Latest / Mortgage Marketing Radio / Ep. 128 - The Truth About How to Build Your Mortgage Business
Transcript
- 0:00In today's highly competitive mortgage industry, building profitable relationships with
- 0:04real estate agents is essential for success.
- 0:06However, finding effective ways to secure agent relationships can be a challenge.
- 0:11With so many mortgage loan originators vying for the attention of real estate agents,
- 0:15it can be difficult to stand out and establish meaningful connections.
- 0:20Our new case study featuring loan officer Chris Coghill is a must-read.
- 0:25This has closed a remarkable 36 million in funded loans from agent referrals.
- 0:31And in this case study, he shares his proven strategies for building strong relationships
- 0:35with real estate agents and leveraging those relationships to drive more business.
- 0:39To get your hands on this resource, head over to LOKestudy.com and download your free copy
- 0:45of the case study today.
- 0:47You'll find actionable insights and practical tips that Chris used to close 36 million
- 0:52in funded loans from agent referrals and how you can, too.
- 0:56Don't miss out.
- 0:57Go check it out right now, visit LOKestudy.com and download your free copy today.
- 1:17Welcome to Mortgage Marketing Radio.
- 1:19And brought to you by the Mortgage Marketing Institute, your number one source for truth
- 1:24in Mortgage Marketing.
- 1:32Hey there, it's Jeff Zimper.
- 1:33Welcome to this episode of the Mortgage Marketing Radio Podcast.
- 1:36Thank you for tuning in.
- 1:38So glad, as always, that you're here, whether you're a long time listener or first time visitor,
- 1:43I appreciate you 100%.
- 1:47I do this for you.
- 1:48What I'm trying to bring you is truth in Mortgage Marketing.
- 1:51You may know that from my tagline.
- 1:53If you've listened to that intro long enough, enough times, hopefully that's sinking in
- 1:57by now.
- 1:58And so today's episode is no different, truth in Mortgage Marketing.
- 2:01Well, it is a little bit different in that over the past, right?
- 2:05What I'm trying to do is throw in some different content for you guys.
- 2:08Yes, I'll continue to bring you expert interviews with thought leaders and top producers and
- 2:13people that can radically impact your thinking, your strategy, your process and systems for
- 2:19growing your business or personal development and always going to try and focus on tactical
- 2:25things that help move the needle for you.
- 2:28With that in mind, truth in marketing, tactical systems that move the needle for you, today,
- 2:33the podcast is me.
- 2:35I went live on Facebook the other day and kind of testing out a new format or a new show,
- 2:42if you will, truth talk Tuesdays is what it's called right now is what I'm trying to
- 2:46bring to you is truth because let's face it, there's a lot of hype out there, there's
- 2:49a lot of noise, there's a lot of stuff, a lot of distractions, vying for your attention.
- 2:55And one of the things that I've benefited from and hopefully you as well, enlisting to
- 3:00this podcast and interviewing so many different top producers, 120 plus people, is that you
- 3:07start to see consistent themes and patterns for what's really working in the market today.
- 3:12And so I wanted to bring to you the replay of the truth talk Tuesday that I went live
- 3:18on Facebook with so that you can get my take on what's really working in today's market
- 3:23and talking through some of the different options you have for building your business.
- 3:28So I go through that, some of the various ways to grow your business.
- 3:31But I come back to the one thing that's front and center for me, which is of all the top
- 3:36producers I've interviewed right over the years, always consistently a part, a significant
- 3:41part of their business is productive referral relationships with real estate agents in their
- 3:46local market always consistently.
- 3:49And I wanted to impact that a little bit and I wanted to talk about systems and kind
- 3:53of, you know, deal with the narrative that some people in this industry have in that,
- 3:58you know, agents suck or they're difficult to work with or, you know, I'm tired of agents
- 4:03or whatever.
- 4:04And I wanted to propose to you some ideas, some different ways of thinking and then
- 4:07present to you a system, a possible solution for you with some actual tangible loan
- 4:14officers getting real results, getting real fast results, whether they're new in the business
- 4:19or well experienced.
- 4:20I just wanted to bring this to you as another way to hopefully add value to you as a listener.
- 4:27So as always, welcome to get your feedback, jump into the community over on Facebook.
- 4:31We've got our podcast community page over there at Morgan's Marketing Radio.
