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EMPLOYEE NEWSLETTER | May 2013

ALSO IN THIS ISSUE: • Products Magnified • MAG igniter • Who’s Who at MAG • Going Green • To Your Health • Top Producers • Important Dates • Security Tip • Employee Submissions • Kudos

Promotional products WORK in increase your business. The launch of our Prospecting Program has been a huge success! But why stop there, we understand that promotional products are unparalleled in their ability to attract new clients, increase brand awareness and ultimately grow your business. Baylor University did a study that concluded, companies whose sales people utilized promotional products did 22% more business than those sales people who didn’t.

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ow you can order prepackage MAG WOW promotional gifts for your clients, prospects and real estate professionals to help generate sales at an alarmingly rapid pace. This means you’re going to be recommended more often than a company who did not use promotional items because of your giving reputation and that’s a great feeling! More often than not, giving a gift or item to an individual promotes a feeling that he/she should reciprocate for your kind gesture. In terms of promotional products, the giving of a product to someone else will make him or her more likely to do business with you. Giving out

promotional products is also a very effective way of starting a conversation with a potential customer. Handing something over allows you to “break the ice” and engage that person in conversation and because you gave them something, he or she

Giving out promotional products is also a very effective way of starting a conversation with a potential customer. is likely to listen to what you have to say. After reading this, I would have to

ask…what are you waiting for? Place your order for some MAG Swag today!

How to order: • You will place your orders by going to our intranet site, select the marketing tab then click on MAG SWAG button. • Select Prospect Plus Order Form. • Fill out the form and click the submit button. • Your marketing account will be billed for the amount of the order. • Items ordered can be picked up at our Everett office or sent by courier. • Wenatchee Branch will have to pay shipping costs on orders. •Orders are fulfilled within four business days. The law of reciprocity: Give, and you shall receive. n


Products MAGnified LP Open Access LPOA Guidelines Initial Value Process: 1. Your value estimate. 2. Run LP (Run #1). 3. Get your HVE response. 4. Input the HVE value from Run #1 as the actual value. 5. Rerun the LP to match (Run #2). Notes: • The HVE response must remain on all subsequent LP runs. • There is no cost to use the HVE. • The HVE value from Run #1 will be your value for the life of the loan, regardless of any future values LP may give you on subsequent LP runs. • Please save your first run as we will need it to document our value! • You will always have two LP runs at minimum on the initial submission, first to get your value, second to correct the AUS to match. Fun Facts: • HVE = Home Value Explorer • Code Y0 is the value you will use from Run #1. • Code Y7 will appear when a waiver is granted. • Code Y4 will appear when a waiver is not acceptable.

DU Refi Plus DURP Guidelines Initial Value Process: 1. Your value estimate. 2. Run DU (Run #1). 3. Get your PIW response. 4. No changes in the value are necessary. Notes: • PIW verbiage must be present on all future runs. • $75 cost to exercise the PIW. Fun Facts: • PIW = Property Inspection Waiver. • SFC = Special Feature Code. • SFC 147 on AUS = DURP eligible. • SFC 807 on AUS = PIW eligible.

Who’s WHO at MAG

Kirsten Oelrich Vice President of Strategic Performance

The primary focus of Kirsten’s career has been in Talent Acquisition, Enterprise Software Sales, and Mortgage Banking. She has worked for small-to-medium and Fortune 500 companies. In her nine months with Mortgage Advisory Group, Kirsten has been dedicated to a number of projects in the training, sales, and marketing divisions of the company. She is a driving force, behind the implementation of MAG University, the growth and development of our Strategic Partner Program into the MAG Advantage Partner Program, and much more. Of the many things she loves about MAG, she most loves the family that she has here. “I love the fact that each day I have the opportunity to work with the most passionate, talented, and ingenious team who share my values and strive to become more excellent every day.” In addition to the contribution she makes to MAG, Kirsten is also a very committed mother and wife. She recalls the happiest moments in her life being the day that she married her husband, Jason, and the day they brought their son, Jason, Jr. into the

