Loan Officer Magazine: August 2023

SUPERHERO OF COMPASSION & REAL ESTATE

By Loan Officer Magazine

In the face of one of the most challenging real estate markets in recent memory, Producing Branch Manager Tim Brigham has managed to not only survive but thrive His secret lies in the combination of proven systems and the addition of coaching, which has propelled him to consistent success Beyond his achievements in the real estate industry, Tim's work with his not-for-profit superhero collective and his visits with children battling cancer have deeply impacted his life, inspiring him to rise above his own adversities This is the story of a remarkable individual who has mastered the art of navigating a tough market and transforming lives through compassion and determination

Tim Brigham firmly believes that in the real estate industry, success is driven by the implementation of proven systems He recognized early on that having a well-defined structure in place is vital for efficiency and productivity By leveraging technology, streamlining processes, and establishing clear communication channels, Tim has created a foundation for success in the most challenging markets. These systems have allowed him to focus on building strong relationships with clients, providing exceptional service, and staying ahead of the competition “I’ll never forget something my coach once taught me on the power of removing fluff from your business Talking about what you are going to do and having ideas are great but it’s the measurable actions that matter. What are you going to accomplish and how can you have accountability?

If you want to fund 100 million, how are you going to get there and what does that translate to in daily metrics? This is where coaching becomes fun ”

That translate to in daily metrics? This is where coaching becomes fun.”

In addition to implementing proven systems, Tim attributes his achievements to the guidance and support of skilled coaches Recognizing the value of continuous learning and personal development, he sought out mentors who could provide him with the knowledge and insights necessary to excel.

Through coaching, Tim honed his skills, gained clarity on his goals, and received valuable feedback to refine his strategies The guidance of coaches has not only accelerated his professional growth but has also nurtured his mindset, enabling him to overcome challenges with resilience and determination. In the competitive world of mortgage lending, Tim Brigham discovered a simple yet often overlooked method to exponentially grow his business: overcommunication By embracing phone calls and regularly updating referral partners, buyers' agents, and sellers' agents every Tuesday on loan status, Tim witnessed his mortgage business quadruple.

While automation has its merits, Tim recognized the immense value of personal connection By actively reaching out and sharing real-time updates, he built trust and fostered strong relationships with his referral partners. This open line of communication allowed Tim to address any concerns promptly and ensure a smooth loan process for all parties involved Furthermore, by consistently updating the buyers' and sellers' agents, Tim showcased his commitment to transparency and exceptional service This level of attentiveness and reliability not only instilled confidence in his clients but also established him as a reliable and trustworthy loan officer.

In an era where digital communication prevails, Tim's success serves as a reminder of the power of genuine human connection Many loan officers miss out on valuable opportunities by relying solely on automation By embracing personal phone calls and going the extra mile to keep all parties informed, loan officers can unlock untapped potential for business growth and client satisfaction

Tim Brigham's story is a testament to the profound impact of over communicating and building strong relationships. In an industry where trust and reliability are paramount, his method has proven to be a gamechanger, propelling his mortgage business to unprecedented heights

SUPERHERO OF COMPASSION & REAL ESTATE

By Loan Officer Magazine

Beyond his career in real estate, Tim Brigham is a compassionate philanthropist who strives to make a positive impact in the lives of others Inspired by his encounters with children battling cancer, he established a not-for-profit superhero collective This remarkable initiative brings together volunteers who dress up as superheroes and visit hospitals, spreading joy and hope to young patients fighting life-threatening illnesses Through these visits, Tim aims to uplift spirits, create unforgettable moments, and instill a sense of empowerment and strength in the children To date with have filled hospitals with hundreds of thousands of dollars in toys and needed equipment. Our biggest Tim's work with children battling cancer has profoundly changed both their lives and his own.

