akin to sales and/or promotional campaigns in a retail store.

2. Target a “Savvy, No Nonsense” Market

And, what I mean by this is, a market that is accustomed to dealing with businesses, not “just a freelancer.”

This is why I like targeting businesses. When they contract a service, they already know what their budget is and if they can afford you. They will usually give you a yes or no very quickly – and won't string you along with “maybes, if you cut your rate, when the next client pays, etc.”

They will deal with you as a business because they recognize the value you bring to their business. This brings me to my third point . . .

3. Quantifiable Results

Offer quantifiable results to clients.

Use hard numbers to illustrate a point. Nothing sells like results a client can see in black and white.

While you can't guarantee results, you can give them realistic examples of how your services can add to their bottom line – which is really all most want.

4. Examples

If you have “before and after” copy of a website you've redone, or an example of a brochure you created from scratch, or results achieved from a case study you did for a previous client – share this.

Don't have any of this? Then, offer to do a sample job – eg, edit a few pages from their website, create a sample, one-page newsletter, etc.

5. Public Relations Magic

Most freelancers don't do this, but it can work better than doing projects for free. What is it?

Get media attention for your business. This can range from a profile by a local newspaper, to being quoted for a story that runs in a national magazine.

Two or three pieces of PR can go a long way toward establishing credibility. Many times, this will be all you need to get your foot in the door. Place whatever press you get in a “Media” or “About Us” section on your website.

6. Image

Another area many freelancers fall short in is presentation, as in company presentation.

The obvious things are a professional-looking web presence (and yes, you must have a web presence as a freelancer); brochures and marketing material.

An area that is hardly ever addressed is your tone when speaking with potential clients. And I don't mean the sound of your voice. I mean the confidence that comes from, “You've reached a well-run, organized, professional business.”

I answer the phone as if I have 500 employees. And, like many large companies, I have a series of questions I go through that conveys that you've reached a professional business, eg:

i) What is the name of your company?

ii) With whom am I speaking?

iii) How did you hear about “us” (Inkwell Editorial)?

iv) May I have a phone number/email for additional follow up where necessary?

Now, you may feel uncomfortable asking all of this upfront – and sometimes clients won't give you all the info (usually, you can at least get a name and company name).

But, this is less important than the impression you will have made. Even if they don't use you, they will recall that you sounded like a real business, not just a freelancer.

Hence, they won't be looking to pay you less than.

NOTE: Try to get in the habit of asking these questions because it helps you to build your database. No matter how brief the contact you had with a client – if they called you, then they are in need of the type of services you offer.

So, by getting this information, you can market to them on a consistent basis – and one day get their business – which leads me to my last point . . .

7. “Big Company” Followup

Not as in a thank you note with the project you turned in, but as in a company newsletter, a well-designed survey, custom thank you cards (eg, with your business name embossed on them).

Another lesson among the many that I've learned as an entrepreneur is that, as small business owners, most of us take the “low-hanging fruit lessons” from big business. So, for example, we know to follow up. But, we don't do it in a professional, “big company-like” manner.

We know to answer the phone without screaming babies in the background, but we don't ask basic questions that signal “you've reached a business that knows what it's doing.”

These are subtle signs that make all the difference in how you will be perceived. And, perception in business – and in life – is everything.

It leads directly to how much value clients will place on your services – hence, how much they will pay you for them.

Want to learn more about how to effectively market your services as a freelance writer? Log onto InkwellEditorial.blogspot.com and follow the “40 Days to a Successful Freelance Writing Career” series.

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The Following Blog Post is from Associated Content and brought to you by gary bobel

Has this ever happened to you?

You buy a list of double opt in leads, a good list. This time you got a good deal. Only $3.00 per lead and they were double opt in long survey leads. As much as it pains you to do it, you push yourself to sit down and start dialing. Dialing for dollars… it's a number's game… sooner or later you're going to hit the jackpot! You psyche yourself out for a good calling session. A couple hours later, that pumped up optimistic feeling is replaced with feelings of hopelessness and devastation. Your bank account is sinking right along with your spirits, and while you're trying to keep up a positive attitude, little sneaky nagging doubts pop up. How long can you continue on this path of failure?

