Latest / Mortgage Marketing Radio / Ep #49: How to Become a Mobile Friendly Originiator

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Ep #49: How to Become a Mobile Friendly Originiator · Mortgage Marketing Radio

0:00
In today's highly competitive mortgage industry, building profitable relationships with
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the real estate agents is essential for success.
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However, finding effective ways to secure agent relationships can be a challenge.
0:11
With so many mortgage loan originators vying for the attention of real estate agents, it
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can be difficult to stand out and establish meaningful connections.
0:20
Our new case study featuring loan officer Chris Cogill is a must-read.
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Chris has closed a remarkable 36 million in funded loans from agent referrals.
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And in this case study, he shares his proven strategies for building strong relationships
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with real estate agents and leveraging those relationships to drive more business.
0:39
To get your hands on this resource, head over to LOKestudy.com and download your free copy
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of the case study today.
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You'll find actionable insights and practical tips that Chris used to close 36 million
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in funded loans from agent referrals and how you can too.
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Don't miss out.
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Go check it out right now, visit LOKestudy.com and download your free copy today.
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Mortgage Marketing Radio Brought to you by the Mortgage Marketing Institute,
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So this week, we are talking all about what it means to be mobile friendly as a mortgage
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originator today.
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I probably don't have to tell you that the world has gone mobile and that users, buyers, agents,
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first time home buyers have an expectation around a mobile, friendly user experience.
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And just a heads up that goes way beyond just having a 10.03 online and having an online app.
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That's kind of minimum table stakes for today.
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What am I talking about when I talk about being mobile friendly?
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I'm talking about, do you make it easy for your clients past database to communicate with you,
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your referral partners, even better?
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Do you make it easy to be referable?
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What do I mean?
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I mean, do you live on somebody's home screen?
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Do you live on somebody's phone where they're accessing it multiple times per day?
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And are you leveraging that opportunity to drive engagement to add value and to get more
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referrals for you if not that I encourage you to listen today and take notes and write
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the information down because my two guests today, Derek Van Dam, Branch Sales Manager with
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movement mortgage and Ryan Leopold co-founder of CardTap, which has a very cool web-based mortgage
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app. And you'll learn a little bit about the differences between web-based app and an app that's
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in the app store and why that's important.
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But the reason why I brought these two individuals on is because I thought it would be relevant and
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important to share two perspectives. One perspective from Ryan, who is one of the co-founders of CardTap,
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talking about what it means to be mobile friendly and how we integrate that into our overall
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sales process today, both in working with clients and referral partners. And then of course,
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Derek, being the in the streets currently active mortgage loan originator, is going to share some
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actual use cases and best practices of how he's getting referrals, how he's getting more conversions,
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how he's converting more tire kickers and look-y lose and TBDs to actual buyers staying top of mind,
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how he's driving social engagement and really just creating a wonderful,
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referable user experience for his clients. So if you've ever wondered, what does it really mean
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to be mobile friendly? How do I, as a LO, get mobile friendly? What does it even look like? How would I
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do that? Today's episode's all for you. We're going to unpack it. We're going to dive in and you
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will walk away from this episode learning not only what it means to be mobile friendly, but how
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you can get started today in having a mobile friendly user experience that gets you more clients,
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more referrals, more fundings. So I hope you enjoyed this week's episode and let's get into
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this week's show. Ryan Derek, welcome to the show. Thanks for having us.
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Thank you, Jeff. Appreciate it. You bet. Okay, so for listeners sake, let's allow each of you to
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identify who you are real quickly and then we'll get into the show. So Ryan, go ahead and say hello,
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quick bio, who you are, what you do. Yeah, Ryan Leopold, co-founder of CardTap and formal
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announcer 15 years. Awesome. Derek? Yeah, I'm a branch manager with movement mortgage. I've been in
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the business 15 years myself, but about just about a year and a half with movement currently.
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Great. Thank you very much. And great to have you guys here. I know we're both busy,
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all of us are busy. So let's get into kind of, I wanted to start with this concept of being mobile
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friendly and there's a term that I use called being a modern mortgage originator. If we could maybe
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just kind of unpack that for a second, and I don't know if Ryan or whoever wants to take that first,
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because when a loan officer hears, you know, being mobile friendly, like, well, what does that really
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mean? And how can I as an L.O. be mobile friendly? So anybody want to jump on that one?
