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FHA HARP Reverse VA Triggers Conventional & More


Ta b le of C ontents

Table of Contents

1 2 3 4 5 6 7 8 9 10 11

About SKM Media Group

SKM Mortgage Databases AVMs

Lead Scoring Risk Indicators Turn-key Direct Mail

Creative Examples

SKM3600 Customer SnapShot SKM Marketing Platform SKM Marketing Platform

12 13 14 15 16 17 18 19 20

FHA Case Study FHA Data Card HARP Case Study HARP Data Card Reverse Case Study Reverse Data Card Triggers Data Card VA Data Card Testimonials

SKM Marketing Platform

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About SK M Med ia Group

About SKM Media Group SKM Media Group (SKM) provides simple and effective marketing solutions for lending organizations to help increase sales, provide more inbound leads, and lower cost per acquisition. We build response-driven databases that perform at a high level for direct mail and telemarketing campaigns. SKM has built an easy-to-use marketing platform that enables loan officers to create, launch and manage enrollment and/or on-demand marketing campaigns within minutes. Our proven enrollment methodology has increased participation in on-going marketing/cross-selling campaigns for multi office locations. It has also been utilized to execute and simplify what normally is a difficult process for 90% of loan officers. Further, SKM’s direct mail coordination and project management, together with our network of logistics partners around the country, ensures accurate in-home delivery. And our highly responsive customer support team helps coordinate and manage mail campaigns for thousands of loan officers on a local, regional and national level.

The difference is in the data.

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SKM Mortga ge Da ta ba se s

Our Databases Help You Fund More Loans If You Think All Databases Are Created Equal, Think Again

SKM’s Response Driven Databases Get Results

FHA/VA

Use SKM’s FHA/VA database to target homeowners who have an FHA or VA loan. This file allows you to pinpoint high interest rate mortgage holders who may want to refinance using mortgage dates, and/or prospects who are eligible to take advantage of updates to FHA and VA lending provisions.

HARP

One of our most popular files, SKM’s HARP database contains more than 7 million candidates in the United States who are eligible to refinance under the expanded provisions of HARP. You can use this database to reach prospects on a local, state or national level with precise accuracy. Using our proprietary selection criteria, you can target eligible homeowners who have: • • • • • • •

Fannie Mae or Freddie Mac serviced loans Low equity or are upside down An estimated credit score of 640+ No bankruptcy in the previous 24 months Minimum loan balance of $100k LTV: 90-150% on Fixed; 80-105% on ARMs Mortgage open dates prior to June 1, 2009

Reverse Mortgage

SKM’s reverse mortgage prospecting database targets senior homeowners who are most likely to qualify for a reverse mortgage. This proprietary data model targets homeowners who are 65 years or older, have <50% LTV and loan amounts of $100,000 or more. Data selects include: name, address, loan type, loan rate, lender name, age, loan to value, property type and much more.

Targeted Consumer Lists

SKM’s Consumer Database contains more than 230 million records including demographic information on homeowners, renters, automobile owners, boat owners, financial investors and many more. Our Consumer Database allows you to target responsive, motivated prospects using detailed information about their preferences, purchasing behaviors, hobbies, financial status, etc. SKM further assists clients by providing them with access to the largest and most comprehensive lists and databases of self-reported consumer information in the direct marketing industry. This file contains more than 500 response segments that cover all aspects of how consumers live, what they spend their money on and what interests they have. Compiled from responses to consumer surveys and product registration cards, this database includes consumer interests such as online, travel, health, money, hobbies and more.

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Automated Valuation Models (AVMs)

Overview of AVMs

As a data services leader, SKM Media Group (SKM) calculates current market value using a combination of third-party Automated Valuation Models (AVMs). This intuitive method allows us to maximize the number of records we can offer clients with a current property value already populated. We further apply business rules to ensure that the most accurate value is used when multiple models value a property. Generally speaking, AVMs were designed to be used as part of the loan origination process. In order to maximize our clientsâ&#x20AC;&#x2122; success, SKM makes AVMs available for marketing purposes and clients can use AVMs to analyze property characteristics and apply individualized appreciation factors for each one. The use of AVMs, in conjunction with our data universe, enables us to provide very accurate property values to optimize lendable equity calculations and LTV. The utilization of AVMs expands our current market value coverage to over 50 million properties. Furthermore, index-based AVM models determine property value by assigning a generic linear appreciation factor to similar properties within a specific geography.

