Latest / Mortgage Marketing Radio / Ep #15: Sam Parker My Credit Guy

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Ep #15: Sam Parker My Credit Guy · Mortgage Marketing Radio

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1:17
Hello, hello, loyal listeners, Jeff Zimfer, your host of mortgage marketing radio.
1:30
Hey, thanks for tuning in to another episode where we bring you truth in mortgage marketing.
1:37
And on this episode, we continue along with truth.
1:41
And I think a relevant topic, we're talking about credit, restoration, and credit repair.
1:47
Yes, a topic that is sometimes couched in sketchiness, shall we say.
1:54
So I'm bringing you here today, a new friend of mine, Sam Parker, who's the founder and CEO
1:59
of my credit guy, credit restoration.
2:03
And I met Sam actually at the mortgage marketing mastermind summit in Las Vegas recently
2:07
and just connected as a matter of fact, I thought Sam was a great guy because he invited me
2:11
to an awesome party.
2:13
So how can you not want to be friends with somebody who invites you to the best party
2:16
at the mastermind summit in Vegas.
2:20
But beyond that, I wanted to have Sam here because I wanted to clear up some confusion,
2:27
perhaps some preconceived notions that you as a mortgage loan officer may have about
2:31
credit restoration because they are not all created equal.
2:34
And yes, there are a lot of probably fly by night shady companies and then there are
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a few stand out bright shiny lighthouses, if you will, that really rise above that noise
2:47
and are doing some really incredible things.
2:49
So if you haven't checked out mycreditguy.com, go do so while you're listening to this interview
2:54
because you're going to see some incredible testimonials from both loan officers and
2:58
consumers.
2:59
I'm talking about what Sam does is he gets people back to the closing table, ASAP, right?
3:05
He's legit.
3:06
He's solid.
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He's authentic.
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He's helping to clear up some of the bad perceptions that are out there, but he's giving
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a really solid advice and he's got a great process and a great program, both for consumers
3:17
and mortgage loan officers to be able to put one or two extra loans back in your closed
3:22
funnel pipeline, fundings every single month.
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So without further ado, let's transition over to this week's episode of mortgage marketing
3:30
radio with mycreditguy.
3:33
Hey, Sam, welcome to the show.
3:37
Hey, Jeff, thanks a lot for having me.
3:38
I appreciate it.
3:39
No, my pleasure.
3:40
Now you're busy.
3:41
You just flew in from somewhere and boy, your arms are tired.
3:45
I had to use that old joke, but so let's get started here.
3:49
We're obviously here talking about credit repair, credit restoration.
3:51
And I wanted to have you on in particular because you and I connected at the recent mortgage
3:56
mastermind summit in Las Vegas and it's actually surprising that we connected with the thousands
4:02
of people that were there.
4:03
But you and I, I think what happened was you invited me to a party and I was like, I
4:06
am in.
4:07
This guy's a good guy.
4:08
Yeah.
4:09
Yeah, that's always a good way to meet people and buy them up for some free drinks and a cool
4:15
party.
4:16
Yeah, and it definitely was.
4:17
It was right at the best party, the whole shendig there.
4:20
So credit repair credit restoration, I think it's a very important topic and I wanted to
4:25
take it head on because who out there is the loan officer listening right now, doesn't
4:29
face those situations, even with FHA and we've got some leeway when it comes to qualification
4:36
requirements.
4:37
There's still, every day you see it, obviously, people who just for whatever reason because
4:41
of credit issues can't qualify right now, but perhaps can qualify with just some, some
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little bit of cleanup.
4:48
So I want to, first of all, you know, address that and kind of set the stage for that's
4:52
what we're going to talk about.
4:53
But if you would for our listeners, maybe just give a brief background of, you know, who
4:57
you are, how the heck do you get into this business and who ultimately do you serve?
5:01
Yeah, absolutely.
5:03
I kind of fell into this business, honestly, when I was 19 almost 20 years old, I was working
5:10
as a telemarketer for MCI phone company and I don't really know how they get a hold of
5:15
it, but anyway, a head and a hunter called me said, hey, we hear your decent on the
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phones.
