Mortgage Broker Forums at Broker Outpost

Ill pay your Associate FEE Join Pre-Paid Legal. (by: fcunnane3)

Pre-Paid Legal Inc. A NYSE Traded Company. Been in business for 30 years. I have a budget and Im looking for 75 business minded individuals so I figure Loan Brokers are the best business minded people I know. Its not a get rich quick scheme, its more along the lines of an steady as you go insurance broker model where you sell this legal insurance product and get paid upfront and a residual each year. You can sell the service nationwide to just about anyone. The cost of the memberships start at $16/mo. who cant afford that? Sell the service right along side of whatever you are already doing and make some good residual income, about $138 per sale at the level you start at. Im building a team and will pay for your fast-start program $72.00 (normally $249) ""that I will pay"". I will also put one (1) person under you to advance you to the senior level. Sell the service to your past and present mortgage clients youll make money on each sale and residuals each year. I dont earn money bringing associates on board, you only earn money when you sell a membership to a prospective client. So dont think Im making a living recruiting. Please respond by calling me at 707-291-0017 or shooting me an email at franciscunnane@gmail.com You can also check out the programs at www.prepaidlegal.com/hub/francis15 By Joining my team you get use of my predictive dialer if you want to market for your own mortgages or pre-paid legal services to help you be successful. You just have to pay for your own long distance at $.012 per min. - Last Post by: fcunnane3 on 11/20/2009 @ 9:45 PM

Sports Bar (by: carriemaese)

Name your favorite or most hang out Sports Bar. Do you like their food? Services? Is it expensive or reasonable? - Last Post by: carriemaese on 11/20/2009 @ 9:43 PM

GOOD BYE OPRAH!!!! (by: carriemaese)

finally last time I saw her complete show was back in late 80s.. - Last Post by: carriemaese on 11/20/2009 @ 9:38 PM

Bin Laden- You have the Right to Remain Silent (by: carriemaese)

CNSNews.com asked Pelosi at her regular press briefing on Thursday: "When we capture Bin Laden, should he be told he has the right to remain silent and given a lawyer?" Pelosi responded: "Well, lets see, how many years has it been? Nine, eight years." In the United States, potential criminal defendants need to be warned of their �Miranda rights after they have been arrested and before they have been questioned. If the arresting authorities fail to read a suspect his or her Miranda rights statements the suspect subsequently makes will likely not be admissable evidence in a trial. The question of reading Miranda rights to terrorists such as Bin Laden took on particular cogency after Attorney General Eric Holder announced last week that the Obama administration would try 9/11 mastermind Khalid Sheik Mohammed (KSM) in a federal civilian court, rather than in a military commission. The need to treat captured terrorists as potential defendants in civilian courts could seriously complicate U.S. intelligence gathering on al Qaeda, which in the years after 9/11 has relied heavily on interrogating members of that organization who are captured overseas. http://conservativepapers.com/index.php/2009/11/20/pelosi-wont-say-whether-osama-bin-laden-should-be-told-he-has-the-right-to-remain-silent-and-get-a-lawyer/ - Last Post by: carriemaese on 11/20/2009 @ 9:36 PM

Custom REO and Bulk Package Services (by: loanbroker5)

Kayne Consulting works directly with a Law Firm to custom tailor all of your REO and Bulk Package deals. This Law Firm is REAL, no wasting time with fake offers...it starts with an NCND, LOI and then we come back to you with a custom list based on your criteria. We work with Buyers and Sellers and our Law Firm is Direct. Call or email me directly for details. Sebastian Rusk 786-273-7875 direct sebastian@rusk.com sebastian@rusk.com - Last Post by: loanbroker5 on 11/20/2009 @ 9:33 PM

Housing Recovery Delayed to 2010 as market wanes! (by: peter)

