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Rookie Originator Hits the Ground Running

New mortgage originator Chris Casel enjoys immediate success using his
"personalized marketing vehicle" and is well on his way to achieving his
first-year goal of closing nine loans per month.

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My name is Chris Casel and although I've been in the mortgage business for just ten weeks, I have already funded four loans and have three more in my pipeline. My first purchase transaction, a referral from my realtor partner, funded yesterday.

My Myers website is my marketing vehicle and it already ranks on Google's first page
, because every two weeks I plug my key words into my SEO tools provided by Myers. The result? My phone rings, and this morning I took an application at 7:00 AM!

Getting my Myers website was one of the first things I did to establish myself in my new career. I work in a professional establishment with people who have lots of experience. Having a professional website bolsters my image and assures people I'm not just some guy working in a basement. My website tools help people determine what they can afford, without me having to take the time to explain all the loan programs ahead of time. Plus, my site is really easy to maintain. It takes just a few minutes to give my site a fresh look whenever I feel like it.

My website gives me the huge competitive advantage of being available twenty-four hours a day. On my voicemail message, I promise to get back to callers in one hour, and tell them to please visit my website. The first thing I do in the morning, even before coffee, is to check my email to see if I have new leads.

Google crawls my site every couple of weeks, so it's critical for me to regularly take the time to work on my keywords. Utilizing the SEO tools, I enter different tags, descriptions and keywords for each one of my three dedicated pages. Today I found my listing on the first page of Google when I typed in seven of my key phrases. I also take advantage of the secure online 1003.

One of my realtor partners includes my mortgage information with her listings, and that information links to my site.

I've been in the business just about 10 weeks and I already have a "favorite" website story. I considered getting a lighted roof sign for my car, but I didn't want to be mistaken for a taxi or the pizza delivery guy, so I decided upon license plate frames that display, "Bay Area Loan Guy" and my web address. I wondered if the frames might look cheesy, until I remembered I was going to get a roof sign. This morning on the way to work I was stuck in traffic. When I arrived at work I received an email. The sender wrote, "Hi, I'm the guy who was sitting behind you on the on-ramp, and I'm looking for a refi!"

Converting a cold call to a business relationship is a skill I'm continuously developing. I've discovered that some Internet shoppers just want numbers and are very "cold". I concentrate on earning their loyalty by building trust. Trust, I've discovered, is more important than experience.

My strategy for success over the next twelve months is to be funding nine loans per month by the end of the year. I expect to accomplish this by emphasizing excellent customer service. I recently received a purchase transaction that could have gone to a well-known, online mortgage company. The client told me that he even has stock in the online mortgage company and gets discounts from them. My client felt that I was more available, and that I asked the right questions. This is the type of service I plan to deliver consistently, which will in turn secure my successful future in the mortgage business. I aggressively market the Myers Mortgage Payment Sweepstakes. I've placed fishbowls at Asian noodle houses where engineers have lunch.

I've already received four online applications, and it's so simple - it only takes a few seconds - to transfer the data into Calyx Point. To become established in other ways, I've contacted friends, family, past co-workers, and acquaintances to let them know about my new business. I'm fortunate to have quickly developed relationships with five realtors in local top realtor offices.

I've received lots of cards from people who want to win a free mortgage payment. My goal is to have at least three hundred contacts in my database. I'll contact them at least once a month with newsletters and other special notices. I also plan to do volunteer work at the local Chamber of Commerce, and make a charitable donation of $100.00 for every loan I close.

Using my Myers Mortgage Sweepstakes, I've obtained open house leads for my realtor partner, Shannon Carver and myself.

Visitors were sometimes reluctant to sign Shannon's guest book, so I created a Mortgage Sweepstakes flyer for them to fill out. I told them that we would be having a drawing for a free mortgage payment, and that I'd contact them by email so they could see the winners. We only had seven visitors, but five of them signed up. Now we both have leads with email addresses, and I have better opportunity to compete with other brokers.

My realtor partners take their clients to my website to complete the 1003 and disclosures. They also use my site as a learning tool to help educate their clients and prospects. They frequently access my Daily Market Update because they want to know the latest on what's going on in the economy and the mortgage market.

I truly believe that it is important to give back to the community. Product knowledge is critical and I spend a portion of my time each day learning about and keeping up with the constantly changing market.

I'm very dedicated. My phone and website are always on. My phone goes to my PDA and I check my messages after dinner every night. Sound work ethics are important, and so is my Myers website.

Visit Chris Casel at www.bayarealoanguy.com