5:19
Would you like to come and, you know, help help start a credit repair company at the
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sales side of it?
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And I was like, wow, this is an excellent way to have an excuse to stop going to college
5:30
because I was supposed to go back at, you know, at the end of the summer and my parents
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won't be mad at me if I can say that I'm pursuing a career.
5:36
Well, they were mad at me anyway, but it's, I didn't worry about that.
5:40
And I ended up, you know, going into something for, for that reason, but then really falling
5:45
in love and becoming very passionate about, you know, helping these people.
5:51
And so when I was 20, 20 late 20 almost 21, I went off and I started my own company, grew
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that up for about four and a half years, sold off to a competitor, worked with them for
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a while, and then left and launched my credit guy credit restoration.
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And then that brought me out here from Iowa, out here to Arizona.
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And you know, our brand right now is, you know, just, we're doing really well.
6:16
You know, we're kind of synonymous in the mortgage industry with closings and then that's
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what we're going for.
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So who we're here to serve, you know, it's kind of two levels.
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I mean, the first level is that, you know, we want to work with our lenders and help
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as many of our lenders and realtors get back to the closing table as many times as we possibly
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can.
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And you know, the people that work with us are finding that that's, you know, a regular
6:39
occurrence.
6:40
You know, our goal is to help each one of our referral partners close a minimum of one
6:43
extra transaction a month.
6:45
And we try really, really hard to maintain that.
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And as long as we have a, our participating referral partner that sent in the leads over
6:52
to us, it's pretty easy to make that happen.
6:55
And then on the second line of things and where we really get to feel good and sleep on
7:00
a salt pillow at night is our clients.
7:02
You know, the people that have been told know by, you know, a credit card company or bank
7:07
or another mortgage lender and then they finally get somebody a lender that's willing
7:11
to just refer them over to a good company.
7:14
And then we're able to fix them up in a matter of months, get them back to a closing table
7:18
and I mean, you've never seen a more grateful client in your life than that client who
7:23
was told know and then comes full circle and gets to the closing table.
7:26
So yeah, it's, it's definitely a rewarding career that I have.
7:31
Yeah.
7:32
And I can tell your passion about it.
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I'll tell you.
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And it's a rare find to find somebody passionate about this.
7:37
Yeah.
7:38
Yeah.
7:39
So let's, you know, originally when you and I talked, like, you know, in terms of talking
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notes, I think I put something together that said, like, you know, truth and lies about
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a credit repair.
7:48
And so naturally when somebody hears, you know, credit repair, credit restoration, there's
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probably some preconceived notions that pop up for people on that.
7:55
So why don't we address some of the misconceptions or how you guys are different than how you
8:03
overcome those preconceived notions out there?
8:06
Yeah.
8:07
Well, you know, unfortunately, the notions about the credit repair industry in general aren't
8:12
too far off.
8:14
We have a history of, you know, having some bad players that, you know, of course, the
8:18
bad ones get all the press.
8:20
There are a lot of good credit repair companies out there.
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But the problem that comes is that a lot of them charge up front, which is against the
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federal guidelines, the CROA, the credit repair organization access that you're not supposed
8:32
to charge until you've provided services to a client.
8:34
And so many of them will try to kind of skirt around the law and they'll say, oh, well,
8:38
we're charging for this on either they'll ignore the law and just charge right up front
8:42
anyway.
8:43
They'll hide behind maybe a state statute or something like that.
8:46
Or they'll say, you know, well, our service is to enroll the client and enter them into
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our system.
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And so we charge on the third day of service.
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It's like, well, come on, you know, that's that's some gray area that you're just playing
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around in.
8:59
So that's one of the things they charge up front, but the biggest thing and the reason
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that most credit repair companies actually get shut down when they do get shut down is
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over promising of services or false advertising.
9:10
And so you'll have all these companies run around out there that say, oh, yeah, I can
9:14
do this.
