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Attention: Loan Officers, Mortgage Brokers, Mortgage Bankers, Processors And Anyone Else Involved In The Mortgage Industry...
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Click here to see more images of the worksheets and how they can help you make more money... Here on this website, I offer a lot of FREE information for new loan officers and veterans alike. I want you to see--upfront--just some of the value I can offer you in your mortgage business. As you know, information in this industry is hard-to-find, so I'm sure you'll appreciate improving your skills and making more sales! I've always believed in the spirit of giving and that if you help enough other people succeed in life, you will succeed as well. I'm glad to help in any way I can. Read on... I know you may be skeptical...please read this entire welcome letter--including the bonus items--before making a final decision. Invest just two minutes of your time, to see how I can help you be more successful. You won't be disappointed! FROM THE DESK OF ROB LAWRENCE
Dear Fellow Mortgage Professional, I just want to let you know--upfront--that my system isn't for everybody. But, if you give it a try, I am certain it will help you close more loans in less time and make more money, no matter what your level of experience. Make every loan count. Before you read any further, know that I am a real person (my office address and phone number are listed below), and the results my mortgage system can provide you, are equally as real. I don't expect you to believe me or anything I have to say. Why would you? I haven't even had a chance to prove myself yet. Don't just listen to me, try my full mortgage system risk-free...then YOU BE THE JUDGE. You can't lose! Please read this entire website, including the success stories from countless loan officers and mortgage brokers who are currently using my "sink or swim" system to close more loans and earn more money. In today's challenging times, having a proven success system in place is absolutely essential! If you are just starting out, or even considering a career in the mortgage industry, don't make the same mistakes I did. Save yourself hours of pain and frustration by using my step-by-step mortgage worksheets. Jump over the learning curve and start earning a "livable" wage immediately. Whether you are a beginning loan officer, processor, or mortgage broker, my system will help steer you through the loan process from start to finish. If you've ever felt neglected by your manager, mentor, or even company headquarters, get the support you need and empower yourself. With my system, you'll be able to close loans on your own, and NOT have to rely on others for your paycheck. Don't be left hanging! Or, if you're a mortgage "veteran" and have been in the industry a while, use my worksheets to free-up more of your time and streamline your operations. You'll be able to close more loans in less time, without having to "watch" every file. And your processor will thank you! (By the way, if you've ever encountered a tough loan that "never closes", then this system may be exactly what you've been looking for--stop wasting time and get those deals C...L...O...S...E...D!). For branch managers or company owners, stop wasting time training inexperienced, new employees (they love to interrupt you and will ask a million "simple" questions). Give your loan officers and support staff the tools they need to be successful--empower them to take action! Use my mortgage system to automate processes, get more loans to the table faster and earn more money. The Sink or Swim Loan Closing System ® will help you to reduce costs and cut expenses, making every loan you sell that much more profitable! You can increase your bottom-line immediately with very little cost. Close just one loan and the system has paid for itself many times over. And you can keep using it...loan after loan...commission after commission--that's the best part! It's yours to use and profit from forever, and works anywhere you do! Even if you close just 1 extra loan (aside from your current pipeline), you would earn an additional couple thousand dollars a month, maybe more, depending on how you priced-out the loan and how much profit you built into it. Just think about what you could do with that "new-found" money. Read on... Are You Tired Of...