The Importance of Equity

Equity is a method for measuring collateral risk. As a result, equity is one of the most important attributes used in the loan approval process, and an accurate equity attribute is critical in building an effective and

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comprehensive prospect list. Our AVMs allow us to estimate equity with greater accuracy, enabling us to help lenders make the most attractive offer to each prospect on a personal level.

Opportunity Maximization

AVMs, in conjunction with derived equity valuations, help lenders maximize the overall size of cash-out refinances. The use of AVMs further reduces the amount of fallout on loans as a result of inaccurate collateral valuations.

Stipulations of Use

AVMs are generally sold for approximately $20 to $30 per value when used in the origination process and/or as a tool for fraud prevention. Because SKM acquires AVMs at a significantly reduced cost, lenders can only use them for marketing purposes, and AVMs purchased for marketing purposes cannot be used by lenders in place of an underwriting appraisal.

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Lead Scoring & Raising ROI

LEAD VERIFICATION

Mortgage Score Package

Pre-Configured packages combine predictive scores with consumer attributes and industry data.

Custom Score Package

Select from SKM Media Group data sets and scores, or we will create a custom score, sales routing or offer code.

Then Select One

Use SKM Media Group or your vendor to verify and update name, address, phone, email, and IP.

Mortgage SCORE PACKAGES

Mortgage Banking & Credit Unions

Mortgage EXAMPLE • • • •

Loan Type Mortgage Amount & AVM 7+ Mortgage Data Points 10+ Demographic Options

the skm difference

Access all three credit bureau files plus extensive consumer information. 180 mm Consumers

Persistent Responders SKM Insight Scores (Credit Proxy, Risk, Wealth, Income, Culture)

700,000

Households

Daily

215 mm

200 mm 60 mm Records

1,100 DATA POINTS

Triggers from credit inquiries for mortgage, insurance, auto or credit cards.

183 mm

CONSUMERS

Consumers

Automotive Information

4

60 mm

Tri-Bureau Credit

Consumers

69 mm

Homeowners

Demographic Information

Property Information

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Identifying Risk Indicators

Using risk indicators to target the credit quality of prospects without the hassles of pre-screen credit data In response to our clientsâ&#x20AC;&#x2122; needs, SKM Media Group (SKM) has developed a risk indicator assessment system that helps identify areas that may be more likely to fit prospect credit risk categories. Statistically derived from factors such as demographic, lifestyle, behavioral and other credit trade line information, SKM aggregates its risk indicator categories at the ZIP+4 level. SKM developed this model, which is geared toward direct marketers, based on years of experience in the credit direct marketing industry. Our risk indicator system utilizes property, demographic and summarized credit statistics, and SKM has crunched millions of transactions to validate each category. The use of summarized consumer credit data as part of risk indication removes the burden of making a pre-approved offer of credit while still retaining the accuracy of the data for list selection and high level risk management. SKMâ&#x20AC;&#x2122;s risk indicator assessment system is a core feature of our data analytics capabilities, and is available through our proprietary online marketing platform. Additional selects include demographic, geographic, lifestyle and property criteria, and more.

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Risk Indicators FEATURES

Categories

Deep Subprime (519 and below) Subprime (520 to 619) Near Prime (620 to 679) Prime (680 to 719) High Prime (720 and above)

Benefits

Mortgage Amount Type of Loan Estimated Score Mortgage Open Date AVM Market Value (Estimated) Purchase Date Purchase Price Type of Dwelling Loan-to-Value (Estimated)

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Turn-key Direct Ma il

Turn-key Direct Mail Direct mail is one of the best marketing resources for generating high-quality, targeted leads. A turn-key direct mail campaign enables you to deliver the right message directly to your audience with precision accuracy. SKM Media Group employs its 30 plus years of direct marketing expertise to help clients in the mortgage industry maximize their opportunity for growth through each customized turn-key direct mail campaign. SKM creates, prints and mails millions of high impact, high response marketing pieces monthly for our clients ranging from individual agencies to Fortune 500 companies. Our network of printing facilities throughout the country allows us to offer direct mail campaigns at a competitive price with the ability to expedite jobs on an as-needed basis. We understand that the productivity of each agent/agency depends heavily on the effectiveness of their marketing campaigns. Rely on SKMâ&#x20AC;&#x2122;s direct mail experience to help increase your response rates and more importantly, your return on marketing investment. SKMâ&#x20AC;&#x2122;s turn-key direct mail campaigns get results. With more than three decades of combined direct marketing experience, SKMâ&#x20AC;&#x2122;s team of sales and marketing professionals will work with you to create customized direct mail campaigns tailored specifically to your needs.