9:15
Or, you know, I can get, you know, right on their advertising, they'll say, that judgements
9:18
late pays, you know, bankruptcies, no problem.
9:21
And that's just not how you're supposed to do it.
9:24
It's that if an item is inaccurate, outdated, duplicated, erroneous, something like that,
9:30
then you can claim to be able to get it removed.
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Otherwise, you know, you got to hear the whole story and really dig into that item before
9:36
you can claim to be able to get it removed.
9:38
And, you know, in the mortgage world, why credit repair has a bad name is because, you know,
9:43
a lot of credit repair companies are black holes.
9:45
You know, you send leads over there and either they never come back or they take, you know,
9:48
six to 12 months to come back.
9:50
So that's, you know, that's where the bad name comes from.
9:53
Yeah.
9:54
And, you know, for those that are listening right now, if you're wondering, you know,
9:57
is Sam, can he back up what he says, you can go to his website at mycreditguy.com and
10:02
look under reviews, he's got it broken down to both referral partners and consumers.
10:06
And I'm just scanning through a few here right now.
10:08
I mean, I'm just just really real quickly, right?
10:11
Scores went from 609 to 683.
10:13
Now we're using that to qualify, sweet, everything's better.
10:18
Not just pulled credit, no disputes, midscore, 643, we got a brand new one that just came
10:23
in a couple of weeks ago, now working on a complete review for his pre-approval.
10:28
And I'm just scratching the surface as far as those stories goes, not even getting
10:33
into the consumer side of things, you know, I got to wonder, why would a mortgage loan
10:41
officer professional be reluctant to engage your services?
10:45
Well, a lot of it's just misinformation and it's either that they think that all credit
10:49
repair, every time I talk to a lender these days, you know, they say, I tried that in
10:54
the past and it didn't work and it made me look totally understandable.
10:58
They work long and hard to make sure that their reputations intact and that they look great
11:02
and that they're portraying that to the public and their referral partners.
11:05
But there's no sense, you know, what I think looks worse for a lender is to not be able
11:10
to get those tough deals done than to try and then maybe have to try again.
11:14
So a lot of it's just their past and they just need to kind of, you know, not to sound
11:19
insensitive but just get over it and move on and work with a great company that has a great
11:22
reputation.
11:25
The other thing is that there's a lot of the education levels about credit, whether
11:34
it's for a loan officer or especially for the consumers in our country is so, so low.
11:41
You know, just it's just not taught the way that it needs to be and so on that same, you
11:46
know, a lot of loan officers think that when they're doing their, what if simulators
11:50
or their rapid rescores that they're doing the same thing that we would do and that's
11:54
not our service at all, we don't even have the ability to do the rapid rescores.
11:59
Those are, you know, products of the credit vendor that you're pulling credit through.
12:02
So when I go through and I explain, you know, what an MOP rating is and how that, you know,
12:06
a paid collection can still affect the scores just as much as it never has or that, you
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know, paying off a collection can drop the credit scores and here's why, then they start
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to realize that those rapid rescores are great when they applaud when the situation calls
12:20
for it, but they're very surface level.
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And so once they see that we can go a lot more in depth, then their eyes really open
12:26
and then those referrals start coming over, you know, kind of fast and furious.
12:29
Right.
12:30
So let's then talk a little bit specifically about what you do.
12:33
You think that makes you different as a credit restoration company?
12:36
Yeah.
12:37
Well, everything that we do is at a sprint because what we are doing is catering to
12:42
the lending and real estate community.
12:43
So our job is to get you closings as many of them and as quickly as possible, you know,
12:48
as we possibly can.
12:50
So a lot of times what credit repair companies do is they'll make this into a process where
12:55
their business model is, hey, show you some results.
12:58
But, you know, let's keep that client in for six to 12 months because the, you know,
13:02
the company makes more money that way.
13:04
Where what we do is we kind of front load the service.
13:07
And so usually our clients are back the lender, you know, within two to three months or
13:11
so.