Stop making mistakes and wasting time...don't let this happen again! Do things right the first-time around. The Sink or Swim Loan Closing System ® is exactly what you need to be successful. Read more... Every day, as a mortgage broker, I learn from my mistakes. I'm not perfect and I don't know it all. But, because I learn from every loan, I know that in the future I will close more loans and make more money. Every file closed is a lesson learned, and it is the reason why I invented these mortgage worksheets. Don't waste hours setting an appointment, filling out a 1003 application, collecting documents, running it through DO/LP automated underwriting, etc. and go nowhere! Here's what I do...I simply take out one of my Pre-Qualification worksheets (refinance or purchase), spend some time on the phone with the customer asking specific questions, and within a few minutes I know whether this is a done deal or not. I never even have to meet with the customer if I don't want to! On the initial call, I know for certain if there are any potential pitfalls that could kill the whole deal or if this is a firm go-ahead. If the customer passes my "test"...then I fill out a whole application (over the phone, by the way) and fill out one of my Processing Guideline sheets for my processor, Nancy. Then I hand the file over to her, fully "packaged" up by me, and never look at the file again. She closes the file, and doesn't have to ask me a million simple questions regarding the loan. We have a golden rule in my office, once I hand over a file...my processor HAS TO KEEP IT and is NOT allowed to give it back to me. That way, I can focus my time on bringing in new business and making more money. This helps for steady paychecks and eliminate the ups and downs of the mortgage business. It's a win-win situation. Good rule, eh?! :-) The Sink or Swim Loan Closing System ® is a set of mortgage loan pricing and processing worksheets I developed over many years in the mortgage industry. These sheets cover both types of loans: purchases and refinances; and will work for conforming, non-conforming, jumbo, sub-prime loans, second mortgages, home equity lines of credit (HELOC), FHA loans, VA loans, and commercial properties. They are guaranteed to help you streamline your business and close more loans in less time and make more money. (By the way, my processor, Nancy, was the one who nicknamed my worksheets the "sink or swim system"...over the years, she has helped me evolve my step-by-step method). These sheets work will work for any loan officer, mortgage broker, mortgage banker, originator, or any related job function in the mortgage industry in any company and any state. I have never seen anything like them, and they are not offered anywhere else. Remember, there are only three ways to grow your mortgage business:
Try any one of these methods and you'll see your income increase. But, do all three by using my Sink or Swim Loan Closing System ® and your income will skyrocket! GUARANTEED. Here's Who Will Benefit Most From My System...
All of my worksheets are extremely detailed and leave nothing out. You will not be disappointed. Be sure scroll down and zoom in on the pictures of each sheet to see all the details of my system! You'll see why I have very little fallout on deals, once a customer decides to commit. And Loan Officers And Mortgage Brokers At Some Of The Nation's Top Mortgage Firms Are Actively Using My System...
...And Many More! My System Works For All Types Of Mortgage Lenders, Brokers & Wholesalers! It Also Works For Net Branches And Loan Officers Who Work From Home. It Will Work For You Too! Guaranteed.
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Don't Just Take My Word For It...Hear What Actual Users Of My System Have To Say...Click On The Links Below! :-) Here are some unbiased real-life audio testimonials from some of my current users of my Sink or Swim Loan Closing System. Just click to open in your media player. They are in .wav format and are very interesting. Please Note: If you are using dial-up service, you may want to right-click on your mouse and download the files to your computer first before playing them, to make them play easier. If you have high-speed Internet access such as Broadband/Cable/DSL, simply click to play. Please listen to all the audio clips below to get a sense of exactly what my system can do for you! They are extremely powerful...
The Feedback To My System Has Been Tremendous! I Get Emails Like These All The Time... "I've found them to
be really helpful when talking to a client on the phone, tons of info I
need without fumbling around with questions I might have forgotten to
ask. I've only been using them for a short time, but it has indeed
proved to be well worth the money. Just the savings in time to
make this list is immense and I would never have been as precise as your
questions here." "I have been doing this for four years and I have never seen
forms like yours, great job. This will make me very
efficient." "I just downloaded
the information. WOW! This is very comprehensive and more
than I bargained for. The information is detailed and thanks for
the ability to "own" the forms by making them editable.
No stone has been left unturned. Looking forward to receiving my
first newsletter, that will probably be high quality too!" "I am very impressed
with all the information I have received. I have a feeling if I
put faith into myself and follow your program I will succeed." "I ordered your sink
or swim system and printed it out last night to use today at my
job. Let me tell you that I was amazed how straightforward and
easy to follow they were. I was able to use the prequal forms for
both a purchase and a refinance and wrote my first loan today!!!
An FHA purchase in NY! I'm going to finish getting the refinance
in tomorrow (hopefully). I'm convinced after using your product
for less than 24 hours that this will help me in my career as a loan
officer. I've been in the business only eight months and this is definitely
going to help me reach my goals. Thank you very much. Again,
please subscribe me to your newsletter." "I
am blown away by the value of this product. I am using your system
and recommending it to every loan officer I meet." "This
system is great...I just received my license and I spent many hours at
Barnes & Noble book store looking for books on being a loan
officer. These worksheets were better than any book
published. Mr. Lawrence, you obviously put valuable time and effort into
this. I did my first pre-qual last week and the sheets made it
easy for me to get all the information needed...as stated, my client
chose me because they thought I asked more questions and seemed more
concerned about their refinance. All I did was follow the info on
the worksheets. Man...you
got me wanting to do work on Sundays! Awesome product!!!" "...especially
helpful in teaching inexperienced staff. Great detail! You've broken down all
the individual steps I need my staff to do. We've deleted steps
not appropriate to our market, like those involving attorneys.