Witnessing the indomitable spirit and resilience of these young fighters, he found a renewed sense of purpose and inner strength The children taught him the importance of living in the present, cherishing every moment, and finding joy even amidst adversity Their unwavering optimism inspired Tim to channel his own challenges into opportunities for growth, pushing him to become the best version of himself. “There is nothing that will ever compare to meeting a child in the hospital facing these challenges. They are always the sweetest, nicest kid you will ever meet and genuinely worried about you and YOUR day I think we can all learn something from this and how foolish we are to worry about our day to day Someone out there would do anything to have your problems today vs what they have in front of them I do my absolute best every single day to not waste the gift god has

given me

”

While enjoying success in his real estate career and making a difference through his superhero collective, Tim Brigham faced his own personal adversity. A sudden health challenge threatened to derail his progress and tested his resolve. However, armed with the lessons he had learned from the children he visited, Tim confronted his obstacles head-on Drawing on his resilience and the support of loved ones, he forged ahead, refusing to let adversity define him Tim's determination to overcome his own hurdles serves as a testament to his unwavering spirit and commitment to living life to the fullest

Real life superhero makes cancer survivor’s dream come true

In 2018, Brigham, in collaboration with the Superhero Collective, initiated the home giveaway project. This endeavor was a fusion of his love for real estate, mortgage lending, and assisting families in dire circumstances As a result of this project, a deserving family was gifted a home

FROMLEFT PETEHOULIHAN NICOLEHOULIHANANDTIMBRIGHAM

THE MORTGAGE BANKING ROLLER COASTER:

UP AND FIND YOUR WHY

By: John Horton

Arecent client's experience serves as a perfect example of the power of perseverance and adaptability in the mortgage industry This first-time homebuyer and his wife, with a twoyear-old at home and another baby on the way, faced a challenging deal that seemed uncertain to close To ease their stress, I advised them to take a deep breath, trust the process, and work together towards a positive outcome

Miraculously, the client managed to secure a crucial document just two days before closing, and we successfully completed the deal The family's gratitude was overwhelming They felt they were restarting their lives, and their young child even experienced playing in the grass for the first time The borrower expressed his desire to leave the past behind and reset for a brighter future. This heartwarming experience serves as a reminder to never underestimate the impact we have on our clients' lives. Our dedication and hard work can leave lasting impressions and create positive change for those we serve

“AS YOU GROW OLDER, YOU WILL DISCOVER THAT YOU HAVE TWO HANDS, ONE FOR HELPING YOURSELF, THE OTHER FOR HELPING OTHERS.”

MAYA ANGELOU

In the mortgage industry, consistency and determination are essential for success However, the mortgage business can often feel like a roller coaster ride, filled with ups and downs. In these challenging moments, it's crucial to remain focused, push through difficulties, and adopt a mindset of resilience. Many loan officers and brokers leave the industry due to a lack of determination, but those who stay committed can rise above the rest

To succeed in this competitive field, remember to take a moment to relax, then rewind, reset, and restart Find your "why" and let it drive you forward

WFH Quick Tip

stablish a routine with regular reaks to maintain productivity and revent burnout while working emotely

ow often are you taking breaks? re you making sure you do them onsistently?

MASTER THE ART OF SHORT FORM CONTENT

In the ever-evolving world of social media, staying ahead of the trends is crucial for maintaining a successful online presence. The latest social media trend taking the internet by storm is short-form video content, with platforms like TikTok and Instagram Reels leading the charge These bite-sized videos, typically ranging from 15 to 60 seconds, have become the go-to format for users seeking quick entertainment, education, and inspiration. As more people continue to embrace this trend, businesses and content creators must adapt their strategies to capitalize on its popularity and drive engagement

To make the most of short-form video content, here are some tips to help you stay ahead of the curve:

Focus on storytelling: Despite the time constraint, it's essential to convey a clear and compelling narrative in your short-form videos Use captivating visuals, text overlays, and concise language to keep your audience engaged from start to finish.

Leverage trending sounds and hashtags: Keeping an eye on popular music tracks, sound bites, and hashtags can help your content gain traction Incorporate these elements into your videos to increase the likelihood of appearing on users' "For You" or "Explore" pages.

Offer value: Ensure your content provides value to your audience, whether it's educational, entertaining, or inspirational By offering something unique and useful, you'll encourage viewers to share your content with their network, boosting your reach and visibility.

Embrace authenticity: Audiences often gravitate towards genuine, relatable content Don't be afraid to showcase your personality, share behind-the-scenes moments, or discuss real-life experiences Authenticity helps create a stronger connection with your audience and fosters brand loyalty.

Experiment with formats: Short-form video platforms offer various creative tools and editing features that enable you to experiment with different styles and formats. Test out different approaches to see what resonates with your audience and drives the most engagement.