13:12
And maybe four or five at a long, you know, would be a longer term with us.
13:19
So what we do is just get in there.
13:21
We do the disputes.
13:23
We don't do blanket disputes that way.
13:24
You don't end up with a bunch of dispute verbiage on the credit report at the end.
13:28
So we're very pinpointed with our, with our disputes and how we're disputing them.
13:31
We're, you know, instead of saying this account isn't mine or something very general like
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that, which unfortunately is kind of the, you know, some of the industry norms with doing
13:41
blanket disputes.
13:43
But, you know, that way we could go in and actually pinpoint violations of the Fair
13:47
Credit Reporting Act, the Fair Debt Collection Praxis Act, things like that.
13:51
If items come back as verified, then we can assist the clients with negotiating settlements
13:55
and pay for deletions to save a money.
13:57
We help them establish new positive trade lines and teach them how to use them and we
14:00
do a ton of credit education and budgeting.
14:02
So that way by the time they're all done, they're a very knowledgeable client.
14:06
They're a better borrower with a better credit score, but then they don't fall back in,
14:10
you know, to these, these pitfalls that they put, you know, that have put them in this
14:14
place.
14:15
But by doing all those things at once, all the same time, that's going to get that client
14:19
back to you much faster than, you know, attacking a few items here or a few items there and then
14:23
covering something else on month four and five and six.
14:27
So.
14:28
Yeah, that's good stuff for sure.
14:30
So then how do you, how would you suggest or how have you advised in the past a loan
14:34
officer take a topic like credit restoration when positioning themselves?
14:41
Let's say can loan officers use having an affiliation with you as a unique selling
14:46
advantage?
14:47
Yeah, I absolutely would.
14:48
I mean, when I talk to the realtors and we do business with a ton of realtors as well,
14:53
but you know, when I asked them, I say, you know, have you ever sent a file over to a
14:55
lender and you get the answer back, hey, sorry, the scores aren't good enough at this time
15:00
and then the deal's dead and they say, yeah, all the time.
15:03
And when I tell them, did you know about companies like ours and they're just like, well, we
15:06
had heard about it, but the lender says they'll take care of it.
15:09
And they find out that that lender did not give them that resource of making sure that
15:14
that deal was, you know, that they had done everything they possibly can for it.
15:19
The realtors are upset, you know, they, they, so I would definitely market it, you know,
15:23
not only to your referral partners, but also to the community of, hey, listen, if there's
15:28
credit issues, come on over, we would love to help you out and we have resources for you.
15:33
I mean, some of our lenders even do credits, you know, they do a lender credit at the closing
15:37
table to reimburse them for some of the costs, you know, and they don't have to do that.
15:41
But there's definitely ways to use your affiliation with a great credit repair company to increase
15:46
business, you know, not only get the deals back that are already in your pipeline that
15:51
you shouldn't be losing, but also to create more.
15:53
So do, are there any ways that you team up with loan officers to, you know, help them,
15:59
you know, kind of position in affiliation you have with them?
16:02
Yeah, absolutely.
16:03
So we can do customized marketing materials, we can also customize landing pages, just
16:09
to, you know, give that, that great web presence.
16:12
We will actually come out if they schedule us, that will come out, we'll do lunch and
16:16
learns, we'll do first time home buyer seminars.
16:19
So we want to be as involved with their processes, they want us to be, you know, overwork
16:23
when the great lender that says, I am not going to let one of these deals slip through
16:26
the cracks.
16:27
Then we'll bend over backwards to make sure that we're, you know, giving you everything
16:29
that you're asking for.
16:30
Wow.
16:31
Well, that's really cool, man.
16:32
Yeah.
16:33
Education is key.
16:34
And I think that's what you're kind of alluding to through this whole thing, it's the bad
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rap, that restoration agency has gotten.
16:40
So you may or may not know that a lot of what I teach loan officers is, you know, have
16:46
that heart of a teacher and position yourself by providing educational lunch and learns.