It's nice not to hear 'uh-oh' at the pipeline status meetings
anymore!" "I've
been on vacation so I'm just catching up on email. Just wanted to
let you know your sheets have been great and have organized my thought
process. Since I am relatively
new (6 months), it has focused my activity on the questions/answers that
I need to get in order to be productive. Great job and thank you." "Put
your forms to good use today and I love them. I
am new in the business and there have been some hiccups with processing
staff and such. My initial reaction was that they were exactly what I
was
looking for: in depth, thorough and leaves nothing to chance...would
have taken me months, if not years to put together that much experience
in one concise form. Great job! I am very glad I purchased
them." "I
want to thank you for the Sink or Swim Loan Closing System ®. I am a
newbie to the mortgage industry and I found that using your system
allowed me to feel much more professional when I would take a loan
application. The worksheets flow and have all the information to
get going, I know they have saved me time. Before, I might have
forgotten to ask the questions or collect needed documents. Not
anymore! To people wondering if they would benefit from this, I
would tell them to go get it! You have done all the work to make
their jobs easier. Thanks again for the update." "Just
got your forms and am very pleased. A well though-out set of
documents that cover the wide range of loan products we use. We moved a couple of tasks
from loan officer to processor and your system was
very complete. Every time I have made changes in the
past they are most often the result of some painful learning
experience. Benefiting from someone else's experience is
better." "...helped
us to be more efficient and has increased communication between the
L.O.'s and processors. It has been extremely helpful to the new
loan officers we have...I tell them to use it, it will help make you
more money." Here Is A Commissions Report Showing My Biggest Month Ever!
My average fees per loan average $2,200 to $3,400 each. The mortgage worksheets I developed, have helped my processor, Nancy and I to get more loans to the table quicker with less headaches. If you are considering a career change or are new to the mortgage industry, I want to let you know that these types of commissions are available to you too. But it's going to take a bit of hard work, some dedication, and a steep learning curve to overcome. My loan closing system will help you get to "top producer" status in no time. Start earning an above average income almost immediately. For industry veterans, if you aren't already earning this level of commission income, ask yourself..."Why not?". Perhaps my mortgage worksheets could be the perfect answer... click here to see close-ups of all the worksheets.Here Is A Snapshot Of Some Recent Feedback From Past Buyers Who Have Purchased My System Through Ebay. My Ebay Username Is "Vandervere".
Click here to view all of my positive feedback on Ebay. These are unbiased comments from actual users who have purchased my product at auction on Ebay. You can see the proof-positive results for yourself. Without a doubt, my system works and will help you be more successful! |
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Benefits Of The Sink or Swim Loan Closing System ® At A Glance...
Here is a recent printout of a commission report with my biggest month ever...
Special Features Of The Sink or Swim Loan Closing System ® At A Glance...
The core of the Sink or Swim Loan Closing System ® are the: purchase and refinance pre-qualification loan pricing worksheets and the purchase and refinance processing guideline worksheets. The rest of the system (the other worksheets listed below) are components which further streamline the process. The two Pre-Qualification mortgage worksheets (refinance and purchase) enable you to gather very specific and detailed information from the customer, you will need in order to sell and price the loan out accordingly with many different investors and lenders. (This information isn't found on the 1003 or a typical loan application). Anyone who has been in the industry knows that there is a lot of information you must know UPFRONT in order to price a loan out accurately--things such as how much debt they are consolidating, any cash out needed, what are they escrowing in terms of taxed and insurance, property type, how many floors (if condo), etc. I have written down all these determining factors and loan scenarios and have organized it into a pricing system that ends most deal killers upfront. Also, I use my worksheets as a rapport building tool and to stop those one-track-minded "rate-shopper" customers COLD. The sheets have been very helpful to me when trying to uncover exactly what the customer's true "secret" motivations and hot buttons are...exactly why they are doing the transaction. The eight Processing Guideline worksheets (four pages for refinance and four pages for purchase) enable you to package up a loan, hand it over to a processor and never look at the loan file again. It covers all the information that processors need to know to in order process a loan, but isn't known without constantly asking the loan officer--and the loan officer having to remember it!!! (I have a horrible memory, by the way. And with the amount of volume I do, I wouldn't even want to try!) The Processing Guideline sheets answers things like...is the customer escrowing both taxes and insurance, are they willing to bring money to the table, will they be available within the next 30 days in order to close the loan within the rate lock period, etc. These are things that can potentially destroy a deal. My processor and I learned the hard way and every time we hit a bump in the road, we wrote it down--vowing never to let it happen again! Learn the hard way, or learn from our mistakes. The processor can even use the forms as the loan file progresses up to the closing table. There's room to track the status of appraisal, title, and subordination liens. Critical dates are highlighted too, so you always know what needs to be done when and are always in control of the loan file. Besides the two loan Pre-Qualification worksheets, and the eight loan Processing Guideline worksheets, the other sheets included in the system are:
Also, you get...definitions of all acronyms used on the worksheets, full instructions on how to use the system, and examples of the sheets filled out. Everything you need to be successful is included. We all know, that there are many things that need to take place in order to close a loan successfully. Some steps need to happen BEFORE other steps. While there are steps that can happen concurrently with each other. My system organizes what needs to get done and when, in a straightforward step-by-step manner, putting steps that take a long time to complete ahead of shorter-term steps that can be completed while the longer-term steps are underway. This way, the loan process is significantly accelerated, you can close loans quicker and make more money sooner. I've also organized things to minimize the amount of upfront, out-of-pocket money, that will be spent on a customer. (For example, we do not order title work on a property, UNTIL the signed loan documentation is received back from the customer and the loan is a definite go-ahead). Customers must always pay for their appraisal and credit reports upfront and with a credit card. Why spend money on a worthless customer that will never make it to the closing table? Customers shouldn't cost you money to stay in business!!! My processor, Nancy, once joked that closing a loan was like landing a plane--you've got to steer, adjust and navigate a hundred different things in order to make it to the table. One single mistake could cost you big time! She's right! Here is a brief list of things which could hold-up your commission or even potentially kill the whole deal. Nancy and I always make sure we check these (and my loan closing system helps us to remember to do each and every one!):
Do you remember to do these things on every loan? There is simply too much to remember. Don't leave your commission to chance. Use my system and you won't forget. We all know that every loan situation is unique and many types of problems can arise on the journey from first contact with the customer up until the closing table. Tell the customer the wrong thing, misquote a rate, or forget to do one of the necessary loan processing steps and you risk losing your $2,000 to $3,000 in commission or even higher (if you are a super-salesperson). This used to happen to me, I lost money and had angry customers breathing down my neck (but I chock that up to experience and learning). Every loan closed has been a lesson learned. It hurts when deals fall through, especially after wasting all this time and effort on something that doesn't pan out. There's nothing worse than having to backtrack and tell a borrower that you goofed up and can't do the deal. I absolutely hate that feeling! And that's one of the reasons why I developed these worksheets. Don't let this happen again! You know as well as I do that a customer could "shop" you at any minute for a lower rate. That's why it's important to get them in and out quickly, BEFORE they change their mind. Some customers think nothing of walking right before closing, because they think they got a better deal elsewhere. And that's after wasting hours of your time, leading you on, and tying up outside third parties such as appraisers, lawyers, title people, etc. Not to mention ruining your reputation! It's horrible! Just think of all the money lost and deals you could have saved if you had just gotten that last loan through quicker. Using my system will save you hours of aggravation, make you more money and put an end to most rate-shoppers. My method, streamlines the entire mortgage loan process and my worksheets guide you step-by-step and tell you exactly what you need to do to get the deal closed. Produce more volume and you will make more money. (From using my system, Nancy and I have closed loans in under two weeks--start to finish! She's great and the biggest asset I have. I am extremely lucky to have her). The Sink or Swim Loan Closing System actually contains many marketing components within it, so you can up-sell and generate referrals from your customers at every step throughout the loan process. Yes. There are other so-called "mortgage systems" being sold on the Internet, but you'll notice that these are actually just marketing systems--NOT loan closing and processing systems. And their cost is usually several thousand dollars. My system is a fraction of the price and actually helps you get the deal done. Remember, the best marketing "system" in the world is useless if the loan never makes it to the closing table. Get all the prospects you want, but if you can't sell and close them effectively...you've earned nothing. Use my system and you will definitely close more loans and make more money. By the way, if you are new to the industry or considering a career change, my mortgage worksheets can even help you get a job in this lucrative field. My system includes specific information on how to get started in your new career as a loan officer. Imagine approaching a company with a proven success system in hand. You will be able to hit the ground running and become a top producer in no time. (Of course, your determination and individual results may vary, but think of all the headaches you will be able to avoid!). Believe me...over the years, I have made my fair share of mistakes and lost good deals that should have gone through. Jump over the learning curve and learn from my experience. As part of the system, I've included some specific information on how to get started in the industry and find a mortgage job. Here's What You Get When You Order My Sink or Swim Loan Closing System ® ...