By incorporating these tips into your social media strategy, you'll be well-equipped to ride the wave of short-form video content and make a lasting impact on your online presence So, grab your smartphone, brainstorm some ideas, and start creating captivating content that will leave your audience craving more Have questions about how to incorporate short form video into your social media strategy, The Marketing Firm is here to help!

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Stretching or light exercise

Taking a short walk outside

Breathing exercises or meditation

Making a cup of tea or coffee

Listening to a favorite song or podcast

Quick tidying or organizing your workspace

Connecting with a friend or family member via text or call

Watering plants or tending to a small garden

Engaging in a brief creative activity like doodling or journaling

on something healthy and energizing

SUMMARY AND REVIEW OF KEY ECONOMIC DATA

THAT AFFECTS THE MORTGAGE AND HOUSING MARKETS

The Mortgage Economic Review is a monthly summary of Key Economic Indicators, Data, and Events pertinent to Mortgage, Housing, and Finance Professionals

AT A GLANCE - Key Economic Events and Data released during July 2023

Interest Rates: The 10-Year Treasury yield rose to 3.97% (Jul 31) from 3.81% (Jun 30).

Housing: Existing Home Sales fell 3.3% (-18,9% YoY), New Home Sales fell 2.5% (+23.5% YoY), Pending Home Sales rose 0.3% (-15.6% YoY), Home Prices are up 1.7% to 2.8% YoY.

Labor: The US Economy created 209,000 New Jobs in June, the Unemployment Rate fell to 3.6%, and Wages increased by 4.4% YoY.

Inflation: June CPI rose 0.2% (+3.1% YoY), and PCE rose 0.2% (+3.0% YoY).

The Economy: US GDP grew by a 2.4% annualized rate in 2Q2023, up 2.6% YoY.

Consumers: Retail Sales rose 0.2% (+1.5% YoY), Consumer Confidence and Sentiment rose.

Stock Markets rose in July: Dow +3.3%, S&P +3.0%, Nasdaq +3.8%.

Oil prices rose 17% to $82/Barrel (Jul 31) from $70/Barrel (Jun 30).

Interest Rates and Fed Watch

As expected, the Fed Raised the Fed Funds Rate by another 0.25%. This marks the 11th increase in 16 months. The target range is now 5.25% - 5.50% - the highest in over 20 years. The Fed also said this is not the last increase. The FOMC Statement said: "In determining the extent of additional policy firming that may be appropriate to return Inflation to 2% over time, the Committee will take into account the cumulative tightening of monetary policy, the lags with which monetary policy affects economic activity and Inflation, and economic and financial developments...The Committee is strongly committed to returning Inflation to its 2% objective."

10-Year Treasury Note Yield rose to 4.02% (Jul 31) from 3.81% (Jun 30).

30-Year Treasury Bond Yield rose to 3.97% (Jul 31) from 3.85% (Jun 30).

30-Year Fixed Mortgage rose to 6.81% (Jul 27) from 6.71% (Jun 29).

15-Year Fixed Mortgage rose to 6.11% (Jul 27) from 6.06% (Jun 29).

Housing Market Data Released in July 2023

New Home Sales has been a bright spot in the Housing Market - up 23.5% YoY. That's a solid trend based on reliable Data. New Home Sales should remain strong for the rest of the year. Interestingly, the Median Price of New Homes was down 16% at a time when sales were increasing. A large part of the decrease is probably due to lower lumber prices. Builders are loathed to lower prices. They would rather throw in free upgrades like basements, expensive flooring, or better cabinets than lower prices. Those free upgrades are essentially a price drop, but it doesn't show up in the Median Price Data. Comparing apples to apples, I suspect the actual drop in Median New Home Prices was more than 16%.

Mark Paoletti, MortgageElements com

SUMMARY AND REVIEW OF KEY ECONOMIC DATA

THAT AFFECTS THE MORTGAGE AND HOUSING MARKETS

Mark Paoletti, MortgageElements com

Existing Home Sales (closed deals in June) fell 3.3% to an annual rate of 4,160,000 homes, down 18.9% in the last 12 months. 26% were all Cash Sales. The median price for all types of homes is $410,200 - down 0.9% from a year ago. The median Single-Family Home price is $416,000, down 1.2% YoY. The Median Condo price is $361,600, up 1.9% YoY. Homes were on the market for an average of 18 days, and 76% sold in less than a month. Currently, 1,080,000 homes are for sale, down 13.6% YoY.