16:50
And so that's a great way, just to add this to your mix, right, this topic of credit
16:54
restoration, you know, the do's and don'ts.
16:56
So you have like a deck or anything that they could use?
16:59
Yeah.
17:00
Yeah.
17:01
I mean, if they want to, you know, just email me and then request, I can get them over,
17:05
you know, we have a few different slideshows that can be used, you know, that we can kind
17:09
of white label for them.
17:10
And then also, if they don't want to have to do that, then we can always record customized
17:14
videos for them if they just give us, you know, at least a week in advance and say,
17:17
hey, here's the audience that we're going to be speaking to.
17:20
I'll just record a video for them that they can press play on if they don't want to
17:24
have to go through that, you know, that slide show themselves.
17:26
Oh, that's great.
17:27
Okay.
17:28
So let's talk a little bit about how your process works, right?
17:31
We can talk about pricing in a minute and you can go specific or not.
17:33
However, I know it varies, but when somebody engages with you, what does that process look
17:38
like for the client, you mean, for the loan officer?
17:42
Okay.
17:43
So for the loan officer, it's really simple.
17:44
There's no contract assigned either.
17:45
I do a great job and retain your business or I don't and I didn't deserve to keep it.
17:50
So there's, there's, there's no startup, they go to our website.
17:53
If they have a client, they go to our website, which again, is mycreditguy.com and they
17:58
just click on the client file submission button, they click on that and then they can upload
18:04
a file or just the client's information if they're not allowed to send a credit report
18:07
over and we can always pull a consumer credit report.
18:10
We do a free review and we usually within minutes, we're getting back to the lender to
18:14
let them know if they want to review whether or not we can help, how much we can help
18:18
and how long it's going to take.
18:19
And then from there, the lender can decide whether or not to put us in touch with the
18:22
client.
18:23
I can tell you that usually after the first one or two reviews, they skip the, they skip
18:28
that middle part and then the, you know, the submissions are going to look a lot more
18:32
like, here's my client, here's his phone number.
18:35
And then all they want to do is make sure that we have the ability to contact that client
18:38
and let the client know, hey, listen, you know, mycreditguy is going to be giving you a call,
18:42
listen to what they have to say, you know, whatever, just give us a leg to stand on.
18:46
And then from there, we call the client, we give them a free review, we enroll them,
18:50
they're connected in our system to the lender the entire time.
18:53
So the lender's getting updates plus there's a portal that they can log into to check on
18:56
the status of any one of their clients at any time.
18:59
And then like I said, you know, within a couple months, sometimes sooner, we're getting
19:02
them back to that closing table and letting them know, hey, it's time to repel credit and
19:06
finish this thing up.
19:08
How did your pricing work?
19:09
Is it very based on the deal or how do you want to, yeah, not really more so just on
19:13
length of time because we have set pricing though.
19:16
So we don't do, you know, the per deletion pricing that can end up being very expensive.
19:22
We don't, like I said, charge upfront because it's illegal and you're not supposed to
19:25
do it.
19:26
So what we do is we charge on day 30 of the service and on day 30, it's only $3.99 for
19:30
an individual or $6.99 for a couple.
19:33
So a couple does get a hundred dollar discount and then after that, it would drop all the
19:36
way down to only $89 per additional month for an individual or only one or nine a month
19:41
for a couple.
19:42
And again, most of our clients are in fixed up and back out within two to four months
19:46
of the cost.
19:47
They minimal and in that time, we're also saving them a ton of money both with our deletions,
19:52
you know, because they were probably about to go and pay some items that might have been
19:55
invalid or with the help that we give them with the settlements and pay for deletions,
20:00
we can save them a lot of money there too.
20:01
Yeah, so I'm looking on your website and you offer a free consultation that might have
20:05
been what you were kind of describing just a moment ago, but that's where a loan officer
20:09
can call you and run perhaps a file both by you and see what you think.
20:14
Yeah, yeah, so we tell our loan officers whether you have the credit to qualify and there's
20:19
a lender overlay in your way or it's that you're 200 points shy.
