Embed Size (px)
DESCRIPTION
Employee internal newsletter
Citation preview
august 2014 page 1
employee newsletter | august 2014
Corporate Corner ............................ 2
Getting to Know ............................... 2
Who's Who at Intercap .................. 2
Compliance Training ....................... 3
Birthdays ............................................ 3
Anniversaries .................................... 3
Holidays .............................................. 3
Did You Know? ................................. 3
Summer Golf Tourneys .................. 4
Employee Submissions .................. 4
To Your Health .................................. 4
Critical Dates .................................... 5
Think Green ....................................... 5
Tomato Season! ............................... 5
inside this issue
HOT LEADS not contacted right away quickly become
COLD LEADS
Mortgage Advisory Group | 2902 Colby Avenue | Everett, Washington 98201 | MAGloans.comMortgage Advisory Group is a dba of Suburban Mortgage Company of New Mexico | NMLS #190465 | CL 190465.
With Mortgage Advisory Group’s purchase lending experience and advanced call center expertise, you can anticipate higher closings and higher ROI.
WE’RE A DIRECT LENDER WITH OPERATIONAL EXCELLENCE. With over a billion dollars in servicing, we have been closing purchase loans with our real estate agent partners since 1978. To us, closing on time with consistent client communication is essential. Pipeline management and an experienced operational staff help ensure an exceptional and successful process.
MAG’S EXPERTISE INCLUDES:
QQ Calling leads within minutes of delivery
QQ Qualifying the buyer
QQ Handling the financing based upon their needs
QQ Cultivating the buyer relationship through drip email campaigns and periodic phone contact until a successful close is reached
lead vendors
mag call
center
yourmarketing
costsoffset
higher closings
and higher
roi
RAMP up your business! Contact me today for program details
from leads to satisfied customers ...ready, set, go! OUR SALES TRAINING EVENT ON JULY 29TH was held at the Hibulb Cultural Center and Natural History Preserve in Tulalip, which is a 23,000 square foot facility on 50 acres of natural history preserve. The Hibulb features fully certified collections and an archaeological repository. Our classroom was equipped with a smart white board and we even had the luxury of opening up accordion doors for an inside/outside training experience!
Our corporate team did a great job launching our newest value proposition for your real es-tate partners…RAMP! Realty Affiliate Marketing Partners is an innovative marketing platform designed to do everything from database marketing management to lead distribution. With so many options for customers in the marketplace it has become more of a challenge to capture and retain their business. We believe we have delivered a system that will boost your sales momentum enabling you to thrive in the current purchase market.
Our marketing department has been hard at work updating our MAG Advantage Program materials to include RAMP and SNAP Approval Program information. To order new materials click here! Or visit our intranet site, marketing tab, MAG materials and forms. Our department will be working with each of our MAs to schedule RAMP onboarding training starting this week!
Do you want to GROW your business?
QQ A strategy that helps you stay in front of home buyers
QQ Access to your customers 24/7
QQ Targeted lead capture
QQ To RAMP up your business
QQ An experienced Mortgage Advisor
LET MAG HELP YOU RAMP IT UP!
Today’s buyer is more sophisticated than ever. That’s why you need...
Certain restrictions apply and not all applicants will be approved. Mortgage Advisory Group is a dba of Suburban Mortgage Company of New Mexico. NMLS #190465. CL 190465. Models do not reflect racial preference.
Mortgage Advisory Group | 2902 Colby Avenue | Everett, Washington 98201 | MAGloans.comMortgage Advisory Group is a dba of Suburban Mortgage Company of New Mexico | NMLS #190465 | CL 190465.
425.317.8000 | MAGloans.com
Grow your business with our RAMP program! Contact me today for more details
mag voted "best in local business 2014”JUST WHEN YOU THOUGHT NO ONE NOTICED —THEY DID! The Everett Daily Herald edition of “The Best in Local Businesses 2014 Readers’ Choice" voted Mortgage Advisory Group the best Mortgage Lender! Congratulations to each of you for working hard every day and showing our community that we’ve still “got it”!
ramp up your business!
