Mortgage Originators, Loan Officers, and Mortgage Brokers:      
         
   

"How you can make well over $20,000 per month as a mortgage originator by mailing cheap refinance letters from home that make your phone ring with motivated borrowers who beg you to refinance their loans."

   
         
   

Instant Refinance Letters™ is a complete and proven

   
   

 refinance marketing system-in-a-box!

   
         
        "Learn how I raised myself from failure to success by mailing cheap refinance letters from home and went on to close 71 loans and make $248,954.62 last year.  I'll show you exactly what I did.  Just copy me and write your own success story."         
                 
    Dear Fellow Mortgage Originator,

The mortgage origination business is profitable...very profitable...once you figure out a consistent and duplicatable way to generate business...

Until then, it can be frustrating, even painful.

Have you ever experienced the mortgage originator roller-coaster?  Your income goes up one month and down the next.  It's a thrill ride going up.  And it's terrifying going down.

When you have dramatic income fluctuations, it's because you don't have a system for generating a consistent flow of qualified borrowers.  You are just riding on the whim of the market...and luck.

Sometime people call you.  Sometimes they don't.  That's a terrible way to run your business and a terrible way to live your life.  It's impossible to plan for the future when you're paranoid about the present.

I understand.  I've been there.

   
                 
   

My Story

I quit.

The words slipped out of my mouth.

I couldn't take the humiliation and frustration anymore.

If I had to cold call one more crappy lead, I think I'd puke.

The leads the company bought were terrible.  I was told they were "warm" leads.  Sure.  Warmed up by a dozen competing loan officers who had already called them.  How many loan officers did they sell this lead to anyway? 

Picking up the phone to call another stranger made my hand shake and my mouth go dry.  I would shake so much, I could hardly speak.

Why did I ever want to be a loan officer?

Three months into the mortgage origination business and I still didn't have a closing.  Why did I take a pure commission job?

The pressure at the office was nothing compared to the heat at home.  My wife thought I had lost my mind.  Our savings was dwindling and our bills were mounting.

I didn't know how I was going to pay MY mortgage.

If something didn't change fast, I would be looking for another job...again.  But I didn't want to start over.

The walls were closing in.

Then I lost it.

My son asked me if he could play little league.  I didn't have enough money.  How could I tell him?  My insides started turning.

Then my young daughter asked me why she had to share a room with her little sister.  She wanted her own room.  I tried to explain, but she just cried.  The tears sliced through me like razor blades.

Then my car broke down.  Something about the transmission.  I couldn't pay for it so I had to catch rides to the office.  It was embarrassing.

It seemed like everywhere I looked there was a money problem staring back at me.

I felt about 2 inches tall.

How could I call myself a man if I couldn't provide for my family?

I needed to win at something...and fast.

I've heard that desperation is an incredible motivator.  It's true.  I decided to draw a line in the sand.  I was going to win at this mortgage business or go broke trying.

I noticed there were a few mortgage brokers making a decent living.  But when I asked them what they were doing, they just smiled and gave me some song-and-dance about "getting the message out" and "talking to my sphere-of-influence."

I already talked to my sphere...and they didn't need or want my services right now.  Of course my family and friends knew I was new...and desperate.  I think they were keeping their distance, waiting to see if I made it or not.

Instead of asking the pros anymore questions, I just watched them.

I began to notice a pattern.  The top loan officers were all mailing large numbers of letters each day.  Maybe that was how they generated all those calls, mortgage leads, and closings.

I decided I needed to learn all I could about mailing mortgage letters.

I went to the library.  I started reading books on direct marketing and direct mail.  I started to get the idea of how it all worked.

Then I experimented.

I wrote a few letters and mailed them out.  No response.  I re-wrote the letters and mailed them out again.  No response.  I read some more books.  Then I picked one letter and I re-wrote it.  This was my last chance.  I was running seriously low on cash.  I mailed it out and waited...

I got a call.

Wow!  Someone really called.  I completely messed up the call.  I blew it.  In fact, the caller hung up on me.  I didn't know how to talk to a borrower.  But I knew I could learn.  I was still excited.  I had received a call.

Now it was time to repeat the process.

I knew if I could duplicate the call, I might just make it.  So I mailed the letters again.  This time, two calls.  I handled the calls much better.  The first caller told me, "No."  But the second caller said, "Yes."  The borrower came in and signed the loan application that day.  Amazing.  A signed loan application from a cheap refinance letter.  My mortgage marketing letter actually worked.

I was on my way.  I decided right then and there that I could make it in this business.  

I have since reworked, modified, tested, and perfected the letters.  Now when I mail out the letters I know I am going to get calls.  It is so exciting.  It makes me feel powerful and in control.

I know I can generate business and money whenever I want.

I started writing loan applications monthly, then weekly, sometimes even daily.  I started making money hand over fist.  It was intoxicating.  Other loan officers started to notice.  They asked me what I was doing.  I wanted to be friendly, but I just couldn't tell them how I did it.  I gave them some song-and-dance about "getting the message out" and "talking to their sphere-of-influence."  How could I tell them the truth.

It's my secret.  It's the secret to my success.

Now here's the kicker.  I wrote that first letter over ten years ago.  I have been making money from these letters ever since.  They keep on working.  Day after day.  Month after month.  Year after year.  By mailing these cheap refinance letters, I raised myself from failure to success.

Last year, I closed 71 refinance loans and made $248,954.62 mailing cheap refinance letters from home.

In fact, in over ten years, these letters have generated seven figures.  The Instant Refinance Letters are amazing.  So why share them now?  Good question.  I am semi-retired from the mortgage business.  Ready for a shocker?  Last year, I worked…part time. 