20:24
I don't care.
20:25
I want to look at that file because I want to help you.
20:26
I don't need to get paid on every file.
20:28
We just want to create a relationship here.
20:30
So you know, sometimes I get a file over that says, hey Sam, what do you think of this
20:34
one?
20:35
We can't use authorized users.
20:38
Can you get that removed?
20:39
But the scores are good enough or, you know, hey, Sam, this one's 150 points away.
20:43
What do you think?
20:44
And we'll get back with a detailed game plan of exactly what needs to be done by us,
20:48
what the client's going to have to do to meet us in the middle.
20:50
If there is anything, how long that should take, what that translates to and costs.
20:54
And then, you know, like I said, in some cases, we're just getting back to you and saying,
20:57
hey, listen, do this, pay this down, do a rapid rescore, repel credit, close the loan
21:01
next week.
21:02
So it just depends on the situation, but we'll always give you, you know, free advice and,
21:07
you know, a free review.
21:08
Yeah.
21:09
And so I want to make it clear to those that are listening right now, you know, you are
21:13
not a fly by night company.
21:14
I mean, you've been around how many years?
21:16
Well, I've been doing credit repair for 14 years.
21:19
My credit guy, the brand has been in existence for about four years, two years in Arizona
21:26
that we've been doing, or almost two years that we've been doing business in Arizona.
21:30
Yeah.
21:31
I mean, we're kind of, you know, luckily we've gotten in and created a great name for ourselves
21:37
in the mortgage industry.
21:38
So you see us around a lot at the different national shows and in-state shows and all
21:42
that good stuff.
21:43
Yeah, but you have a team of your staff, it looks like of approximately 15 people, and
21:48
you've got, as you said, you cover the entire country, right?
21:50
Yeah, we're actually up to 18.
21:52
We had to hire three new people this last week because we are fortunate enough to be growing
21:56
at a pretty astonishing rate.
21:58
So yeah, we're all over the place, though.
22:00
I got reps in California, Iowa, Arizona, Wisconsin, and we just hired a guy on in Tennessee.
22:08
So yeah, we're definitely trying to make some moves.
22:10
Well, I think you are.
22:12
I mean, yeah, you're pretty established presence, and you're well connected as well to a lot
22:16
of leadership in the industry like we talked about, which is good.
22:21
So you mentioned what you work with realtors.
22:23
Obviously, you know, you're real main focus if I understand you correctly as loan officers,
22:26
but when you do direct stuff with realtors, yeah, we do, but I mean, to make the process
22:31
easier for them, what we're usually doing is trying to connect with their lender of choice
22:36
or lenders of choice.
22:37
So just make sure that it's a smooth process for the realtors rather than having the realtors
22:41
learn, because we definitely operate more in the mortgage world and speak the mortgage
22:46
language, which then we do the real state world.
22:49
And so to try to have a realtor come in and kind of go in depth in that, we're kind
22:54
of asking them to do, you know, to become familiar with two different worlds that they
22:58
might not be familiar with.
22:59
And so it's much easier in an easier process for the realtor and the client if we just
23:04
make sure that that lender that that they work with is on board.
23:07
But yeah, realtor can also send me a client directly.
23:10
It doesn't have to be through a lender.
23:11
Right.
23:12
Okay.
23:13
So what lights you up about this business in a good way?
23:21
Yeah.
23:22
Yeah.
23:23
It's in a good way.
23:24
Yeah.
23:25
Yeah.
23:26
You know, I really do.
23:27
I love seeing the impact that we have on people's lives.
23:29
I mean, there's, you know, at the end of the day, the American dream still, one of
23:34
if not the biggest staples of it is owning your own home and having your family be comfortable
23:39
and safe and just have that feeling of security.
23:43
And so to take somebody, I mean, you got to put yourself in those shoes if you've ever
23:47
been in them and to go somewhere and say, hey, my family just got bigger.
23:51
We just had a baby and I need an extra room and we live in an apartment.