Without a steady stream of leads into your funnel you have no business. Lead brokers know this, and that is what keeps them in business. You either have to learn how to generate your own targeted leads, or pay someone to do it for you. I bolded the word targeted for a reason. Not all leads are created equal. Wherever you get your leads, they are targeted to something. For the most part, “business” leads that you purchase from a broker – double opt in, short form survey, long form survey… it doesn't matter, are opportunity seeker leads.

The professional marketer knows that to market his product or service, he has to identify his target market. Once you identify who is actively looking for your product, you simply give them what they want. It sounds simple doesn't it? And it really is, but it requires us to do something that most people won't. Think. You must develop a strategy and that requires thought.

I don't care where you get your leads from – if you don't have what that particular lead wants or needs, your leads suck. Think about this for just a minute. It's the selling ice cubes to Eskimos principle. It doesn't matter how good you are, you will not sell kitty litter to a dog owner. And you won't turn a dream seeker into a business builder.

Our business attracts two types of people. Dream seekers and business builders. Those who are buying dreams don't want to do what it takes. They have a lottery mindset and they are spending their time and money moving from slot machine to slot machine, hoping that they'll pull that lever on one and hit the jackpot. Of course they never do. So while dream seekers buy dreams, business builders buy businesses. Knowing who you are talking to makes all the difference.

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The Following Blog Post is from Associated Content and brought to you by gary bobel

How many meetings and trainings will you continue go to?

How many people will you sign up and they fall off within 3 months?

Why aren't my members moving or progressing fast enough?

What do you do when you see no progress?

Many times in Direct Sales or Network Marketing it is very easy to get frustrated because you are not seeing the progress that you would like to see. When you feel yourself getting frustrated it is very easy to not be your best because your mind is harboring anger due to lack of progress. You are moving and progressing, but not fast enough for you. You have signed up a few consultants or reps in the last few months, but another rep signs up 17 in one day. At that point you get frustrated, but what good does that do because it will only slow down your momentum. The three keys I have learned to getting motivated in direct sales and network marketing are

Be your best each and everyday!

Don't ever compare yourself to another consultant or representative. You might have been in the business for 3 years and at a certain level and some body else comes in the business and within 7 months has surpassed what you did. As long as you know you are doing your absolute best everyday and giving you all that is all that matters. You are already walking in destiny but it is up to you to catch up to destiny. By being your best you will get to your destiny but trying to be someone else will impede your progress.

Evaluate your progress often!

You must realize what is working for you and what is not working. If you see that you have recruited three people in the last five months you must make a change to expedite your progress or it will take you much longer. You can continue to do the same thing, but you will continue to get the same result if you don't change. The more evaluate what you are doing on a monthly basis will increase your progress month after month while making you stay motivated. Understand small Steps will get you to the top.

Think Your Way Out of It

The greatest asset you have is your mind. With your mind you can achieve anything and as long as your mind is able to think you can think your way out of any situation in direct sales or network marketing. If you don't like something change it. If you can't change it change the way you think about it. Your mind will take you to your destiny as long as you continue to believe.

Frustration is a normal part of direct sales but it should motivate you to where you want to be in the company you are with.

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Apple Product users often find themselves hungry for more technology from their favorite manufacturer. These top products lead the offerings from Apple for good reason. Here's why.

Apple World Travel Adapter Kit Rated Five Stars for A Reason

If you have an Apple Computer or iPod, iPhone or iPad, you're likely to want to have it when you travel. Since electrical circuits differ around the world and you'll need to recharge your batteries, the Apple World Travel Adapter Kit reassures you that you're getting the right current. Users rate this a five star product meaning they use it with ease.

iTunes Gift Cards Help Keep Users Up to Date

Any iPod, iPad, or iPhone user wants to buy recent releases from their favorite artist and iTunes is where to buy them. The iTunes gift cards make it possible for your friends and family to share your interests.

