Dear Friend,
If this sounds like you, you’re not alone. We LO's are some of the hardest working group of any industry, yet far too often we misapply the majority of our energies doing the least productive activities.
What I’m about to share with you is THE BIG SECRET behind many of the most successful LO’s in the business. The system that literally opens the doors to endless production channels, frees yourself from rate competition, and defying all logic, will allow you to offer lower interest rates that pay higher YSP. The BIG SECRET IS...
My name is Chris Roehrig, a second generation Loan Officer and government lending expert. I exclusively originate FHA loans. Why?
I Don't Like Competition!
My Time is Worth More Than 1 Point a Deal!
While it's true that you might not be able to use FHA loans every time, you can now make the smaller (and less competitive) loans your most profitable!
With increased competition and fewer borowers refinancing, most loan officers are lucky to grab 1.5% on average deals. That means you would have to consistantly originate loans bigger than $580,000 just to make the same amount. I have a secret for you...there are a lot more $200,000 loans out there than $500,000 ones!
Assuming you've not been living in a bubble over the past few months, you've witnessed first hand the Sub-Prime implosion. Suddenly millions in Sub-Prime loans have almost no options for refinancing! With no Sub-Prime Lenders to go to, many brokers are simply passing on B/C business. The truth is, FHA Loans are the perfect Sub-Prime alternative!
I recently got a loan approved FHA that was turned down by the few remaining sub-prime lenders. The borrower was a 553 mid score going cash out to 90% LTV! The borrower got a 30 year fixed, no-prepay, at an interest rate 3% lower than the competition was offering. Oh yeah...I also made 3 points on the deal...all on the back! Best of all, the co-borrower worked for one of the largest lenders in the country and they couldn't do the loan!
Here are just a few benefits of becoming an FHA Lending Specialist...
Only Government Loans, foremost FHA Loans, allow you to offer rates far superior to your most aggressively priced local competitors. You’ll STOP RATE SHOPPERS DEAD in their tracks and establish a reputation amongst the competition that your rate bids and pipeline clients aren’t worth pitching nor soliciting.
One of the nicest aspects of originating FHA loans is offering the lowest interest rates while earning above average YSP. Remarkably, I would estimate that much of an originators' production is fundable as an FHA Loan. You could Double Your Fees Overnight!
All you need is an Approval and the rate and YSP sticks. There’s no price adjustments for lower credit scores or LTVs...This One’s Awesome! I've gotten borrowers approved with FICO scores in the mid-500's. Best of all, those borrowers get the same rate as a borrower with an 800 FICO!
True mortgage professionals, the movers and shakers in the mortgage game pulling down $20,000 + "NET" per month consistently are achieving these results by working a “by referral” mentality. Being an FHA originator establishes your credibility above and beyond your competition.
Yet another shut-out to the competition. I’d sure hate to be "Joe Shmoe Lender" across the street trying to explain to his seminar attendees why he doesn't offer the low rate, low fee, FHA Loans the other guy “you” do.
Your FHA competency should afford you the opportunity to redirect your current advertising budget to more effective strategies like golfing everyday with one of your referral partners, solidifying those relationships and co-branding with your realtor referees.
No matter how easy I can make FHA loans for you, there will always be LO's that think FHA loans are too tough. That means more pricing power and more closed loans for you!
Rate adjustments such as LTV, Cash-Out, Credit Scores, etc, do not apply to FHA. There's no expanded approval (EA-I, EA-II, EA-III) on FHA Loans either. This means more money in your pocket and no more losing YSP to expanded approvals!
Most loan officers and account executives have little experience with FHA loans and underwriters will not hold your hand. Our borrowers are bombarded with news about loan fraud and unethical business practices. FHA loans are synonomous with safety and integrity and offering these loans to your borrowers will bring you instant credibility!
The bottom line...FHA Loans are simply awesome! I welcome rate shoppers, knowing I'll almost always come in the lowest. Even if my rates are matched by starving competitors, my front end fees will be thousands of dollars less.
Not if you know what you are doing! FHA loans are different than conventional and sub-prime, but not any more difficult once you know the rules. The lie that keeps being perpetuated is that FHA loans are too hard or too complicated, and it couldn't be further from the truth! The problem is most loan officers don't understand the FHA Game!
Like I said before, originating FHA Loans requires a certain knowlege of the process. The problem is that there has never been a really thorough FHA training system and most account executives (surprise, surprise...) have very minimal knowlege about the FHA programs their company offers.
Underwriters expect you to know the bulk of the information and don't have time to train LO's.
Without a proper training system, the only way to understand FHA loans is to spend countless hours reading underwriting guidlines, HUD handbooks, and years of costly errors. Over the past years I've done the reading, made the mistakes, and created the system that's now available. After years of research, originating FHA loans exclusively, and tens of thousands of dollars in mistakes, I've created this comprehensive training system
My business is roughly 95% FHA, but my core niche and most profitable origination activity is refinancing MANUFACTURED HOMES with FHA loans.