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Yeah, I can jump on it. So this is Ryan. So yeah, the whole premise of this even came up was being
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a former originator and looking at everything when I was originating from a different kind of
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perspective. So when I was doing loans, I looked at everything as being about marketing,
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about getting my brand, my name, my information in front of my clients and realtors as much as
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possible. So when I was, when I looked at marketing, I would do postcards and email drip campaigns
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and video and social media, again, everything to keep my brand in front of the people that mattered
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most of my business. So four years ago, when we were, when my partner and I were still originating,
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we look and said, what's the one thing that people have in front of them every minute of the day,
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being their smartphones? We just, again, look at it at a solution for ourselves because we couldn't
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find anything out there and said, wouldn't it be cool if we had our own app and had the ability to
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share our app like a digital business card to get our brand and information right on the one thing
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that people look at every minute of the day being their phone. So the first phase of mobile marketing
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is just being present and having that real estate on somebody's phone. And so Derek, when you hear
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that, you know, I don't know what your reaction was initially to kind of getting mobile friendly and
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maybe you're more receptive to it, but what's your take on being mobile friendly? I'm a big fan of
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technology in general. You know, I do a lot of connecting to clients and to real estate agent
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partners through social media. Like I probably spend an hour or two a day just in different types
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of technologies in order to expand my customer base. So I'm comfortable with it. I enjoy using it.
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This particular app really had appealed to me Ryan's company because it acted like a virtual
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business card with a ton of great functionality added on top of it. You know, to me, I'm all about
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trying to look as polished and professional as possible to the end client. And this is something I
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think that just does a really good job at that. It just looks sharp. It looks tight and anytime
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that I sit across a table with a real estate agent and put this on their phone and walk them through
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it. Like at the response from every one of them has always been extremely positive. I mean, they
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really like the way that it looks and they really feel comfortable sharing it with their clients
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because a lot of them are believers in technology as well. I mean, particularly when you take a look
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at, you know, I tend to do a lot of business with first time home buyers, a lot of millennials,
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a lot of them are technically savvy. Like you have to kind of be operating. It's somewhat near
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the same level. I mean, I don't, I'm not Snapchat and I'm not like totally on level here. I'm a
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little bit old. But you know, this allows me to at least participate in something that looks
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pretty cool. Yeah. And so I want to clarify also what seniors were talking about mobile and,
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you know, the app Ryan, your company obviously card tap is an app, but I want to clarify
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conversation you not had the other day Ryan, the difference between, you know,
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native versus web web based app. And because I know some LOs have probably had experience with
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some apps in the past and maybe find it a bit cumbersome to use and integrate into their process.
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So take a moment and identify how your app is different in terms of like a user right functionality.
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So even on that, that premise of just being mobile is when we first put this together, we knew
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that everything had to be easy for the loan officer. And most importantly, how to be really
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easy for the real estate agent and the consumer. So native apps, everybody knows and understands,
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but the problem is a lot of people just don't download apps out of the app store anymore.
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It's a cumbersome process. It requires a password a lot of times. It creates memory on their phone.
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So they're just kind of adverse to doing it. We always looked at ways to make it easier for
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everybody to use these are products specifically. And if you avoid the app store and you make it
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more web based HTML based, it's just simple and easy to share it with somebody. They click on
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one link and they do two steps and add it to their home screen and accent functions.
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When you go to that mobile or that HTML web version, it makes it a lot easier for everybody
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from start to finish as opposed to go native and go into the app store.
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Yeah. And so when prepping for this call, obviously I kind of tested the app out and it's
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definitely is a much more user-friendly experience in terms of I don't have to get like you said.
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I don't have to download the app store. I just go to the link and all of a sudden,
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you know, within a matter of a click or two, it shows up on my phone. And for the past week or so,
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I've had Derek's handsome face staring at me on my phone screen.
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So I think that's the perfect transition to. So for the L.O.s listing, they're like, okay,
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mobile app, great, cool. How do I use this in my business to either grow my business, get my
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referrals, right? Stay in touch with past database. So for you, Derek, maybe walk us through a
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couple of use cases in terms of how you use this in those different scenarios. All right. So
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I have certain times where I use it more often than others. And the two times that I do,
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one of them is a network of events. And then the other time is at coffees or lunches that I take
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out real estate agents for. Those are really the times that I find myself most regularly offering
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these to people to use. So if I'm not a networking event and I sit in chat with nobody for a few
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minutes, and of course I'm a big fan of buying drinks and, you know, just kind of like in the
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dating world, it'll buy you five or ten minutes of their time. And that's all I really need.