MAG igniter The Power of the Personal Touch Have you ever noticed that the “little things” people do for us give us the most joy and make us feel appreciated? I stress the word appreciated because feeling like our efforts are appreciated is one of the greatest human motivators. I have a goal for you this week: Go out of your way to show appreciation to at least one person each day — a co-worker, a family member, yourself! Then, at the end of the week, reflect back on how it made you feel

world. Over the last nineteen years, she is most proud of raising him and watching him grow into a wonderful young man. A few things everyone may not know about Kirsten: • She was once a commissioned officer in the army. • Her favorite office machine is her laptop because, she says, “I love to create things.” • If she could have lunch with any three celebrities or people from history, she would choose Warren Buffet, Bill Gates, and Michael Jordan. • If she could be on television, she’d like to be in a documentary on the History Channel. n to see how much others appreciated your acts of kindness. If each day you make it a focus to show at least one person how much you appreciate him or her, you will begin to experience a great breakthrough in your relationships. We all know that building and fostering positive relationships has a direct correlation to the level of success that we achieve. Be a great achiever by being a great appreciator! Ways to Show Appreciation: • Smile • Write a Quick Thank You Note • Give a Direct Compliment • Give a Public Compliment


GREEN Tip

To Your Health

Socially Conscious Cashmere Stewart + Brown’s seasonal collection is fashioned of organic plant fibers such as cotton pima, jersey, terry, and crepe; green fabrics like renewable tencel, hemp, silk, and linen; and sustainable, ecofriendly premium knitwear such as merino wool, yak down, and Mongolian cashmere.

turies-old nomadic way of life of Mongolian herders. Their designs are beautiful and classic with modern flair. www.stewartbrown.com n

GREEN

Going green the old fashioned way Growing up in southern Minnesota, a normal summer began with tilling the ground until the hard winter clumps of soil yielded into soft black dirt. Next we began the process of selecting the right veggies to grow in the hot Minnesota summers. We always started out with seed packs of big, red beefsteak tomatoes, packs of cucumber seeds, and plenty of onion starts. No respectable garden was complete without neat little rows of carrots and radish tops. If we were feeling adventurous, we would plant kohlrabi. Some summers yielded iceberg lettuce and celery, and one year we grew artichokes. It was always fun to try something new. The arduous task of weeding the garden seemed to produce a bumper crop of weeds every morning. We would pull them in the afternoon and, magically, the next morning they would be back in all their glory. From mid-July on, the veggies became a staple at our dinner table. By late July, we would get out the can-

5K Foam Fest is August 3rd and supports Special Olympics. Put a team together and have a great day with friends and family. Sometimes we all need a little motivation to exercise or support to eat healthier. For me these are both true, and thanks to my great friend Sondra, I am training for my first 5K Event. This isn’t just any 5K run, though.

The cashmere is produced exclusively with fibers hand-combed from the downy undercoat of cashmere goats from Outer Mongolia. They mindfully harvest, spin, and knit the garments in Mongolia to help sustain the cen-

Think

Who is up for a personal challenge?

We will be running, jumping, climbing, crawling and sliding in the mud and foam (bubbles), but for us it won’t be about winning. ning jars and lids and begin the annual process of canning or “putting up” the pickles and tomatoes, green beans, and sweet corn. It seems like we always picked the hottest day of summer to can 50 quarts of tomatoes or dill pickles. There is no feeling like the satisfaction of seeing row after row of neat jars full of home grown summer vegetables lined up on your kitchen table. For the last five years, I have revived my old canning customs. I fill the cupboards with summer veggies that can be enjoyed in soups, stews, stir fries, or casseroles in the dead of winter. Because you reuse the canning jars, the only cost involved is the cost of your fruits or vegetables and new flat lids each year. This past year I canned dill pickles, bread and butter pickles, dill green beans, marinated mushrooms, marinated asparagus, basil onion tomatoes, salsa, applesauce, strawberry jam, apple butter, and blackberry jam. The best part of canning is knowing exactly what is in each jar, the amount of sugar or salt, how spicy and how fresh each of the foods are. If you are interested in recipes or canning tips, e-mail aramsey@magloans.net and I will gladly do what I can to help you on your own summer canning adventure. n Anne Ramsey, Everett