You heard me correctly...most of my business is Manufactured Housing. Practically no originators anywhere are even aware that there is financing available for Manufactured Homes. I'm disclosing this niche as well!
If you're looking for a new angle, my system gives you the tools. There are millions of these homes hiding in plain sight!
While Manufactured Homes can be extremely profitable, there are millions of traditional homes that can also be financed with FHA Loans. The FHA Loan Kit is...
It was inspired by countless peers begging me to spill the beans, and hold nothing back. Create an easy to follow manual with supporting materials, a truly complete FHA Funding Guide!
I've written and re-written it, until I felt 100% confident that I didn’t forget even one little piece of important material. If you’re serious about making mortgage origination a career, then you ABSOLUTELTY cannot go one more day without my course!
Everything you need to dominate FHA lending! From taking the app to funding the deal, this system is filled with tips and tricks that only experience can bring. Condensing years of research, trial and error, and origination knowledge, this system is the first truly comprehensive FHA training system! ($500 Value)
An originator's best friend! The FHA Quick Guide is a condensed, no-nonsense resource that summarizes the entire FHA System. Designed for everyday reference, The FHA Quick Guide is arranged so you can quickly find answers to your questions without paging through the entire system! ($75 Value)
This guide alone is worth many times the purchase price. There are millions of manufactured homes in the US and nobody's marketing to them! These homes are hiding in plain sight. Whether you want to pursue them full time or ocassionally, this is a huge opportunity to make serious money! ($425 Value)
Staying organized is the most critical skill a loan officer can have! One missed detail can cost you the deal. I've taken the frustration and headaches out of organization with these chronological checklists. Just follow the list and you're always doing things in the right order. Included free! ($150 Value)
Establish credibility with underwriters from day one! I've put together a sample loan package and disclosures to kick start your FHA Origination. When I began originating FHA Loans, I had no idea what to even send out. This sample pack will ensure you sound like a pro on your very first loan.
By staying organized, you can cut your work time in half! These are the forms and worksheets that I created to make my life easier and are critical to FHA success. I'm including these Absolutley Free! ($150 Value)
I've included EVERYTHING YOU NEED to Guarantee Your Success...
I know without question what an important opportunity this is for you, and how complete, systematic, practical, and fool-proof the materials are.
I'm willing to take ALL THE RISK in your purchase of my course. Get this program TODAY, follow the simple steps, the tips, the money making ideas, and the straight forward systems I've put together for you. If for any reason you feel these guides do not deliver much more than the value you paid for it, then simply let me know within 60 days and I’ll refund your money, No Questions Asked!
I created this system from the ground up for more than simply financial reasons. I personally know what its like to struggle in the mortgage business. I found a better way!
This course explains in layman’s terms everything imaginable about successfully originating FHA loans. Rest assured, these guides practically hold your hand through the entire process from start to finish. So feel comfortable and confident that you'll successfully close deals.
With my 60 Day Risk Free Satisfaction Guarantee, you have nothing to lose and a whole world of profits to gain! By learning and applying these strategies you can have the lifestyle you've always dreamed about.
Important: These e-books come in digital format. Once your payment has cleared, you will be redirected to a secure place on our website where you will be able to instantly download the program. We will replace or repair any defective product within 60 days from the date of purchase. After 60 days all sales are final. Your credit card will display a one time charge by Site 1 Media, LLC.
Honestly, I don't know how long this low price of $177 will last. But for now it's here and available for the taking.
I can guarantee you one thing, the price won't be lower than $177. So ACT NOW and begin originating FHA Loans Today!
Sincerely,
Author and Creator, "The FHA Loan Kit."
support [at] fhaloankit.com
P.S. I know the tendancy is to set my letter aside, to think it over- but then you may forget about it. So I wanted to give you a little extra reason to pick up a copy of this course right now. Mortgage origination is becoming a SURVIVAL GAME OF THE FITTEST. To last in this business you’re going to have to separate yourself from all the others, create your own competitive environment where you’re the only player, and truly offer your clients something above and beyond. FHA lending is that ticket and this course will give you the tools to succeed.
P.P.S. This is THE right time to act. Don’t let this opportunity pass you by. In many cases, provided your company is currently HUD approved which it probably is, you’ll actually be able to pull current conventional loans out of the pipeline, contact your borrowers to let them know you’ll be able to offer them an even lower rate and make more money. How does that sound? Do that on a couple loans right away and not only have you paid for this course, you’ve put an extra $5,000-10,000 in your pocket and have attained a highly skilled niche that’ll advance your career and origination.
P.P.P.S. To make sure you get the best deal and pay the lowest price, you MUST ACT NOW!. This offer is only guaranteed for a limited time, so be sure to lock in Your Special Pricing Today!
P.P.P.P.S Even if you don't have any time this week to dedicate to this package, go ahead and order it now anyway, while the price is this low. You have absolutely nothing to lose with my Risk Free Guarantee, and a world of profits and RESPECT to gain.
Please Note: This is a fully downloadable digital package and NOT a physical CD. You will gain immediate access to this package as soon as your order is approved.
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