Now I figure it’s time to share my secret system with my peers in the mortgage industry.

I hope that I can help those mortgage originators who are struggling like I was.  Back then, I knew I could do a great job for the borrower.  I knew how to fill out all the paperwork and how to price the loan.  I knew how to process and get the loan to closing.  I knew all the technical stuff.  I just needed more people to talk to.  I needed more borrowers.

If you need more borrowers, consider buying Instant Refinance Letters.  I have successfully used the letters for over 10 years.  They work in up markets, down markets, and stagnant markets.  They just work.

   
         
                       
         

In my best month to date, I closed 13 loans and generated $46,167.91

"Instant Refinance Letters is incredible.  I have been using it successfully for seven years.  In my best month to date, I closed 13 loans and generated $46,167.91.  The results have been spectacular."

-Andy Wilson         

         
                       
                       
         

 

           
                   
                       
   

Is direct mail the only way to succeed in the mortgage business?

No.  There are lots of other ways to find people who need a mortgage.  Let's look at some alternatives.

1.  Telemarketing.  In the old days you could open the white pages, pick up the phone, and start dialing for dollars.  Unfortunately, most people do not appreciate receiving a cold call.  And now you risk a Do-Not-Call-List violation.

2.  Door Knocking.  You could go door-to-door and ask people if they want to refinance.  But that takes a lot of time, most people are not home, and you might disturb an angry dog.

3.  Newspaper Ads.  You could run an ad in the paper.  This could work.  But the ads are expensive.  You have to test a lot of different ads to find one that works.

4.  Social Networking.  You could social network on Facebook® or Twitter®.  That might work once, but how do you duplicate it?  Do you really want to spend all your time prospecting online?

5.  Email Marketing.  You could email to groups of people and offer your services.  It's cheap to send email.  But the response rates are extremely low and the new SPAM laws are not kind to email marketers.

6.  Buy Leads.  You could buy leads from mortgage lead companies.  Of course, you'll not have exclusive leads.  The lead companies sell the same lead to ten of your competitors.  That's good for the lead company and good for the borrower, but not so good for you.  You end up in a bidding war over the interest rate.  And only one loan officer will get the loan.

7.  Sphere of Influence.  Your friends and family are a great source of business.  But there are only so many of them.  Once you run out...you run out.  It's hard to make any serious money this way.

I admit there might be a lot of ways to generate mortgage business.  But none is as good as direct mail.

Why is direct mail so powerful?

Direct mail is the most predictable and profitable way to grow your mortgage business. 

With direct mail you can:

1.  Target.  You can target only the borrowers you want to work with.  Let's say you want to work with Jumbo borrowers with less than 70% loan-to-value and loan amounts from $600,000 to $1,000,000.  You can mail a targeted refinance letter only to them.

2.  Leverage.  You can multiply yourself and talk to dozens, hundreds, even thousands of borrowers at the same time.  Mailing out 250 letters is like sending of 250 robot salespeople to 250 houses all at once.  The letters presents your offer to the borrower perfectly every time.  It's just like you being in the borrower's living room presenting your services.  Only better.  It doesn't waste your time.

3.  Control.  You control the volume of business you originate.  Do you want more closings this month?  Mail more letters.  Too many borrowers calling you?  Stop mailing the letters for a while.  You are in control.

4.  Plan.  Your business becomes predictable.  After you track your numbers, you can plan your future.

When you know your numbers, you predict your income and create stability in your life.

You need to know your numbers.  I know mine.  Let's take a look.

Last year I averaged two calls and one closing for every 450 refinance letters I mailed.  It cost me $225 to mail the 450 letters.  I averaged $3,520.49 from each closing.  For every $1 invested mailing out refinance letters, I made $15.56.  My Return On Investment (R.O.I.) was 1,556%.  After I know my numbers, I can plan my future.

Let's say I want to make $100,000 next year.  Based on my past numbers, I will need to close 29 loans next year.  I will need to invest $6,426 ($100,000/$15.56) for the year or about $535 each month.  I will need to mail out 13,050 (29 x 450) letters during the year, 1,088 each month, 270 each week, or about 55 letters per working day.  I'm happy to mail 55 letters per day to make $100,000 next year.  I'm happy to invest $6,426 next year to make $100,000.

My business is predictable.  After I decide how much I want to make, I know exactly what I need to do to make it.

Do you know your numbers?  Can you predict what your business and your income will be next year?  Next month?

You will as soon as you get a system in place for generating business.  Your numbers will be different than my numbers.  Your numbers could be lower or higher.  It doesn't matter.  You just need to know "what" your numbers are.  Then you can plan.  Then your business becomes predictable...enjoyable.

Should I focus on refinance or purchase mortgages?

For my entire mortgage career I have heard the debate, "Should I focus on refinance or purchase mortgages?"  Simple answer: "Yes."  Better answer:  "Do both, but focus on refinances."  Here's why.

Your customer will need both.  Once you have a customer, you want to be that customer's mortgage loan originator for life.  And your customer will need both refinance and purchase mortgages.  So you need to offer both.  However...

You should build your business by focusing on refinances.

Refinances are easier, faster, more flexible, and more predictable.

Refinances are easier because you have less paperwork and fewer decision makers (no real estate brokers).  Refinances are faster because you don't have to wait for the borrower to find a home (they already own one).  Refinances are more flexible because the date of closing can easily be moved without affecting another party (like a seller).  Refinances are more predictable because you can control your lead flow through marketing.