- 4:35You can find us on Facebook.
- 4:36It's a private group.
- 4:37Just hit me up there, ask for admission into the group and we'll let's carry the conversation
- 4:42forward there.
- 4:44But without further ado, let's get into this special episode called Truth Talk Tuesday or
- 4:51is it Tuesday, Truth Talk?
- 4:52Yeah.
- 4:53Tuesday, Truth Talk.
- 4:54All right, appreciate you and let's get into this week's show.
- 4:58Yo, yo, yo, yo, what is up, people?
- 5:02What is up, Jeff Zimper here, Morgan's Marketing Radio.
- 5:05We are going live Tuesday, Truth Talk.
- 5:08Can you hear me?
- 5:09Can you hear me?
- 5:10My comments are loud and clear.
- 5:11Check, check.
- 5:12Tuesday, Truth Talk.
- 5:13Are you ready?
- 5:14You can't handle the truth.
- 5:15Turn up the volume.
- 5:16Turn up the volume.
- 5:17Listen in.
- 5:18Tune in right now.
- 5:19This is for you.
- 5:22What is up, people?
- 5:23Tuesday, Truth Talk.
- 5:24Coming at you.
- 5:25Let's get started.
- 5:26All right, so time for some Truth Talk.
- 5:29If you're here, leave a comment.
- 5:30Give me a shout out.
- 5:31Let me know whether you're watching Record or Replay.
- 5:34Let me know you've tuned in.
- 5:35If it's Replay, Hashtag, Replay, you got a comment question.
- 5:39Let's talk it up.
- 5:40Let's get to start here.
- 5:41Truth Talk.
- 5:42All right, listen, there's lots of ways to build your mortgage business, right?
- 5:46Let's face it.
- 5:47And let me go quickly, give you a go through some of the most common ways, okay?
- 5:51So lots of ways to build your mortgage business.
- 5:54I'm going to come at you with you.
- 5:55I've been thinking about this for some time, and I want to start talking about Truth, Truth
- 5:59and Mortgage Marketing.
- 6:00That's what my tagline is for the podcast at Mortgage Marketing Radio.
- 6:03I'm bringing the Truth to you this Tuesday here, so let's rock and roll.
- 6:07Let's get started, okay?
- 6:09Lots of ways to build your mortgage business, right?
- 6:10You can work your past client database.
- 6:12You can buy leads, run ads, produce content on social media, get in with a builder, work
- 6:18divorce attorneys, financial planners.
- 6:20We all know that as an option.
- 6:22And of course, you can work with your local real estate agents.
- 6:27That's always an option as well.
- 6:30So the question is, do they all work?
- 6:32Yeah, they all work at varying levels of speed and success, right?
- 6:38Here's the thing.
- 6:39Here's the truth.
- 6:40Most people pitching, running online ads as the Holy Grail, they're trying to sell you
- 6:45the easy button, okay?
- 6:48If you're going to buy leads, here's what you need to know up front.
- 6:52Know that the conversion rate is anywhere from a half a percent to 3 percent max.
- 6:58Most online leads aren't ready to buy for, right, on average, six months.
- 7:04So you better have your lead response systems on point.
- 7:09Does this make sense?
- 7:11Furthermore, you need certain things in place to succeed with online leads.
- 7:16You need the right mindset, right?
- 7:19You need to have a lead response flow and policy in place.
- 7:24So know that going in with leads, right?
- 7:27You can produce online content like videos, right?
- 7:29And should you produce online content 100 percent, build your personal brand to attract
- 7:33organic leads on social media?
- 7:35Absolutely.
- 7:36You should be doing your own content, doing videos, producing content, right?
- 7:41Most of the big builder accounts, the corporate ones, right, they already got their corporate
- 7:44go-to lender.
- 7:45What's up, Mike Barrios, okay?
- 7:48Divorce attorneys, financial planners, those can be good sources of business too.
- 7:51You already know that.
- 7:53You already know that.
- 7:54Why aren't you pursuing it?
- 7:55Part of the challenge with divorce attorneys and financial planners is they can be hard
- 7:58to break into if you don't have the right approach and you aren't prepared to demonstrate
- 8:03tangible value as a fiscally literate mortgage advisor, which brings us to, once again, full
- 8:12circle, building referral partners' ships with local real estate agents.
- 8:17Now look, I get it, right?
