If you are not using the Mortgage Coach, you are putting yourself at a significant disadvantage as a salesperson and a loan originator in this industry. Without The Mortgage Coach, you are not putting yourself in a position to subsequently create the type of value that is necessary to get rid of the rate from the subject matter, and maybe more importantly, to be able to dive down deep enough in the relationship to where you can make the type of margins that we all want to make.

If you're using the Mortgage Coach correctly, you can do 50% fewer loans and still make the same amount of money that you would be able to make if you weren't using it, just because of the type of advice and service that you're providing.

The most important thing that an originator does is answer one question: How am I different than the average loan officer? The answer is: The Mortgage Coach is the best tool out there to accomplish this.

The Mortgage Coach is a phenomenal tool. You have to separate yourself from your competition. Right now competition is greater than ever, and if you have an opportunity to be in front of a customer with The Mortgage Coach documentation and presentation tools, you're going to blow away your competitor, end of story.

The part of The Mortgage Coach that we use the most is the Equity Repositioning Analysis, and it really flows into a whole business philosophy we developed around a service I call Equity Management.

The most powerful benefit for us is when we work with financial planners trying to differentiate ourselves from the thousands of other mortgage loan officers out there, and we use The Mortgage Coach to position ourselves as Mortgage Planners.

The Mortgage Coach has created results for me that have gone way beyond my expectations. Because of the lasting value, my customers come back time and time again and literally buy into my client-for-life strategy because of The Mortgage Coach.

At one point, my client's going to say, "Okay, Tom, I understand what you're saying, but really prove it to me. Show it to me." The Mortgage Coach is the best tool that I've ever found to make my financial advice tangible to my clients. By using The Mortgage Coach, I allow my clients to walk away with my advice on paper, presented to them in a format that makes the value of my advice obvious.

Dave Savage's white paper "Demystifying the Negative Amortization Adjustable Rate Mortgage" is a must-read for every originator! Option ARMs have long been a misunderstood product, and loan originators have traditionally done a very poor job of educating their clients on the program's benefits. As loan originators, we have a fiduciary responsibility to make sure that we are not placing our clients into loan programs that are inappropriate for their long-term financial well-being. This document succeeds in ensuring that the originator is comfortable with how explain this loan product. More importantly, it does an extremely effective job of clearly defining the type of customer that you should be suggesting this loan to. For those that think that Option ARMs are for everyone, think not! Hats off to you, Dave, for educating the mortgage community!

Last year, 42% of our business was repeat clients. It's not uncommon for us to have transacted with each customer in our database anywhere from two to five times. We send clients between 12 to 14 e-mails of value-added information after they close, do 90 day follow-ups, and perform an annual equity review with an Equity Repositioning Analysis.

I use the Total Cost Analysis Module every time-especially if they're coming to me with prepared estimates from other people and they're heavy rate shoppers. A doctor who had paperwork on a specialty loan just for doctors-zero down, 30 years with no points-came to see us. She was a heavy rate shopper when she got to us. She saw loans and loan officers as commodities who were not relationship driven. But we got her business with a mortgage planning approach using the Total Cost Analysis report. She went with us.

Loan officers view themselves more as commodities, as delivery mechanisms and not creative people who can read between the lines. A Mortgage Planner is someone who has taken the time to read and research, is fiscally literate, understands how money works, and knows how to advise their clients. They are constantly learning-attending seminars and reading about money management, market situations, and trends. They tend to be a richer, deeper source of information than a loan officer."

Being a mortgage planner keeps me thinking at a higher level-more of a planning level. I'll say to my clients, " I understand. What you want to do is pick the best overall mortgage from a "total-cost" perspective. You want to make some intelligent financial decisions for your particular needs. You don't just want a good faith estimate; what you want is this." Then I show them something completely different than what they've seen before. It's a different conversation than what the typical Loan Officer is having. I have completely changed the game on my competition."

…I start by saying, "We can do anything from a super-adjustable ARM to a super-safe 30-year fixed. We have the full variety, but I need you to come in so we can figure out which one's best for you." Then I show them on my computer the different ways to structure the various closing costs. Once they pick a structure, they're usually not as worried about what the specific costs are, or what the specific interest rate is.

