The Lending Company of the Future

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The Lending Company of the Future!
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Why a Career in Mortgage Planning?

• Right Place Right Time - Enormous market, steady
  growth, high earning potential
• Timing - High unemployment, many jobs going
  offshore, frequent job changes, low savings rate
• Products services - Over 800 highly competitive,
  debt elimination, wealth accumulation and
  retirement planning mortgage products
• Opportunity - Easy entry, low cost, no
• set hours, high income, residual income
• Industry - Booming market, low
• rates, 1.6 trillion in sales, stable long
• term market
• Markets - Baby Boomers, Retirees, Affluent,
• Investors, First Time and Move Up Buyers

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The Problems of the Lending Industry

• Our industry is changing on a daily basis.
• More and more uncertainties arise concerning the
  future of
• the loan originator
• Computerization, joint ventures, direct lender
  origination are increasingly affecting the way we
  do business.
• This means less business and decreasing
  commissions.

WHAT CAN YOU DO TO JUST MAINTAIN YOUR PRESENT
INCOME?
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JOINT VENTURES
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DIRECT LENDERS
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THE VISION

• To Lead the Mortgage Planning Revolution
• Transcontinental Lending Group will be the
  driving force in the mortgage planning industry.
• We are poised to become the first lender to take
  mortgage planning products directly to the
  households of the American people on a grand
  scale.
• As Wal-Mart, Wendys Dominos, and Burger King
  have been to the retail market, Transcontinental
  will be to mortgage planning,
• becoming the next giant of the decade.
• Transcontinental has the potential to change the
  lending habits of this nation and to build
  financial success for the American family.

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THE MISSION

• Financial Independence for
• our Clients Employees
• We are committed to creating financially
  independent clients and employees. All of our
  resources, leadership, management, physical and
  emotional energies are focused on the mission.
• There are just two steps to accomplishing this
  goal
• Join us as a loan originator or branch manager
  and take advantage of the opportunity to build
  your business within our business.
• Use the unique Debt Elimination, Wealth
  Accumulation and Retirement Planning mortgage
  products of our company for the benefit of your
  family, friends and business associates.

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THE SYSTEM

• Transcontinental Lending Group
• offers a Proven Duplicable Marketing System
• Transcontinental offers you the dual benefit of
  maximizing your personal production with an
  innovative and lucrative compensation plan and a
  proven business format system that helps you
  develop and manage your own team
• Transcontinentals marketing system will allow
  you to plan your future, achieve your dreams,
  create financial security and early retirement.

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TRADITIONAL COMPENSATION PLAN(Based on a 50/50
plan of a Senior Loan Officer)
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TRANSCONTINENTAL COMPENSATIONAL PLAN

• There are many ways to receive commission!

• Affiliate Branch Manager Commission 90 on
  closed loans
• Senior Loan Officer Commission
• 50 to 70 on closed loans
• Loan Officer Commission
• 40 on closed loans
• Loan Associate Commission
• 25 on closed loans
• Management Overrides
• 10 to 65 Management overrides

• Three Streams of Income
• Personal Loan Production
• Management Overrides
• Residual Profit Sharing

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PROFIT SHARING BONUS
Calculation for Profit Sharing Bonus Pool
Gross Commission Income to TLG
2,000,000 Profit Sharing Bonus (5)
x 5 Profit Sharing Pool 100,000
Calculation for Profit Sharing Bonus Pool of Your
Recruit
Gross Loan Volume (GLV) of your Recruit
1,000,000 Divided by GLV of TLG
80,000,000 Percent of GLV Attributable to your
Recruit 1.25 Total Profit
Sharing Bonus Pool 100,000 Profit
Sharing Bonus Pool of Recruit
1,250
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PROFIT SHARING BONUS

• Level - 1 26 325.00
• Level - 2 20 250.00
• Level - 3 17 215.50
• Level - 4 07 87.50
• Level - 5 13 162.50
• Level - 6 17 215.50
• Total 100 1,250.00

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Would you like to Create Your Own Sales Force?

• Now, you can earn income for your personal
  production and income for training new loan
  officer recruits, plus you can earn a percentage
  of the commissions generated by each new loan
  officer recruit you train and supervise for the
  company.

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Senior LO Responsibilities

• To provide an atmosphere of support and
  encouragement for the program
• Encourage participation at sales meetings for
  updates and mortgage information
• Mentor LAs and LOs
• Keep Branch Manager apprised of progress of
• LAs and LOs

Branch Manager Responsibilities
Supply all of the amenities and office needs of
LAs and LOs
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Realtor/Loan Officer Responsibilities

• Order credit report
• Take application (1003) with assistance and
  have disclosures signed
• Shop interest rates
• Order appraisal
• Order title work
• Stay in contact with borrower
• Attend the closing

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The Tale of Two Loan Officers

• Make 200,000 a year for five years Save 10 at
  7 interest, plus recruit 12 loan officers and 5
  branches a year
• Focus - chopping wood and building a sales
  organization
• Your Results - 115,000 in savings, plus 11,750
  a month in team building profit sharing bonuses
• Question 2 - Could you retire and live
  comfortably on this level of income? You dont
  have too retire, but could you retire
  comfortably?

• Make 200,000 a year for five years Save 20
  at 7 interest
• Focus - chopping wood
• Your Results - 290,000 in savings.
• Question 1 - Can you retire and live the rest of
  your life on the interest and principal that you
  saved?

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Team Building Success

• You become a SLO and build a team
• Close 3 loans a month personally 9,660
• You build 4 Loan Associates who each close one
  loan a month 8,280
• Monthly Income 17,940
• Annual Income 213,280

• You become a Affiliate Branch Manager and build a
  team
• Close 3 loans a month personally 11,154
• You build 4 Loan Associates who each close one
  loan a month 12,880
• Monthly Income 23,424
• Annual Income 280,088

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Your decision

• If youre new to the business join us today and
  register for our next branch training class.
• If you are a seasoned loan officer and ready to
  open your own branch you will need to get back
  with the person who told you about our company to
  set up a TLG Branch overview

The big question is where do you go from here?
Register at
www.tlg.bz