- 8:19It's easy to make real estate agents the enemy.
- 8:23Why?
- 8:24Well, let's just face it, there's about a million or so agents in the country and you could
- 8:28probably toss out well over 50 percent of them, right?
- 8:33So that shrinks the pull down, but here's the truth, right?
- 8:35This is Tuesday truth talk, right?
- 8:38Here's the truth.
- 8:39I've interviewed over 120 of the country's top mortgage originators and every single one
- 8:44of them without fail has agent referrals as a significant portion of their business plan.
- 8:54And a significant portion of the closed loan volumes that they close year after year after
- 8:59year comes from the referral relationships they've built with real estate agents.
- 9:04So while selling the easy button of online leads is sexy and attractive, what's still
- 9:10working today for top producing originators is productive partnerships with real estate
- 9:17agents.
- 9:18Shocking?
- 9:19I don't think so.
- 9:20News to you?
- 9:21I don't think so.
- 9:22Check this out.
- 9:23The National Association of Realtors reports that in 2018, the number of existing home
- 9:27sales that were sold was around five million.
- 9:30Let me say that again, the number of homes sold in 2018, existing homes, not including
- 9:35new construction, right?
- 9:37Five million homes in the country.
- 9:40A lot of homes.
- 9:41They also report that 87% of buyers purchased their home through a real estate agent, a share
- 9:48that has steadily increased from 69% in 2001.
- 9:54What does this mean?
- 9:55You know, I need to grab a megaphone and say, what does this mean?
- 9:58What does this mean?
- 9:59Check, check, check.
- 10:00Can you hear me?
- 10:01What does this mean?
- 10:02It means that real estate agents were involved in about 4.3 million transactions in the country.
- 10:10Folks, that's a lot of business flowing through one single source.
- 10:15I call that an oil well.
- 10:17What do you call that?
- 10:19The question I have for you, Mike Barrios, and anybody else watching is how much of that
- 10:22oil well are you getting from agents in your local market?
- 10:26I get it.
- 10:27Maybe you're busy right now, right?
- 10:29Rates are down, activities up, refires are hot, and all that kind of thing, as I get it.
- 10:33Maybe you're even getting more purchased business from them before.
- 10:36A lot of loan officers, I talk to you, say, yeah, I'm busy.
- 10:39I'm getting deals sent my way.
- 10:41Here's the thing you need to ask yourself.
- 10:42You've got to look around the corner 90 days from now, six months from now.
- 10:45Are you succeeding because of the market, or are you succeeding because of your marketing?
- 10:51Right?
- 10:52Because when the tide goes out on this market lift, and it will, where will you be?
- 10:57Now, let me share with you a problem taken from multiple polls that I've given to loan
- 11:02originators over the years.
- 11:03So every year, a couple of times a year, I take a poll.
- 11:05When I have people coming into my podcast community here, right?
- 11:08I take a poll, hey, what's your number one focus?
- 11:11What do you want to focus on this year, right now?
- 11:14All the time, 80% of the time, the most common answer I get back from loan officers is they
- 11:19want more success with real estate agents.
- 11:22You want to work with better agents, have better partnerships, get more quality leads,
- 11:26more consistently, and you want to close more purchase loans.
- 11:29I get it.
- 11:30It's a great goal to have.
- 11:31What about you, Mike?
- 11:32Is that your goal?
- 11:33Right?
- 11:35Loan Officers approach agents with the wrong mindset and weak offer being seen as the
- 11:40same as every other L.O. in town.
- 11:43And I'm here to tell you folks, same is lame in any business.
- 11:47Say with me, same is lame.
- 11:50We need to do this again.
- 11:51Same is lame, okay?
- 11:55What's the impact to you not fixing that broken approach, that same is lame approach?
- 12:00Here's what I've seen happen to loan officers over the course of time.
- 12:04We fall into a false narrative that getting agent referrals doesn't work.
- 12:09Or you chase the easy button like we talked about of online leads.
- 12:13Like, hey, sounds great, you know, I'll just like put up some ads, I'll run some, you
- 12:18know, get some leads, I'll generate a ton of leads, no agent, tell you, sign me up.
- 12:22Sounds like a no brainer, right?
- 12:23So what happens?
- 12:24Number one, does that even occur?
- 12:26It's never as easy as it sounds, right?