U.S. Housing Recovery Delayed to 2010 as Market Wanes (Update3) By Kathleen M. Howley and John Gittelsohn Nov. 20 (Bloomberg) -- A recovery in U.S. housing will have to wait at least until next year. The outlook for the home market dimmed this week as residential construction and mortgage applications fell and loan delinquencies reached a record. �I dont think the housing crisis is over, Mark Zandi, chief economist with Moodys Economy.com, said in a telephone interview. �I think were going to see another leg down. New home sales may begin to pick up by the start of the so-called spring selling season, said Toll Brothers Inc., the largest U.S. luxury homebuilder. Existing house sales may take longer. Residential construction and property sales led the way out of the previous seven recessions going back to 1960, said David Berson, chief economist of PMI Group, the mortgage insurer in Walnut Creek, California. Mortgage applications for home purchases fell to a 12-year low last week and foreclosures rose to record highs in the third quarter, according to reports from the Mortgage Bankers Association. An index measuring November homebuilder confidence came in lower than the median forecast of 45 economists this week. The Commerce Department on Nov. 18 said residential building dropped 11 percent in October to the lowest level since Aprils all-time bottom. �Challenging Conditions The $8,000 federal tax credit for first-time buyers, extended by President Barack Obama on Nov. 6, drove existing home sales to a two-year high in September. At the same time, a 26-year high in unemployment is keeping many buyers out of the market and pushing existing owners into foreclosure. �The thing that drives our business the most is job creation, Donald Tomnitz, chief executive officer of D.R. Horton Inc., said today on an earnings call. �If we look at the macro economic environment, its not good for us. D.R. Horton, the nations second-largest homebuilder, fell more than 15 percent, the most in a year, after reporting a fourth-quarter loss that was wider than analysts estimates. Shares of companies in the S&P Supercomposite Homebuilding Index fell 4.1 percent today. U.S. companies have shed 7.3 million jobs since December 2007, the biggest contraction since the Great Depression, and the unemployment rate jumped to 10.2 percent in October, the highest since 1983, according to the Bureau of Labor Statistics. The jobless rate probably will peak at 10.4 percent in 2010s first quarter, even as the U.S. economy continues an expansion that began in the third quarter, said Douglas Duncan, chief economist of Fannie Mae, the largest mortgage financier. Loan Delinquencies �You dont pay a mortgage with economic output -- you pay a mortgage with a paycheck, Jay Brinkmann, MBAs chief economist, said yesterday. The share of all types of home loans with one or more payments overdue climbed to a record seasonally adjusted 9.64 percent in the third quarter, the Washington-based trade group said in a report yesterday. There are signs that parts of the U.S. are rebounding. California, among the states where the housing bust started, is one of the few areas thats beginning to recover. October home prices in Orange County, San Diego and the San Francisco Bay Area increased from a year earlier, MDA DataQuick, a San Diego property information service, said this week. The number of sales also increased in the Bay Area and Southern California. Tenuous Stabilization �We have to be aware that the stabilization that weve seen so far is tenuous at best, Lennar Corp. Chief Executive Stuart A. Miller said Nov. 17 at a conference in New York sponsored by UBS AG. Homebuilders and investors will get a better gauge of whether housing demand is stabilizing in 2010s first quarter, said Robert Toll, chairman and chief executive officer of Toll Brothers, the largest builder of luxury houses. The spring selling season for homebuilders typically begins in February, earlier than the resale market because families with children want to be able to move into a home before Septembers start of school. It can take up to six months to build a home, and up to 9 months to build the larger houses sold by Toll Brothers. Spring Recovery �My prediction is well probably recover on a seasonal basis, Toll said yesterday at a conference in New York sponsored by Citigroup Inc. �Its generally accepted that the homebuilding industry is off the mat and on the road to recovery. The U.S. median existing home price tumbled 28 percent over three years to $164,800 in January, the lowest in more than seven years, according to the National Association of Realtors. A month later, Congress passed the American Recovery and Reinvestment Act of 2009 giving a tax credit to first-time buyers. Existing home prices probably will fall 12 percent this year to a median of $173,800, while the new-home median likely will tumble 8.7 percent to $212,000, according to a forecast on Fannie Maes Web site. Combined sales of new and existing properties probably will drop 0.7 percent to 5.36 million, even with the federal tax credit, after plunging 16 percent last year. �The first-time homebuyer tax credit juiced up sales, said Moodys Zandi. �The stimulus was helpful. It augurs, at the very least, that policy makers cant pull life support from housing. Bouncing at Bottom Josh Levin, a housing analyst at Citigroup Global Markets Inc. in New York, said he expects sales to continue to be slow until January or early February, followed by a surge as buyers try to beat the April 30 expiration of the tax credit. �The bouncing along the bottom is distorted by government policies, he said in an interview yesterday. Foreclosures will also have limited impact on driving down real estate prices as long as banks are slow to put properties on the market and the government encourages loan modification programs, he said. �Its clear the government and banks dont want to flood the market with foreclosed homes and its clear its going to be dragged out, he said. To contact the reporters on this story: Kathleen M. Howley in Boston at kmhowley@bloomberg.net; John Gittelsohn in New York at johngitt@bloomberg.net. Last Updated: November 20, 2009 16:29 EST http://www.bloomberg.com/apps/news?pid=20603037&sid=a1nQ57v_2e5g - Last Post by: peter on 11/20/2009 @ 9:20 PM

GALLUP SHOWS OBAMA AT 49% (by: pmbjed)

Bout time they joined the rest of the world... http://www.gallup.com/Home.aspx - Last Post by: pmbjed on 11/20/2009 @ 9:03 PM

Is this declining income???? (by: financebiz)

Income on tax return for 2007 was $669,000 and income for 2008 was $661,000. The underwriter says FHA will not allow declining income to be used. Is this really declining income? What can I do? - Last Post by: financebiz on 11/20/2009 @ 8:56 PM

Time for LOs to pay it forward ... (by: ML)

No, I am not talking about good deeds. As year end is approaching, this is often a good time to pre pay some expenses. Buy office equipment, stock up on supplies,renew subscriptions, pay for advertising, ETC. Kind of boring stuff to think about, however, a little thought and planing on these matters helps. - Last Post by: ML on 11/20/2009 @ 8:55 PM

end of world2012 (by: CoolMtgGuy)

What the heck is this . there are so many count done on so many website. have alook http://www.2012supplies.com/countdown.html - Last Post by: CoolMtgGuy on 11/20/2009 @ 8:45 PM

All The New Taxes With The Senate Health Care Bill (by: VVance)

http://www.atr.org/userfiles/111809pr-comptaxreid(2).pdf - Last Post by: VVance on 11/20/2009 @ 8:23 PM

Mamogram recommendation (by: CoolMtgGuy)

I have yet to ask my wife what her reaction is to the recommendation but mine is simply confusion. I will absolutely understand any womans anger and frustration with the confusion that surrounds breast cancer. That said, all I see is a recommendation. One that includes encouraging women to consult with their doctors as they should always do. What is so wrong about that recommendation? ---------------- Task Force Member Defends Mammography Guidelines Meanwhile, three doctors weigh in on what women should do about the new recommendations Posted November 19, 2009 By Kathleen Doheny HealthDay Reporter THURSDAY, Nov. 19 (HealthDay News) -- Responding to the uproar over revised mammogram recommendations unveiled earlier this week, a member of the independent task force that crafted the recommendations defended them Thursday, saying they were based on the most current, accurate information available. People Who Read This Also Read No Immediate Changes Expected in Mammogram Coverage 28973654 Sarah Palin Looking Loony on Oprah Winfrey 28837316 10 Tips for Getting More Financial Aid 28215874 Routine Mammograms Before 50: Not Much Point 28892742 Health Buzz: Panel Doc Says Mammogram Verdict Not About Cost and Other Health News 28956394 Dr. Timothy Wilt, a member of the U.S. Preventive Services Task Force, defended the recommendation that most women dont need to get mammograms in their 40s and should get one every two years starting at age 50. That recommendation runs counter to the American Cancer Societys long-held stance that women should get a yearly mammogram starting at age 40. The task forces recommendations "were based on the most rigorous peer review of up-to-date, accurate information about the evidence about the harms and benefits of treatment," Wilt said on ABCs Good Morning America, the Associated Press reported. On Wednesday, U.S. Health and Human Services Secretary Kathleen Sebelius responded to the controversy that followed the release of the task force recommendations on Monday. She said the USPSTF does "not set federal policy and they dont determine what services are covered by the federal government." Sebelius added that American women should "keep doing what youve been doing for years -- talk to your doctor about your individual history, ask questions, and make the decision that is right for you." She also said shed be "very surprised if any private insurance company changed its mammography coverage decisions as a result of this action." Wilt did not take issue with Sebelius statement. "Our recommendations support an individualized decision-making process," he said, and each woman still needs to talk with her doctor to make the most informed decision, the AP reported. For the rest of the article, see [url]http://tinyurl.com/yzpdj9n[/url] - Last Post by: CoolMtgGuy on 11/20/2009 @ 8:15 PM

Global Warming Stats Cooked, Its a Farce (by: assassin17)

Pretty damning evidence if you ask me. The so called scientists are cooking stats to push their warming agenda. Its been nothing but a transparent money grab from the ill conceived beginning. Theyll lie, cheat and steal to get their grubby, self serving hands on the billions at stake. Even if it means destroying the U.S. economy. The American people need to wake up and quickly. Everything is being stolen from us in broad daylight. They piss on our legs and tell us its raining.

quote:
Apparently a "Global Climate Center" was hacked and the contents have been posted to the Internet. A ZIP file exceeding 60MB and containing a huge number of emails and other documents has been posted worldwide. Original speculation as to whether the files posted were legitimate or some sort of spoof appears to now be confirmed as legitimate: �It was a hacker. We were aware of this about three or four days ago that someone had hacked into our system and taken and copied loads of data files and emails. I have not had time to read all of the material yet (there are over a thousand files involved!) but what I have skimmed looks VERY damning. Contained within the documents are what appear to be admissions of intentional tampering with data as well as intentional falsification of results to "show" man-made global warming. One of the emails says: "Ive just completed Mikes Nature trick of adding in the real temps to each series for the last 20 years (ie from 1981 onwards) and from 1961 for Keiths to hide the decline." That is, to hide a decline in global temperatures. It gets better. Another message, this one allegedly from 2000: It was good to see you again yesterday - if briefly. One particular thing you said - and we agreed - was about the IPCC reports and the broader climate negotiations were working to the globalisation agenda driven by organisations like the WTO. So my first question is do you have anything written or published, or know of anything particularly on this subject, which talks about this in more detail? Oh, so its not about the planet getting warmer, but rather is a convenient means of advancing an agenda that has already been pre-determined? Then theres this: In my (perhaps too > > harsh) > > view, there have been a number of dishonest presentations of model > > results by individual authors and by IPCC. This is why I still use > > results from MAGICC to compare with observed temperatures. At least > > here I can assess how sensitive matches are to sensitivity and > > forcing assumptions/uncertainties. (Pardon the formatting, its text-mode email yanno.) Guess who that was addressed to? Michael Mann. You know, the (infamous and now discredited) "Mann Hockey Stick"? Guess where that email originated? NASA. Yes, I have the file. So do a few million other people. http://market-ticker.org/archives/1648-Global-Warming-SCAM-HackLeak-FLASH.html

Hotair covers the story as well here http://tinyurl.com/y8ku8zn - Last Post by: assassin17 on 11/20/2009 @ 8:11 PM

1 year commision average (by: hull33)

Anyway to do 1 year average commision? - Last Post by: hull33 on 11/20/2009 @ 8:04 PM

Favorite TV shows? (by: milehimagic)

I like in this order... Top Chef Man Vs. Wild House - Last Post by: milehimagic on 11/20/2009 @ 8:04 PM

BillBoard: President or Jihad (by: homebroker@sbcglobal.net)

Wow! http://tinyurl.com/ye8bbeh - Last Post by: homebroker@sbcglobal.net on 11/20/2009 @ 7:39 PM

Whats With This GetLoans4Me Idiot? (by: milehimagic)

And Ive never called anybody on BO an idiot before, never. Does anyone know why he comes across that way? dollar - Last Post by: milehimagic on 11/20/2009 @ 7:35 PM

GREAT ADVICE FOR MARKETING TO REALTORS (by: smoothlid)

I came across an old thread about marketing to Realtors. One of the posts from "smoothlid" aka Jeff Coon a branch manager for Freedom Financial in New Jersey was so insightful I thought I would re-post for those of you looking for Realtor business: original post 9-7-2008: "We figured out that working with local RE agents is best way for our office to thrive now & down the road. We have done it all "in house". You dont need to buy a "system" to get organized & create partnerships with local agents, Do it yourself. All it really takes is going back to basics, & investing in some quality hard work, and dont expect results overnight. It takes a little time to build. Here are some tips that can help you. Figure out what the agents need: 1. they want you to be accessible. All the time, really. 2. they want you to know what you are doing. Not your manager, not your processor, YOU. 3. They want you to communicate & keep everyone informed. 4. They need help with advertising, & marketing. 5. They want you to help them keep their clients loyal, just like you want them to do for you. 6. They want you at the closing ( this is soooo easy, ) 7. They want a "REAL" pre-approval, run DU, pull credit, review income & assets, etc. 8. They want you to help structure the offer ( explain & suggest seller concessions, DPA, reserves, etc.) 9. They need education on the current state of the mortgage market & process. 10. They want to trust you, so dont make them look bad, or gouge. Now, most if not all of those items above cost nothing. ( DU & Credit aside) Here are some items where you need to spend a little. 1. Help them market. What is their product? It is the listing & themselves( their service) They need nicer flyers, (in color), & glossy, folders, pens, pads, promotional items. You see these everywhere already, why arent you investing in this stuff to give out? You can charge them a nominal fee for cost of printing & paper for the % of space dedicated to them to remain RESPA compliant. 2. Help them ( & yourself) advertise. RE ads are cheap. Get in on the action by taking a piece of the ad space & paying for your space. Offer creative concepts & ad design. This is easy to do, & is RESPA compliant if you pay for yours & they pay for theirs. 3. Piggyback on their Farm mailers & help pay postage. Get the local Pizza guy or dry cleaner to pony up & include his coupons, too...bring down the cost of their mailing with this simple trick. 4. Sponsor Broker Open houses for them. ( what better way to make the agents COME TO YOU?) It costs @ $75 to do a nice broker open. ( tray of wraps, chips, cookies, soda/water) Meet anywhere from 3-30 agents you can start a relationship with, & it takes 2 hours. ( even better, use the agent roster, get email addresses, buy a email product like the Xsellerate from A la mode, & email blast 1000 agents in a day with broker open invites. This takes you to a new level, & is a great tool... COST? @ $150 yr.) Heres a freebie. WORK SUNDAY. spend time at your new agents open house. get to know them. 3 hours of face time? for FREE? are you kidding??? If you dont have an open house, go find some. Introduce yourself. Drop off some goodies. Show off samples of flyers, & promotional stuff you have developed. Make follow up calls & appts to meet again. hit 6 of em in a Sunday, & in 2 hours, you will have a new agent, almost every time. --I met one particular agent this way last year, & have closed 8 deals with her so far, & she introduced me to 2 other agents. This from a 10 minute cold call. You just have to be different than the avg LO. Another Freebie, develop a distribution list in your email program, & once a week email something topical & useful, like details of the $7500 tax credit, or how to write an offer with a sellers concession, & the limits for different loan types, etc...include a "gentle" reminder of your services & incredible 24/7 availability. We have tweaked & adjusted our approach to the point where I can get as many agents to work with me as I want. Im not kidding. My biggest problem at this point is handling them all. They all want/ need something ( they can be high maintenance ) & I am constantly doing pre-approvals & consults, broker opens, closings, etc. I had to finally hire a f/t processor so I can spend more time managing my referral relationships. Im not posting everything I do in this forum, but if you want to ask me more, email me & Ill call you. My goal? Simple. Heres my formula. An average agent should send me 4 loans a year. ( yup, thats it. dont expect more, although this is an AVERAGE, so some heavy hitters will send you lots more, & some will call you for only an occasional hard loan) So, if I want to close 80 loans this yr from this source, I need @ 20 agents. Once I get 20 agents, I want to add better ones & drop ones I dont like or need. If I can gross @ $5,000 a loan, & I can close 80......you do the math based on your own split. [i]You can have 20 agents in 6-9 months. Once you have them, stay in front of them, & defend your territory. Make it an easy decision to use you. Provide the gift of knowledge, & be the expert they need. Make them sell you. Make them want to. A couple last things: DO NOT bring Donuts to the office. I dont go to the offices, it is a waste of time. They are not there. If they are, a receptionist will prevent you from gaining entry. They will throw your cards & rate sheets in the big pile of other useless stuff, & eat your donuts. They dont care about your rates, as long as they are competitive, & you have loan programs to meet the buyers needs. If you meet an agent that is constantly wanting to know what you charge, tell them to beat it. You dont need them. They sell the house, you sell the loan. Period. Dont promise something you cannot do. Ever. Dont bad mouth the current mortgage relationship ( oh yeah, they have one, if not more than one) Just position yourself as someone looking for the right to HELP THEM WITH THEIR BUSINESS. Ask what they need, & see if the other guy is doing it, if not, there is your way in. Good luck!" I was so impressed with these simple yet effective techniques that I called Jeff to gain even further insight. We had a great conversation in which he shared a few more of his methods to success over the phone. Thanks for the great advice, Jeff. I hope this information will help otters looking to open the door to Realtor business. - Last Post by: smoothlid on 11/20/2009 @ 7:18 PM

Obama Speaks to Troops! (by: CoolMtgGuy)

Obama admits on camera that speaking to the troops makes a pretty good photo-opt. Isnt that disrespectful to the troops? http://tinyurl.com/yklvh5d - Last Post by: CoolMtgGuy on 11/20/2009 @ 7:11 PM

E-Mail Campaigns - Send 10,000 or 10 Million! (by: datalyst)

Often Imitated - but Never Duplicated [url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url]

Commercial Bulk E-mail Campaigns[url="http://tinyurl.com/Datalyst-Campaign-Systems"]Send an E-Mail Campaign - Datalyst[/url] We ARE different from the rest We are (as far as we know) the ONLY commercial business who will send your UNSOLICITED commercial messages and also give you the OPTION to purchase & download the actual contact databases that we send to. Also, our complete infrastructure is ONSHORE ONLY - we thought you might like that.

HERES HOW ITS DONE E-mail marketing is how many (if not most) "lead providers" get their info. For the professional marketers it is low cost, immediate, trackable and extremely effective. You can pay $30 per lead and be forced to buy in quantity, say 50 or so minimum. That would be $1,500 just to get the same data that might have been sold to 50 other LOs the same week regardless of some "exclusive" offer, depending on how much you trust the particular provider. Or you can GENERATE your own PRIVATE leads by doing the marketing yourself We have customers every day who do this and they keep coming back, so their business model must be working for them. Many admit they simply cherry pick the leads and then SELL the rest (usually paying for their marketing costs by selling the "unwanted leads"). This works for all lead types: purchase & refi, credit repair, debt settlement, loan mods, short sales, recruiting, etc. E-mail marketing can consistantly work, but it is not for everybody. You cant be shy or afraid about what others may think. It is just business - make a plan and work it.

Every day we send: Plain Text - with 40 character hard carriage return format. The choice of serious plain text marketers�You know who you are! Text HTML - Full rich text formatted messages to your specification using Dreamweaver HTML - the preferred coding of most major mail servers today. Just forward your �ad copy to us and we do the rest. Click through links created in a snap! Graphic HTML - Nothing grabs a readers attention like great graphics! We can send your message with images and code all of the redirects. Just forward your "ad copy" and we can easily get your full image messages out in no time. Our current customers are having success with: Building REA relationships Creating their own exclusive leads Loans Loan Mod Credit Repair Short Sales Recruiting LOs Direct download/view website sales Subscription websites Loan rate guides E-books Powerpoint, video and other LO training materials Industry related spreadsheet & database programs Our Campaign setup: 1. Choose a database to send to - Select from our databases and target the prospects you really want. Some databases are quite large and that does not mean you have to send to the entire thing. For example: You could choose our MB/LO database with over 250K contacts and only send to a portion of the database - say 50K or 100K. We will always keep your campaign details on record, so when you want another campaign to more contacts we can eliminate the ones you already sent to, if you like, so you are sending to fresh ones! 2. Choose how many messages you want to send - Please review our pricing details below and plan your campaigns. We find that customers who take the time to plan their campaigns can actually SPEND LESS than those who are blasting on a wing and a prayer. 3. Message review - We will completely review your ad for various reasons such as checking for good grammar, spelling, syntax, tone and its spam rating cross section. We will run your message through "spam rating filters" to help increase the chance of your message getting to your readers. We may offer suggestions on wording or symbol usage, possible changes to your message and help you to format your ad so it delivers the maximum punch during your campaign. 4. Your review and approval - We will send you an HTML copy of your message (or a link to your HTML copy - whichever works best for you) for your review and approval. You can still make changes at anytime, but when you give us the "go" command your message will be sent and we cannot get it back. Please double check everything before you tell us to hit the send button. We are never in a hurry with your campaigns, so you can take your time. 5. Make your campaign purchase- Once you give us the command to send, we will still need to process your payment before we hit the send button. This will give you time to plan your campaigns and choose the best sending strategies that will work for you. We accept all payments via Paypal and we will send you a special purchase link for your campaigns. You can make your payment anytime before we send your campaigns. Campaign Pricing (minimum campaign) 10K messages sent for $75 25K for $129 50K for $199 75K for $249 100K for $299 150K for $379 200K for $449 250K for $519 500,000 for $899 750,000 for $1,130 1,000,000 for $1,350 2,000,000 for $1,950 3,000,000 for $2,650 4,000,000 for $3,350 5,000,000 for $4,050 6,000,000 for $4,750 7,000,000 for $5,350 8,000,000 for $6,050 9,000,000 for $6,650 10,000,000 for $7,150 We have bigger discounts for the more aggressive marketers who desire 250K plus � 5 Million messages outbound each month (or each week!). We also recognize bulk sending prices for customers who are not doing million message blasts. For instance: Lets say you wanted to send five individual 50K message campaigns across a month or so. You could either purchase and send each 50K campaign separately ($199 for the first one & $139.30 for each of the other four = $756.20) or you could purchase a 250K campaign upfront for $519 and save $237.20 or about 30%. You can still have the messages sent on your schedule. Remember, you are in complete control of your marketing - you always have choices with us. We reserve the right to select times of day and to spread certain campaigns across multiple days. Target the prospects you really want and select from our databases. Some databases are quite large but, that does not mean you have to send to the entire list. For example: You could choose our MB/LO database with over 250K contacts and only send to a portion of the database - say 50K or 100K. We will always keep your campaign details on record, so when you want another campaign to more contacts we can eliminate the ones you already sent to, if you like, so you are sending to fresh ones! We find that most of our customers to date (small business marketing) are sending 25K - 75K once per week until they see the numbers they want. Everybody has their own strategies and methods. Some customers use our service to simply increase direct sales at their websites. Others (MB/LO, loan mod, credit repair, etc.) use our sending resources to drive leads to their submit pages on their websites. Either way, we only charge to send the messages. We in no way charge commissions or lead fees. All sales and leads are the property of the customer only. That is just another reason why we are different from many other vendors out there. Our Campaign Must Haves: 1. Your subject line - Make it brief, catchy if you can and to the point - avoid "spammy" terms like "Buy Now", "Hurry", "Sale", "Big Discounts" & "spammy" symbols like $, &, *, !, etc. Spam filters dont like those. 2. A first & last name - This will be shown on the "from" line. It should be the senders real name (though we wont tell if it isnt). Avoid strange names as spam filters dont like those either. 3. A valid "reply to" e-mail address - This will also be shown on the "from" line. It will be subject to receiving auto responses (out of office, vacation, etc.) and the replies from your readers. It will also be subject to anyone who received your messages - so select it wisely. Many business folks dont like responding to non professional free domain addresses like gmail, hotmail, yahoo, etc. Put your best foot forward. 4. Your complete message - Include a one line title, if you like, in bold to get your readers attention. Tell them who you are so dont forget the name of your business. Keep your paragraphs to three short sentences at most - any more and you might lose the attention of your reader. Use bullets for multiple important points you want to get across. You should have some kind of a closing statement to wrap things up and include your business name again, if you like (take advantage and brand yourself). Lastly, dont be afraid to let them know who you are personally, if you like - include your name, mailing address, phone numbers (direct, cell, office, toll free, etc.), and your "reply to" e-mail address again for them to see in your message signature. Everybody sends different messages so dont be afraid to try something - swing for the fences! Remember, we do not charge extra for helping you put together a message, code your click through links or redirect graphics from your host server. We are not copy writers or graphic artists though, but if you have any questions at all - please feel free to ask. Also, we recommend the use of shadow domains when you reference to or have links to websites as well as your e-mail address domains. We want to help protect your business assets. The net can sometimes be a pretty strange place to navigate, so think like a boxer - protect yourself at all times. Yet, another reason why we are different from many other vendors out there. Protection for YOU and YOUR Business Domains We have campaign programs specifically designed to protect your business domains from being blocked, redlisted or blacklisted. We send your messages from our commercial bulk sending platform. We send from multiple Class "A" IPs and multiple domains. This will protect you from any spam complaints because they will simply be directed to our server � not directed to you. We have entered into agreements with the mail server community and are required to follow the multi feedback loop procedures. We jump through the hoops so you dont have to! We handle spam complaints from our commercial bulk sender platform. When you follow our recommended protocols you will not have to defend yourself against spam complaints from mail server administrators against your business domains. NOTE: Our only restrictions are that your content must be industry B2B related (or easily approved). We do not send campaigns related in any way to MLMs, dating/escort/other websites, prescription medications or OTC medications such as weight loss pills, gaming enticements or any other advertisements that may violate Federal or State laws. You have plenty of individual options You can use your own "reply to" address and receive all the replies (and autoresponders) or we can use ours and you will receive nothing at all - just the click throughs to your website. You also have the option of using a "shadow" domain to further protect your business domain. For instance, your domain may be loanbroker.com. You can set up a shadow domain called loan-broker.com or loanbroker.net. We can enter this as the "reply to" domain and you will receive all your replies, but it will send them to your campaign domain and protect your true business domain (we have found that recipients rarely pay attention or even notice the difference). You can simply forward your campaign domain replies to your business address account. You can then correspond from your real address if you choose. This will even further protect your business domains and addresses from complaints, block attempts and blacklists. It really depends on what you are marketing and how you want to receive customer responses. We would like the opportunity to design your individual campaign. Projects take just 1 to 3 business days to plan and execute Its as easy as�1 - 2 � 3 1. You choose the database you wish to send to, the number of times to send to the database initially and your campaign �name & �reply to address (this data is your campaign instructions). The database can also be purchased at the BO discount price along with your campaign. 2. You enter �Mail Project: & your BO user name as your subject line. Your campaign message (in an attached word doc if you choose), your subject line and your campaign instructions. We will review your project, reply to you with updated database counts, campaign agreements & billing information. 3. We will send you a test message for your approval & then send your campaign. Contact us today Chris Adams Support@RealEstateDatalyst.com - Last Post by: datalyst on 11/20/2009 @ 7:10 PM

OUR 371K+ MB/LO Database $379 -Simply The BEST! (by: datalyst)

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4th QTR 2009 Update CALIFORNIA REA JUMBO LIST This database now has 161,400+ contacts. [url="http://tinyurl.com/CA-REA-Database-BO-Discount"]Get your CA REA Database - Datalyst[/url]

4th QTR 2009 Update FLORIDA REA JUMBO LIST This database now has 150,400+ contacts. [url="http://tinyurl.com/FL-REA-Database-BO-Discount"]Get your FL REA Database - Datalyst[/url]

4th QTR 2009 Update TEXAS REA JUMBO LIST This database now has 76,200+ contacts. [url="http://tinyurl.com/TX-REA-Database-BO-Discount"]Get your TX REA Database - Datalyst[/url]

[url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url] $129.00 - National Title Company Database $199.00 - State Jumbo Database $379.00 - National MB/LO Database We have the BEST EVERYDAY prices you will find! Retail prices: $199-Title Company Database, $329-State Jumbo Database & $579-MB/LO Database The files can be downloaded by format preference: Excel 2007 Version or Excel 97-03 Version. BROKER OUTPOST DISCOUNTS! ATTENTION: Click the small blue BO in the upper right hand corner of our homepage and you will see the Broker Outpost Special Pricing

We would like to do business with you, so if you have further questions please dont hesitate to contact us. Thank you and have a great day, Chris Adams support@RealEstateDatalyst.com - Last Post by: datalyst on 11/20/2009 @ 7:10 PM

MARKET to REAs & CREATE Private SALES Leads! (by: datalyst)

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WE MINE & SELL OUR OWN DATA - WE ARE NOT DATA RESELLERS� 95% E-Mail Address Hard Bounce Free Guarantee We are the ONLY business that will do ALL THREE services for you: 1. Sell e-mail address verified contact databases 2. Send your UNSOLICITED e-mail campaigns 3. Data mine websites for you We are the ONLY service who advertises SUPERIOR E-MAIL ADDRESS QUALITY because� We are the ONLY service that actually uses our own databases EVERYDAY You DESERVE BETTER than resellers � You DESERVE REAL DATA from the source [url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url]
HERES HOW ITS DONE E-mail marketing is how many (if not most) "lead providers" get their info. For the professional marketers it is low cost, immediate, trackable and extremely effective. You can pay $30 per lead and be forced to buy in quantity, say 50 or so minimum. That would be $1,500 just to get the same data that might have been sold to 50 other LOs the same week regardless of some "exclusive" offer, depending on how much you trust the particular provider. Or you can GENERATE your own PRIVATE leads by doing the marketing yourself We have customers every day who do this and they keep coming back, so their business model must be working for them. Many admit they simply cherry pick the leads and then SELL the rest (usually paying for their marketing costs by selling the "unwanted leads"). This works for all lead types: purchase & refi, credit repair, debt settlement, loan mods, short sales, recruiting, etc. E-mail marketing can consistantly work, but it is not for everybody. You cant be shy or afraid about what others may think. It is just business - make a plan and work it.
REAL ESTATE AGENT CONTACT LISTSMarketing databases - All 50 states Real Estate Datalyst COMPLETE 4th QTR 2009 Update http://tinyurl.com/Broker-Outpost-Member-Pricing ALL DATABASES - IMMEDIATE DOWNLOADS - NO WAITING
***We can send your e-mail messages too***Small Drip Campaigns from 10K per day to Super Jumbo Campaigns of 5 million per month
371,600+ E-mail addresses for [i]Mortgage Brokers/Loan Officershttp://tinyurl.com/MB-LO-Database-BO-Discount 1.09 MILLION+ REAL ESTATE CONTACTS NATIONALLY!http://tinyurl.com/National-REA-BO-Discount Full Name - Business Name - Mailing Address - City/TownState - Zip Code - Phone NumberE-MAIL ADDRESS Databases are updated at least quarterly for superior e-mail deliverability $49 - $129 - Individual State Lists $199 - Jumbo State Lists California - 161,400+ Florida � 150,400+ Texas � 76,200+ $529 - National Real Estate Agent Database

4th Quarter 2009 CA Update CALIFORNIA REA JUMBO LIST This database now has 161,400+ contacts. http://tinyurl.com/CA-REA-Database-BO-Discount

4th Quarter 2009 FL Update FLORIDA REA JUMBO LIST This database now has 150,400+ contacts. http://tinyurl.com/FL-REA-Database-BO-Discount

4th Quarter 2009 TX Update TEXAS REA JUMBO LIST This database now has 76,200+ contacts. http://tinyurl.com/TX-REA-Database-BO-Discount

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www.RealEstateDatalyst.com These are BROKER OUTPOST MEMBER Prices We have the LOWEST EVERYDAY PRICES you will find!Retail pricing[/u] - $79 - $229 per State Database ($329 Jumbo) & $879 for the National Database The databases are formatted in Excel Our website has easy .csv & text conversion instructions if needed

We would like to do business with you. Visit our automated website for more info. Please dont hesitate to contact us with any questions you may have. Thank you, Chris Adams Support@RealEstateDatalyst.com - Last Post by: datalyst on 11/20/2009 @ 7:09 PM

FHA Streamline Going Away? (by: peeper)

Maybe Im just out of touch, but has anyone heard that FHA streamlines are going away as soon as January, 2010? With values sagging, the streamline with no appraisal has been a help. - Last Post by: peeper on 11/20/2009 @ 7:09 PM

UFC 106 (by: GetLoans4me)

Tito Ortiz vs Forrest Griffin Josh Koscheck vs Anthony Johnson Phil Baroni vs Amir Sadollah Antonio Rogerio Nogueira vs Luiz Cane Paulo Thiago vs Jacob Volkmann Marcus Davis vs Ben Saunders Kendall Grove vs Jake Rosholt - Last Post by: GetLoans4me on 11/20/2009 @ 6:55 PM

All Loan Apps to be Face to Face? (by: smoothlid)

My processor just got out of a staff meeting with the boss regarding new changes and she stated that all loan applications will eventually have to be face to face? Has anyone else heard this? - Last Post by: smoothlid on 11/20/2009 @ 6:51 PM

Want to become an LO (by: smoothlid)

I am looking to become a loan officer. I do not have much experience but I know the industry. I live in NY. Can anyone recommend a good company to work with Thanks Angie - Last Post by: smoothlid on 11/20/2009 @ 6:48 PM

Is FOX News, really news, or just entertainment? (by: Mandyvilla)

Do people really consider these guys credible news, or just entertainment? Recently, they covered a march against the health care bill, but edited in previous tapings of other marches from summer that had a lot of people to make the event seem bigger. John Stewart in the Daily Show ripped them a new one about this and FOX admitted that it was a mistake and apologized. In the past, FOX also refused to cover the gay rights protests that had tens of thousands while devoting half hour segments and multiple coverage of very small tea parties, or protests against the school that taught children the Obama Song that had a few dozen protesters at most. Check out these clips. http://www.hulu.com/watch/108118/the-daily-show-with-jon-stewart-sean-hannity-uses-glenn-becks-protest-footage http://www.hulu.com/watch/108766/the-daily-show-with-jon-stewart-sean-hannity-apologizes-to-jon - Last Post by: Mandyvilla on 11/20/2009 @ 6:45 PM

FHA Appraisal permits requirements (by: Hopland)

I have a purchase its a apt convert to condos. The building is FHA approved. The unit went through a total remodel with new kitchen, bathroom etc. but it looks like the seller is saying that they do not have permits for the remodel? The appraisal has not been completed so I dont know how it will be written. I pulled a title report and it looks like there have been loans written since this remodel by BofA and Wells. Will this permit issue be a problem with FHA? If so is there a certain lender that would be a good fit for this scenario? - Last Post by: Hopland on 11/20/2009 @ 6:43 PM

My Purchases keep going past the closing date (by: smoothlid)

It seems like a lot of the purchases I end up doing go past the closing date. Sometimes it is the customer who has delayed getting me documents or it is the real slow turn around time of the underwriters. Everytime this happens everyone seems to go bananas and they call me 35 times a day even though I always tell them I will call as soon as I hear something. Sometimes the realtor will call 30 minutes after her last call and ask if I heard anything. I feel like saying "Yeah I heard something an hour ago, I just didnt tell you!", but I dont say really say that. These people must think we are just sitting on our hands over here. Jeez. The deadline with these purchases makes things stressful sometimes. - Last Post by: smoothlid on 11/20/2009 @ 6:42 PM

Need a company to place this deal with (by: SHall)

Hardship client is enduring: - client was unemployed- recently started working again - 2 case of family illness (provable) Approximate Home Value $730,000 1st Loan Amount: $697,000 Monthly Payment: $3,340 Interest Rate 3.35% Lender; Bank of America Monthly Income" $5,513 + bedroom rentals The NOS on this file was supposedly filed for 11/19/2009 Can your company take on this file? Is there a way we cna get the lender to rescind? I am looking for someone that can really help my client, not just take his moeny. I have a big book of business and have alot of similar files at hand... Please email, text message, or call me stevenhall1strate@yahoo.com (310) 562-6122 The client has agreed to pay $4,440 for services rendered. Thankk you, - Last Post by: SHall on 11/20/2009 @ 6:38 PM