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So I'll buy a drink and I'm sitting there for five or ten minutes. I drop our value proposition
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and of course, moving out of things to be able to offer in that value prop. And then at the end,
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when they're all excited because if I did my job right, they are. And then they'll say, hey,
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do you have a card? And I'll say, I've actually, I'll do you one better. Let me put something on
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your phone and you're going to love it. Do you have your phone, Haley? Hey, pull it out real quick for
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them. And I'll have them pull out the phone. I then take their cards. So I kind of use this
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in combinations. Here's what I do. I take their card and I have an app, a free app called Cam Card.
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And I scan in their app into my phone. And once they're into my phone, it saves it also in my normal
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directory of people. And then from the app, I go ahead and send them, I send them the link.
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And then I, the key to this whole thing, though, is you got to walk them through the whole thing
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one time while you're there. For people that I don't do that with, my response rate is almost
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still. But for the people that I've actually walked through and showed them all the screens,
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it's amazing how many people really use it and use it regularly because I get notified every
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time somebody uses the app and my phone blows up all day because I've given it to so many people at
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this point because I've had it. I think I've had the app now for about two and a half years. So
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I've been doing this. So I sit with them and launch the same situation. We have a great launch.
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I tell them all about us. Let's go ahead and put this app on your phone real quick.
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I showed them how they can contact me, get a hold of myself, my team. I showed them how they can
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refer leads to me and use it for that. I show them which portion of the application is specific
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customer facing versus them facing with as far as I have a link right to it to our easy app. I have
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and some surety links that they could just put in five or six fields of information if they just
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want to give me a little how it ties into my Zillow and they can see my reviews that I've got on
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Zillow. And then I show them some of the great functionality that they can use. Okay, so the two
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biggest things I think on the app that they as real estate agents can use, the one is the
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area for me. But the other one is the calculator. The calculator is fantastic for me able to
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calculate a full PIT payment for one of their clients. And what makes Ryan's app better than
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the other ones out there or any other one that I've seen that that does a calculator like this
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is that not only does it include the escrow for the taxes insurance in HOA. Well, I know that's
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not an escrow, but it includes HOA. But what it also does is it includes the PMI. So Ryan's
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company's got a partnership with MGIC and they're tied into MGIC's engine and I show them how it
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calculates the PMI at the same time. And that's pretty cool because that's just something that you
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don't see out there on the other apps. And then I explain to them how they can screenshot it and send
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it to people and there's a new function on the app that just came out. I don't know where I
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want you to release this in the last week or two because I only just saw it. But now you get
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to email somebody and quote from the app. That's pretty cool. You can. Yeah, that's actually
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within last week. Yeah. No, I like that. Not in the little edition I saw that when I just was
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putting it on somebody's phone a couple days ago. I was a little surprised I hadn't hadn't seen
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that before. I like that new functionality. So perfect. So that gets some use in it. That's
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what you want. You want them to use it and you want them to see the value and that's great value.
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Yeah. So there's a lot there. So a couple of things to clarify. One of you just said you can email
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somebody a quote. So that means you can work up kind of a payment calculation and email that to
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them right from the app. Yes. All right. That's awesome. And you mentioned something earlier just a
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just a note for those listening and we'll put it in the show notes. The scan card app which you
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use to scan somebody's business card. Is that what it's called? Cam card. Cam card. C-A-M.
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Cam card. It's it's free. It's free on the app store and so what I do is I just anytime
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somebody gives me a card. A lot of times I just do it right then in there. Scan it right and
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while still hold I'm holding it in my hand. Yeah. And then it goes right into my contacts and I've
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got them in. Okay. Now and I have a folder. You can make folders. I put them in a real estate
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agent folder, a builder folder. I do some recruiting of other loan officers. So I do an L.O.
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folder so you know different things for different things. Yeah. Okay. So that's very interesting
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in that school because you can obviously streamline a lot of that stuff and there's there's
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multiple. I mean there's just so much in there in terms of from a from a co-marketing standpoint.
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Do you find that the realtors are using it somewhat to you know maybe run some scenarios or they
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typically just you know throw that back your way? They do it sometimes. They do it a little bit
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more for their own curiosity in certain situations because first of all I find that out of the
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estate agents by their own real estate. So a lot of times they're kind of curious. Yeah.
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What all happened is as a client will come to them and say listen I really only can
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can spend X dollars per month. If somebody says something to me I can spend 1200 a month. I can
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immediately pop out the loan amount. So that's a weapon. If you're in the middle of down,
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it needs to be this and I kind of have a good feel for where it is. But this maybe they're not
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as good as the estate agent find out if he is going to pull him out quite out as quickly as I do.
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So I think if somebody says to him you know I really only want to spend 12 of the dollars
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month. I think they go in there and they try to figure out what 1200 dollars a month will get
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their clients so that they know what kind of things to show them. I think that's really easy.