If you want more refinances, mail more refinance letters.  If you want more purchases, talk to more real estate brokers and cross your fingers and pray and hope and carry a lucky rabbit's foot.

I recommend you focus on refinances to build your business.

You don't have to agree with me.  That's ok.  Early in my career I thought I should focus on purchases.  But after the school of hard knocks, I now know better.  Focus on refinance loans and let the purchase loans fall in your lap.    

Direct mail works for both experienced and new originators

Instant Refinance Letters™ work for all mortgage originators, both veterans and novices.  Veterans can quickly add more volume to their pipeline.  Novices can get up and running quickly.

   
                       
                       
         

I was able to close loans by my second month in the business

"When I was a brand new loan officer, the Instant Refinance Letters helped me get a quick start.  I was able to close loans by my second month in the business.  Instant Refinance Letters made the mortgage origination business too easy."

-Stacy Zamarron         

         
                       
                       
   

Refinance business is happening all the time...even when rates go up.

Some people ask me what I do when the interest rates go up.  That's easy.  I refinance borrowers.  You might be thinking, "What?"

Well, let me explain.

There are two refinance markets.  One goes up and down with the current interest rate.  The other is constant no matter what the current interest rate is.  Here are the two refinance markets:

1.  Interest-Rate-Sensitive Market.  These borrowers will only refinance if today's interest rate is lower then their current mortgage interest rate.  In other words, if the borrowers can lower their payment, they will refinance.  If not, they won't.  This is a big market.  You will make a lot of money when the rates drop and the refinance boom is in full swing.  Of course, this market comes and goes.

2.  Non-Interest-Rate-Sensitive Market.  These borrowers need to refinance for a reason other than interest rate and monthly payment.  There are tons of reasons.  Here are a few:

  • Divorce.  One spouse refinances the other off the mortgage to settle a divorce.
  • College.  Parents cash-out refinance for funds to send kids to college.
  • Credit Card Debt Consolidation.  Borrowers debt-consolidation refinance to roll high interest rate credit cards into low interest rate mortgages.
  • Car Purchase.  Borrowers cash-out refinance to pay for new automobiles with lower interest rate mortgage.
  • Home Remodel.  Borrowers cash-out refinance to improve their homes.  Some add square footage.  Some update the kitchen.  Either way, many pay for it with a refinance. 
  • Hybrid Mortgage Adjustment.  Borrowers with hybrid mortgages (especially sub-prime) are highly motivated to refinance at the end of the fixed rate term.  Hybrid mortgages are fixed rate and fixed payment for a few years, then become adjustable rate mortgages.  The interest rates and payments can increase dramatically after the fixed term.  These borrowers are motivated.  They don't care about the new interest rate as long as it's better than the crazy, radically swinging interest rate and payment they're expecting or already regretting.
  • Investor Expansion.  Small residential real estate investors cash-out refinance to purchase more investment real estate.
  • Move-Up Buyer.  Homeowners cash-out refinance to pull down-payment money out of existing equity before turning their current home into a rental and buying the next home.  It's great.  You get two-for-one:  a refinance loan and a purchase loan.

This second refinance market is always active.  People need access to cash and the equity in their homes for lots of reasons.

Instant Refinance Letters™ target both markets and generate leads, loans, and closings all the time.  You'll be amazed when you see the breadth and the depth of the refinance letter targets.  You'll be able to refinance loans in any interest rate environment.

Do borrowers refinance with the mortgage originator who arranged their current mortgage?

Sadly, not often.  And it's really not the borrowers fault.  Most mortgage originators fail to contact their past customers after the closing and stay in touch.  That's bad news for the original mortgage originator, but good news for you.  With these refinance letters, you're going to pick up a ton of business from borrowers who were abandoned by their mortgage originator.  Remember to stay in touch with your past customers so you won't lose them the next time they want to refinance.  I'll show you a way to capture this past customer business the the sections below.

The Mailing List is Critical

In direct mail campaigns, the mailing list is critical.  You can mail a bad letter to a good mailing list and survive.  But mailing a good letter to a bad mailing list will fall flat.  Of course the best situation is mailing a great letter to a great mailing list.  That's our goal.

Instant Refinance Letters will teach you how to create a great mailing list that produces astounding results.  And it won't cost you an arm and a leg.  I'll show you how to use free public databases to assemble a high-response, customized, targeted mailing list that will out produce expensive list broker mailing lists.  In fact, in my experience list brokers are so limited in scope that you are better off using your own mailing list that you'll develop for free.

All you need to create your own profitable mailing list is a computer and an internet connection.  It's fast and it's free.  I'll show you how. 

You'll be up and running in no time.  The system is designed to have you mailing letters in three days and talking to exclusive, motivated borrowers in seven days or less.

   
                       
                       
         

In four months, I generated $74,077.76

"The Instant Refinance Letters™ work like a charm.  I was able to increase my origination volume and win several companywide monthly production contests.  In four months, I generated $74,077.76.  I highly recommend the Instant Refinance Letters™ to anyone who wants to see their mortgage production skyrocket."

-Mark Costello         

         
                       
                       
   

Here's what you get inside the Instant Refinance Letters™ refinance marketing system-in-a-box...

Everything you need to become the dominant refinance specialist in your office and in your town.  Let's look at what you'll receive by Priority Mail.  Just be careful moving the huge, heavy box.

#1.  Instant Refinance Letters System Manual ($497 value)

The 114 page, easy-to-read, step-by-step System Manual outlines my whole refinance marketing process in complete detail.  You'll learn my entire refinance program from A-to-Z.  The System Manual teaches you the nuts and bolts of the powerful system.  Here's just a sample of what you'll discover:

  • How to get up and running in the next 3 days, start receiving phone calls from hot borrowers in the next 7 days, and closing loans this month.
  • What my production numbers were last year to give you some target benchmarks, such as...
  • The 15-to-1 ratio.  Last year I generated $15.56 for each $1 spent on printing and mailing the letters.
  • The $225 marketing cost ratio.  Last year for every $225 I spent on mailing the letters I had one closing and made $3,520.49.  Would you invest $225 to generate one closing?  I did, over and over again.
  • Why you should use direct mail instead of any other mortgage marketing option to reduce your costs and maximize your profits.  For instance, buying old mortgage leads from internet "mortgage lead companies" who already sold the same lead to ten of your competitors is insane.  Instead you should use direct mail to find exclusive refinance leads who only want to work with you.
  • Save tons of money by learning the right number of letters to mail for a test run.
  • How these magic letters motivate a borrower to pick up the phone, dial your number, and beg you to refinance their loan.  You will see a line-by-line analysis of the refinance letter.  I will dissect the letter piece-by-piece and explain why each line works.  You will gain a strong working knowledge of direct mail and understand why these letters have generated seven figures.
  • See samples of proven direct mail refinance letters that have been tested, changed, modified, and tweaked to perfection over the past 10 years to generate the highest response rate and the biggest profits.  These powerful letters will make your phone ring with motivated borrowers.
  • Position yourself as the expert when you use these letters to target Conventional, FHA, VA, Jumbo, or Sub-Prime borrowers.
  • Target borrowers who need you for Rate-and-Term, Streamline, Cash-Out, Debt Consolidation, and Conversion refinances.
  • Pick the best letter to match your target market, improve your response rate, and explode your profits.
  • Become THE expert in your loan niche by mailing the perfect letter that talks directly to the borrowers you want to work with.
  • Never make another cold call again.  Instead receive calls from motivated borrowers who call you because you match the right message (letter) to the right market (list).
  • Get your letter opened by sending it in the right envelope.  If you mess this up, your letter will go straight in the trash.
  • How to quickly and easily develop a profitable mailing list using private databases and FREE public information databases.
  • Rate the quality of your mailing list before you mail a single letter or spend a single dime using the Six Group Quality Rating Method.
  • Narrow your niche and widen your wallet.  Learn the counterintuitive concept:  If you try to be all things to all people, you become a nobody.  Learn how to be the valuable specialist, not the worthless generalist.
  • How to use common computer programs such at Microsoft Word® and Microsoft Excel® to personalize each letter to speak directly to the borrower and increase your response rate and calls dramatically.
  • Tips on how to quickly fold, stuff, seal, and stamp using my fast and easy technique.
  • What to say when borrowers call you.  Learn the 15 questions you must ask on the first call if you want loyal borrowers and fast closings.
  • How to pull it all together and win big in the mortgage business.  Put the letter system in place to create a consistent flow of qualified borrowers calling and begging you to refinance their loans.  When borrower call you, the mortgage business is easy.

The System Manual teaches you everything I know about generating refinance business by direct mail.  The lessons have been learned in the school of hard knocks over the last 10 years.  I've already made all the mistakes and paid all the money to test, change, modify, and tweak the system to perfection.  All you have to do is plug it into your business and watch it run.

If all you got was the System Manual, you'd be miles ahead of your competition.  But you get more incredible tools...lots more.

#2.  Instant Refinance Letters™ 172 Letter Templates

This is the incredible part.  I have developed 172 refinance letters that target almost every refinance situation you'll ever encounter.  You will receive a hardcopy of all 172 refinance letters in three ring binders for easy access and review.  But I didn't stop there.

You'll also receive the letters in electronic format on CD-ROM.  I made it easy.  You don't have to type all the letters into your computer.  All the refinance letters have been pre-typed into Microsoft™ Word® as Letter Templates.  This alone will save you dozens of hours of typing.  But it gets better.

The letter and mailing list merge process has already been done too.  You don't have to waste time learning how to set up the merge of the letter with the mailing list.  All 172 letters have been pre-designed with the merge codes already installed in both the letter (Microsoft™ Word®) and the mailing list (Microsoft™ Excel®) templates.  All you have to do is add your name, phone, and company information. 

With the Letter Templates, you can have your letters prepared and merged in 5 minutes or less.  This is a huge time saver and the heart of the Instant Refinance Letters™ system.  This alone is worth ten times the price of the system.

The letter templates are organized into five modules.  Each module targets a different loan product.  Let's look at the five modules.

Module 1 - Conventional Letter Templates  ($497 value)

Module 1 covers Conventional loan refinances.  You get 40 proven hardcopy refinance letters in a three ring binder and 40 letter templates on two CD-ROMS.  Look at all the Conventional loan niches you can target. 

Conventional - Rate & Term Letter Templates

  • RT Conventional General - known loan balance
  • RT Conventional General - unknown loan balance
  • RT Conventional Fix-to-Fix - known loan balance
  • RT Conventional Fix-to-Fix - unknown loan balance
  • RT Conventional Fix-to-ARM - known loan balance
  • RT Conventional Fix-to-ARM - unknown loan balance
  • RT Conventional Fix-to-Hybrid - known loan balance
  • RT Conventional Fix-to-Hybrid - unknown loan balance
  • RT Conventional ARM-to-Fix - known loan balance
  • RT Conventional ARM-to-Fix - unknown loan balance
  • RT Conventional ARM-to-ARM - known loan balance
  • RT Conventional ARM-to-ARM - unknown loan balance
  • RT Conventional ARM-to-Hybrid - known loan balance
  • RT Conventional ARM-to-Hybrid - unknown loan balance
  • RT Conventional Hybrid-to-Fix - known loan balance
  • RT Conventional Hybrid-to-Fix - unknown loan balance
  • RT Conventional Hybrid-to-ARM - known loan balance
  • RT Conventional Hybrid-to-ARM - unknown loan balance
  • RT Conventional Hybrid-to-Hybrid - known loan balance
  • RT Conventional Hybrid-to-Hybrid - unknown loan balance

Conventional - Cash-Out & Debt Consolidation Letter Templates

  • CODC Conventional General - known loan balance
  • CODC Conventional General - unknown loan balance
  • CODC Conventional Fix-to-Fix - known loan balance
  • CODC Conventional Fix-to-Fix - unknown loan balance
  • CODC Conventional Fix-to-ARM - known loan balance
  • CODC Conventional Fix-to-ARM - unknown loan balance
  • CODC Conventional Fix-to-Hybrid - known loan balance
  • CODC Conventional Fix-to-Hybrid - unknown loan balance
  • CODC Conventional ARM-to-Fix - known loan balance
  • CODC Conventional ARM-to-Fix - unknown loan balance
  • CODC Conventional ARM-to-ARM - known loan balance
  • CODC Conventional ARM-to-ARM - unknown loan balance
  • CODC Conventional ARM-to-Hybrid - known loan balance
  • CODC Conventional ARM-to-Hybrid - unknown loan balance
  • CODC Conventional Hybrid-to-Fix - known loan balance
  • CODC Conventional Hybrid-to-Fix - unknown loan balance
  • CODC Conventional Hybrid-to-ARM - known loan balance
  • CODC Conventional Hybrid-to-ARM - unknown loan balance
  • CODC Conventional Hybrid-to-Hybrid - known loan balance
  • CODC Conventional Hybrid-to-Hybrid - unknown loan balance

***When the mortgage loan balance is "known" an estimated monthly Principal and Interest payment is calculated by the template and entered into the refinance letter.  When the mortgage loan balance is "unknown" a powerful alternative statement is used.

Module 2 - FHA Letter Templates  ($397 value)

Module 2 covers FHA loan refinances.  You get 40 proven hardcopy refinance letters in a three ring binder and 40 letter templates on two CD-ROMS.  Look at all the FHA oan niches you can target. 

FHA - Rate & Term (Streamline) Letter Templates

  • RT FHA General - known loan balance
  • RT FHA General - unknown loan balance
  • RT FHA Fix-to-Fix - known loan balance
  • RT FHA Fix-to-Fix - unknown loan balance
  • RT FHA Fix-to-ARM - known loan balance
  • RT FHA Fix-to-ARM - unknown loan balance
  • RT FHA Fix-to-Hybrid - known loan balance
  • RT FHA Fix-to-Hybrid - unknown loan balance
  • RT FHA ARM-to-Fix - known loan balance
  • RT FHA ARM-to-Fix - unknown loan balance
  • RT FHA ARM-to-ARM - known loan balance
  • RT FHA ARM-to-ARM - unknown loan balance
  • RT FHA ARM-to-Hybrid - known loan balance
  • RT FHA ARM-to-Hybrid - unknown loan balance
  • RT FHA Hybrid-to-Fix - known loan balance
  • RT FHA Hybrid-to-Fix - unknown loan balance
  • RT FHA Hybrid-to-ARM - known loan balance
  • RT FHA Hybrid-to-ARM - unknown loan balance
  • RT FHA Hybrid-to-Hybrid - known loan balance
  • RT FHA Hybrid-to-Hybrid - unknown loan balance

FHA - Cash-Out & Debt Consolidation Letter Templates

  • CODC FHA General - known loan balance
  • CODC FHA General - unknown loan balance
  • CODC FHA Fix-to-Fix - known loan balance
  • CODC FHA Fix-to-Fix - unknown loan balance
  • CODC FHA Fix-to-ARM - known loan balance
  • CODC FHA Fix-to-ARM - unknown loan balance
  • CODC FHA Fix-to-Hybrid - known loan balance
  • CODC FHA Fix-to-Hybrid - unknown loan balance
  • CODC FHA ARM-to-Fix - known loan balance
  • CODC FHA ARM-to-Fix - unknown loan balance
  • CODC FHA ARM-to-ARM - known loan balance
  • CODC FHA ARM-to-ARM - unknown loan balance
  • CODC FHA ARM-to-Hybrid - known loan balance
  • CODC FHA ARM-to-Hybrid - unknown loan balance
  • CODC FHA Hybrid-to-Fix - known loan balance
  • CODC FHA Hybrid-to-Fix - unknown loan balance
  • CODC FHA Hybrid-to-ARM - known loan balance
  • CODC FHA Hybrid-to-ARM - unknown loan balance
  • CODC FHA Hybrid-to-Hybrid - known loan balance
  • CODC FHA Hybrid-to-Hybrid - unknown loan balance

***When the mortgage loan balance is "known" an estimated monthly Principal and Interest payment is calculated by the template and entered into the refinance letter.  When the mortgage loan balance is "unknown" a powerful alternative statement is used.

Module 3 - VA Letter Templates  ($397 value)

Module 3 covers VA loan refinances.  You get 40 proven hardcopy refinance letters in a three ring binder and 40 letter templates on two CD-ROMS.  Look at all the VA loan niches you can target. 

VA - Rate & Term (IRRRL) Letter Templates

  • RT VA General - known loan balance
  • RT VA General - unknown loan balance
  • RT VA Fix-to-Fix - known loan balance
  • RT VA Fix-to-Fix - unknown loan balance
  • RT VA Fix-to-ARM - known loan balance
  • RT VA Fix-to-ARM - unknown loan balance
  • RT VA Fix-to-Hybrid - known loan balance
  • RT VA Fix-to-Hybrid - unknown loan balance
  • RT VA ARM-to-Fix - known loan balance
  • RT VA ARM-to-Fix - unknown loan balance
  • RT VA ARM-to-ARM - known loan balance
  • RT VA ARM-to-ARM - unknown loan balance
  • RT VA ARM-to-Hybrid - known loan balance
  • RT VA ARM-to-Hybrid - unknown loan balance
  • RT VA Hybrid-to-Fix - known loan balance
  • RT VA Hybrid-to-Fix - unknown loan balance
  • RT VA Hybrid-to-ARM - known loan balance
  • RT VA Hybrid-to-ARM - unknown loan balance
  • RT VA Hybrid-to-Hybrid - known loan balance
  • RT VA Hybrid-to-Hybrid - unknown loan balance

VA - Cash-Out & Debt Consolidation Letter Templates

  • CODC VA General - known loan balance
  • CODC VA General - unknown loan balance
  • CODC VA Fix-to-Fix - known loan balance
  • CODC VA Fix-to-Fix - unknown loan balance
  • CODC VA Fix-to-ARM - known loan balance
  • CODC VA Fix-to-ARM - unknown loan balance
  • CODC VA Fix-to-Hybrid - known loan balance
  • CODC VA Fix-to-Hybrid - unknown loan balance
  • CODC VA ARM-to-Fix - known loan balance
  • CODC VA ARM-to-Fix - unknown loan balance
  • CODC VA ARM-to-ARM - known loan balance
  • CODC VA ARM-to-ARM - unknown loan balance
  • CODC VA ARM-to-Hybrid - known loan balance
  • CODC VA ARM-to-Hybrid - unknown loan balance
  • CODC VA Hybrid-to-Fix - known loan balance
  • CODC VA Hybrid-to-Fix - unknown loan balance
  • CODC VA Hybrid-to-ARM - known loan balance
  • CODC VA Hybrid-to-ARM - unknown loan balance
  • CODC VA Hybrid-to-Hybrid - known loan balance
  • CODC VA Hybrid-to-Hybrid - unknown loan balance

***When the mortgage loan balance is "known" an estimated monthly Principal and Interest payment is calculated by the template and entered into the refinance letter.  When the mortgage loan balance is "unknown" a powerful alternative statement is used.

Module 4 - Jumbo Letter Templates  ($497 value)

Module 4 covers Jumbo loan refinances.  You get 40 proven hardcopy refinance letters in a three ring binder and 40 letter templates on two CD-ROMS.  Look at all the Jumbo loan niches you can target. 

Jumbo - Rate & Term Letter Templates

  • RT Jumbo General - known loan balance
  • RT Jumbo General - unknown loan balance
  • RT Jumbo Fix-to-Fix - known loan balance
  • RT Jumbo Fix-to-Fix - unknown loan balance
  • RT Jumbo Fix-to-ARM - known loan balance
  • RT Jumbo Fix-to-ARM - unknown loan balance
  • RT Jumbo Fix-to-Hybrid - known loan balance
  • RT Jumbo Fix-to-Hybrid - unknown loan balance
  • RT Jumbo ARM-to-Fix - known loan balance
  • RT Jumbo ARM-to-Fix - unknown loan balance
  • RT Jumbo ARM-to-ARM - known loan balance
  • RT Jumbo ARM-to-ARM - unknown loan balance
  • RT Jumbo ARM-to-Hybrid - known loan balance
  • RT Jumbo ARM-to-Hybrid - unknown loan balance
  • RT Jumbo Hybrid-to-Fix - known loan balance
  • RT Jumbo Hybrid-to-Fix - unknown loan balance
  • RT Jumbo Hybrid-to-ARM - known loan balance
  • RT Jumbo Hybrid-to-ARM - unknown loan balance
  • RT Jumbo Hybrid-to-Hybrid - known loan balance
  • RT Jumbo Hybrid-to-Hybrid - unknown loan balance

Jumbo - Cash-Out & Debt Consolidation Letter Templates

  • CODC Jumbo General - known loan balance
  • CODC Jumbo General - unknown loan balance
  • CODC Jumbo Fix-to-Fix - known loan balance
  • CODC Jumbo Fix-to-Fix - unknown loan balance
  • CODC Jumbo Fix-to-ARM - known loan balance
  • CODC Jumbo Fix-to-ARM - unknown loan balance
  • CODC Jumbo Fix-to-Hybrid - known loan balance
  • CODC Jumbo Fix-to-Hybrid - unknown loan balance
  • CODC Jumbo ARM-to-Fix - known loan balance
  • CODC Jumbo ARM-to-Fix - unknown loan balance
  • CODC Jumbo ARM-to-ARM - known loan balance
  • CODC Jumbo ARM-to-ARM - unknown loan balance
  • CODC Jumbo ARM-to-Hybrid - known loan balance
  • CODC Jumbo ARM-to-Hybrid - unknown loan balance
  • CODC Jumbo Hybrid-to-Fix - known loan balance
  • CODC Jumbo Hybrid-to-Fix - unknown loan balance
  • CODC Jumbo Hybrid-to-ARM - known loan balance
  • CODC Jumbo Hybrid-to-ARM - unknown loan balance
  • CODC Jumbo Hybrid-to-Hybrid - known loan balance
  • CODC Jumbo Hybrid-to-Hybrid - unknown loan bal

***When the mortgage loan balance is "known" an estimated monthly Principal and Interest payment is calculated by the template and entered into the refinance letter.  When the mortgage loan balance is "unknown" a powerful alternative statement is used.

Module 5 - Conversion Letter Templates  ($297 value)

Module 5 covers Conversion loan refinances.  You get 12 proven hardcopy refinance letters in a three ring binder and 12 letter templates on one CD-ROM.  Look at all the Conversion loan niches you can target. 

Conversion - Sub-Prime to Other Letter Templates

  • Sub-Prime to Conventional - known loan balance
  • Sub-Prime to Conventional - unknown loan balance
  • Sub-Prime to FHA - known loan balance
  • Sub-Prime to FHA - unknown loan balance
  • Sub-Prime Jumbo to Conventional Jumbo - known loan balance
  • Sub-Prime Jumbo to Conventional Jumbo - unknown loan balance

Conversion - FHA to Conventional Letter Templates (remove MIP)

  • FHA to Conventional - known loan balance
  • FHA to Conventional - unknown loan balance

Conversion - Jumbo to Conventional Letter Templates

  • Jumbo to Conventional - under limit - known loan balance
  • Jumbo to Conventional - under limit - unknown loan balance
  • Jumbo to Conventional - over limit - known loan balance
  • Jumbo to Conventional - over limit - unknown loan balance

***When the mortgage loan balance is "known" an estimated monthly Principal and Interest payment is calculated by the template and entered into the refinance letter.  When the mortgage loan balance is "unknown" a powerful alternative statement is used.

Let me show you the power of these Letter Templates

Let's say you find a list of borrowers with Conventional 5/1 Hybrid (5 year fixed rate, then 25 year ARM) loans that are 4˝ years old.  These loans are about to adjust.  The borrowers are about to get a surprise.  Time for you to be a hero and get paid at the same time.  You look in the Letter Templates and find the RT Conventional Hybrid-to-Fix letter template.  You plug in your personal & company information, merge the letter with your mailing list, mail the letters, and answer the phone calls of grateful borrowers begging you to refinance their loans.  You win.

How about if you find a list of borrowers with FHA Fixed rate loans that are 2%-3% above today's interest rate.  Time to be a hero.  You look in the Letter Templates and find the RT FHA Fix-to-Fix (Streamline) letter template.  You plug in your personal & company information, merge the letter with your mailing list, mail the letters, and answer the phone calls of grateful borrowers begging you to refinance their loans.  You win again.

What if you find a list of borrowers with Sub-Prime Jumbo 3/1 Hybrid (3 year fixed rate, then 27 year ARM) loans that are 2˝ years old.  These loans are about to adjust...in a big jumbo way.  The payment is about to be extremely painful.  Time for you to be a hero again and get paid jumbo money.  In fact, if you can get these borrowers out of a sub-prime loan and into a conventional loan, you'll have a customer for life.  You look in the Letter Templates and find the Sub-Prime Jumbo to Conventional Jumbo letter template.  You plug in your personal & company information, merge the letter with your mailing list, mail the letters, and answer the phone calls of grateful borrowers begging you to refinance their loans.  You win a jumbo size victory.  And a jumbo size paycheck.

Are you seeing the power of these Letter Templates?  And we've only scratched the surface.  You get 172 unique, powerful, and proven Letter Templates.

If all you got were the 172 Letter Templates, you would crush your competition.  But you get even more success-building tools.

#3.  Instant Refinance Letters™ Video Tutorial ($197 value)

Speed up your learning curve and learn how to set-up and merge a letter with your mailing list by watching a video.

The 47 minute Video Tutorial walks you through the entire letter merge process step-by-step.  You'll see computer screen shots of each mouse move I make while I describe the action.  This is the easiest way to learn.  After you watch this video, you'll be merging letters and mailing lists together in minutes.

The video is in WMV format so you can play it on your computer at the same time you are merging.  You can watch the step, pause the video, then perform the step on your machine.  You can play, pause, fast forward and rewind all at your own speed.

Next you can move on to the advanced techniques.

#4.  Instant Refinance Letters™ Advanced Techniques ($197 value)

In the beginning, you will perform all of the mailing functions yourself.  The System Manual shows you how to do it simply and easily in only a few hours a week.

Eventually you will become so busy talking to borrowers, taking loan applications, going to closings, and depositing checks that you will fall behind on your mailings.  When you stop mailing the letters, your phone stops ringing and your business slows down.  I know.  I've been there.

The Advanced Techniques teaches you how to automate the entire mailing process for the same cost as doing it yourself.  That's right.  I will show you how to have the entire mail out performed by someone else for the same cost or less than doing it yourself.

These advanced techniques put your mailings on autopilot and free you to talk to even more borrowers and close even more loans.

And I want to give you one more powerful tool in your toolbox.

#5.  Instant Refinance Letters™ Past Customer Refinance Letters ($97 value)

You get two proven hardcopy refinance letters and two letter templates on one CD-ROM. 

The easiest refinance business is from your past customers.  Too many mortgage originators forget to contact their past customers and ask for business.  Sometimes they just don't know what to say.  Sometimes they just forget.

Now you can mail the same powerful refinance letters I mail to my past customers and get business almost immediately.  These letters always make the phone ring.  Past customers already know you and like you.  But you still have to approach them in a professional manner.  This letter will remind them to call you.

(By the way, if you are new to the mortgage business, ask your managing broker if the company has any old past customers of loan officers who have left the company or the business.  These old past customers are called orphaned customers.  Often these orphaned customers want to refinance, but do not know who to call.  You can mail this letter to them and generate some quick closings and cash.)

Use these proven Past Customer Refinance Letters and close more loans this month.

Look at everything you get in the Instant Refinance Letters marketing system-in-a-box...

...all of this for less than 25% of one commission check.

I've set the price for this entire system at roughly 25% of one average commission check.  You'll make four times your investment back at your first loan closing.  Then it's pure profit.  This is a "No-Brainer" investment in your mortgage career.

Click the "Buy Now" button below and take advantage of this incredible opportunity.    

 

Here's an item-by-item summary list of everything included in the Instant Refinance Letters complete and proven refinance marketing system-in-a-box.

   
                       
                       
          1.  Instant Refinance Letters™ System Manual $497          
          2.  Instant Refinance Letters™ 172 Letter Templates            
                   Module 1 - Conventional Letter Templates $497          
                   Module 2 - FHA Letter Templates $397          
                   Module 3 - VA Letter Templates $397          
                   Module 4 - Jumbo Letter Templates $497          
                   Module 5 - Conversion Letter Templates $297          
          3.  Instant Refinance Letters™ Video Tutorial $197          
          4.  Instant Refinance Letters™ Advanced Techniques $197          
          5.  Instant Refinance Letters™ Past Customer Refinance Letters $97          
                       
               Total Value $3,073          
                       
               Your Investment, Just $497          
                       
               Your Savings $2,576          
                       
                       
    Click the "Buy Now" button and move your mortgage career forward right now.    
                       
         

         
                       
    Your probably wondering why I am providing so much for so little.  One of my mortgage friends showed me how I could re-configure the entire system into three packages and sell each package for $1,500, then I could get nine times what I am charging for the same information.  But I told him I don't need to gouge or abuse people or use sneaky pricing gimmicks in order to make a fair and reasonable profit.  Sure, I'm doing this for profit.  But I don't need to squeeze every possible nickel out of each mortgage originator as if they were a money sponge to be put through a wringer.

All I ask, in reciprocity for providing this entire system for such a low price, is two small favors:  one, when you prove its value to yourself and have your own exciting success story to tell, that you let me include it in my marketing, just like the other folks you've read about in the testimonials have...and, two, you'll tell at least one other mortgage originator about it.  (It saves me a ton of advertising costs when a customer calls up a friend in the business and recommends my system.)  That's all I ask.  Given that, you get this entire system for just $497 - as I noted before, about 25% of an average commission check.  Or if you want another way to look at it, about $1.37 a day for the first year (and nothing after that).  Less than the cost of a cup of coffee!

100% Risk-Free Guarantee

Your success using Instant Refinance Letters™ is completely guaranteed.  In fact, here's my 100% Risk-Free Guarantee:

You get a no-questions-asked, 100 percent, risk-free, money-back, sixty-day (2 full months) guarantee if you can't honestly state that your phone is ringing off the hook with motivated borrowers who beg you to refinance their loans.  If you don't experience results that good or better within the first sixty-days of using Instant Refinance Letters™, I don't deserve to keep your money.  You have every right to ask for a full, no-questions-asked, on-the-spot, 100 percent refund anytime you decide.  And if you decide you want a refund, there'll be no questions asked and no hard feelings whatsoever on my part.

Click the "Buy Now" button below and watch your refinance business take off.

You now stand facing the door to an entirely different experience in the mortgage origination business, but...

Even after getting to this website and reading about this amazing opportunity, only a small percentage will ACT.  I think that's unfortunate, but that's the way it is.  People really desire a different and better way, but when push comes to shove, they still stay in the comfortable shadows rather then stepping forward into the sunlight.  Many complain; few act.  I hope you'll act on this opportunity.  (If you don't, you forever lose any right to complain about how hard you work to make a buck.)

Click the "Buy Now" button below and order your copy of the Instant Refinance Letters complete and proven refinance marketing system-in-a-box today.

   
                       
         

         
                       
   

One Last Comment

Remember, this system is not based on what I think "should" work, but on the letters and the tools I "know" work because I've used them over the last ten years to raise myself from failure to success.  I used them to close 71 loans and make $248,954.62 last year.

You read this far for a good reason.  Don't wimp out at the last minute!  Take ACTION right now so you can dramatically increase your refinance business and your income.  You deserve a consistent, predictable, profitable, and enjoyable mortgage career.

Click the "Buy Now" button below and start building your bright future today. 

   
                       
         

         
                       
    Sincerely,

P.S.  Just think!  You don't have to suffer through the pain and expense of trying to write and test powerful refinance letters yourself.  Or pay big bucks hiring a top copywriter.  Now you get everything done for you, practically handed to you on a silver platter...in a complete and proven refinance marketing system.  You simply use the letter templates, mail the proven refinance letters, and answer the calls of motivated borrowers who beg you to refinance their loans.  Instant Refinance Letters is a complete and proven refinance marketing system-in-a-box.  Take advantage of this opportunity right now.  Click the "Buy Now" button above and join me in the winners circle.  Act now!

   
                       
                       
          System Requirements:  Microsoft Word® and Microsoft Excel® for successful template operation.          
                       
                       
    Caveat:  Sales results achieved by the above customers are not typical or an average of any kind and may even be an exception.  Success or failure in all marketing endeavors greatly varies depending on the individual application and personal efforts applied to our training in our books, home-study courses and CD’s by each individual customer.  Therefore, unless you are highly exceptional as are the customers we quote, it is highly unlikely you will achieve similar results.    
                       
         

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