Do you want to GROW your business?
Joe Advisor
NMLS 123456
Mortgage Advisor
425.555.5555 Direct
425.555.5550 Office
425.555.5551 Fax
magloans.com/joeadvisor
Email Management Center: This email is being sent from: Mortgage Advisory Group
Mortgage Advisory Group is a dba of, Suburban Mortgage Company of New Mexico | NMLS 190465 Equal Housing Lender. This mailing is provided for information purposes only. This is not a commitment to lend. Recipients are advised to seek confirmation of statements made before acting upon them; professional advice should be sought on specific issues. Licensing | NMLS Consumer Access Website
Dear Joan,
Today’s buyer is more sophisticated than ever. That’s why you need...
QQ A strategy that helps you stay in front of home buyers
QQ Access to your customers 24/7
QQ Targeted lead capture
QQ To RAMP up your business
QQ An experienced Mortgage Advisor
LET MAG HELP YOU RAMP IT UP!
Grow your business with our RAMP program! Contact me today for more details.
Sincerely,
Joe Advisor NMLS 12345
august 2014 page 2
MARK BARLEY, Executive VP of Sales, Marketing and Technology
Mark’s career in the mortgage industry has spanned close to 18 years. Previous to joining Intercap, he worked as a sales manager at New American Funding from 2008-2009. From 1999-2008, he owned Citywide Mortgage Corporation in California.
His time in the Marine Corps, stationed in El Toro, led him to settle in California.
Mark says, “It has been a pleasure to be in a position to mentor loan officers both new and seasoned. Nothing gives me more joy than to watch someone make a break-through and finally achieve the goals that were set far ahead of the knowledge or experience required to attain them.
corporate corner
getting to know...
who’s who at intercap
This business allows for a motivated person to make above-average income. I love being one of the team members here to help people realize their maximum potential.”
Mark’s favorite quote: “A good plan, violently executed now, is better than a perfect plan next week.” – George S. Patton. What this means to me is that you can choose to wait until everything is perfect (it never is), or you can stop making excuses and make the most out of every day. We only live once, and the clock is ticking, folks.
One thing not everyone knows about you: I can bake like Martha Stewart.
Three people from history or celebrities with whom you’d like to have lunch: Warren Buffet, Donald Trump, Jordan Belfort.
If you could be in the cast of one TV show, what would it be? Breaking Bad –Any role on the show would have been fun.
Biggest pet peeve: Blaming every-one else for your shortcomings.
Favorite food: Anything Peruvian and Sushi.
Greatest fear: I am fearless.
JAMIL ATCHA, Chief Executive Officer
TODAY’S CONSUMER IS CHANGING. With the abil-ity to be educated through the internet, potential clients are coming at us much more educated than ever before. We need to be on our game and well educated to stay ahead of the consumer! The strategy we have developed is RAMP—Realty Affiliate Marketing Partners. This program/pro-cess gives the originator a great way to partner with real estate agents and grow both parties' business. It seemed all the MA’s really understood the opportunity this new system will provide them. The RAMP program provides the needed
"stand-out" value offer when
forming partnerships with real estate agents.
I look forward to bringing more strategies and products to you as we work our way through this challenging market place. Please feel free to contact me if you need anything!
corporate headquartersOUR CORPORATE OFFICE is located in beautiful Aliso Viejo, Orange County, California. It is bordered by the cities of Laguna Beach on the west and southwest, Laguna Hills on the east, Laguna Niguel on the southeast, and Laguna Woods on the north. If you happen to be vacationing in the area, please stop by and say hello!
"RAMP gives MAs a great way to partner with real estate agents and grow both parties' business."
august 2014 page 3
happy anniversary!
compliance training
We are blessed with a winning team of professionals here at Mortgage Advisory Group. We wish to thank the following team members for their years of dedication and enthusiasm, and for being a part of our success. We appreciate you and all you do!