All turn-key direct mail Campaigns include: Call Tracking

Postage Packaging Data

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Creative

Printing

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Crea tive Exa mp l es

Creative Examples

FHA

HARP

Triggers

Reverse

VA 6x11 POSTCARDS

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6x9 POSTCARDS

Snap Pack Mailers


SKM Performs for Mortgage Lenders!

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SKM360 Customer SnapShot 0

How to Get the Most Out of Your Customers How to Get the Most Out of Your Customers The SKM360 0 Customer Snapshot helps you understand your customers and how to find more just like them. In three simple steps, you can find your target prospects that look just like your best customers and deploy an effective marketing campaign.

Step One:

Upload a minimum of 2,500 to a maximum of 100,000 of your best customers.

Step Two:

We run our SKM3600 Customer Snapshotâ&#x20AC;&#x201D;a comprehensive customer profile and match report of like-minded prospects.

Step Three:

Order your Data and/or Direct Mail Campaign. Review your target prospect report and place your order. Your order will be fulfilled to your specifications. Data Orders are typically completed within hours and mail campaigns within 72 hours of payment and final proof approval.

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SKM Marketing Pl a tform

SKM Marketing Platform SKM Media Group’s proprietary Marketing Platform has redefined the direct marketing process and made it easy for mortgage companies of all sizes to create highly effective marketing campaigns and generate a significant return on investment. In the past, you needed a list provider, a design team and a mail house to run a professional direct mail campaign. SKM has combined all of these pieces into one easy-to-use platform with everything you need to create a successful direct mail and/or telemarketing campaign in just 4 easy steps.

Benefits of Marketing Platform Adoption: • Significantly streamlines marketing operations on a local, regional or national level! • Dramatically increases the level of user participation and helps mortgage companies with remote field offices gain market share and reduce cost per acquisition. • Creates and reinforces branding, and provides an all-in-one one solution for your company’s direct marketing needs! • Provides access to a full suite of mortgage marketing services including: direct mail, email, telemarketing, targeted databases and more. • Other marketing services can be integrated into the SKM platform – you can even upload your own collateral and data! • Features affordable pricing and includes collective volume and/or cost subsidization. • You will receive personalized customer support and design suggestions. The SKM Marketing Platform is redefining your ability to increase return on marketing investment.

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SKMâ&#x20AC;&#x2122;s Mortgage Lead Generation Platform Gets your loan officers marketing!

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SKMâ&#x20AC;&#x2122;s Mortgage Lead Generation Platform Gets your loan officers marketing!

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Case S t udy: FHA / DIRE CT MAIL ca mp a ign

SKM Media Group FHA Direct Mail

Campaign Achieves ROI of 700% The Challenge A regional office (The Region) of a large mortgage company with multiple locations throughout the U.S. was having difficulty acquiring a steady stream of qualified leads for its sales team using generic, non-targeted marketing methods.

“The revenue from each deal averaged $4,000, resulting in over $56,000 in total revenue and a return on investment of 700%.”

As a result, the challenges included the need to identify and utilize a direct marketing method that could be highly targeted, stay within the The Region’s budget requirements, and have the ability to produce qualified leads—while simultaneously achieving a greater return on investment.

The Solution In response to The Region’s needs, SKM Media Group (SKM) proposed a solution that had the ability to address each of the challenges presented by the situation: a turn-key direct mail campaign. The campaign would consist of a customized FHA mortgage letter mailed to 10,000 prospects, sourced from SKM’s proprietary database. Due to the nature of turn-key direct mail marketing, The Region would be able to target FHA mortgage prospects in a precise, cost-effective manner. This factor, along with The Region’s previously unsuccessful efforts using non-targeted, generic marketing methods, reinforced The Region’s resolve that a turn-key direct mail campaign would generate more qualified leads while also increasing revenue and achieving a greater return on investment.

The Results The turn-key direct mail campaign yielded incredible results including 116 unique calls, which led to 14 closed deals. The revenue from each deal averaged $4,000, resulting in over $56,000 in total revenue and a return on investment of 700%. Based on the success of The Region’s campaign, the entire company is planning to use turn-key direct mail programs as its primary source for lead generation.