New Home Sales (signed contracts in June) fell 2.5% to a seasonally adjusted annual rate of 697,000 homes, up 23.5% YoY. The median New Home price is $415,400 (-16.4% from peak). The average price is $494,300. There are 432,700 New Homes for sale, a 7.4 month supply.

Pending Home Sales Index (signed contracts in June) rose 0.3% to 76.8 from 76.5 the previous month, down 15.6% YoY.

Building Permits (issued in June) fell 3.7% to a seasonally adjusted annual rate of 1,440,000 units - down 15.3% YoY. Single-Family Permits rose 2.2% to an annual pace of 922,000 homes, down 2.7% YoY.

Housing Starts (excavation began in June) fell 8.0% to an annual adjusted rate of 1,434,000, down 8.1% YoY. Single-Family Starts fell 7.0% to 935,000 units, down 7.4% YoY.

Housing Completions (completed in June) fell 3.3% to an annual adjusted rate of 1,468,000 units - up 5.5% YoY. Single-Family Completions fell 2.8% to an annual adjusted rate of 986,000 homes - down 2.3% YoY.

S&P/Case-Shiller 20 City Home Price Index rose 1.5% in May, down 1.7% YoY.

FHFA Home Price Index rose 0.7% in May, up 2.8% YoY.

Labor Market Economic Data Released in July 2023

The Economy created 209,000 New Jobs during June. The Jobs Data was weaker than the expected 240,000 new Jobs. Plus, the April and May Data was revised down by 77,000 and 33,000, respectively. After revisions, Net New Jobs was 110,000. If you average the last 3 months, average Job Creation was 244,000 per month. Job Openings was also down. Wages are increasing at 4.4% annually. The Labor Market continues on a solid footing but is a little cooler than the previous few months - which is exactly what the Fed wants to see.

The Mortgage Economic Review is a concise summary of Key Economic Data that influences the Mortgage and Housing Markets It's a quick read that keeps busy Professionals updated on important Economic Information Feel free to share this with colleagues in the Mortgage, Housing, Finance, and Banking business. To have the Mortgage Economic Review emailed to you each month, click here

Discover New Lending Opportunities at MortgageElements com, where you can explore over 300 Wholesale, Correspondent, Warehouse, Reverse, Construction, and Rehab Mortgage Lenders from one website Use the Mortgage Periodic Table to research Mortgage Products and connect with TPO Account Executives. It costs nothing to use It is one of the industry's largest databases of Wholesale, Correspondent, Warehouse, Rehab, and Construction Lenders.

The Mortgage Economic Review is for informational and educational purposes only and should not be construed as investment, legal, financial, or mortgage advice. The information is gathered from sources believed to be credible and may be opinion-based and editorial in nature. Mortgage Elements Inc does not guarantee or warrant its accuracy or completeness, and there is no guarantee it is without errors. This newsletter is for use by Mortgage, Housing, and Finance Professionals and is not an advertisement to extend credit or solicit mortgage originations. © Copyright 2023 Mark Paoletti, Mortgage Elements Inc, All Rights Reserved.

HARNESSINGTHEPOWER OFENNEAGRAM:

BOOSTING SALES TEAM PERFORMANCE THROUGH PERSONALITY INSIGHTS

In the competitive world of sales, understanding and leveraging the strengths and weaknesses of your team members can be the key to achieving exceptional results

Onepowerfultoolthatcanhelpyouunlockthe fullpotentialofyoursalesteamisthe Enneagram,apersonalitytypingsystemthat classifiespeopleintoninedistincttypesbasedon theircoremotivations,fears,anddesires

Bygaininginsightintoyourteam'sEnneagram types,youcancreateamorecohesive,efficient, andhigh-performingsalesteam Here'show:

1. Enhance communication and collaboration

Recognizing the different communication styles and preferences of each Enneagram type can help you facilitate better collaboration within your team For example, Type 8s (The Challengers) tend to be direct and assertive, while Type 9s (The Peacemakers) prefer a more diplomatic approach By understanding these differences, you can foster a more inclusive environment where everyone feels heard and respected, leading to improved teamwork and productivity