Doug Prutsman Underwriter II, Everett
4 Years August 12th
Jessica Tanner Pre-Funding QA Everett
4 Years August 26th
august anniversariesIntercap Lending and Suburban Mortgage Staff Members
Joseph Freedman (Int) ........... 1 year Cali Fresch (Int) .......................2 years Sandra Garcia (Int) .................2 years Sonny Oh (Int) ..........................2 years Hao Ta (Int) ................................2 years Laurie Caldwell (Sub) .........28 Years Debby Mora (Sub) ................35 years Jiselle Harsini (Int) .................4 years
holidays
THE TRAINING SCHEDULE FOR THE REMAINDER OF 2014.
As part of the on-going regulatory mandated training, a company-wide training schedule has been assigned and is provided below. Please note each section of training has it own deadline. Fortunately, the training system allows you to complete sections early if you have the extra time or if you are motivated to complete the entire training early to clear up your schedule.
To login to AllRegs Academy, go to www.allregs.com. Enter your email and password in the fields provided, then click on “Login”. Click on “Access My Courses” to begin your training.
July 31: Ability to Repay and Qualified Mortgage Rule (past due)
Aug 31 Analyzing the Fair Credit Reporting Act
Aug 31: Avoiding UDAAP Violations
Sept 30: Complying with the MDIA
Sept 30: Ethical Practices in Mortgage Lending
Oct 31: Evaluating ECOA
Oct 31: Exploring HOEPA Revisions
Nov 30: Fair Lending-Lender Responsibilities
Nov 30: Fulfilling RESPA Requirements
Dec 31: Implementing the Anti-Money Laundering
Dec 31: Rules of the BSA
Dec 31: The Practical Application of HMDA
august birthdaysJulie Barragan (Int) .............. 3rd
Cali Fresch (Int) .....................5th
Laurie Caldwell (Int) ............6th
James Storm (Int) .................8th
Jessica Tanner (MAG) .........8th
Sonny Oh (Int) ..................... 11th
Nicole Fowler (Int) ............ 13th
Lisa Britton (MAG) ............. 18th
Byron Vasquez (Int) .......... 18th
Gina Mott (MAG) ................ 20th
Hallie Free (MAG) .............. 20th
Milaad Forootan (Int) ....... 20th
Sharon Tanaka (Int) ......... 22nd
Josephine Ruiz (Int) .......... 23rd
Devery Rielly (MAG).......... 27th
Sept. 1st ......................... Labor Day
Nov. 27th ................. Thanksgiving
Nov. 27th .......Thanksgiving Friday
Dec. 25th .............. Christmas Day
THE STURGIS MOTORCYCLE RALLY is held annually in Sturgis, South Dakota during the first full week of August. It began in 1938 and has evolved into one of the largest meet-ings for motorcycle enthusiasts from around the world. Rally-goers are a mix of white-collar and blue-collar workers and are generally welcomed as an important source of income for Sturgis and surround-ing areas. — Wikipedia
did you know?
august 2014 page 4
summer golf tournaments to your healthTHE 20TH ANNUAL SNOHOMISH COUNTY WINDERMERE FOUNDATION GOLF TOURNAMENT was held on Tuesday, July 22, 2014 at Legion Park Golf Course on Marine View Drive, Everett. Funds that were raised went to Housing Hope’s ChildHope Initiative, serving homeless and low-income children living in Snohomish County.
The cloudy weather didn’t discourage MAG participants Sue Hall, Patti Ormiston and Nancy Carmen. Jeryl and Ali Torick took charge of the MAG table, supplying games, goodies and fun for all.
Sue Hall will sponsor a hole at the Century 21 Easter Seals Tournament on August 21, 2014 at Cedar Crest Golf Club, Marysville, WA.
APPLE CIDER VINEGAR: What are the health benefits of organic apple cider vinegar?
• Rich in Potassium: This mineral is key for growth, building muscles, transmission of nerve impulses and heart activity.
• Rich in Acetic Acid: This acid can slow the digestion of starch which can help to lower the rise in glucose that commonly occurs after meals.