MacBook Leads the Apple Product Laptop Offerings over MacBook Pro and MacBook Air

MacBook leads the sales of personal computer offerings mainly because it is an old classic. The MacBook Pro is the more power packed option, slightly heavier and with more compute speed and memory but the cost increases. The MacBook Air is slow to cut into MacBook sales although most love the lightweight and slim size because this PC is slightly less powerful.

iPod Nano Wins Out Over iPod Classic, and iPod Shuffle Apple Products

If what you want is just music, iPod Nano wins because it is smaller and most users just want to take it on a run or work out where small has its benefits. iPod Shuffle is the souped up version for the music lover that just can't get enough tunes.

iPod Touch is a Step Toward iPhone But Many Believe It is Better than the iPad

iPod Touch is the multimedia Apple product that has more capacity than the other Ipod products for showing videos, text, photographs and music. iPad offers an application that allows users to read print material with ease, your easy to carry reading in one piece. The votes are still out on iPad buyers because it is a recent release. The larger more readable size and easy to use screen keyboard are the premier benefits but Ipad is winning the portability, take it with you on the go battle.

iphone Is One of A Kind Apple Product

If you're going to have a wireless phone from Apple, the iPhone is where it's at, the only downfall is expense.

Users Prefer Airport Extreme Base over Time Capsule 2 TB but Time May Change This Status.

Time Capsule buyers are going for the larger sized 2TB offering. If you're going to store your files on a server, this is the way to go and it supports a wireless network. Airport Extreme Base is the more portable way to take your files with you wherever you go and many users still like this solution, many may opt for either or both.

Apple Magic Mouse Apple Product is a Best Bet

Apple users rate the newer Magic Mouse as top of the line for use and functionality. And the Apple Magic Mouse looks cool and is wireless.

AppleTV For the Lover of Apple Products

Many wonder if Apple TV has enough value in the television realm, but easy to download movies and a fun screen saver option and ease of set up make many believe this is a winning product.

MobileMe Trails the other Apple Product Offerings

Many Apple users found the free offering tool set for downloading Apple media turned into a product for sale for $99 less than a positive experience. It completes the suite of major Apple product offerings and I expect it will grow in popularity.

Many people also love the Apple software product offerings including iLife and iWork and iCare and easy access to digital recording devices. It's clear to see why Apple Products have many fans.

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Writers who use an attention grabbing lead will earn a thousand dollars more a year. Okay, this statement is utterly false, but it did its job to grab your attention, right? While false or exaggerated leads may do the job of getting attention from your readers, they should never be used. One false statement will label the rest of your article or story as unreliable. (Of course fiction is a different story). Try these three other leads that can be effectively used to grab your reader's attention right off the bat.

A Quote: Starting your article or story with a quote can really add to it or sabotage it. Pick a quote that fits nicely in with your topic and article. It is better to start your article with a plain sentence then awkwardly try to make a quote fit. Also, when using a quote as a lead, make sure that it sets the tone for the rest of the article. A quote like, “Girl's just want to have fun” may work for an article on teenager activities. However, using that same quote in a teenager's magazine talking about the increase of substance abuse is not as effective because it comes across too cheerful and light for what should be a serious article. Of course, like with all things, there are exceptions.

Shocking Statement or Statistic: This trick has been taught probably since junior high English classes. Opening your article with a shocking statement or statistic just works time after time. If done correctly, it can provide facts and interest at the same time. Of course, like using a quote, do not force this type of lead in if it will not flow. Also, like my lead above, dishonesty or exaggeration are like a dagger to the rest of your article. Keep your credibility.

A Mighty Metaphor: Another good literary device to use as an effective lead is a metaphor or simile. I think that a metaphor lead can look very unprofessional if done incorrectly. However, if it is done correctly, it will add creativity to the work. An example of this could be, “Her hair sparkled like the moon reflecting the sea. Her skin was silky and her overall appearance doll-like. What kind of monster would murder the beauty of JonBenet Ramsey?” (I know, not a good example, but first one I could think of).

As you sit down to write today, why not try one of the above leads. You may just discover it is the extra pow that is needed to liven up your writing. Not sure if it grabs the reader's attention? All you have to do is read the first line to someone and ask, or read it yourself. If you would flip the page after reading the first line, then what would stop others from doing the same thing?

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