…I also use the Total Cost Analysis report to defend myself from rate shopping, I've been very good at having clients not shop me on price because I'm able to show the difference between three different kinds of loans, rather than show them the same loan with three different sets of points and fees. A lot of my competitors will send out good faith estimates that have points and fees on them with a particular interest rate. Many times, I won't put any points and fees on the report at all-I'll just show the difference between the structures (a 30-year, a five-year ARM, a one-year ARM and an MTA ARM) and help them understand the mortgage decision in general. Only after they've become my client do we go into a conversation about specific closing costs and fees.

I've had great success using the Rent vs. Own report to help people who are reticent about buying right now. In fact, I got an e-mail from a Realtor saying that someone I'd consulted with was making an offer to purchase a home the day after I'd showed them the Rent vs. Own report. They were able to see that the real after-tax cost of buying, after incorporating even a small amount of appreciation in real estate, was actually less expensive than maintaining their current rental plan."

We have a very competitive market in Denver. By being Mortgage Planners, we've been able to position ourselves as industry experts. We're no longer competing in the commodity trap. With only 160 loan officers in our company, we were able to go from 25th to 12th, nationally, in one year. Meanwhile, overall industry production was down 20%. I credit my success to the value of the advice and services I deliver.

This is my purpose statement: I am dedicated to helping you make the most informed mortgage decision possible-one that integrates your personal financial plan with major life goals like retirement and wealth accumulation. A mortgage is not just a loan, it is one of your most important financial-planning decisions.

I sleep with the Equity Repositioning Analysis under my pillow. That report is the life-blood of my practice. It takes complicated data with many variables and presents a very simple solution that's easy for homeowners to understand.

The amount of referrals we're getting is sometimes overwhelming. It's interesting; when you change a person's belief system-a person's paradigm-they tell everybody. When we show the benefits of mortgage planning, our clients talk about it-and the quality of the referrals that we've been getting as a result has grown exponentially.

A dear friend of ours who is also a client of my wife has been going through a very difficult time lately. Her husband is dying of leukemia. They have two young girls and the wife is very concerned because although her husband is a great breadwinner and provider, he's no longer able to work as consistently. They have a big, beautiful home in a very nice part of Colorado. They were going to sell their home, buy another for cash, and put a few thousand dollars in the bank. Fortunately, she came in and we did some mortgage planning. I showed her the Equity Repositioning Analysis. We put 20% down then took several hundred thousand dollars and put it in the hands of a qualified financial planner, who built a plan in which the children could have college educations. The mortgage closed, but about a week later the wife called. She proceeded to tell me that for the first time in 15 years, she had a good night's sleep. She said that it was because of the mortgage planning that we did-because I was able to show her with the Equity Repositioning report how her family would manage if her husband were no longer there to take care of them. Had they followed the conventional advice that her whole family was giving her, she would probably have lost everything in four or five years. Our advice changes lives.

What the difference between a loan officer and a Mortgage Planner? It's the difference between a salesperson and an expert. A salesperson may use different arguments but will always offer the same solution to every problem. An expert takes a holistic view of the client's profile and offers expert advice, as well as a solution based on that profile.

The Mortgage Planning mindset has shifted me away from the rates and fees business and into the consulting business. It puts me in a great position for consultations so that clients trust me more. As a result, I make more money and my client saves more money-a win for both parties.

A gentleman from Italy came to the area to buy a home. He had already talked with two mortgage people and begun plans. After our conversation, he chose a completely different loan bracket than he had originally planned. As he was leaving my office he said, "Drew, don't take offense at this, but when I came in here, I thought you were going to be just like every other mortgage broker. I thought you'd tell me what the rates and fees were and have no value. But you taught me more today than I ever thought I could learn about mortgages." This experience really opened my mind to what being a Mortgage Planner is helping me do for my clients.

I think the Total Cost Analysis is the best report for loan officers to use. I use it all the time. From there, you can leverage the conversation of the term reduction-the additional payment toward the mortgage, the tax benefits of that mortgage down on the bottom section of page one. Those are huge, and those are common with every client.

