Jim Stone

1
Introduction
Fixed Fee Mortgage, LLC
Jim Stone Mortgage Investment Consultant 866-433-6
266 ext.14 jstone_at_4ffm.com
2
Brain Stir True or False

• The average age of a Realtor is over 55?
• The average age of a homebuyer is under 35?
• Communication/Technology Gap
• Only 54 of Realtors use email to communicate
  with clients
• 70 of buyers follow a Realtors referral to a
  lender?
• 90 of mortgages are bad investments?
• Only 14 of buyers use their previous Realtor?

3
Success of Fixed Fee Mortgage

• Growing 54 annually while
• Reducing advertising 75 annually
• 82 of business is referrals from past customers
• 96 of our customers rate our service as
  excellent

Unbeaten by another lender for the past 4 years!
4
Financing Sells Homes
Do you have all cash customers?
Financing Sells Homes
5
Unlocking the Secrets
Unlocking the Secrets
6
Wholesale Interest Rates
Wholesale Interest Rates
Lowest rate without points Identical for every
lender 90 of loans close .25 higher
7
Mortgage Rebates
Mortgage Rebates
Yield Spread Premium .25 in rate 1.25
YSP 300,000 3,750 rebate
8
Seller Paid Closing Costs
3 of purchase price with less than 10 down 6
of purchase price with 10 down 2 of purchase
price on NOO 6 on non-conventional
9
Grow Your Business
Using Mortgage Rebates Seller Paids to Grow
Your Business
Negotiating Seller Paids Low Appraisal Scenario
(100) Buyers Financing Is Denied
10
Why Refer Clients
Why Refer Clients to FFM?
Nations leader in consumer education Undefeated
in total costs of financing 30 minute loan
approval process 96 customer satisfaction
Jim Stone Mortgage Investment Consultant 866-433-6
266 ext.14 jstone_at_4ffm.com