- 12:28Secondly, what happens is whether it's you kind of chasing the easy button of online leads
- 12:33or getting two bog down with your refi business, here's what happens.
- 12:38You take your focus away from agents where the majority of transactions is actually happening
- 12:43right now.
- 12:44Remember, 4.3 million homes flowing through real estate agents in 2018.
- 12:52A lot of volume handled by real estate agents.
- 12:56So online leads, I talked to a lot of people, hey, I want to try online leads, right?
- 13:00Look, here's the thing.
- 13:01I want to save you a lot of time and frustration.
- 13:04If you don't have the systems, the patience, or the cash to play the online lead game,
- 13:10you're not ready for that, okay?
- 13:12I've seen it happen.
- 13:13Oh, I want to try online leads, and soon enough, you're on the income roller coaster ride
- 13:17with empty purchase pipeline, empty wallet, and you're back where you started.
- 13:21Am I saying you shouldn't do online leads?
- 13:24No.
- 13:25What I'm saying is, is that too many loan officers are falling into the false narrative
- 13:29that working with real estate agents sucks, it's hard, it's unproductive, there's not
- 13:32enough good agents, and I'm telling you, it's all a story.
- 13:35It's all a story.
- 13:36I'm going to get into how to fix that, okay?
- 13:41But that's the problem, right?
- 13:43Taking your eye off the ball of where the bulk of the business is flowing right now.
- 13:46It's like that bear, right?
- 13:48Have you ever seen a picture of that grizzly bear that stands in front of the stream and
- 13:51all the salmon are coming down the stream, and what does the bear need to do?
- 13:55We just need to put himself in front of that stream, that flow of salmon, and he reaches
- 13:58out and he grabs some salmon, right?
- 14:00It's that easy.
- 14:01That's what's happening in the space of real estate agents because of the volume of business
- 14:04that's flowing through them, okay?
- 14:07So what's the cause though, right?
- 14:09When you take your focus, when you don't have systems, when you don't have the appropriate
- 14:12system, look, I don't care if it's leads, I don't care if it's real estate agent referral
- 14:16partnerships, here's the thing, whether it's online leads or it's agent referrals, the
- 14:20answer to your biggest challenge with building consistency in your business is systems.
- 14:26There's a gentleman named Edwards Deming, he's considered the founding father of total
- 14:30quality management, right?
- 14:31The TQM movement, right?
- 14:33He's quoted as saying that 94% of business problems are systems driven and only 6% are
- 14:39people driven.
- 14:41So if you've struggled in achieving real success with pursuing agents and getting consistent
- 14:46referrals, here's the thing, perhaps it's your system that's the issue, not you and
- 14:52not real estate agents.
- 14:55I know this for a fact, you know this because the systems, most loan officers use like
- 15:00coal-calling, co-paying for leads and chasing agents, right?
- 15:04Those are inefficient, they're exhausting and there's the same lame tactics used by
- 15:09many others.
- 15:11Do you agree Mike?
- 15:13So what's the solution?
- 15:16So the most effective way to improve your success with agents is to improve the system.
- 15:21In a sense, a system that's engineered for maximum results in minimum time and removes
- 15:28the ineffective, same as lame activities like coal-calling, co-paying for leads, chasing
- 15:34and wasting time with low producing real estate agents.
- 15:38See, I've been in this business since 2003, right?
- 15:43I originated 120 plus loans per year.
- 15:46I want to tell you the truth.
- 15:48The truth is, the best system I've ever seen for more success with agents is teaching
- 15:58agent classes, when done correctly, okay?
- 16:05That is the system that is the solution to the ever recurring challenge of building a
- 16:13purchase-driven, referral-based business with real estate agents as your first pillar
- 16:19of business.
- 16:20Is it the only pillar of business for you?
- 16:21No, there are other pillars, but that is the first pillar and should be the first pillar
- 16:26until you are ready to move and start to implement other sources of business that are unrelated
- 16:33to your past clients, sphere of influence and real estate agents.
- 16:37There's a time and a place to pursue buying leads, running ads.
- 16:41If you don't have the appropriate systems yet in place for your business, there's no
- 16:45time that's right for that, okay?
- 16:48So here's why teaching agent classes works so well to your benefit when it's done correctly.
- 16:54Number one, you can be very targeted in who you invite, targeting only agents who meet
- 16:58your specific criteria.