All my clients come from referrals. I only market to existing customers and prospects I have a relationship with. If I know they'll trust me, I'll put them on RateWatch even if I didn't do the loan. The more people I put on RateWatch, the higher the chances are that I'll get their business whether now or the next time they need a loan on that property.

I've been hearing that a lot of people are down in numbers this year, but I had a good year. My gross revenues were up 15% from the previous year, and I attribute a lot of that to the RateWatch Report.

On refinance conversations, the Debt Consolidation Analysis is great. A new loan to pay off? Well, here are your existing liabilities. We're going to consolidate them into another loan, show the tax benefits in doing that, then take those savings and put them into debt reduction, early mortgage payoff, or an asset-accumulation account. That changes a client's thinking in a huge way.

The Rent vs. Own report is my strongest customer acquisition tool. It allows me to start building trust from the first conversation, and keeps my new-homeowner customers coming back again and again over their lifetime. In addition, because they see me as their trusted advisor, they become great referral candidates."

"We have almost 500 clients that we do an Annual Equity Review report for," says Kramer. "From January 1 through August 31, 2006 26 of those clients have transacted business with us, generating $101,000 in fees at an average of $3,800 per loan."

The Equity Repositioning Analysis report is the best report for showing the "before and after" of a home purchase. One of the key things we show is projected real estate value. The client understands that we'll be following a certain plan today, but we also discuss plans that can be pursued thirty days or 6 months from now. We show that our relationship really begins after the loan closes. Being able to illustrate that on an Equity Repositioning Analysis has given us a big competitive advantage.

Clients all come in wanting the lowest rate. Our job is to help them understand that there's more to it. They come looking for good service and competitive rates, but through better advice, education, and an integrated loan, we're able to have a value, rather than rate driven conversation that makes an impact in their overall financial picture. As a result, about 60% our business is repeat business. In fact, the typical client will conduct two to five loans.

Mortgage planning is looking at how a mortgage can be uniquely structured to help a client reach other financial goals. Most people hold the perspective that the ultimate financial goal is owning your home outright. We show clients that although that is an important goal, there are other more important goals. In many cases, by not making principal payments and instead accumulating your equity in a side account, you're actually in a position to pay off your home sooner. You'll also be better prepared for opportunities that may present themselves, or for when things go wrong. You'll have liquid cash to handle emergencies such as loss of a job, or illness. Mortgage Planning involves developing a strategy that helps clients understand how these goals can be accomplished, even if they never thought of a loan that way.

From the moment I began using Mortgage Coach's Total Cost Analysis, Equity Repositioning Analysis, Rent vs. Own Analysis, and the other reports, I began to realize the power that the Trusted Advisor role holds. I began to speak to my referral clients differently. I also began receiving referrals from happy customers who felt I gave them much more than a great rate. I began to tap into to my "inner Trusted Advisor." I now provide my clients with empirical data such as carefully thought-out product evaluation tables and accumulation schedules. I offer side-by-side comparisons of three to four loan scenarios in minutes. With The Mortgage Coach I have enhanced my ability to provide timely, comprehensive data that the customers realize is quantitatively and qualitatively better than anything else they have seen. They can see in minutes which loan best meets their needs and then can make an informed decision based not on funny numbers or simple GFE comparisons but on reality. The Mortgage Coach is powerful stuff!

The first time I used The Mortgage Coach, I was in a competitive situation with several local brokers and representatives from Internet companies. The borrower didn't want to talk with anyone on the phone-he completely wanted to make his decision based on e-mail correspondence. He seemed very much like the typical "rates and fees" shopper. I e-mailed him the Total Cost Analysis with three options. Thanks to The Mortgage Coach, the deal was mine! He chose my proposed solution even though one of the Internet companies quoted a lower rate. I collected over $4,200 in fees on the transaction, so The Mortgage Coach has already paid for itself!

I received The Mortgage Coach software on Tuesday, December 20. The next day at 11:00am I was using a Debt Consolidation Analysis report to lock a sale. The report itself indeed generated a real "WOW" response. The clients exact words were, "Wow! I've never seen anything like this before!" The annual savings of more than $22,000 was enough for her to stop seeking part-time employment. What's amazing is that I really did not yet even know what I was doing. All I knew how to do was decipher the report enough to use it to close a sale. I am looking forward to mastering this new approach to my business. Thank you so very much. An $895 investment returned over $14,000 in fee income in less than 24 hours. I can't wait to see what else unfolds....