23:56
And for somebody to sit there across the desk from you and say, no, you're not good enough
24:00
and I don't have any options for you.
24:03
I mean, that's horrible.
24:05
That's heartbreaking for that person.
24:06
And so to take somebody from that lowest of the low feeling to where they're taking their
24:12
family through their brand new house and showing them, hey, you know, this is going
24:15
to be your room or, hey, honey, this is the kitchen.
24:17
And that you always wanted something like that.
24:18
I mean, that's, I get tingles every time I even talk about it.
24:22
I'm so thrilled to be able to provide that to people.
24:25
Wow.
24:26
That's awesome.
24:27
Yeah.
24:28
I encourage people listening to go check it out on the website, microdicci.com.
24:30
I'm just reading the consumer testimonials on there.
24:32
And what's great is that you guys are staying updated and current on that.
24:36
You know how you got a lot of websites and the testimonials are from four years ago.
24:40
Yeah.
24:41
Well, you have one on here from today.
24:43
Oh, yeah.
24:44
Yeah.
24:45
Yeah.
24:46
That's pretty awesome, man.
24:47
You guys are on it, right?
24:48
I mean, so clearly you guys are making a difference out there and, you know, I think doing
24:53
it from an ethical standpoint.
24:55
And that's why I said I wanted to bring it on, right?
24:57
Because usually you can, you know, you get your radar up.
24:59
You can tell if somebody's coming from the right place.
25:01
And particularly when you're dealing with with credit restoration, you maybe have to have
25:05
a few extra radars up.
25:06
But, you know, when I met you and who was, who was also that was at the event with you?
25:14
Zach.
25:15
Yeah.
25:16
Yep.
25:17
Yep.
25:18
Yep.
25:19
Yep.
25:20
My VP of sales and marketing.
25:21
Yeah.
25:22
Yeah.
25:23
You guys are rock solid.
25:24
You're straight on.
25:25
Thank you.
25:26
Any last things you wanted to share with the listeners?
25:27
Obviously, one more time.
25:28
How do they get in touch with you?
25:29
Yeah.
25:30
Our numbers 866-726-7339, or you can just go to mycreditguy.com or you can go to Facebook,
25:37
mycreditguy, and see all of our testimonials and all that good stuff.
25:42
You know, at the end of the day, I just try to, you know, to really preach, you know,
25:46
if you will to our lenders and say, let us get a look at the files that you're having trouble with.
25:51
It's free review.
25:52
Give these clients a second shot.
25:54
Even if you think you know, you know, a way to get them there, I mean, I understand that
25:58
the loan needs to get done and that's the first and foremost thing.
26:01
But to slap a bandaid on something and get them to a 621 when you need a 620 to qualify,
26:06
their life isn't still going to be that great at a 621.
26:09
So just let us get a look.
26:10
Even if we need to, you know, let you do your job first and then kind of coming on the backside.
26:14
That client is going to be so, so grateful.
26:16
And we'll definitely save those deals that, you know, are falling by the wayside right now.
26:20
So just, just get us to be part of your process rather than feeling like you're doing something extra
26:24
and you'll be very happy with the results.
26:26
Awesome.
26:27
Well, thank you so much for making time to be here.
26:29
I know you're extremely busy and hopefully the listeners got a lot out of this and I encourage everybody listening
26:34
to go check out mycreditguy.com because everyone here likely has at least one, if not several clients
26:41
coming through their pipeline right now that needs some type of help on this.
26:44
So go check out mycreditguy.com.
26:46
Sam, you rock.
26:47
Thank you.
26:48
Awesome.
26:49
Thanks so much for having me.
26:50
You bet.
26:51
And for you listening today, if you like today's show, make sure you don't miss the next one.
26:54
Subscribe on iTunes.
26:55
Leave us a review if you like it.
26:57
Once again, Jeff Zim for your host of Morgan Marketing Radio.
27:00
Take care and we'll see you on the next one.
27:01
Bye for now.
27:04
Thanks for listening to Mortgage Marketing Radio.
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