2. Optimize individual strengths

Each Enneagram type brings unique strengths to the table, which can be harnessed to maximize sales performance For instance, Type 3s (The Achievers) are goal-oriented and excel at motivating others, while Type 2s (The Helpers) possess exceptional interpersonal skills and can build strong client relationships By identifying and capitalizing on these strengths, you can assign roles and tasks that align with each team member's natural abilities, boosting overall performance

3. Address growth areas

Knowing your team's Enneagram types also allows you to pinpoint potential challenges and growth areas For example, Type 7s (The Enthusiasts) may struggle with focus and follow-through, while Type 4s (The Individualists) may need support in overcoming selfdoubt By addressing these issues proactively, you can provide targeted coaching and resources to help your team members overcome their obstacles and excel in their sales roles

4. Improve conflict resolution

Conflicts are inevitable in any team setting, but understanding the Enneagram types of your team members can help you navigate and resolve disputes more effectively By recognizing the underlying motivations and fears of each type, you can address the root causes of conflicts and find solutions that satisfy all parties involved

5. Foster personal and professional growth

When team members are aware of their Enneagram type, they gain valuable self-awareness that can contribute to both personal and professional growth This heightened self-understanding can lead to improved emotional intelligence, better decision-making, and increased resilience – all essential traits for success in the highpressure world of sales.

In conclusion, incorporating the Enneagram into your sales team management strategy can lead to improved communication, optimized performance, and a more harmonious work environment By taking the time to understand and appreciate the unique qualities of each team member, you can unlock their full potential and set your sales team on the path to success.

Wondering what your or your teams enneagram type is?

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Top Success Tips for Loan Officers in Today's Competitive Market

In the ever-changing landscape of the mortgage industry, loan officers must continuously adapt and refine their strategies to maintain a competitive edge.

As a loan officer, your success depends on your ability to build relationships with clients, stay updated on market trends, and provide exceptional service. Here are some top success tips for loan officers in the current market:

Focus on relationship-building: Cultivating strong relationships with clients, real estate agents, and other industry professionals is critical for success Develop a network of referral partners through networking events, social media, and local community involvement Maintain regular communication with existing clients, offering assistance and guidance throughout the mortgage process

Stay informed about market trends: Keep up-to-date with the latest news, regulations, and trends affecting the mortgage industry This knowledge will enable you to provide accurate information, anticipate potential challenges, and offer tailored solutions to your clients Subscribe to industry publications, attend webinars, and join professional organizations to stay informed

Emphasize customer service: Providing an exceptional experience for your clients will set you apart from the competition Be responsive, attentive, and proactive in addressing your clients' needs. Offer personalized advice and support, ensuring that your clients feel valued and well-informed throughout the mortgage process

Invest in technology: Utilize cutting-edge tools and software to streamline your workflow, improve efficiency, and enhance the client experience. Implement a customer relationship management (CRM) system to track leads, manage contacts, and automate communication Use digital platforms for document collection, e-signatures, and secure file sharing to simplify and expedite the loan process

Develop a strong online presence: In today's digital age, having a robust online presence is essential. Create a professional website, optimize it for search engines, and regularly update it with valuable content to attract potential clients Engage with your target audience on social media platforms, sharing relevant industry news, tips, and insights

Continuously improve your skills: To stay competitive, commit to ongoing professional development. Attend training sessions, workshops, and conferences to enhance your knowledge and skills Consider obtaining relevant certifications or designations to demonstrate your expertise and commitment to excellence in the mortgage industry

Set clear goals and track your progress: Establish measurable objectives for your business, such as a specific number of loans closed, referrals generated, or revenue targets Regularly review your progress and adjust your strategies as needed to achieve your goals

By incorporating these success tips into your approach, you'll be well-equipped to thrive as a loan officer in today's competitive market Remember, your success hinges on your ability to adapt, innovate, and provide exceptional service to your clients Stay focused, stay informed, and stay dedicated to delivering the best possible experience for your clients

BOOK REVIEW

"StartwithWhy"by SimonSinek

Ask Yourself:

In today's fast-paced world, where businesses and leaders are constantly striving for success, Simon Sinek's groundbreaking book "Start With Why" serves as a timely reminder of the importance of understanding our core motivations In this compelling read, Sinek delves into the significance of 'why' in leadership and how it influences our actions, decisions, and ultimately, our success

"Start With Why" introduces the concept of the Golden Circle, a framework that consists of three concentric circles - the innermost being 'why,' followed by 'how,' and finally 'what' According to Sinek, most organizations and leaders tend to focus on the 'what' and 'how' of their operations, overlooking the essential 'why' that drives them. The book emphasizes that to inspire others and create lasting success, leaders must first identify their 'why' and communicate it effectively.