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And the links and Ryan you might want to take this in terms of the links that I'm sure it depends
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on the customer engagement. Like Derek mentioned he's got a link to apply online to their easy app.
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Request to quote customer reviews which is cool so testimonials. That's optional in terms of some
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of those buttons you can put in there. Yeah you can basically put in any content that a
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loan us was going to have online you can build into the app. So like you said if it be a website
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apply online check loan status social media reviews. Anything can be built in there and then we
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look at it as like a distribution tool. So if it's like a digital business card that you're
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sending to somebody you're not only sending them an easy way to connect with you using the tools
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that Derek mentioned but also that consumer or the realtor as a chance actually get to know the
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loan officer a little bit through the app and the loan officer can control what information those
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people are seeing. So a lot of times loan officers will have a lot of content out there which is
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great but it's never really seen because there's no way to get it in front of people. So every time
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you have that engaged conversation and whether it be with a realtor agent any partners you're
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trying to work with a consumer a lead current client anybody. Share your app with them like Derek
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really face the phaser over the phone where you can explain to them the value to them and walk
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into the process is where you get your best banged your buck out of it. It's a distribution tool
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for all your content. Well one of the things I like about it is like you said we're trying to drive
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interaction and engagement in this app it's you know it's where everybody lives as mobile and on
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Ryan's particular example here he's got links to you know Twitter linked in Zillow Google plus he's
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got links to videos that you know our content related videos about the mortgage process.
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What types of analytics Ryan would somebody get like the L.O. let's say if I'm
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clicking through and looking at Ryan's videos for example number one does the reporting go back
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to him and number two is there any kind of push right to the end user side when perhaps there's
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new content. Yeah so not necessarily push to the end user but from the loan officer standpoint they
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can see as long as they've shared their app with that person the first step is now it becomes a
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two-way exchange information so if I share my app with Derek and I meet him at a party or
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a network or event a barbecue or anything I put his name and phone number in there I've captured
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his information he only has my app and he can have access all the information I have built into
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it but I have his name and phone number I can control the follow-up. Number two on the back and
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it's an attract everyone to share your app with you have their information and you know that you
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share it with them but it also is going to report back to me or back to the loan officer letting
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that loan officer know anytime somebody uses the app no matter what they do wanted if they open it
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if they go to the easy app if they go to their website if they read reviews if they do a mortgage
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calculator or if you get a referral that loan officer is notified in real time from via email
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on their back end dashboard and via a push notification so that immediate data is really crucial.
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Yeah and there's a lot of cool stuff there because you mentioned to me when we last talked that
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let's say I've got Derek's app on my phone and I'm talking to my neighbor they're like oh yeah
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I'm interested in you know buying a new house or you know whatever the case is somebody else
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is interested in some type of a mortgage financing I can actually share that app with somebody else
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right yeah so kind of back to that theme at the beginning is about making everything easy so
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loan officers obviously want referrals but we need to make the referral process easier for
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our past clients family and friends or referral partners so instead of them pulling at a
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business card and handing it to somebody which people aren't going to do and send them just
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sending a text with a name and a phone number or writing a name on a piece of paper or an intro
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email where people get 400 emails a day is now that real through that friend or family can just
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open up in this case Derek's app hit share referer put the person's name and phone number
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and hit send it's going to send them a link via text to download Derek's app and then Derek
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will be notified in real time hey Sally Smith your real estate or your neighbor just referred you
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to Bob Johnson and that neighbor can even put a quick note in there that would only go to Derek
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referencing that referral so hey Derek friend of mine neighbor looking to buy a house as I said
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you're great now that consumer is going to have all of Derek's information Derek has their
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information how he can give him a call and make the connection ideally faster and more efficiently
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another thing I like what you said earlier about the loan officer receiving notifications as
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somebody is engaging with and using the app so I'm let's say a TBD right I don't have a house
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yet but maybe I got pre-approved by Derek and his team but I'm in there like and and you know
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obviously a certain Derek you can relate to this some of our clients go dark right maybe we took
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an app in three months go by and they still haven't found a house or maybe they just went radio
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silent rent went off you know went off the grid so how do we stay engaged with them well I like
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this because if they're in there playing around with the calculator or whatnot or reading your
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content that you've got on the various buttons and tabs you're going to get notified and see
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right where they're engaging and that's all of a sudden a kind of a call to action for you to
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touch base again that's nice to know you know I like to spin up on there I have a real estate
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against too I have it with a real estate agent I haven't shattered within a year and a half and all
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of a sudden I see them on the app again like that's the perfect excuse to call to do that so yeah
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no I that's a big fan of having that information because there are really two parts to this app
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you know there's the app itself and then there's the kind of the management piece of the app and
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that secondary piece which kind of rolled out I guess about a year year and a half ago something
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like that that's been very helpful for me one of the things that I like about that piece more than
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just the notification is that it also allows me to send the link to people in my contact list
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in my phone that was kind of big for me because in the past I'd have to sit there and pee in their
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number every time and now again I do what I said before I scan that for the card and then I just
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you know go right from the contacts on my phone to send it to them and it's faster and I
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and I appreciate having that ability so I don't even know if I use all the functionality that
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that management has but those are the two biggest things that I like so yeah I'm going to
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tee that up for you in a second Ryan in terms of you know what areas of the app maybe you see
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other uses that Derek is not for whatever reason but let's let's close out this loop about in
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terms of usage notifications and reporting meaning so Derek can see well you tell us Ryan
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we talked about it the other day we've got the stats and Derek can look at his app at any time
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to see what the usage in the sharing has been going on and I think I've got to ring down here that
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his app is to date roughly on 327 phones he's gotten 139 referrals and over 5263 times it's been
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clicked on what does that mean for those listening in you know the right context of an L.O.