If you don't have The Mortgage Coach, then get it. We call this tool "The Competition Killer" in our office (we joke about it). The Mortgage Coach allows you to put the offer in black and white, and unless the competition is also using The Mortgage Coach, it is hard for them to show the facts to the customer and compete like you.

Last week, I got a call from a potential client with the usual question: "What is your rate?" Sound familiar? He was buying a $465,000 house and wanted a $245,000 30-year fixed-rate loan. He had heard from another person that I was "creative." Turns out this other person was a referral from someone I had educated about The Mortgage Coach. Using my knowledge of mortgage planning, the miracle of compounding interest, my dazzling personality, my knowledge of The Mortgage Coach, and a simple appeal to his concerns about saving for his three kids' college funds while worrying about retirement for himself and his homemaker wife, I showed him a better way to meet his goals.

Since purchasing and beginning to use The Mortgage Coach 30 days ago, it has paid for itself several times over. I have taken the time to educate myself and my clients as well. I have had several opportunities to present the Total Cost Analysis to clients, demonstrating how different the GFE they had received elsewhere compared to mine.

In May I took three investment deals totaling $1.2 million off the desk of an "application taker" due directly to The Mortgage Coach's Total Cost Analysis and the ability to assume the role of a knowledgeable and trusted advisor. This is not an isolated instance; my clients appreciate knowing that their best interests are being served. I am a trusted participant in every aspect of my life, and The Mortgage Coach helps to solidify my commitment to providing exceptional service.

I am proud to say I cannot count the clients on one, or even two, hands who have seen the difference in the level of service that I provide through my use of The Mortgage Coach. I wish I had the time to go into detail about how I have "WOWed" my clients by using The Mortgage Coach.

Thanks for a great year! This was my second full year in the business and I took production from $22 million the first year to $36 million this year. I owe a lot to The Mortgage Coach. It really separates me from the competition. I refer as many loan officers as I can to The Mortgage Coach. Thanks again.

I am a huge fan of The Mortgage Coach because it quantifies and illustrates exactly why a refinance is worthwhile, why a particular structure is preferred, and why it makes sense to purchase a home. The Mortgage Coach transforms an emotional decision into a logical decision. When a loan officer can provide the "why" behind a mortgage decision and back it up with mathematics using The Mortgage Coach, he will increase his conversion rate by multiples. Thank you for all that you've done for my practice!

As someone who has been in the mortgage industry for 18 years, I can say that The Mortgage Coach is the best mortgage planning software on the market today. It is also the best choice for mortgage professionals who want to provide advice, not price, to their clients. The Mortgage Coach is easy to use, accurate, and robust. But most of all, it enables our clients to understand the results we present to them. As Mortgage Planners, we help our clients use their mortgage as a financial tool to achieve their financial goals. To effectively implement these strategies, we generally choose monthly ARMs to leverage our clients' cash and cash flow. With the variety of payment and interest rate caps, rate change dates, and recasting scenarios, we need to develop very sophisticated and accurate illustrations for our clients. Due to the complexity of these products we also need to illustrate our recommendations in very clear, concise, and understandable terms. The Mortgage Coach does all of this and thus drives our advice. Thank you, Mortgage Coach.

Thanks so much! I have been four-for-four in my closing ratio when I have used The Mortgage Coach analysis. This stuff really works! It's like having a turbo-charger in a car. On a recent deal, I sold three points and easily justified the ROI with The Mortgage Coach. The results are proof: an extra $1,258,000 in loans in the past few months.

I purchased the Mortgage Coach in October. In December, I purchased a license for all of my originators as a Christmas gift. When I gave them this gift, I guaranteed them that if they used The Mortgage Coach software with their presentation, their income would increase a minimum of 25%. At the end of the first quarter, our company's income per loan was up 28% over the same period last year.

