l Step 1: Set your plan l Step 2: Decide your strategy l Step 3: Track your progress When you take these three simple steps of planning, I guarantee that you will see significantly bigger results when you look back at what you have accomplished in 2014. And to help you in this process, simply go to www.maccelcoach.com/solution and get a free copy of the planning tools mentioned in this article. I wish you all the greatest success as you execute your 2014 Success Plan. Erik Janeczko is a certified and nationally recognized business coach and speaker with Maximum Acceleration. He may be reached by phone at (888) 819-7047 or e-mail erik@maccelcoach.com.
30
DAYS
Financial F inancial DREAMS DREA MS
FASTEST CREDIT REPAIR
Helping Y Your our o Clien Clients ts R Realize ealize TThe he P Possibilities o ossibilities "T B -PBO 0óDFS XF VOEFSTUBOE KVTU IPX JNQPSUBOU B -PBO 0óDFS XF VOEFSTUBOE KVTU IPX JNQPSUBOU it is forr ZPV UP IFMQ ZPVS DMJFOUT SFBMJ[F UIBU IPNFPXOFSTIJQ ZPV UP IFMQ ZPVS DMJFOUT SFBMJ[F UIBU IPNFPXOFSTIJQ eality. JT NPSF UIBO B ESFBN JU DBO CF NPSF UIBO B ESFBN JU DBO CF a rreality.
Fastest astest Credit Credit R Repair epair - 30 Days! Days! Negative Items Items Remove move Negative OLSVQUDJFT t -JFOT t #BOLSVQUDJFT t -JFOT t +VEHNFOUT t 'PSFDMPTVSFT EHNFOUT t 'PSFDMPTVSFT PMMFDUJPOT t 3FQPTTFTTJPOT t $PMMFDUJPOT t 3FQPTTFTTJPOT t -BUF 1BZNFOUT t $IBSHF 0òT UF 1BZNFOUT t $IBSHF 0òT
Reasons to to Choose Choose Us Us Reasons t )JHIFTU 3FNPWBM 3BUJOHT t )JHIFTU 3FNPWBM 3BUJOHT astest Credit Credit RRepair epair - 30 Days Days t FFastest t .POFZ #BDL (VBSBOUFF t .POFZ #BDL (VBSBOUFF t 3FHJTUFSFE #POEFE t 3FHJTUFSFE #POEFE t " 3BUJOH XJUI UIF ### t " 3BUJOH XJUI UIF ###
PRI RIME ME NA ATIONAL TIO ONAL $3&%*5 3&1 1" "*3 )FMQJOH -PBO 0óDFST $MPTF .PSF -PBOT )FMQJOH -PBO 0óDFST $MPTF .PSF -PBOT
888.795.7627
59
We ar Califor e Premie nia’s r Private Direct Mon Lender ey
Residential n/o/o and investment SFR, condo, PUD (1-4 units) properties • Stated and no doc available • Refinances up to 65% LTV, min loan amount 50K to 5 million • Purchases up to 70% min. loan amount 50K to 5 million • Loan term, 1 year, 3 year, 5 year, interest only or fully amortized available • Programs with no PP available • Rates from 8.50% to 12.00% fixed • Loan costs from 1.50% to 4.00% depending on LTV term and prepayment penalty • We have 2nd position loans available for n/o/o and investment properties up to 55%-60% CLTV
Apartments and units (5+ residential units) • Up to 70% on refinance and purchases • Stated but verified rental income • Loan terms: 1 year, 3 year, 5 year, 7 year and 10 year; fixed IO or fully amortized • Rates from 8.00% to 12.00%, depending on LTV, prepayment and term • Programs with no PP available • Loan costs from1.50% to 4.00% depending on LTV, term and prepayment penalty • We have 2nd position loans available for our commercial products up to 60% CLTV
Commercial (industrial, retail, church, mixed-use, gas station, auto related, manufacturing, etc.) • Up to 55% on refinances • Up to 60%-65% on purchases • Term 1 to 5 years • Loan costs from 2.00% to 4.00% depending on LTV, term and prepayment penalty Land loan (max LTV 35%, refinance, 50% purchase) call for details
877-700-3703 Office 866-318-4471 Direct Fax
www.pbfinancialgrp.com • e-mail scenarios to: info@pbfinancialgrp.com PB Financial Group Corp. NMLS #357614/PB Financial Group Corp BRE #01522495
Disclosures: per FDIC Regulations Section 6500 Part 226, Subpart C, 226.24. The amount of each payment that will apply over the term of the loan is based on simple annual interest applied to the unpaid balance. Loans range from 1 day to 60 months, are interest only and include a balloon payment due at term. Finance charges apply. Payments do not include amounts per property taxes or insurance premiums. This is not a commitment to lend. Rates and points are subject to change without notice. NMLS #357614
n Missouri Mortgage Professional Magazine n DECEMBER 2013
Step III Once you have the strategy, how do you make sure that you stay on track throughout the year. Well, the magic secret we have figured out is a simple phrase “What gets measured gets done.” It is called “The Hawthorne Effect” based on the group that identi-
fied this scientific principle, but the reality is if you track your performance daily, your performance will increase significantly, just by the simple fact that you’re tracking it. Of course, if you’re tracking your lead volume on a daily basis and you get to Thursday and have not yet hit your lead volume for the week, you still have a chance to adjust your activity and make sure that you are putting in that extra effort to hit your target for the week. Now the key here is consistency. See, if you fall off two, three or four weeks in a row and then all of a sudden end up with a bad month. If you fall off a couple of months in a row, you end up with a bad year. However, if you stay on top of it starting early in the year, and keep on track and focus on the progress that you’re making towards that higher volume goal of where you want to be 12 months from now, then you can celebrate the progress that you have achieved this week over last week and month over the previous month. Focus on progress, and you’ll build momentum and an energy that will fuel levels of growth far beyond your imagination, and you might even find yourself expanding your goals sooner than you think. I encourage all of you to take the initiative, to set a course of action in motion, and begin with the end in mind to stretch your belief in what’s possible. Are you ready to get started? If so, here are the three simple steps in the Plan to Win Process:
NationalMortgageProfessional.com
case scenario … if you had to literally cold call apartment renters out of the phone book (cross-referencing the DoNot-Call list of course), how many calls would you have to make to find two people who are at least somewhat interested in buying their first home? And if you simply offered them the opportunity to look at whether they could benefit from buying a home right now by offering what we call a free home opportunity evaluation, how many dials would you have to make to find one or two who were interested? In our experience, the worse case was 30 to 40 calls and you’ll find two or three people who are already thinking about buying a home. Now, this may not be the easiest way to do it and it certainly would take a significant amount of discipline and accountability to make it happen on a daily basis, but if you made 40 calls a day, I guarantee you would find one or two people who could benefit from doing something different with their mortgage and housing situation. But is there an easier way? Let’s say, for example, you introduce this planning concept to real estate agents and other financial or insurance professionals in your community, and over the course of the next 12 months, build six or seven good partners who are focused on generating one good lead a week in conjunction with you through the market reach and communication initiatives of the team you have created. Call it the “Home Opportunity Initiative” or something similar, where you work together in concert to reach as many folks with the opportunity to benefit from buying or upgrading their housing situation. As a result, the team of you are all now generating eight to 10 leads per week that are showing up more or less on auto pilot just due to a concerted effort and consistent approach to reaching out to people in the community who could benefit from this amazing housing opportunity.