Are You Ready?
www.RealFinanceSolutions.com
Ready to build your own Full time or Part-time nationwide business and quit worrying about layoffs?
Ready to focus on helping other people as you help yourself?
Ready to commit to learn a system that will help you reach your financial goals, while helping others reach theirs?
Ready to be serious about your future?
Are YOU…
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Have you ever said… “There’s Got to Be a Better Way to Make a
Living”?
Are you tired of living paycheck to paycheck?
Are you ready to feel good about who you are & what you do?
Have you had enough of negative news in the media?
Are you ready to be part of the solution, not part of the problem?
There’s Got to Be a Better Way
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REAL FINANCE SOLUTIONS invites you to start building an exciting Part-time or Full time career! Become a Consumer Advocate. Be a RFS Consultant and help counsel people on…
FHA, VA & Conventional LoansCommercial LoansReverse Mortgages (homeowners 62 years and over)Loan ModificationsCredit ManagementReal Estate Buyer, Seller & For Sale By Owner
Services
There IS a Better Way
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Founders Patricia & Michael Boyd and their Leadership Team have long been consumer advocates. They have been educating real estate & mortgage professionals and consumers on how to avoid predatory business practices since 1987.
As President, Patricia is committed to helping as many people as possible take charge of their lives.
In 2000 Patricia published a book for consumers called “How to Buy & Sell Your Home Without Getting Ripped Off!” She is also the author of a designation seminar called “Real Finance: A Consumer Advocate Approach to Real Estate & Mortgages.”
Leadership
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Helping Others The American Dream
We believe everyone deserves to live the life they dream about.
We are committed to helping our clients realize the “American Dream of Home Ownership” without having to worry about getting ripped off.
REAL FINANCE SOLUTIONS invites you to join us in our mission to help others as we help ourselves.
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REAL FINANCE SOLUTIONS is
not a mortgage lender
or broker…
Instead, we are a Network of RFS
Consultants whose members are dedicated to protecting
consumers from predatory business
practices. 704/12/2023
Training provided – no experience necessary
Certification program:-- “Real Finance: A Consumer Advocate Approach to Real Estate & Mortgages”
Your Manager will help you identify your goals & build a business plan designed to help you succeed
KISS Principle –
Exceptional Training & Support
Keep It Short & Simple
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3 Simple Principles
1. Think It• Where Am I Now?• Where Do I Want to Be?• How Will I Get There?
2. Plan It• Target Market – develop prospect list• Set SMART goals • Action Steps – break into small steps to
implement
3. Do It!• Take Action Daily – • Move Action Steps to Day Planner• Monitor Weekly with Manager for
Accountability
Ask… “Is everything I am doing today helping me get to where I want to be tomorrow?”
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Advocate for the consumer
Interview lenders to participate on the system
Hold lenders accountable to deliver what they promise, and to close on time
Educate RFS Consultants
on consumer advocacy, predatory lending, mortgage fraud and mortgage loan products
REAL FINANCE SOLUTIONS Role
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REAL FINANCE SOLUTIONS has access to over 35 Investors for multiple quotes
No Upfront Fees Required
Loans available 50 states
Minimum Loan Amount $50,000
CLO SYSTEM
www.RealFinanceSolutions.com
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Counsel on type of loans offered
Review 5 C’s of Underwriting & impact credit score has on rate
Review Loan Process from application to closing & set realistic expectations
Assist borrower with selecting best program & entering information for application
Introduce borrower to Lender TEAM Leader Loan Specialist via 3-way conference call
RFS Consultant Responsibility
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RFS Consultant is an Independent Contractor
CLOs fee paid by borrower for Consulting services rendered utilizing CLOs technology
Ensures borrower receives most competitive program without bias to compensation or limitation to working for one lender
If borrower obtains a loan from a lender on the System the lender will pay the CLOs fee
CLOs fee will not vary from lender to lender or change depending on loan amount or type of loan
CLOs fee will be identified in section 800 of HUD-1 Settlement Statement
Compensation
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Is not designed to attract loan originators that desire to charge a borrower as much as possible to obtain the highest commission they can on each individual loan.
REAL FINANCE SOLUTIONS provides a system for professionals interested in providing a consumer advocate approach to financing and to help their clients avoid predatory business practices and excessive fees.
Professionals passionate about helping others
CLOs Fee
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RFS Consultants earn 70% of the net CLOs counseling fee with balance paid to 3 RFS TEAM Management levels.
You have an opportunity to build a team and receive Production Bonuses.