I'm writing to you to say "Thank you" for the commitment that you and the team at The Mortgage Coach have shown to our industry. Within one month of using The Mortgage Coach, our production went up 30% to more than $1.5 million. I thought that was a big monthly increase. Boy, was I wrong. The third month in business using your strategies and tactics and adding value to other people's business with tools like the Total Cost Analysis and the RateWatch Report, our business jumped to more than $2.5 million. But that's not all. Our bottom-line dollar has increased as well. We've not only been able to attract the tougher clients with the jumbo loans and large loan amounts, but we are actually showing them how they can build wealth (in conjunction with their financial planners, whom they insist we meet)!

Our third month we did $2.8 million, and now in our fourth month we are on track to do $4 million! I wish I could put into words the impact your advice and strategies have made on our business both financially and otherwise. The tools available in The Mortgage Coach are so simple to use and understand that clients actually feel bad if they don't go with our advice. With The Mortgage Coach, they really feel like they have all the information they need to make a sound decision about their loan. They also feel like they are the ones making the decision, not us.

But there's more. Not only are we making more money on each loan and are the loan amounts higher, but we are now spending less time working. We're actually able to achieve that work/life balance that everyone talks about but never really achieves! If anyone is thinking about how to run a more efficient business by leveraging time and increasing margins, The Mortgage Coach is it! There is no better tool in the industry to help clients:

• Focus on the their values
• Crystallize their objectives
• Discover dangers, opportunities, and strengths
• Strategize and plan, and
• Act decisively!

The Mortgage Coach is simply the best tool in the loan officer's arsenal. It has helped increase my business more than 30% by helping to increase the level of trust and rapport I build with my customers. It immediately helped me differentiate myself from everyone else in my marketplace, both with my customers and among my strategic business partners, directly increasing the number of referrals I receive.

I've been using The Mortgage Coach for almost three years. The tools are comprehensive and easy to use. I especially like the simplicity of e-mailing the various analyses. These enable my clients to see and instantly understand which financing option is best for them. I use the Total Cost Analysis primarily to establish credibility with my clients and to close deals. Then by mailing the monthly RateWatch Report to my clients, I retain my Trusted Advisor role and get repeat business and referrals. Since most people are now buried in consumer debt, I plan on using the Debt Consolidation Analysis a lot more. The Mortgage Coach allows mortgage professionals to have the "Midas touch" and to improve their bottom line.

I have just recently renewed my subscription to The Mortgage Coach. Three years of using The Mortgage Coach has made a tremendous impact on my business and confidence. The reality is that not that many mortgage consultants use this tool to advance their knowledge; they rely more on their experience to get business. Experience is important, but focused experience is like traveling first class. And the Mortgage Coach is first class! The biggest advantage for me has been the ability to approach financial advisors and CPAs without fear! I can now show and explain to them the difference between a mere loan officer and a mortgage consultant. Thank you for the great support. The Mortgage Coach is like the American Express slogan, "Don't leave home without it." In this case, "Don't leave the office without it!"

Plain and simple, I couldn't function at the level of service that I strive to provide without The Mortgage Coach. It's not an optional tool for me. It is part of my tool kit, just like Calyx Point, my computer, or my mobile phone. I use it with virtually every client, both new and established. It helps elevate my presentation and service far beyond those of my competition. Based on the number of loans I have closed using The Mortgage Coach alone, I would pay several times the sticker price. Simply put, I couldn't function without The Mortgage Coach. Keep up the good work!

The Mortgage Coach has been a very influential part of my process with my clients. I can honestly say that using The Mortgage Coach has played a large role in doubling my profit per loan over the years. Also, it has been essential in my creating a platform on which to explain my advice to each and every client. Every mortgage presentation is built around The Mortgage Coach. No one gets my advice without a Mortgage Coach analysis!

Years ago I built an Annual Review process that is completely built around The Mortgage Coach software. My Annual Review process has been generating an additional $30 thousand of revenue each month for years!

I have been in the mortgage business for 20 years. In that time I have originated nearly 6,000 loans, built a very successful mortgage practice, sold my mortgage company to a large financial planning company, have amassed a cash net worth of nearly two million dollars, and most importantly have earned the trust of thousands of clients in the marketplace. In my opinion, for a serious Mortgage Planner to NOT have Mortgage Coach is pure folly! I can't begin to tell you the return I have received on my investment. I can tell you that my investment was handed back to me manyfold in my first month many years ago.

