Tuesday, December 30, 2008
Thursday, December 11, 2008
Amazing New Strategy Revealed At Carls Mastermind Retreat!!!! Were You There???
Big Strategy From Ed Harris..
Sign up now for the next retreat coming up in about 60 days..
http://www.mortgagemarketinganimals.com/
Carl White
727-787-2275
Sign up now for the next retreat coming up in about 60 days..
http://www.mortgagemarketinganimals.com/
Carl White
727-787-2275
Tuesday, December 2, 2008
Wednesday, November 26, 2008
Friday, November 14, 2008
This Marketing Idea Stinks!!!!!
This has to be the dumb idea of the month!!
Carl White
CarlsAnimals.com
Carl White
CarlsAnimals.com
Wednesday, November 5, 2008
Friday, October 31, 2008
"One Man Loan Shop" Closed 31 Loans Last Month!!!
If You Want To See What Scott is Talking About..
Go Here Now AFTER viewing the video by pressing PLAY.
Go Here Now AFTER viewing the video by pressing PLAY.
Many of you have been wanting to hear from some of our MasterMind Members.
Here is one that actually implements!!!
Tuesday, October 28, 2008
Our Own Worst Enemy
This has to be one of the funniest things I have ever seen.....
Well, it's only funny, unless you can relate to it!!
Let me know what you think.
Carl White
www.CarlsAnimals.com
727-787-2275
Thursday, October 23, 2008
Tuesday, October 21, 2008
Rakes For Sale!!
Pardon my "helmet hair" and "motorcycle tan", but I had to stop my motorcycle ride and get this off my chest.
Don't make the same mistake that this loan officer was making.
One last thing, thanks to all of the MasterMind Group Members that are reporting back all the loans in the pipeline from utilizing the Million $$$ Script. I really enjoy hearing the good news. Keep'm coming!!
Carl White
Pensacola, North Carolina (for today at least)
Don't make the same mistake that this loan officer was making.
One last thing, thanks to all of the MasterMind Group Members that are reporting back all the loans in the pipeline from utilizing the Million $$$ Script. I really enjoy hearing the good news. Keep'm coming!!
Carl White
Pensacola, North Carolina (for today at least)
Monday, October 20, 2008
Were You There?
If you were wondering how successful our MasterMind Group is for the members of CarlsAnimals.com, just look at the parking lot of our latest meeting.......
Were you there? If not, what in the world are you waiting on??????
Carl
Wednesday, October 15, 2008
Thank God I Wasn't In That Building!!!
I was on my way to a MasterMind Retreat a few weeks ago and passed by an old factory.
Thank God I wasn't in that building.
Watch the 2 minute video to see why.....
Carl White
Taking MasterMinding To A Whole New Level!!!
Thank God I wasn't in that building.
Watch the 2 minute video to see why.....
Carl White
Taking MasterMinding To A Whole New Level!!!
Friday, October 10, 2008
Are Loan Officers Really Getting Credit Repair Deals?
Here is a video of Diane getting ready to take today's letters to the post office. You have to see this.
When you send a client to the credit repair attorney that I use, they send a letter to your client every 21 days. They put your picture, name, and phone number on the letter so your client is constantly reminded that you are the person that is solving there problem.
Check out the video!
When you send a client to the credit repair attorney that I use, they send a letter to your client every 21 days. They put your picture, name, and phone number on the letter so your client is constantly reminded that you are the person that is solving there problem.
Check out the video!
Implementation pays off.... BIG!!!!
Carl White
727-787-2275
Thursday, October 9, 2008
How To Make A Lot Of Money In A Short Period Of Time
One of the most frequent questions I get is "Carl, how do I make a lot of money in a short period of time in the mortgage business?"
The fastest way that I know to get rich very fast is to copy other successful people. If I do exactly what they did, I should have the exact results. The key word there is "exactly".
I don't change anything until I am making as much as they did. Once I have equalled their success using that particular strategy, then I start to make changes to see if I can exceed their results.
During my 1 on 1 coaching calls, I always get a few that try to convince me that what they are doing is the right way to do it, when they are not getting results from doing it that way. Or, they see how I am doing it, and then without even starting to implement the strategy, immediately want to start making changes to it.
Look at Coca Cola. What happened when they tried to change their proven formula back in the mid 1980's. That was one of the biggest marketing flops in world history.
Copy proven actions by people who are actually doing it..... not people that did it 5 years ago, or even 1 year ago. Today's market calls for new strategies, new actions, and new methods.
Those of us that are using these new strategies are having some of our best years ever!!
So, COPY US!!
Carl White
http://www.carlsanimals.com/
The fastest way that I know to get rich very fast is to copy other successful people. If I do exactly what they did, I should have the exact results. The key word there is "exactly".
I don't change anything until I am making as much as they did. Once I have equalled their success using that particular strategy, then I start to make changes to see if I can exceed their results.
During my 1 on 1 coaching calls, I always get a few that try to convince me that what they are doing is the right way to do it, when they are not getting results from doing it that way. Or, they see how I am doing it, and then without even starting to implement the strategy, immediately want to start making changes to it.
Look at Coca Cola. What happened when they tried to change their proven formula back in the mid 1980's. That was one of the biggest marketing flops in world history.
Copy proven actions by people who are actually doing it..... not people that did it 5 years ago, or even 1 year ago. Today's market calls for new strategies, new actions, and new methods.
Those of us that are using these new strategies are having some of our best years ever!!
So, COPY US!!
Carl White
http://www.carlsanimals.com/
Wednesday, October 1, 2008
Why You Should Focus On Relationship Marketing
I just finished reading a shocking study. Here are the findings:
1. 75% of all buyers purchased their new home using a Realtor
2. 69% of buyers were referred to a lender by their Realtor
3. 14% of buyers chose the lender on price
So if you are basing your marketing on "Great Rates... ie price...... congrats, you can have the 14% that rate shops!!
I'll take the 69% that wants to work with somebody they can trust.
It is so easy to form very profitable referral relationships with Realtors. All you have to do is solve the Realtors' problems. That's what we focus in our mastermind group. By using the simple "Million Dollar Script", I have agents literally calling me from all over the country, even though I am only marketing to Florida Realtors.
I just got off of the phone with somebody that said "Carl, Sarah (their realtor) said you are a pillar in today's shaky world."
Did Sarah ask me what my processing fee was? Did she say she was going to shop every lender this side of the Mississippi? No, she simply wants to know that she will be treated fairly and that I will be here tomorrow.
Why didn't she say that her Realtor said I had the best rates.... Because I didn't market that message. I marketed the message of solving problems. When I helped the realtor solve a previous problem, that made me the "pillar" in their eyes.
With all the problems around, with all the problems the radio and news is giving, my simple question to you is....
"What problems are you solving?"
If you can't answer that question, you are in BIG TROUBLE.
Our mastermind group members are reporting back phenomenal results using the million dollar script. If you would like to see if you are a good fit for our group, you can email me for an application at Carl@MortgageMarketingAnimal.com
Or, you can just keep doing what you are doing...... getting the same results....... It's just that simple!!
1. 75% of all buyers purchased their new home using a Realtor
2. 69% of buyers were referred to a lender by their Realtor
3. 14% of buyers chose the lender on price
So if you are basing your marketing on "Great Rates... ie price...... congrats, you can have the 14% that rate shops!!
I'll take the 69% that wants to work with somebody they can trust.
It is so easy to form very profitable referral relationships with Realtors. All you have to do is solve the Realtors' problems. That's what we focus in our mastermind group. By using the simple "Million Dollar Script", I have agents literally calling me from all over the country, even though I am only marketing to Florida Realtors.
I just got off of the phone with somebody that said "Carl, Sarah (their realtor) said you are a pillar in today's shaky world."
Did Sarah ask me what my processing fee was? Did she say she was going to shop every lender this side of the Mississippi? No, she simply wants to know that she will be treated fairly and that I will be here tomorrow.
Why didn't she say that her Realtor said I had the best rates.... Because I didn't market that message. I marketed the message of solving problems. When I helped the realtor solve a previous problem, that made me the "pillar" in their eyes.
With all the problems around, with all the problems the radio and news is giving, my simple question to you is....
"What problems are you solving?"
If you can't answer that question, you are in BIG TROUBLE.
Our mastermind group members are reporting back phenomenal results using the million dollar script. If you would like to see if you are a good fit for our group, you can email me for an application at Carl@MortgageMarketingAnimal.com
Or, you can just keep doing what you are doing...... getting the same results....... It's just that simple!!
Monday, September 29, 2008
How Do You Close Loans In This Market?
I had a great question come to me today:
Carl, how can you do loans in this market if the value of homes have gone down so much? Lenders will not approve loans unless the LTV's are really low and it's full doc.
I have several points to make here. I don't intend on being rude, but I am going to slap you to try to wake you up. Your car is getting ready to run off of the cliff..... if it hasn't already.
1. So are you saying that 97% LTVs for FHA and 95% LTVs for conventional are "really low"? Yes, the 103% financing days are gone for the most part. Yes, your client will need 3% or 5% down. so market only to people that have 3 - 5% down.
2. With the home values dropping, that actually helps the financing for the purchase markets. Homes are more affordable now than they have been in years.
3. With the full doc issue... yes, you actually have to find borrowers that have a job.
Now, if you are trying to market to refi's that bought at 100% LTV in the last 2 years, and they opened up their own business 6 weeks ago..... stop marketing to them.
It sounds like you are trying to sell albums to a group looking to buy IPODs.
The market has changed, so change your marketing!!!!
If you are doing the same marketing that we were all doing last year, you are destined to fail.
Our mastermind group has thrown all those old mailers, all those old mailing lists, all those old scripts, and all the other stuff.... and threw it out with the rest of Grand Pa's stuff.
It's time to wake up and rethink your marketing. Find out what is closing, what the successful loan officers are doing, and then copy them. Don't copy the ones that haven't been to the closing table lately.
Instead of focusing on what doesn't work, start looking at what does!!
Carl
Carl, how can you do loans in this market if the value of homes have gone down so much? Lenders will not approve loans unless the LTV's are really low and it's full doc.
I have several points to make here. I don't intend on being rude, but I am going to slap you to try to wake you up. Your car is getting ready to run off of the cliff..... if it hasn't already.
1. So are you saying that 97% LTVs for FHA and 95% LTVs for conventional are "really low"? Yes, the 103% financing days are gone for the most part. Yes, your client will need 3% or 5% down. so market only to people that have 3 - 5% down.
2. With the home values dropping, that actually helps the financing for the purchase markets. Homes are more affordable now than they have been in years.
3. With the full doc issue... yes, you actually have to find borrowers that have a job.
Now, if you are trying to market to refi's that bought at 100% LTV in the last 2 years, and they opened up their own business 6 weeks ago..... stop marketing to them.
It sounds like you are trying to sell albums to a group looking to buy IPODs.
The market has changed, so change your marketing!!!!
If you are doing the same marketing that we were all doing last year, you are destined to fail.
Our mastermind group has thrown all those old mailers, all those old mailing lists, all those old scripts, and all the other stuff.... and threw it out with the rest of Grand Pa's stuff.
It's time to wake up and rethink your marketing. Find out what is closing, what the successful loan officers are doing, and then copy them. Don't copy the ones that haven't been to the closing table lately.
Instead of focusing on what doesn't work, start looking at what does!!
Carl
Sunday, September 28, 2008
Could This Be The Cause Of Your Slow Down
Just about all of the loan officers and Realtors I know make things much too complicated. So many put money in the wrong parts of their company. And they ignore the matters that are the most significant and produce the most income.
They print and mail a few letters to people they know. And they sit back. At that stage, they learn that their friends or family have gotten three or four letters each month from other realtors and loan officers.
So they pick up the phone and call these friends to request work, but they are turned down over and over.
They begin attending the network meetings - breakfasts, lunches and dinners. They become addicted to networking, wandering from one gathering to the next, watching their bank balance go down and getting more and more panicked. They figure out that everyone else in the networking groups already know other realtors and loan officers who also attend networking groups.
Perhaps they buy advertising space or place their photos in prime locations -- that must be it!
It will definitely be successful . . .yes?
Sure, they can do this with NO training on how to market in an ad or a billboard.
How do they learn the steps to take?
They just imitate the failed methods of other unsuccessful real estate agents and loan officers!
They are completely mistaken.
Take note: only two percent of loan officers and realtors are supporting themselves... do you really want to pattern your business after the other ninety-eight percent who do not know how to market? NO WAY.
If you want to get ahead in marketing and advertising, you need to follow some ground-level concepts that are true of every business that exists.
I count myself blessed to have gotten lessons from the top people in my field, people who produce multi-millions for their business.
Interestingly, true millionaires have such a drive that even if stripped of their financial assets, in three years time they could return, more wealthy and successful than ever.
In what way?
You must first grasp the basics and apply the concepts in your own business strategies. It is proven. This idea has certainly worked for me, and not just me, but everybody I know who has tried to apply it has been successful.
So, what would I do if I was wanting to do a "make over" with my real estate business and / or mortgage business?
Step one: I'd go to some getaway at a hotel or retreat center where I could work for two solid days with nothing at all to distract me. If these two days make you more money than anything else, then they're worth making time for.
Photos of your loved ones, and/or photos of your dream future, including cars, homes, travel destinations, relationships, kids, pictures that remind you of freedeom, or passion and of your entrepreneurial dream, along with reams of paper, a laptop, and lots of pens are things I would suggest you bring with you.
After that, I'd take the paper and start journaling my answers to some very serious questions.
For example, what am I in this for? What are the rewards when I reach my goal? These can be financial or other kinds of goals.
Put these thoughts on paper.
Why did I get into this field? How much longer do I want to be doing this job? After I make it to my number one goal, what do I want next (to retire, give to charity, see the world, found another business, etc)? What are you willing to give up to be successful? Is there anything I won't do to accomplish those dreams? How do I stand out from other people?
Put your strengths and weaknesses on paper. Make a note of things from your past: employment, significant highlights, failures, and triumphs.
Write down what makes you stand out from the crowd? What are your best qualities?
People in business and society who have a grand vision on who they are now and who they want to be, as silly as it may sound, are the most successful people. Every single thing they get involved in is moving them towards their main goal.
What are you very good at? What are you really bad at doing? How much do you think you should be making?
Run the numbers. On a piece of paper, put down your desired annual income. Then take into account, because this is simply a fact, that less than half your working time will actually generate money for you. Next, figure out what you get paid for an hour of work. THIS REALLY MATTERS.
What would you love to do or be if money was not a concern? Considering this opens your mind to what must be done and what must be changed, although this number has never been calculated by most people. Who would you spend your time with? How would you spend your time outside of work?
The main point is: Money doesn't matter. Put it on paper.
Look 30 years into the future. You arise from a deep sleep to find out that you are present at your own funeral. Who is going to speak about you at your memorial service? What do you want them to say about you? Write out what you would like the preacher to say about you at your funeral. (Although difficult, this exercise can really demonstrate the upside opportunity).
We could discuss this topic for hours, but we have plenty to get started on.
There is one example of a realtor who promotes herself as "The Pet Lovers Realtor". Although she works in a city of a million, she is the only realtor who promotes herself as an animal lover.
She accomplishes this by photographing herself with her canine friends, advertising in pet magazines, and taking out ads in parenting magazines that display both her and her dog.
She understands . . .4,999 other people do not!
Another realtor goes broke because they are far too sold into the cult mentality of sameness of realtors and on goes the story when I tell other realtors about this, and watch their eyes glaze over with disgust as they remark "I want to sell to everyone, NOT only pet lovers!"
Are you following your competition too closely? Do you believe that everyone must act alike, dress alike, and market themselves just like everyone else without any choice? If so it's time to find fresh blood with new ideas. Yes, this DOES apply to your business too.
Take note: starting a successful business and keeping it going can't be done in a day. You've got to understand success, financial savvy, the winning mindset, achieving, marketing, writing ads, managing, planning your time, etc.
You can't possibly know everything, and you must continue to spend time and money getting educated. Traditional education is helpful, but to find true success you need to look further.
Those who are out there doing it in the real world - not reading about it in a textbook and regurgitaing their untested theories to a classroom full of students are where a true success education comes from. (Few, if any, are the number of professors working in colleges or universities that are successful financially.)
It is important to observe those that have already found success. Don't worry about what field they are in, either. Find out how they think, how they view the world, how they promote their services. The only place to get that kind of learning is outside the classroom.
For myself, tens of thousands of dollars each year goes into my own continuing education. When I pay $5000 for a seminar or $2500 for a one day one on one training, the only thing I want from it is ONE BIG IDEA I can use for my personal or business life. A single idea can do the job and make my money back many times over.
I have recently invested $2,000 to attend a "How To Do Webinars" seminar.
Many people react to this by saying it is too expensive for two days, refusing to participate. Even others who paid for the event may not have approached it the same way I did. Just this year, I came up with one brand new concept that is going to triple my productivity and my take-home pay.
However, I have been in seminars where sitting in the next row was a husband/wife partnership who had nothing to say but bad things the entire time. You name it and they had a complaint about it...from the room being too cold, to the chairs too hard, the exercise didn't make sense to their industry, and even the paper being too thin.
An attitude such as that one would likely leave someone with a negative experience, and they would take nothing away from the exercise.
At the same time, people such as myself understand it and will proceed to make hundreds of thousands, possibly even millions of dollars from the idea that others overlooked.
So focus in on this and get ready to learn about the one-big-idea concept. This single trait illustrates the difference between those who succeed and those who do not.
As soon as you know the responses to these inquiries, you are set to embark on a marketing effort that will really get results.
Simplifying Your Marketing.
The fact that effective marketing is MUCH simpler than non-effective (typical) marketing is something you need to get your head wrapped around.
Yes, you must master the basics, but once you do that and put them into practice, all that remains is to test and measure and get ready for success. Until when? I wish I could know. If you work hard and apply what you are learning, it could come to pass within 1-3 months. You won't become a millionaire overnight, but you can create the methods that will make you a millionaire one day.
At its core, success is about correctly implementing the blueprints and templates that are proven.
They print and mail a few letters to people they know. And they sit back. At that stage, they learn that their friends or family have gotten three or four letters each month from other realtors and loan officers.
So they pick up the phone and call these friends to request work, but they are turned down over and over.
They begin attending the network meetings - breakfasts, lunches and dinners. They become addicted to networking, wandering from one gathering to the next, watching their bank balance go down and getting more and more panicked. They figure out that everyone else in the networking groups already know other realtors and loan officers who also attend networking groups.
Perhaps they buy advertising space or place their photos in prime locations -- that must be it!
It will definitely be successful . . .yes?
Sure, they can do this with NO training on how to market in an ad or a billboard.
How do they learn the steps to take?
They just imitate the failed methods of other unsuccessful real estate agents and loan officers!
They are completely mistaken.
Take note: only two percent of loan officers and realtors are supporting themselves... do you really want to pattern your business after the other ninety-eight percent who do not know how to market? NO WAY.
If you want to get ahead in marketing and advertising, you need to follow some ground-level concepts that are true of every business that exists.
I count myself blessed to have gotten lessons from the top people in my field, people who produce multi-millions for their business.
Interestingly, true millionaires have such a drive that even if stripped of their financial assets, in three years time they could return, more wealthy and successful than ever.
In what way?
You must first grasp the basics and apply the concepts in your own business strategies. It is proven. This idea has certainly worked for me, and not just me, but everybody I know who has tried to apply it has been successful.
So, what would I do if I was wanting to do a "make over" with my real estate business and / or mortgage business?
Step one: I'd go to some getaway at a hotel or retreat center where I could work for two solid days with nothing at all to distract me. If these two days make you more money than anything else, then they're worth making time for.
Photos of your loved ones, and/or photos of your dream future, including cars, homes, travel destinations, relationships, kids, pictures that remind you of freedeom, or passion and of your entrepreneurial dream, along with reams of paper, a laptop, and lots of pens are things I would suggest you bring with you.
After that, I'd take the paper and start journaling my answers to some very serious questions.
For example, what am I in this for? What are the rewards when I reach my goal? These can be financial or other kinds of goals.
Put these thoughts on paper.
Why did I get into this field? How much longer do I want to be doing this job? After I make it to my number one goal, what do I want next (to retire, give to charity, see the world, found another business, etc)? What are you willing to give up to be successful? Is there anything I won't do to accomplish those dreams? How do I stand out from other people?
Put your strengths and weaknesses on paper. Make a note of things from your past: employment, significant highlights, failures, and triumphs.
Write down what makes you stand out from the crowd? What are your best qualities?
People in business and society who have a grand vision on who they are now and who they want to be, as silly as it may sound, are the most successful people. Every single thing they get involved in is moving them towards their main goal.
What are you very good at? What are you really bad at doing? How much do you think you should be making?
Run the numbers. On a piece of paper, put down your desired annual income. Then take into account, because this is simply a fact, that less than half your working time will actually generate money for you. Next, figure out what you get paid for an hour of work. THIS REALLY MATTERS.
What would you love to do or be if money was not a concern? Considering this opens your mind to what must be done and what must be changed, although this number has never been calculated by most people. Who would you spend your time with? How would you spend your time outside of work?
The main point is: Money doesn't matter. Put it on paper.
Look 30 years into the future. You arise from a deep sleep to find out that you are present at your own funeral. Who is going to speak about you at your memorial service? What do you want them to say about you? Write out what you would like the preacher to say about you at your funeral. (Although difficult, this exercise can really demonstrate the upside opportunity).
We could discuss this topic for hours, but we have plenty to get started on.
There is one example of a realtor who promotes herself as "The Pet Lovers Realtor". Although she works in a city of a million, she is the only realtor who promotes herself as an animal lover.
She accomplishes this by photographing herself with her canine friends, advertising in pet magazines, and taking out ads in parenting magazines that display both her and her dog.
She understands . . .4,999 other people do not!
Another realtor goes broke because they are far too sold into the cult mentality of sameness of realtors and on goes the story when I tell other realtors about this, and watch their eyes glaze over with disgust as they remark "I want to sell to everyone, NOT only pet lovers!"
Are you following your competition too closely? Do you believe that everyone must act alike, dress alike, and market themselves just like everyone else without any choice? If so it's time to find fresh blood with new ideas. Yes, this DOES apply to your business too.
Take note: starting a successful business and keeping it going can't be done in a day. You've got to understand success, financial savvy, the winning mindset, achieving, marketing, writing ads, managing, planning your time, etc.
You can't possibly know everything, and you must continue to spend time and money getting educated. Traditional education is helpful, but to find true success you need to look further.
Those who are out there doing it in the real world - not reading about it in a textbook and regurgitaing their untested theories to a classroom full of students are where a true success education comes from. (Few, if any, are the number of professors working in colleges or universities that are successful financially.)
It is important to observe those that have already found success. Don't worry about what field they are in, either. Find out how they think, how they view the world, how they promote their services. The only place to get that kind of learning is outside the classroom.
For myself, tens of thousands of dollars each year goes into my own continuing education. When I pay $5000 for a seminar or $2500 for a one day one on one training, the only thing I want from it is ONE BIG IDEA I can use for my personal or business life. A single idea can do the job and make my money back many times over.
I have recently invested $2,000 to attend a "How To Do Webinars" seminar.
Many people react to this by saying it is too expensive for two days, refusing to participate. Even others who paid for the event may not have approached it the same way I did. Just this year, I came up with one brand new concept that is going to triple my productivity and my take-home pay.
However, I have been in seminars where sitting in the next row was a husband/wife partnership who had nothing to say but bad things the entire time. You name it and they had a complaint about it...from the room being too cold, to the chairs too hard, the exercise didn't make sense to their industry, and even the paper being too thin.
An attitude such as that one would likely leave someone with a negative experience, and they would take nothing away from the exercise.
At the same time, people such as myself understand it and will proceed to make hundreds of thousands, possibly even millions of dollars from the idea that others overlooked.
So focus in on this and get ready to learn about the one-big-idea concept. This single trait illustrates the difference between those who succeed and those who do not.
As soon as you know the responses to these inquiries, you are set to embark on a marketing effort that will really get results.
Simplifying Your Marketing.
The fact that effective marketing is MUCH simpler than non-effective (typical) marketing is something you need to get your head wrapped around.
Yes, you must master the basics, but once you do that and put them into practice, all that remains is to test and measure and get ready for success. Until when? I wish I could know. If you work hard and apply what you are learning, it could come to pass within 1-3 months. You won't become a millionaire overnight, but you can create the methods that will make you a millionaire one day.
At its core, success is about correctly implementing the blueprints and templates that are proven.
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