• Rich in Malic Acid, which gives ACV its anti-viral, anti-bacterial and anti-fungal properties.
For these tips, white vinegar can be used, however organic cider vinegar is best, as it offers the maximum health-giving prop-erties. Dilute it before applying to your skin or drinking; it is very acidic and can damage the tooth enamel and the tissues of your throat, mouth or skin.
• Insect Bites: Vinegar is great for relieving the pain and irritation from mosquito bites, minor jelly-fish and bee stings. Use with a cotton pad on the affected area.
• Sunburn or Itchy Skin: Pour one cup of cider vinegar into a hot bath, and relax! The vin-egar will help to relieve the symptoms and sooth your skin.
employee submissions
Kevin Everett and his little helper Layla win the trivia contest • Jeryl helps celebrate July 4th with the flag • DeBorah Williams celebrates her birthday with a little help from her friends
august 2014 page 5
critical dates – august & september
tomato season!
PASTA WITH FRESH TOMATO SAUCE
2 lb. ripe tomatoes ¼ C. fresh basil 1 TB flat-leaf parsley 1 TB chopped garlic ¼ C. extra-virgin olive oil salt and pepper 1 lb. spaghetti or spaghettini Grated Parmesan cheese
1. Finely chop tomatoes, basil, parsley, and garlic, and mix together with olive oil.
2. Cook pasta until al dente, drain and toss it in a serving bowl with the raw sauce. Drizzle with olive oil, serve with grated cheese.
ACTIONFHA PAYOFF (FHA Streamline Refinance & Conv. w/ FHA Payoff)
NON-FHA PAYOFF (Conventional & FHA w/Conv. Payoff)
Assign to Processing 8-05-2014, 5:00 p.m. 8-05-2014, 5:00 p.m.
Submit to Underwriting 8-12-2014, 5:00 p.m. 8-12-2014, 5:00 p.m.
Prior to Doc (PTD) Conditions Submitted to Underwriting
8-20-2014, 5:00 p.m. 8-20-2014, 5:00 p.m.
Draw Docs 8-22-2014, 2:00 p.m. 8-22-2014, 2:00 p.m.
Sign Docs 8-23-2014, 5:00 p.m. 8-23-2014, 5:00 p.m.
Fund 8-28-2014, 5:00 p.m. 8-28-2014, 5:00 p.m.
Disburse 8-29-2014, 5:00 p.m. 8-29-2014, 5:00 p.m.
Deliver File to Shipping 9-04-2014, 5:00 p.m. 9-04-2014, 5:00 p.m.
Pay UFMIP 9-04-2014, 5:00 p.m. N/A
Ship to Investor 9-09-2014, 5:00 p.m. 9-09-2014, 5:00 p.m.
Settle with Investor/ Clear Warehouse Line
9-12-2014, 5:00 p.m. 9-12-2014, 5:00 p.m.
PLEASE NOTE: As the 31st falls on a Sunday it would be preferable to fund on Thursday the 28th and record on the Friday 29th.
think green
end your relationship with plastic• Stop buying bottled water: it is not
worth the monetary or health costs. Instead, invest in a glass water bottle and water filter. The upfront costs will pay off the in long run.
• Always choose a glass baby bottle. Always.
• Limit processed foods a much as possible. Processed foods can become contaminated with plasticizers during any part of the preparation process, both before packaging and also as a result of packaging.
• When provided the option of purchasing a processed/prepared grocery item in a can, plastic bottle or glass jar, always choose glass. While avoiding the plastic bottle may be obvious here, what is not so obvious is the fact that cans are lined with plasticizers to keep from rusting. Studies have shown that cans leach more than double the BPA than plastic baby or drinking water bottles, though far fewer of the former tout the “BPA-free” label in comparison to the latter.
• Invest in a quality set of glass food storage containers. For kids, consider using a stainless steel lunch box.
For more hints on breaking up with plastic, check out http://bodyunburdened.com/end-your-relationship-with-plastic/