Purchase Pre-Qual Worksheet
Purchase Processing Guideline Worksheet Purchase
Processing Guideline Worksheet
Purchase Processing Guideline
Worksheet
Purchase Processing Guideline
Worksheet
Refinance Pre-Qual Worksheet
Refinance Processing Guideline Worksheet
Refinance Processing Guideline
Worksheet
Refinance Processing Guideline
Worksheet
Refinance Processing Guideline
Worksheet
Title Order Sheet
Title Order Sheet
Call Log Sheet
List of Docs Needed from Customer
Sheet List of Docs
Needed from Customer Sheet
Fax Cover Sheet
Underwriter Cover Sheet
GFE "Sample" Text for Customer
Appraisal Order Sheet
Appraisal Has Been Ordered Sheet
Also included as part of the Sink or Swim Loan Closing System ® are my electronic version of three mandatory HUD and Federal Reserve disclosure booklets which must be given to the consumer on every loan. Save hundreds of dollars per year...eliminate the hassle, expense, and cost of printing and production! These three loan disclosure booklets are included FREE as part of my system:
HUD "Buying Your Home" Disclosure (PDF) Consumer ARM Disclosure (PDF) Home Equity Disclosure (PDF) All three files have been compressed down to a manageable size in Adobe Acrobat PDF format suitable for email, so you can even send them directly to a customer! (Most customers just throw the books away anyway, so why waste the money?). Here's what I do...I simply attach these booklets to my email and click send. That's all there is to it! Fully disclosed in under 3 seconds and NO PRINTING EXPENSE! One famous website, taxforms.com sells the printed version of these books as follows: "Buying Your Home" = 100 printed copies for $47, "Adjustable Rate Mortgage" = 100 printed copies for $71, "When Your Home is on the Line" = 100 printed copies for $66. Combined this is $174 for the same exact booklets! For a fraction of the cost, you can have an unlimited supply ready and available for customers. With the money you'll save on printing alone from these booklets, it's like getting the whole rest of my Sink or Swim Loan Closing System ® for FREE. Also, with the Sink or Swim Loan Closing System ® you get...
Remember, all components of the system are modifiable and can be adapted to suit the needs of your business. Save hours of time, by not having to "re-create" the sheets. The system is available immediately in an editable Microsoft Word format in a zip file. For A Limited Time, If You Order Before The Deadline, I Am Offering The Following FREE Bonuses With My System...These Are Exclusive To Us And Aren't Available Anywhere Else!
I've been using my worksheets for years, and so have hundreds of other loan officers. Follow the system exactly as shown and you will succeed. There's no doubt! I can make this strong guarantee because I know my system works. Hundreds of other loan officers agree...they've been successful, so can you! Give my system a full try...then you be the judge. There's no risk or obligation! For your and my protection, I use a secure third party processor, PayPal.com, for credit card and online check orders. Part of their policy of protecting customers is issuing no-hassle refunds. With PayPal, your purchase is secure and bears the BBB reliability seal. Purchase with confidence and security. Sell and close just one deal and this system has more than paid for itself. Earn hundreds of times the cost of your investment. Think about how much more income you would earn if you closed just 1 or 2 extra loans per month (in addition to your current pipeline). That's found money. And, if you follow my system exactly, you should be able to close much more than this.
Order Now...And Close More Loans
In Less Time And Make More Money.
Guaranteed. Stop Wasting Time On Deals That Don't Close. Special Offer For New Customers Only: Download The Electronic Version For Less...
******* Limited-Time Offer: $127.00 *******
Invest in your mortgage business, and close more loans in less time and make more money. Order today and gain instant access to download the ENTIRE Sink or Swim Loan Closing System ® at a significant discount. All files are exactly the same and everything you see here is included! This offer is available for a limited-time and will expire. Click the order button below and get instant access...we will email you back a link where you can download the full system.
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Use
my mortgage system and
give it a full and honest try, over the course of your next few loans.
If, after exploring all the possibilities, it hasn't helped you close more
loans and earn more money, simply return it within 30 days . I will
refund your money in full. No questions asked. (Just show proof
that you actually tried my system and explain why it didn't work. Due
to the nature of the product, however, you must actually give it a try and
allow some time for the full system to be implemented into your sales
pipeline. Simply ordering the system, then returning it the next
day doesn't count. Fair enough? I want to help you, but
you have to give it a full and honest try).