- 17:00This can be based on production, experience, location, etc.
- 17:04Okay?
- 17:05That's number one.
- 17:06Number two, why the system works so well as you reverse the prospecting process.
- 17:11No more chasing agents.
- 17:13You're now attracting agents because they're choosing to come to your class.
- 17:19No more co-calling.
- 17:21No more same as lame.
- 17:23Number three, you put the law of large numbers to work in your favor.
- 17:28Instead of meeting agents individually, you're meeting with small groups of agents scaling
- 17:32your reach and compressing time.
- 17:35More agents in less time.
- 17:38Number four, you increase your impact.
- 17:42You build trust and you boost your likability a lot more quickly by delivering business growth
- 17:49ideas, adding value to real estate agents through classes.
- 17:54Because you'll never replace the power of face to face to build relationships.
- 17:59Number five, you create what's called reciprocation.
- 18:03If you're familiar with a book called Influence by Dr. Robert Cheldini in it, he talks about
- 18:08this concept, this psychological fact known as reciprocation.
- 18:14Reciprocation is somebody feeling inclined, compelled to actually return a favor or something
- 18:23of value in exchange for the value they received.
- 18:26So when you teach agents how to fish, you educate them on how to grow their business through
- 18:32the various tools we've all got coming at as social media, online marketing, et cetera,
- 18:38business building, goal setting, whatever the case is, right?
- 18:41When you're helping agents to understand how to navigate today's modern marketing world,
- 18:46you induce reciprocation, which causes agents to feel compelled to send you business because
- 18:54you've added more value than anyone else.
- 18:58Look, the hallmark of a good system is what?
- 19:02This predictability of results.
- 19:05I've been teaching agent classes myself since 2030 and I still do them every month to this
- 19:11day.
- 19:13Over the last 10 years, I've helped hundreds of loan officers quickly grow their agent referrals
- 19:16using classes and a proven system for getting butts in seats and loans in your pipeline.
- 19:25If you want to grow your purchase business, the quickest way to get there with the least
- 19:31cost to you is to tap into the oil well of buyers that are already flowing to agents right
- 19:37now in your market.
- 19:39Remember the NAR stats, 5 million existing home sales in 2018, 87% of buyers use an agent.
- 19:46That's over 4 million buyer transactions.
- 19:48I ask you again, how many of those are you getting?
- 19:53The solution to get your share of those buyers from agents is to tap into a repeatable
- 19:58proven system that puts you in front of the right agents with the right value proposition
- 20:03that grows your referrals every single month.
- 20:08Now you're probably by now asking yourself, what are you talking about Jeff?
- 20:12How do you have any proof that this system exists and it works?
- 20:15Look it.
- 20:16I don't know if you're watching me live or on the replay, listening to my voice, watching
- 20:21me on wherever you're watching this video.
- 20:24If you've been following me for any length of time, you know that I'm a big believer in
- 20:28blending the online and with offline and getting in front of agents by teaching agent classes.
- 20:33I can tell you that I have a growing base of loan officers that are succeeding and doing
- 20:38well with this.
- 20:39Let me just share with you a few quick success stories.
- 20:42Shawnee Morris, who's only been in the mortgage business about a year, right?
- 20:46She is a member of our mortgage marketing pro membership.
- 20:50Every month she teaches at least one agent class.
- 20:52It's been a fact earlier this, I think last month she taught four, whatever the case is,
- 20:56the bottom line is this is her and I had a conversation yesterday.
- 21:00She is our featured member of the month because she's killing it with agent classes.
- 21:04As a matter of fact, I just got a message from her today that she got her fifth lead just
- 21:08from one class and in 90 days she added $1 million in funded loans from agent referrals
- 21:15that came from her classes that she taught.
- 21:19That's on top of other activities that she was always already doing.
- 21:23In 90 days, how would you like to close an additional million dollars in loans just
- 21:26by teaching some agent classes?
- 21:29Here's another example.
- 21:30A brand new member of ours, Lenea Clayton, she just joined, hasn't even taught a class
- 21:36yet and she was at the Women's Councils of Realtors and she was sharing a list of classes
- 21:42that are provided to her as a mortgage marketing pro member through our teaching agent classes
- 21:47modules and the person from the Women's Council of Realtors was so impressed with the list
- 21:53of classes.