As part of “Sondra’s Soldiers,” I am teaming up to support her cancer-free diagnosis. She was diagnosed with Nasopharyngeal Squamous Cell Carcinoma, a rare form of cancer originating from Asia (she has no relationship to Asia). The tumor was located behind the nose and below the bone of the brain, a very difficult area to treat. Initial test results showed her in Stage 4, and she underwent radiation and chemo for treatment. After the first round she was down to Stage 2, but they continued to treat her aggressively with the original Stage 4 diagnosis. She responded remarkably. This has been, without a doubt, the hardest thing she has ever gone through. A new lease on life changes a person and hopefully those around the person, as well. I know this has changed how I look at things, so I am taking on a challenge that I never thought I would. Look them up on the web: @ 5k foam fest Seattle or: http://5kfoamfest.com/locations/ Seattle.php?gclid=CJWm9svhlbcCFWQ6QgodF0wAuw n Kamela Tuengel, Everett


Top Producers

EMPLOYEE SUBMISSIONS

Mill Creek.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Rosa Briggs Marysville.. . . . . . . . . . . . Stubrud-Morton Team Wenatchee. . . . . . . . . . . . . . . . . . . . . . . . . . Jason Austin Bellevue. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . David Lee

Companywide Highest total loan volume units Everett. . . . . . . . . . . . . . . . . . . . . . . . . . . . Sharon Crockett

Important Dates Last day to sign refi’s. . . . . . . . . . May 24 Skagit County closed. . . . . . . . . . May 24 All counties closed. . . . . . . . . . . . May 27

All docs back in Everett funding not later than 10:00 am on May 28.

Holiday Schedule May 27th July 4th Sept 2nd Oct 14th Nov 28th Nov 29th Dec 24th Dec 25th

Memorial Day Independence Day Labor Day Columbus Day Thanksgiving Day Thanksgiving Christmas Eve (half day) Christmas Day

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**One Floating Holiday**

Security Tip GPS Safety You might not think about it, but if your phone or account is compromised, how much information is actually available? Make sure that you do not have your home address as a location; instead use a corner market or something within a couple of blocks of your actual home. This goes for service like Google Maps, MapMyFitness, etc. Some companies have implemented a radius mask to hide your actual start and stop for personal safety.

Anna Haskin, Everett, trained hard for her debut Muay Thai fight in Olympia.

I want to thank everyone who supported me in my debut Muay Thai fight on Sat, May 4th in Olympia. The Everett Office went all out decorating my office and serenading me with Eye of the Tiger to get me pumped up in the days before the big event! I have been training in Muay Thai at Total Confidence Martial Arts in Bellingham for nearly six years, but this was my first time stepping into the ring. In preparation for my first fight, I disciplined myself with healthy eating habits and trained six days a week over the last four months. The fight card consisted of 13 fights, of which mine was the only female bout. My opponent and I traded punches, kicks, and knees for three rounds lasting two minutes each, with one

minute rests in between. We both fought hard and gave it our all! In the end, it came down to the judge’s decision in my opponent’s favor. While I did not win the fight that night, there were several meaningful highlights: •My opponent and I were awarded “Best Fight of the Night”. We were offered a USEACA title fight, giving us the opportunity to meet in the ring again for five rounds as the headline fight •My opponent shared with me that ours was her most challenging battle thus far, a real compliment since this was her fith fight. Overall, this has been one of the most incredible experiences of my life, one that I will carry with me forever. n Anna Haskin, Everett


EMPLOYEE SUBMISSIONS continue

Congratulations to Jeremy and Erin Van Beek who were just married at Whiterock Beach in Maui, HI, on April 25th! We wish you both the best!! Cinco de Mayo celebration in Mill Creek

MAG Core Value Kudos Commitment to WOW Kudos to Marketing from the Sauve team: Brenda Carter and her marketing team are absolutely amazing! Thank you for all of your hard work and efforts in getting our marketing materials down to California in time for the multiple presentations Nikki did on such short notice! Our MAG Advantage Partner Program is over the top!

Mike Bon and son, Nathan, on Bring Your Child to Work Day at Mill Creek Office

Kudos to Shawnna Alexander from Tom Pessemier: I live in the Product Desk website! It’s always open on my computer because it’s so intuitive and well-organized. On the rare occasion I can’t find an answer to a quirky question, you’re always super friendly and helpful. You’re doing an awesome job, and I want you to

know I appreciate all you do to help me get answers fast and easy. You directly help me to do more business, and I want you to know I appreciate it a ton. Keep up the great work! Kudos to Stephanie Kemple from Loretta Culler: When I found out that I left my son’s name off of my application for dental insurance plan, she contacted them immediately and asked to have him added. We weren’t sure if it was even possible but two days later, she wrote to me and told me that they did add him and his appointment would be covered. I really think that’s amazing that she responded so quickly. Way to go, Stephanie! It may have seemed like a small thing to you, but it was huge for me. Thanks so much.


Kudos Continue....

Missed Birthday May Rebecca Wisner.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16th

Birthdays June Nancy Carmen. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5th Loretta Culler. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8th Stacey Morton.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8th Katherine Mason. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12th Kittie Gearheart. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14th Kamela Tuengel.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15th Jeff Jensen. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16th Brenda Carter. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25th Hans Hoffmeister. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30th Anna Haskin. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30th

June Anniversaries 1 Year Tammy Heaton.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4th Dan Savage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12th Kelsey Shrauner. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22nd

2 Year Danielle Facey. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1st

3 Year Kathy Rogers-Cooley. . . . . . . . . . . . . . . . . . . . . . . . . . 1st Kat Hughes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7th

4 Year Gina Mott. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3rd

6 Year Lori Larsh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5th Bonni Tuley. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19th Britni Wortham. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20th

9 Year Dave Wortham.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28th Lee Dionne. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28th Greg Rielly.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28th Jeryl Torick. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29th

Positive and Professional

Delight the Customer

Kudos to Danielle Villasin from Barb Stannik: She has an amazing and welcoming smile! When we were introducing Elise Espelund to our team, Danielle jumped up and gave her the best welcome. I really think Danielle set the pace for the homegrown, down to earth feel of hospitality in Marysville! As DFI here, I think she rocked the welcome wagon in a really MAG-nificent way and made Elise feel like family!

Kudos to Funding Department from Nancy Fox: I want to give kudos to Sam Goosman and the entire funding department. They totally rocked it once again in April with same-day and on-time funding no matter what it takes.

Kudos to Melissa Wood from Bonnie Brown: I would just like to take a minute and say what a pleasure it has been working with Melissa (Elle) Wood. She is a super fantastic person and I am sad to see her go. I hope she enjoys her time at home with her daughter but remembers to come visit us often. I love ya, Elle Wood, and will miss you greatly! Kudos to Erik Noet from the Sauve team — Erik has helped us so much with so many different loans! He is absolutely brilliant and has saved a few of our deals! He is always available to help even in the busiest of times! Thank you, Erik! Kudos to Shannon Cordova and Danielle Facey from the Sauve team: Thank you girls for all of your hard work! Each of you is such a pleasure to work with! We adore you! We couldn’t do this without you! You make our jobs so much easier and fun! Kudos to Chris Wortham from the Sauve team — Chris you have helped us on a number of different occasions with multiple different loans! Thank you for all of your hard work and always being available!! You are so awesome! Kudos to Jim Miller From the Mill Creek Production Team: With the addition of Jim Miller as our BOM in Mill Creek, our stress level has been reduced by having an on-site person to go to with any issues we have. Jim is so easy to talk to and we are so happy that he is here taking care of us. Thank you Jim!

Kudos and thank you to Lisa Britton and her team of underwriters and processors from Dave Gardner. A particularly tough loan was able to get completed and funded to meet a closing date and wow the agents and more importantly the client. The client has already posted a positive review on Yelp thanking “Our Team”. The client had nothing but good things to say about our entire team and process. A major thank you to Shelly, Hayley and Marcie from Dave Gardner. Without your hard work and late hours, I doubt the Serles family would have been able to get the keys to their new home. Your hard work day-in and day-out are a testament to what it means to keep the client first and do all we can as a team to ensure their purchase goes as smoothly as possible. Thank you. Uncompromising Integrity Kudos to Danielle Facey from Shannon Cordova — Thank you so much for everything you do for me and our team. You give 110% every day and you go above and beyond to do your job and do it well. You take pride in your work and are always seeking ways to improve. You are such an amazing and remarkable person, and I am so thankful that you are a part of my team. I couldn’t do what I do without you. Thank you! To Cheryl Haugen from Rebecca Wisner: In the 27 years I have been in the mortgage business I have never met a more dedicated, helpful, driven and passionate processor (Loan Specialist). She is kind, caring, and a true professional. I want to let her know how special she is! n

May 2013 MAGnifier  

Employee Newsletter

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