I honestly believe that one of the reasons that I am a multi-millionaire today is The Mortgage Coach. I believe that everyone in the mortgage industry should make the ridiculously small investment in The Mortgage Coach, plug into their network, and begin to build an advice-oriented mortgage practice.

If you do this, then you, too, will begin to develop a real mortgage practice and begin to enjoy the fruit of your labors. The only alternative is to be a commodity each month and wind up in the loony bin!

I have been in the loan business for about six months and have had great difficulty getting a satisfactory flow of referrals from the Realtors I was servicing. I thought my Realtor presentations were very well done and professional. Yet the feedback I received was basically that I presented nothing new. They had heard it all before. I knew I needed to make a change. But to what? A co-worker gave me Dave Savage's article called "The Art of Referral." I read it, visited The Mortgage Coach's website, and got a demo. I was very impressed and decided to give it a try. I have been going full speed ahead ever since.

I wanted to commend you for developing a drop-dead winner that allows me to differentiate myself in today's difficult market. My new ability to actually show clients and referral sources the difference my advice can make in an easy-to-understand manner is the critical component of my success. It is at the heart of my new value proposition. The Mortgage Coach reigns supreme, and I hope that all my fellow loan officers enjoy the success it brings. Thank you, Mortgage Coach.

I discovered the power of The Mortgage Coach the hard way. I was looking at an adjustable 3/1 ARM for a client but was having trouble modeling it with my spreadsheets. I was not able to come up with anything for the client because it had just adjusted to a very competitive rate. I told my client that I had very little to offer that could compete with what he currently had but that we should talk in 12 months. When I got The Mortgage Coach few weeks later, I was able to characterize this as a one-year adjustable and use the custom interest rate adjustments to model it over the next three years. To make sure I did it right, I printed out the amortization reports. That's when I realized that a 2-1 buydown would save my client money every year at a fairly minimal cost at closing. When I presented this great opportunity to my client, he had just refinanced with someone else. If I had purchased The Mortgage Coach just one month earlier, I would have won his business.

I would like to thank you for developing The Mortgage Coach. The Mortgage Coach and LoanToolbox combined have been my biggest asset. I have been in this business for only four months, and I realize now that without these tools, I would probably not make it past the one year mark. Thanks.

I worked for twelve years in technology sales. I was responsible for global accounts, regional sales management, and national account roles for Fortune 100 companies and tech start ups. I cut my sales teeth in a highly competitive space-one that is fast-paced, demanding, and requiring a high degree of product expertise. In that world, the number one characteristic of any product my clients sought was a defined sustainable competitive advantage for their organization. I was the guy who helped them find it in my product.

Then about three years ago a close friend of mine and I began originating part time in the retail mortgage industry. We worked in an outbound autodialing boiler room environment for a broker who worked a simple plan, one that demanded persistence and bottom line costs savings to cold called customers. It was purely a numbers game. The hours were late and the stress was high. But the rates were good, so business was fairly easy to find, even for a beginner like myself.

Over time the market changed to a professional's market. Retail mortgage companies, it turned out, were very similar to my old clients-they all need to find a way to stand out. As a loan officer, defining oneself is often impossible-especially for the typical cold-calling refi guy. Today, the benefits of loan officers are vastly tougher to define. Most pitches sound alike, and billboards make every loan officer a rate pusher. Unless a loan officer chooses to change their professional habits, it it's now almost impossible for him them to stand out in highly competitive market place.

Thankfully, the first product I investigated and used as a licensed loan officer was The Mortgage Coach. I was introduced to it at a special one-day seminar. Owing directly to what you had to say, I realized that there was a better way to sell loans and build lasting customer relationships than the way I had been taking. That day, the trusted advisor in me was born. Thank you for assisting me in changing career paths and finding success quickly and efficiently by redefining who I was in this industry.

From the moment I began using The Mortgage Coach's Total Cost Analysis, Equity Repositioning Analysis, and Rent vs. Own Analysis together with their respective reports, I began to realize the power that the trusted advisor role holds. