Thank you!

1. I believe in breakthroughs

2. Sales is more science than art

1.Good is the biggest enemy of GREAT

“10X companies performed 32 times better than the general stock

market.”

• Mortgage folks have short memories• What have we forgotten?• Mortgage biz is brutally cyclical…but always recovers..• Some challenges are short-term and survivable..• There are longer term forces when pulling together will

change the way we do things…

Bottom Line.Darwin is right, “eat or be eaten!”

Eat or be Eaten? Mortgage=Bacteria

•Housing at the Tipping Point… •Significant Opportunity for Originators•Four models to consider•What should I do to prepare for ‘12!•WWBD…Bill Dallas Top Twelve for Twelve

1. Own main street2. Own the relationship3. Own the home ownership experience4. Provide unique tools and products to power

and simplify the experience

“It’s not the strongest or most intelligent that survive…but the one who is most responsive to change.” Charles Darwin

DELIVER SIMPLE MORTGAGE SOLUTION THAT EXCEEDS OUR CLIENT’S EXPECTATIONS

Imperative 1 | Must deliver a unique online experience

New iPOS that delivers the next generation of lending…

•100% consumer self-service functionality that pays consumer for each online step

•Loan Officer tool that increases productivity, service levels and customer collaboration (think Flo and Progressive!)•Fixes our current “baggage claim” process

Cloud /InternetCloud /Internet

Loan DataLoan Data Account Data

Account Data

Party / Borrower

Party / Borrower

DocVaultDoc

Vault

Authenitcation /Fraud DetectionAuthenitcation /Fraud Detection

Pricing EnginePricing Engine

Credit DataCredit Data

VOE / VOIVOA

VOE / VOIVOA

PayoffPayoff Loan Quality Services

Loan Quality Services

Title / EscrowTitle / Escrow

ValuationsValuations

Doc PrepDoc Prep

OCL Portal Platform

Data

Investors • Consumer• Lender• Realtor

Workflow

LOSLOS

TransactionPointTransactionPoint

RealECRealEC

MSPMSP

To Get Started, Consumer or LO provide some simple data points to allow system to select the best loan product.

Based on information provided by the consumer or LO the system identifies a variety of products that meet their needs

Credit for doing stuff!

The consumer or LO can easily view the cost / credits associated with any product.

Consumer earns credit helping out. It’s easy, transparent, saves the consumer money…me and my loan.

Consumer can view all programs and see “live” pricing…can you say Google Mortgage!

Imperative 2 | Must deliver a unique and value loan officer and borrower

experience

Don’s Borrower Experience See how easy & fast you can create a

great borrower presentation See a online EDGE borrower presentation See how you use VIDEO to deliver unique

value See loan officers can monetize Social

12 for 12 1.Purchase2.Harp Help3.Written guarantee4.Upfront savings & lowest cost5.Fun, easy and 100% hassle-free6.MSA…focus on listing not purchase7.HBO…offer monthly “home buyer opportunity” seminar

12 for 128.Call center mentality…12 calls per day9.Deliver a unique online borrower experience 10.Execute a unique and valuable experience between loan officer and borrower 11.Master CRM as a company and make it easy for loan officers 12.Make compliance your friend

Why now is the best time to be a serious mortgage professional – Markets are stabilizing– Many markets experiencing real HPA– Affordable…historic low rates and prices– Best time to buy…ever!

The Mortgage Experience

REINVENTED

The Ultimate Borrower Experience

5 keys to the ultimate experience 1. Good questions 2. Mindful of freedom point 3. Graphs and charts 4. Cost over time 5. Rich media experience

3 biggest mistakes most loan officers make

1. Lack of consistent process & system 2. Only highlights rate, payment and

closing cost 3. It’s not easy or valuable to share

We Are The Social Network

“There are more Internet connected devices than there are American's”

94% of home owners start their search online

150 million in US

44 million in US

119 million in US

the average professional service creates just $175

Average Mortgage Professional comp per transaction is $2,000+

“Despite all this opportunity 90% of mortgage professionals aren’t

monetizing social”

In just 9 weeks 50,000+ Mortgage Coach Edge presentation have been viewed…thousands of clicks coming

from Facebook & Twitter

Introducing…

Designed to make monetizing your social presence and activity easy

With a special formula of tools, content and coaching

Instant Business PresenceEDGE Social Streaming

Quality Content Coaching

EDGE Social Streaming

Bring your best SUCCESS STORIES to life

Instant Business PresenceEDGE Social Streaming

Quality Content Coaching

Good vs. Great

vs. ?

Average

Good

Great

Take a good look at Social Pro today…

Take a good look at Social Pro today…just by reviewing Social Pro you will learn

something that will make your social presence and activity better

800-485-7251

800-485-7251

Good vs. Great

vs. ?800-485-7251

Average

800-485-7251

Good

800-485-7251

Great

800-485-7251

Take a good look at Social Pro today…just by reviewing Social Pro you will learn

something that will make your social presence and activity better

800-485-7251