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At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth...
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Transcript of At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth...
![Page 1: At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth Third. The statements or opinions expressed are my own.](https://reader035.fdocuments.in/reader035/viewer/2022062401/5a4d1b0a7f8b9ab05998a57b/html5/thumbnails/1.jpg)
Mortgage ChangesAt Fifth Third Bank
Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth Third. The statements or opinions
expressed are my own and do not necessarily represent those of Fifth
Third.
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How Many Realtors Does It TakeTo Change a Light Bulb?
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Old Stories, Rumors, and Facts
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EVERYBODY KNOWS…Bill Gates once predicted the Internet would never catch onDanberry Is The Biggest and
Best Brokerage in Toledo
![Page 5: At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth Third. The statements or opinions expressed are my own.](https://reader035.fdocuments.in/reader035/viewer/2022062401/5a4d1b0a7f8b9ab05998a57b/html5/thumbnails/5.jpg)
![Page 6: At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth Third. The statements or opinions expressed are my own.](https://reader035.fdocuments.in/reader035/viewer/2022062401/5a4d1b0a7f8b9ab05998a57b/html5/thumbnails/6.jpg)
Recent Personnel ChangesI Moved My License To Fifth Third Bank
Elizabeth Kollar, Former SR VP of Mortgages, Moved To NC
Greg Cepek, Formerly at Waterford Bank, Now SR VP, Head of Mortgage
Restructured Processing & Underwriting Processes
New Dedicated MLO / Processor / Underwriter Teams
Inside Promotions for 3 Managers ~ New MLO Team Structure
Dramatic Improvement in Turn Times, On Time Closings!
![Page 7: At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth Third. The statements or opinions expressed are my own.](https://reader035.fdocuments.in/reader035/viewer/2022062401/5a4d1b0a7f8b9ab05998a57b/html5/thumbnails/7.jpg)
Mortgage Programs & ChangesConventional Mortgages with 3 % Down
New Doctor / Established Doctor Loans with 5% Down & NO MI
Construction to Perm Loans ~ Single Closing ~ 10% Down
Portfolio Loans for Business Owners, High Net Worth Individuals
VA Loans at only ½% Origination Fee ~ Others Charge 1%
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Learning from the Past
![Page 9: At Fifth Third Bank Lonn Dugan, Mortgage Loan Originator, NMLS 864293 I am an Employee Of Fifth Third. The statements or opinions expressed are my own.](https://reader035.fdocuments.in/reader035/viewer/2022062401/5a4d1b0a7f8b9ab05998a57b/html5/thumbnails/9.jpg)
Serious System Changes
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Complete Nation-Wide Mortgage Transformation
Implemented Q4 2014
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Internal Process Changes
New Complaint Management Program
Encouraging Complaints So We Can Learn
Powerful Date Tracking Systems
Team Focus on Meeting Contract Dates
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Powerful AlignmentsDedicated Teams ~ Better Outcomes
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Outcomes For Realtor Partners
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Outcomes For Realtor Partners
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On Time Closings!
Application
Underwriting
More Underwriti
ng
Clear To Close
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TILA / RESPA UPDATES COMING
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Hold On To Your HatFirst: Dodd Frank & SAFE Act
TILA / RESPA
Then CFPB Ads Enforcement Teeth
75,000 Programming Hours At Fifth Third Bancorp
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Working Together To IncreaseValue of Realtor Services To Clients
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Help Buyers Save on Interest RateAnd Closing Costs
Other Banks May Charge Points For Great RatesWe Pay Borrowers Up to 1.25 Discount Points
On All Purchase Loans
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Joint Marketing Opportunities
Joint MailingsJoint Postcards
Joint Open House FliersLink Exchanges
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Market Leaders Should Work Together
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Besides: I am former RE/MAX and… You LOVE ME!
The End