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FHA Streamline Refinance Database

Reach 19 Million+ FHA Refinance Candidates with SKM’s Database SKM Media Group (SKM) has developed a proprietary data model for the FHA market that has been very successful in identifying top quality prospects for FHA Streamline refinance loans. This proprietary data model pinpoints homeowners who are excellent candidates for FHA to Conventional or Conventional to FHA loans by utilizing: • SKM’s highly accurate mortgage file • Summarized credit information • Advanced data analytics capabilities SKM’s FHA Streamline Database targets current FHA mortgage holders with estimated credit scores above 640 and interest rates greater than 6.00%. Compiled and updated regularly from county clerk and tax assessor office records, the FHA Streamline Database is also overlaid with our statistical model. This enables us to pinpoint open FHA mortgage holders that are in need of a loan refinance. This file gives mortgage marketers the ability to target more than 19 million FHA homeowners and prospects, and has produced excellent results with direct mail and telemarketing campaigns.

1.53 13

% Average Response Rate

FHA DATABASE FEATURES

Standard Selects

Name State County Zip Phone(s) Age Length of Residence

Key Selects

Mortgage Amount Type of Loan Estimated Score Mortgage Open Date AVM Market Value (Estimated) Purchase Date Purchase Price Type of Dwelling Loan-to-Value (Estimated)

Universe

19 Million+ Households

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Case Study: HARP / DIRECT MAIL campaign

SKM HARP Direct Mail Campaign

Achieves 17% Closed Loan Ratio The Challenge Due to recent adjustments to the Home Affordable Refinance Program (HARP) by the federal government, millions of homeowners who were previously unable to obtain a traditional loan refinance now have the opportunity to do so through the HARP program.

Upon completion, the turn-key direct mail campaign resulted in The Branch receiving a response rate of 2.1 percent, including a total of 2,097 calls, 734 completed applications and 125 closed loans – a closed loan ratio of 17%.

As a result, the branch (The Branch) of a large mortgage company with numerous locations throughout the country was seeking to target fundable, eager homeowners eligible to participate in the HARP program in an effective, cost-friendly manner. The project was two fold: 1) to secure a prospect database that The Branch could utilize to target eligible HARP participants; and 2) to couple this data with a champion mail piece that would maximize response rates and yield a high return on investment, while still adhering to the underwriting guidelines of the HARP program.

The Solution As a proactive data services leader, SKM Media Group (SKM) expanded upon its existing multi-sourced customer acquisition file, the HARP Loan Refinance Candidates Database, to include the updated provisions of the HARP program. SKM’s updated Database featured adjusted metrics such as Fannie Mae and Freddie Mac indicators, and changes to mortgage open dates and the loan-to-value (LTV) ratio among others. In response to The Branch’s needs, SKM proposed a turn-key direct mail campaign, sourced from SKM’s updated HARP Loan Refinance Candidates Database, that would target eager homeowners who were previously ineligible to refinance under the program. The campaign would consist of a customized mailer targeting 100,000 homeowners in geographical areas identified as having the highest number of eligible households. Due to the precise nature of SKM’s turn-key direct mail campaigns, The Branch would be able to maximize response rates while also targeting HARP refinance prospects in a cost-effective manner.

The Results Upon completion, the turn-key direct mail campaign resulted in The Branch receiving a response rate of 2.1 percent, including a total of 2,097 calls, 734 completed applications and 125 closed loans – a closed loan ratio of 17%. Based on the campaign’s return on investment, The Branch’s parent company is planning to implement a nationwide campaign for all of its branches using SKM’s HARP direct mail programs.

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HARP Refinance Candidates Database

Reach 7 Million+ Refinance Prospects with SKM’s HARP Database SKM’s HARP Database allows you to reach more than 7 million HARP refinance candidates in the United States on a local, state or national level with precise accuracy. Using our proprietary selection criteria, you can target eligible homeowners who have: • • • • • • •

Fannie Mae or Freddie Mac serviced loans Low equity or are upside down An estimated credit score of 640+ No bankruptcy in the previous 24 months Minimum loan balance of $100k Loan-to-Value: 90-150% on Fixed; 80-105% on ARMs Mortgage open dates prior to June 1, 2009

As a compliment to our proprietary selection criteria, you can further increase the effectiveness of your campaign by utilizing SKM’s advanced analytic and consumer segmentation system. These tools, along with the support of our dedicated team of sales and marketing professionals, will help you identify and target the ideal prospects for your HARP campaign.