Sinek illustrates his points with numerous examples of successful leaders and organizations, such as Apple, Martin Luther King Jr, and the Wright brothers These examples demonstrate how a clear 'why' can inspire innovation, build a loyal following, and foster a sense of purpose among team members The author argues that when we start with 'why,' we can create a strong foundation for effective decision-making, allowing us to lead with conviction and authenticity.

"Start With Why" encourages introspection and selfdiscovery. It challenges readers to examine their own motivations and understand the driving forces behind their actions By doing so, leaders can develop a greater sense of purpose, which in turn, can inspire and motivate those around them

One key takeaway from "Start With Why" is the importance of consistency between a leader's 'why' and their actions Sinek asserts that when leaders align their actions with their core beliefs, they can build trust and foster a sense of loyalty among their followers This congruence between beliefs and actions is crucial for creating an environment where employees feel motivated, engaged, and committed to the organization's mission

In conclusion, "Start With Why" is an essential read for anyone looking to strengthen their leadership skills and make a lasting impact Simon Sinek masterfully conveys the importance of understanding our 'why' and provides valuable insights into how this knowledge can transform the way we lead. By starting with 'why,' leaders can inspire, engage, and empower their teams, ultimately paving the way for enduring success.

"People don't buy what you do; they buy why you do it. And what you do simply proves what you believe."

What is the underlying purpose, cause, or belief that drives me and my organization, and how can I effectively communicate this 'why' to inspire and engage others?

5 Summer Activities

TO MAKE THE MOST OF THE SEASON

Summer is finally here, and it's time to enjoy the warm weather, longer days, and endless possibilities for outdoor fun Whether you're looking for a relaxing day at the beach or an adrenaline-pumping adventure, there's something for everyone this season Here are six exciting summer activities to help you make the most of these sunny months

1 Beach Day

A classic summer activity, spending a day at the beach is an excellent way to soak up the sun and have some fun in the water Be sure to pack your sunscreen, swimsuits, and beach towels for a day filled with sandcastles, swimming, and beach volleyball Don't forget to bring a good book or a fun beach game to keep you entertained while you work on your tan

2 Picnic in the Park

There's something magical about enjoying a meal outdoors, and summer is the perfect time to take advantage of the beautiful weather Pack a basket full of your favorite sandwiches, snacks, and refreshing beverages, then head to your local park for a leisurely outdoor meal. Bring along a blanket, some outdoor games, and good company for a delightful afternoon in the sun

3 Outdoor Movie Night

Transform your backyard into a cozy open-air cinema by setting up a projector and screen or attending a local drive-in theater Invite friends and family over for a fun evening of watching movies under the stars. Don't forget the popcorn, comfy seating, and plenty of blankets and pillows to make the experience even cozier

5 Go on a Hike

Summer is the perfect time to explore the great outdoors, so lace up your hiking boots and hit the trails Whether you're a seasoned hiker or new to the activity, there are countless trails to choose from that cater to all skill levels. Don't forget to pack plenty of water, sunscreen, and snacks for the journey You might even discover a hidden gem like a waterfall or scenic overlook along the way

6 Attend a Local Festival

Summer is festival season, and there's no shortage of events happening in towns and cities across the country From food and music festivals to arts and crafts fairs, there's something for everyone to enjoy Check out your local community calendar to see what's happening near you and make plans to attend an event that piques your interest

In conclusion, summer offers an abundance of opportunities to get outside and enjoy the warm weather With these six fun activities, you'll have no trouble making the most of the season So, gather your friends and family, and start planning your ultimate summer adventure today!

BECOMEOURNEXT GUESTWRITER!

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Mark your calendars and join us to step into your power, embrace change, and celebrate womanhood at the 2024 Mortgage Girlfriends Bold Conference Let's create a POWerful impact together!

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