“I would rather make 1% from 100 people’s
effort than 100% from my own effort!”J. Paul Getty
RFS Consultant Compensation
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CLOs Fee $1250.00 Administration & System Maintenance Fees $ 300.00 Net CLOs Fee $ 950.00
RFS Consultant @ 70% $665.00
TEAM Production Bonus
Level 1: Manager @ 15% $142.50 Level 2: Regional Manager @ 10% $ 95.00 Level 3: National Manager @ 5% $ 47.50
Commission paid on the 15th & 30th
RFS TEAM Manager Fees
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Build Part-time 6/3/3
Just realized part-time income of $69, 540
Would that make a positive impact on your family?
YOU decide how much time you want to invest in building your team and how many Consultants you want to bring onboard
YOU are now in control of your financial destiny, not your boss
Starting to feel good about who you are and what you do?
Part-time Income Up to You
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LO Platform @ 2% $4000
CLOs Platform flat fee - $ 1250
Difference paid to typical $2750 Loan Originator Platform
Where does difference paid to typical LO come from?
Typical LO Platform Cost to Consumers
19
Buyer or Seller’s Pocket!
CLOs Cost to Borrower?No out of pocket cost to Consumer ifLoan obtained from Lender on System
REAL FINANCE SOLUTIONS SAVES CONSUMERS MONEY!
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www.RealFinanceSolutions.com
ClickHere
• Meet Our Team• About Us• Contact Us
20
Website is Consumer Friendly
Click on Meet Our Team
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RFS Consultant Profiles
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2222
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Upon Completion of Application
Goes to RFS Secure Server RFS CLO TEAM receives Email notification that new app has been submitted & matches loan with best lender to fit borrower needs & submits file to lenderLender CLO TEAM Loan Specialist reviews app & calls CLO and Borrower
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Commission based on Origination Fee
Net Commission = 50Basis Points
Commercial Loan Compensation
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REAL FINANCE SOLUTIONS = Net Commission X 10%
RFS Consultant = Net Commission X 70%
Manager = Net Commission X 10%
Regional Manager = Net Commission X 6%
National Manager = Net Commission X 4%
Commercial Commission Schedule
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Commercial Commission Example
Loan Amount $1,000,000 RFS Commission x 50 basis points Net Commission $5,000
RFS Commission Schedule
REAL FINANCE SOLUTIONS @10% $ 500 RFS Consultant @ 70% $3,500 Manager @ 10% $ 500 Regional Manager @ 6% $ 300 National Manager @ 4% $ 200
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Help Borrowers Having Trouble with Mortgage
Payments
U.S. Loan Solutions
Loan Modifications
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Fee: $2500Less: $1500 Processing & Attorney FeesEquals: $1000
- 400 USLS Administration Fee $ 600
-$ 25 RFS System Fee$ 575X 70% $ 402.50 paid to RFS Consultant
Manager: @ 15% = $86.25Reg. Mgr: @ 10% = $57.50N. Mgr: @ 5% = $28.75
Loan Mod Compensation
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Get Started with an investment of only $30 for a background check and $149 RFS Certification
Option to deduct RFS Certification fee from your first commission
Total Upfront Fee for Start-up only $30!
Membership Fee
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If you like what you heard today and are ready to make a positive difference in your life and the lives of others we are ready when you are!
Are You Ready?
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Getting Started
Getting Started is Easy
1. Obtain Manager code from person who introduced you
2. Go to Careers at
RealFinanceSolutions.com
& Click on Join Now
3. Set appointment for your Getting Started Interview to set goals &
build your Business
Plan
4. Take Action!
www.RealFinanceSolutions.com
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Online Signup
Direct Manager Code
Click Here
3404/12/2023
“Welcome to the REAL FINANCE SOLUTIONS Team! Our goal is to provide you with the tools and knowledge you need to successfully reach your goals. We have a wonderful system but it only works if you do! Make a commitment to get off to a fast start by scheduling your Getting Started Interview with your Manager & creating a business plan you are willing to be held accountable to. I also encourage you to attend our weekly webinars to stay updated to new tools available to you & to changes in the market. If you are serious about being successful we will do all we can to help you reach your goals. We are excited to have you on our team.”
Patricia Boyd, RFS
Message from the President
3504/12/2023
Are You Ready?
Attend our RFS Consultant Training Webinars
Wednesday Night 9:00 – 10:00 EST
Ask Your Manager to Email You the Webinar Invitation for this Week’s Webinar
We Look Forward to Having You a Part of Our Team!
Action Steps to Get Off to a Quick Start!
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