1.86 15

%

Average Response Rate

HARP DATABASE FEATURES

Standard Selects

Name State County Zip Phone(s) Age Length of Residence

Key Selects

Mortgage Amount Type of Loan Estimated Score Mortgage Open Date AVM Market Value (Estimated) Purchase Date Purchase Price Type of Dwelling Loan-to-Value (Estimated)

Universe

7 Million+ Candidates

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Case Study: Reverse mortgage / DIRECT MAIL campaign

SKM Reverse Mortgage Direct Mail Campaign

Yields 1.81% Response Rate The Challenge The local branch (The Branch) of a large mortgage brokerage company with multiple locations throughout the United States was having difficulty acquiring a reliable stream of qualified leads for its sales agents using non-targeted direct marketing methods.

The... campaign produced exceptional results, yielding 724 unique calls from a one-drop, 40,000 piece mail campaign—a response rate of 1.81%.

Subsequently, the challenges included (1) the need to identify and utilize a direct marketing method that could be highly targeted, (2) stay within the The Branch’s budget requirements, and (3) have the ability to produce qualified leads while also achieving a high return on investment.

The Solution In light of The Branch’s needs, SKM Media Group (SKM) proposed using a turn-key direct mail campaign, a solution that had the ability to address each of the challenges presented by the situation. The campaign would consist of a customized reverse mortgage letter, mailed to 40,000 prospects, sourced from SKM’s proprietary Reverse Mortgage Prospecting Database. Due to the precise nature of turn-key direct mail marketing, The Branch would have the ability to target seniors and other reverse mortgage prospects in a precise, cost-effective manner. This factor, along with others including The Branch’s previously unsuccessful efforts using non-targeted marketing methods, reinforced The Branch’s resolution that a turn-key direct mail campaign would generate more qualified leads while also achieving a high return on investment.

The Results The turn-key reverse mortgage mail campaign produced exceptional results, yielding 724 unique calls from a one-drop, 40,000 piece mail campaign—a response rate of 1.81%. Due to the campaign’s success, The Branch—and the entire mortgage brokerage company—is planning to use turn-key direct mail campaigns as its primary source for generating a reliable stream of qualified leads for its sales agents.

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Reverse Mortgage Prospecting Database

Reach 10 Million+ Seniors In Need Of A Reverse Mortgage As a loan originator or mortgage broker, we know how important it is for you to get quality reverse mortgage leads in order to drive the growth of your business. If you are looking for eager new clients who may be interested in a reverse mortgage, look no further than SKM Media Group’s Reverse Mortgage Prospecting Database. If you specialize in reverse mortgage loans, you will experience excellent results with this file. This prospecting database allows you to reach all or a portion of the more than 10 million seniors in need of a reverse mortgage who: • • • •

Are age 62 or older Have a Loan-to-Value less than 50% Possess a home value of $100,000 or more Have a subprime mortgage

As a compliment to our proprietary selection criteria, you can further increase the effectiveness of your reverse mortgage campaign by utilizing SKM’s advanced analytic and consumer segmentation system. These tools, along with the support of our dedicated team of sales and marketing professionals, will help you identify and target the ideal prospects for your reverse mortgage campaign.

1.81 17

%

Average Response Rate

Reverse Mortgage DATABASE FEATURES

Standard Selects

Name State County Zip Phone(s) Age Length of Residence

Key Selects

Mortgage Amount Type of Loan Estimated Score Subprime Risk Indicator AVM Market Value (Estimated) Purchase Date Purchase Price Type of Dwelling Loan-to-Value (Estimated)

Universe

10 Million+ Seniors

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SKM Mortgage Trigger Leads

Mortgage Trigger leads FEATURES

Standard Selects Name Address Phone(s)

Estimated Selects

Loan-To-Value Current Home Value

MORTGAGE Selects

Mortgage Amount Mortgage Date Loan Type Rate Type Lender Name Purchase Amount Purchase Date

Universe

2.8 Million / Month

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Target Creditworthy Consumers who are Actively Seeking a Mortgage The key to successful direct marketing is getting the right message to the right audience at the right time. With SKM trigger leads, you can identify and communicate with creditworthy consumers at the precise time when they will be most receptive to your offer. Because they have recently inquired about a new mortgage, you are in competition for these active prospects with your competitors. Since these consumers have an immediate need for a loan, these leads will typically close faster and exhibit lower fallout rates than traditional leads, yielding a very attractive cost per funded loan. SKM mortgage trigger leads allow you to target only consumers who are in the market for a mortgage. These trigger leads are derived from inquiries into a consumerâ&#x20AC;&#x2122;s credit report. And SKM evaluates the enormous quantity of inquiries that are generated by the hundreds of third party data resellers into the three credit repositories to identify prospects that specifically need a mortgage. Our sophisticated analysis includes an innovative process that helps cleanse false mortgage triggers from your marketing universe. Target based on characteristics unique to your best prospects.

1.15

%

Average Response Rate

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VA Streamline Refinance Database

Target 1 Million+ VA Refinance Candidates with SKM’s Database SKM Media Group (SKM) has developed a proprietary data model for the VA market that has been very successful in identifying top quality prospects for VA Streamline refinance loans. This highly effective data model identifies veteran or active military homeowners who are excellent candidates for VA Streamline Loans by utilizing: • SKM’s highly accurate mortgage file • Summarized credit information • Cutting-edge data analytics capabilities SKM’s VA Streamline Database targets current VA mortgage holders with estimated credit scores above 640 and interest rates greater than 6.00%. Compiled and updated regularly from county clerk and tax assessor office records, the VA Streamline Database is also overlaid with our statistical model. This enables us to pinpoint open VA mortgage holders that are in need of a loan refinance. This file gives mortgage marketers the ability to target more than 1 million VA homeowners and prospects, and has produced excellent results with direct mail and telemarketing campaigns.

1.26 19

%

Average Response Rate

VA DATABASE FEATURES

Standard Selects

Name State County Zip Phone(s) Age Length of Residence

Key Selects

Mortgage Amount Type of Loan Estimated Score Subprime Risk Indicator AVM Market Value (Estimated) Purchase Date Purchase Price Type of Dwelling Loan-to-Value (Estimated)

Universe

1 Million+ Veterans

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SK M Performs for Mortga ge Lend e rs!

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What Some of Our Customers are Saying “SKM has been an integral part of our company’s marketing for over 3 years. Their staff’s expertise in mortgage lending is second to none and has helped us create winning campaigns time after time.” Jim C., Director of Marketing - Dallas, TX “SKM’s products and services have increased our inbound call volume by 25% and decreased our mailing costs by 14%. We’ve used just about every major mortgage marketing company out there, but SKM is the one we keep going back to.” Steven M., President - Irvine, CA “This note is way overdue, but I wanted you to know how much I appreciated the hard work from the entire SKM staff. I am a long time customer and your years of excellence in customer service remains true today and the level of involvement from my sales representative is outstanding. SKM has made my yearly marketing program something easy to plan. I cannot recommend them highly enough.” Suzette H., Loan Officer - Miami, FL “I have had the privilege of working with SKM on several different occasions. Working with them the first time I knew they were different. They very quickly understood our needs as a company and developed strategies with us to meet and exceed our goals. Their foresight in the marketplace was excellent and I would highly recommend them for any projects large or small.” Mike C., CMO - Boston, MA “Lucky I found them, they’ve always been our secret weapon. They’re not a vendor, they’re a partner.” Wayne E., Loan Officer - Philidelphia, PA “I am impressed with the level of knowledge SKM’s sales team has in regards to their marketing services. I am quite pleased with the fast turnaround and competitive pricing. SKM has helped grow our client base over the past year significantly.” Trish M., VP of Marketing - Baltimore, MD “SKM has this stuff down to a science. Our phones are ringing off the hook with qualified homeowners.” Jonathon P., Branch Manager - Minneapolis, MN “I wanted to thank you for giving us the opportunity to purchase leads for the Harp 2.0 program. They have been great, and this is the third time I have ordered them. I have made more money this last month and a half then I did most of last year.” Betty S., Loan Officer - Orlando, FL “The quality of our inbound phone calls has dramatically increased since we switched to SKM Media Group for our turnkey direct mail marketing efforts. Our sales team now gets excited when I tell them a new mail campaign is dropping. Overall morale has increased, loan volume has increased and we are now hiring new loan officers as we grow.” Brandon E., Chief Operating Officer - Chicago, IL

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SKM Mortgage Catalog 2013