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The way I look at it and as I kind of reflect on my days of originating is that every one you talk
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to basically is a potential client right so it's somebody who's looking at possibly buy a house or
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somebody who's looking to refinance so if the first habit of the Lone Officer is sharing their app
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with every single person they have an engage conversation with kind of like handing out a business card
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that's key number one is just getting it out there and sharing it with many as people as possible
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number two is like Derek was saying if you're in front of them face the face or over the phone
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educating them on the benefit to them why would they care to have your app and if you're having
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an engage conversation with you and they ask for your business card obviously they want your
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information they want to learn more and that tracking piece again is what brings it all together
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because it's all about opportunity management I mean I can't even foul them how much money
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over 15 years that I lost as an originator just simply from the cost of missed opportunities
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yeah absolutely now just that person that I meet at a party they say yeah I've been thinking
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about buying a house for a couple months you know my wife and I haven't bought before we definitely
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asked some questions hey do you have a business card on you I'll give you a call if you're lucky
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enough to have your business card on you you hand it to him you go great give me a call I can
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definitely help you out and then how many times you never hear from those people again sure yeah
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probably most of the time and now this is putting the control back in your hands because now you
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have their contact info in your app without a doubt either a you now have their name and number
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because you shared their your app with them you put a note in there so you're referencing that
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hey I met you at this party on this date so when you go back and you check your log and you
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see you know I'm you know meet somebody on a Saturday and you go back and want to call them on a
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Monday you just give me a call remind them of the interaction start the dialogue from there
24:44
or even better is that they're on the app clicking around you're notified in real time just by being
24:50
on the call for us 15 minutes I've got four different people have been on my app clicking around
24:55
and I can go and either am and I recognize their name and call them right away because I know
24:59
they're engaged right now or I'm in a reference my note and then give them a call to reengage
25:04
so like Derek mentioned he had a realtor who sent his app to a year and a half ago who's on the app
25:10
perfect chance to reengage but anybody could be a buyer from three or four months ago it could be a
25:15
past realtor it could be a past client on there click in the refinance calculator you just never
25:20
know but that's the power of the tracking is that notification that someone is thinking about
25:25
you right now that's awesome what aspects of the app would you like to bring up that we maybe we
25:30
haven't mentioned yet I would say the biggest thing which I mentioned a second ago in where I see
25:35
we have 15,000 members nationally loan officers who use our app but what I see is the biggest gap is
25:41
just not using it part of their system and process every single day is that and a lot of times
25:48
I'll sit down with a loan officer and we'll evaluate how many people do you tend to talk to
25:52
any given week about mortgages whether we have past client a new lead that came in some who just
25:58
calls for a scenario question lead that you get online Facebook inquiry whatever it is those are
26:05
all opportunities to share your app so if you have 15 or 20 a week right and you share it with
26:10
every single one of them at the end of the month you have 60 to 80 new people you share your app with
26:14
so I think it's all about just recognizing opportunities of where you can share the app and how
26:21
to sell again sell the benefit to them absolutely so I'd say that's one piece that a lot of our
26:25
loan officers haven't fully integrated yeah and I would add to that you know the topic we opened
26:31
up with is becoming mobile friendly in today's world and you know Derek you obviously mentioned
26:35
working with first-time home buyers and millennials so there's this expectation around user friendly
26:40
right and a positive experience and from a branding perspective it's a little bit unique and
26:46
different to have like your headshot on somebody's screen versus some some logo that they forget
26:53
what the heck is that app right now it's true I kind of like that you know there's a lot of phones
26:58
out there with people smiling out when they smile and I always make a little joke about it you
27:03
know every time it goes on their phone and they kind of they see it there for the first time and
27:07
I'm like and the real value here is that you get to look at you know and you know of course I'd
27:15
make light of it but it's it's fun you know I kind of like to have that you know it's nice to be
27:20
because it's you know you don't know anybody there's nobody else's app out there which has a headshot
27:24
like if you take a look at all the real estate agent ones color why I'm some of these other ones
27:27
they're used it's the KW logo or it's what have you this is the only one I know that does this
27:33
and I've actually had real estate agents that told me that they liked it so much that they wanted
27:38
to get this for there you know for their thing too and then I just I got somebody over there at
27:42
Ryan's shop I just send it over anytime somebody says that to me because you know why not it's
27:47
obviously a good testimony if they really like it so much they want to use it themselves
27:50
in lieu of their KW or whatever one that they have absolutely in the calculator where I love
27:55
about the calculator it's it's like a lot of apps is just like you know one generic calculator you
28:01
guys have an affordability of refinance and a purchase calculator so that's that's really
28:06
awesome because those are three completely different scenarios yeah it's you know the loan
28:10
programs too it's or it's built in with a conventional FHA VA in USDA so it's already taking me
28:15
in the MI premium for FHA for example and the finance in MI and then conventional like Derek mentioned
28:21
earlier we integrated with MGIC so somebody puts 10% down with estimated credit score of 720 it's
28:27
going to pull in that monthly MI rate from MGIC so at least they have a really good estimate of
28:32
what the monthly MI is going to be hey let's not forget right in L.O. it could be having a
28:37
conversation about affordability and it's like oh yeah and you're at the beach or whatever right
28:42
that classic story um but you just whip out your app instead of like needing to have your laptop
28:47
or whatnot to get access to your software right there's so many stories that I've kind of run into
28:51
personally even after I was done originating where I've seen how it works in the street and how
28:57
it works not only from educating a consumer getting them an idea of what they can do and then
29:02
also making those connections with the loan officer again or just making their full process faster so
29:08
I was at dinner with a couple like six months ago and we're talking and they have their second baby
29:15
and the smallest house and the guys when you guys gonna get a bigger house move closer to us and
29:21
they go yeah I don't think we can afford it and now probably it's not a good time and I go I know
29:25
you can and they go well what would a payment be on this or what would a payment be on this so I
29:29
pull out my mortgage calculator my app with a loan officer I now refer all my business to so I
29:34
pull out the calculator and I showed them different payments with 20% down and 10% down and they're
29:39
looking at the payments going oh my god we could totally afford this and they kept raising the price
29:44
and raising the price like we can totally do this well what do we do next and at that point right
29:49
there if I'm just a consumer and I'm with a friend who wants to buy a house how do I connect
29:55
them to a lender and a realtor and how I make it memorable were that that my friend is still
30:00
gonna remember them and how would how's the person I want to refer them to even gonna know
30:05
so right there I pull the open up Drew's app hit share refer put their name and numbered hit send
30:10
put a little quick note to Drew so that way my friends got Drew's app on their phone
30:16
Drew got a notification saying hey Ryan just referred you to Justin and these now they can make
30:21
that connection and I did the in Derek mentioned we have one for real sedations as well so I did the
30:26
same thing with the real sedation I worked with in our market I said hey now you want to talk to a
30:30
realtor in this market Sarah's the best I pull out Sarah's app hit share for sent to both of them
30:36
so just right there in the spot when they were thinking about it I was able to connect them with
30:39
a good lender and a good realtor and both parties were notified so the connection was made faster
30:44
more efficient that's a great process and from a point of differentiation as well in the local
30:49
market we want to rise above the noise as an L.O. how do we differentiate ourselves you know obviously
30:54
we know rates and not so much programs at plus and minus a few percentage points maybe so then
30:59
we've got right we close fast close on time of course I know the movement mortgage value prop
31:05
there and that's an awesome one but when it gets right down to it it's it's all about that end
31:08
user experience and I could just see right I don't know if you've done this Derek like classes
31:13
so what's the why is it different to work with Derek and the team all the other reasons you
31:18
would already normal state but then additionally let me show you an app we have to make a user
31:22
friendly to make it easy for you guys to share refer clients oh by the way realtors if you want one
31:27
of these like it said earlier there's one of these available for you if you want to learn more about
31:30
it let's get together it's just that's another platform just to even have a meeting with an agent
31:34
you know once they see this one of the piece that seems really small but when I was originating got
31:39
the best reaction from my partners and my clients was how easy it was to stay connected with me and my
31:46
team so just looking at Derek's app he has himself as a main concept and is is your assistant still
31:53
Steven Derek? Yes Steven I actually had updated it when I when I had it got a new LWA you know
31:59
about six months ago so yeah so it's got my it's the current information to my current LWA
32:03
perfect so at minimum if one of Derek's clients is they're in the pre-approval process or in
32:09
contract or even afterwards if they ever have questions for Derek and his team instead of them
32:14
having to plan all business cards which are not good at bottom or go into their contact list of
32:19
their phone and try to scroll through and try to find his name and information they can just open
32:24
up the app hit contact me and team they can call Derek text Derek email him or call Steven as
32:29
assistant to get any questions answered fast and immediate as opposed to tracking down that contact
32:37
information which is about making it easy for people to think of us remember us and do business
32:43
with us and that easy connect piece I think is that is a small but really powerful piece that
32:48
loan officers clients and realtors seem to really like yeah one other thing I'll point out as well
32:53
is that on the on the other page the one all the way at the end you know there's a lot of links
32:57
for different things to put on there so I put all the links all to my social media because I
33:01
use social media almost exclusively for business I actually have a separate Facebook account for
33:05
friends where I can you know maybe get a little bit more loose than I would otherwise but you know
33:09
I I'm a big Facebook LinkedIn guy and you know I'm always real tight about not discussing anything
33:14
controversial on there and keeping it all prosperous and everything else but you know I've spent a
33:19
lot of time to build up my social media like I you know I got up to I don't know whatever 4,000
33:24
contacts on Facebook 7,000 on LinkedIn but I also went and got a lot of reviews okay like Facebook
33:29
I think I have 90 some five star reviews on there you know so sometimes people like to see things
33:34
in multiple spots so even though on the homepage I've got my Zillow link and that's kind of good
33:39
because they can write whole full paragraphs and stuff about me and the like but a lot of people
33:43
sometimes like to dig a little deeper on a person and even if you don't give a max just they'll try
33:47
to do it on their own like they'll try to look you up on social media and see if they can find
33:51
and see if you look kind of like you know like respectable and everything looks straight and
33:54
you're professional and in your posts and everything else so all my posts are for the record or I
33:59
you know I make them all public like I don't I don't hide anything I'm always talking good stuff
34:03
but I link it there on that last page so I link them to all of those different ones to Google plus
34:09
I don't think I have my Yelp one on there but I don't have a ton of reviews on Yelp but I do
34:13
Facebook and I do Zillow and I do a bunch of other things and I think that if they were one of
34:17
these nervousnelly types that you know a little bit scared about this and don't want to you know
34:22
jump in until they feel a good feel about a person I have had people come back and tell me later
34:26
and say that they did check out those other links and then once they saw that I got positive reviews
34:31
on all of those different spots is that's when the moment that they felt like they wanted to do
34:35
business for me so you know even though that's not like one of the primary things that's on
34:40
that that you would use this app for you never know what little thing it is that sometimes makes
34:44
a person interested and want to do business for you and if that's looking at my Facebook
34:47
so be it that's why I'm spending the time on it that's why I build it up and try to make it look
34:51
good you know I'm trying to use every lever at my disposal trying to be like Bill Bella check man
34:55
you know the devil you have to do a lot of little things right you have to plate your balls
34:59
correctly you got to do everything oh jeez I thought that was going to be a positive
35:03
patreon it's comment there man that's what we do I see I'm from New England man now it's
35:10
getting dirty on here no that's I'm so glad you you pointed that out as we wrap up here Derek
35:22
because to your point actually that is the currency of trust today is the online reviews and
35:27
people are stalking you online they are looking at your Facebook page they are looking to see
35:31
what your presence is the content you have because that's how they build trust and like ability so
35:36
the fact that this app makes it easy to connect directly into those various platforms is just that
35:42
much better and I've just just navigating around while you're talking about that yeah I'm clicking
35:45
over to your Facebook page your Twitter your LinkedIn and you know the biggest point you made is hey man
35:50
this guy's out there he's everywhere oh that that builds trust you ever look up a loan officer
35:55
and you can't even find him anywhere on the internet that's scary yeah I know exactly right how good
36:00
can they be same thing with real estate agents I'm always skeptical of him I can't find him right
36:05
I'm like why why aren't you on Facebook something's wrong with him and I'm gonna wait I talk to a
36:09
loan officer every single day and it mases me how little content is out there for a vast majority
36:17
of loan officers it's pretty wild yeah and and you know there's a saying that we have in the real
36:21
state industry when I do these classes for agents it's like what's more important you know being being
36:26
known or being knowledgeable and you know you know well you know the answer is being being well known
36:31
right because it's one great you got anybody know a realtor who's like doesn't follow up as well
36:35
as you not as right doesn't care as much as you not as knowledgeable as you but guess what they're
36:40
everywhere what's the perception if you're everywhere you must be successful you know you must be
36:46
somebody right yeah exactly right and that's the perception today we need to be online and be
36:49
everywhere yeah and on that particular side of it I realize this goes off a little bit today's
36:54
conversation but if you ever want to bring me on for a future one yeah I do have a company that I
36:58
work with that does relationship management for me so every time I have a closing they send out a
37:02
link to them to to Garner those reviews and then they they push them all out to the different
37:07
sites that I work with they also every single day post on my Facebook and Twitter you know
37:11
relevant content and they're incredibly affordable so like you know if you want to do this for
37:15
another meeting by all means I'll be happy to share with you the company that I use because they
37:20
do some great stuff all right you got to put it out there now who is it come on all right all right
37:24
so it's digital media nations the name of the company the relationship management side of it is
37:29
only thirty nine dollars a month and then the Facebook and Twitter posting is in another thirty
37:33
nine dollars a month so like I said this is not Frank breaking stuff but the company's called
37:38
digital media nation the owner is a gentleman by the name of Chris Nell Grove I don't know if you
37:43
want to have people reach out to me and I can give contact information I'll do it but it really
37:47
helps me a lot because how it works is is every time I have a closing I send them the link if
37:52
they can rate me on a scale of one to five stars if they give me a four or five stars then it
37:57
then points them in the direction of all my other social media sites so that they can share that
38:02
information out there with everybody else in the world but if it's a one two or three it takes
38:06
them to another page and allows them to vent and share what they didn't like about the situation
38:11
so at least like they felt like they got it off their chest and they had an opportunity to be
38:15
heard so they don't feel like they have to go out there and trash me online so thankfully this
38:19
doesn't happen very often but let's face it you can't make a hundred percent of people a hundred
38:23
percent happy a hundred percent of the time or whatever you're saying is so you know in that
38:27
particular case it's it's nice to have a situation like that where I can have a little bit more
38:32
control over both positive and negative comments and at thirty nine dollars a month that's like
38:37
nobody's crying about that from a cost price well there you go digital media nation we'll put it
38:42
in the show notes awesome okay gentlemen I appreciate it very much we are out of time so
38:48
as we wrap up I wanted to Ryan allow you a chance to share we'll put it in the show notes how
38:53
people should reach out to you to learn more about your app and what you guys do yeah they can
38:57
always go to www.card.tap c-a-r-d-t-a-p-p dot com it's card tap dot com or they can call me directly
39:07
at four two five nine four seven nine two seven three as forty five nine four seven nine
39:14
two seven three awesome and Derek if they want to check you out on the web what's you got multiple
39:18
places to go where do you want to send them yeah you know I mean I don't know like it's pretty
39:23
most part anybody's always welcome to call me like they want to talk through this a little bit and
39:26
see what I think about you know this maybe they feel like I'm not being fully candid and this
39:30
arena and want to you know pick my brain on the side about maybe what I don't like which can't
39:34
handle it there's nothing I mean if it were free I suppose it would be nothing but regard it's
39:38
definitely worth what I pay for it I wouldn't keep renewing every year so they're welcome to call me
39:42
my number seven seven zero seven one three eight four eight two and if they want to reach me it's
39:49
Derek dot bandamit movement dot com they're more and welcome to email me out to I'm in the Atlanta
39:54
market if anybody wants to chat be more than happy to do so awesome so thank you guys very much
40:00
appreciate it I think it's been a quick you know education on getting mobile friendly and one of the
40:05
best apps out there for doing so in a way that also helps us drive business and create more opportunities
40:11
for us in the field as loan officers after all that's what this podcast is all about so for you
40:15
listeners thank you for tuning in hope you like this week's episode as always if you haven't
40:20
subscribed please make sure you do so leave us a rating on iTunes if that's where you're listening
40:25
and once again I appreciate you so we'll see you on the next one bye for now thanks for listening
40:32
to mortgage marketing radio one more truth in mortgage marketing get more free training and resources
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