- 21:54She asked if she would teach those classes every single month at the WCR meetings.
- 21:59Folks, an immediate invite to come on in and be the featured teacher at the monthly WCR
- 22:04meetings without even having taught a class yet, that's powerful.
- 22:09Same thing happened for her at a Keller Williams office of 70 real estate agents.
- 22:13They asked her to come in and be the featured class trainer presenter with this content
- 22:18every single month.
- 22:19The beauty of it, as she says, is, it's already done for her.
- 22:22All she needs to do is grab the class, download the PowerPoints, watch a few videos that
- 22:26handouts and she's good to go.
- 22:28But it doesn't stop there.
- 22:29I can go on and on with success stories of people following the system.
- 22:32Andy Passmore, 30 agent meetings, 12 buyer referrals and a million bucks in close loans.
- 22:37Ben Barrett, 40 agents attended his first class, got a loan application on the spot.
- 22:43Two of the local real estate agents that attended Ben's class called him shortly after the
- 22:48presentation to ask that he present that same class for their entire office.
- 22:55That's called leverage.
- 22:57That's called speed.
- 22:59And as I said earlier, in my years of this, in being in this industry, 15 plus years,
- 23:04I've yet to see a system that more quickly gets you in front of the flow of transactions
- 23:11that are already going through real estate agents in your local market.
- 23:15If there was a more efficient, more quick system to do that would get you there, I would
- 23:19be talking about it.
- 23:21I would be doing it.
- 23:22I would be coaching my loan officers to do it.
- 23:24Is that all you do in your business as an originator to grow your business?
- 23:27No.
- 23:28But if you're looking for a better, more efficient way, a system that's proven, that's
- 23:33not based on hearsay or guesswork, but that's based on you just tapping into the system
- 23:38and applying the right actions, follow the program and get the results.
- 23:44Why do you think programs like Weight Watchers and other things work so well?
- 23:48You follow the program, stick to the plan, you get results.
- 23:51Do you have to do your work?
- 23:53Absolutely.
- 23:54Right?
- 23:55There's no free lunch.
- 23:56So what are you waiting for?
- 23:58What you do today will show up in your business 90 days from now.
- 24:03What's your system for building your purchase business?
- 24:06What's your system for making sure that you don't live and die by the refi?
- 24:11What's your system for building your base of partners who keep you afloat when the tide
- 24:16goes out on this market lift?
- 24:19How do you consistently and repeatedly add value to your local real estate agent so you
- 24:24attract agents to you, you attract business to you, and you literally build yourself
- 24:29this machine that delivers referrals to you every single week, week in, week out on
- 24:35a silver platter.
- 24:36What is your system for doing that?
- 24:37I don't know if this is right for you, it's not right for everybody.
- 24:40As I said, you do actually have to do the work.
- 24:43So that said, if you want to learn more, next step will be to go over to watch a brief
- 24:48video at www.bridgemarketing.pro.
- 24:51I put up a brief video there explaining to you this whole system, this whole process.
- 24:56It's right for you or not.
- 24:57We're not looking for everybody, we're looking for doers, we're not looking for talkers,
- 25:01okay?
- 25:02We're not looking for excuse makers.
- 25:03The people I share with you here today, their success stories, they are doers, okay?
- 25:08So if you want to learn more, go check it out at mortgagedmarketing.pro and I'd love
- 25:13to see you there.
- 25:14If you've got any questions, reach out to me on the Facebook here and message me and
- 25:16I happen to have a chat with you set up a call, okay?
- 25:19So that's it.
- 25:20Truth talk Tuesday.
- 25:22More coming at you, we're going to try and do more of these truth talks every Tuesday.
- 25:26It's not going to, you know, this isn't going to be the topic or the talk every single
- 25:30Tuesday, but I just wanted to come out, coming out swinging today is what I'm doing, okay?
- 25:34I appreciate you tuning in.
- 25:36If you like what I've had to say, as I said, reach out, connect with me, message me here
- 25:39on Facebook or go over to mortgagedmarketing.pro and watch the video and I appreciate you.
- 25:44We'll see you on the next one.
- 25:45Bye for now.
- 25:46Thanks for listening to Mortgage Marketing Radio.
- 25:50One more truth in mortgage marketing, get more free training and resources at Mortgage
- 25:55MarketingInstitute.com.
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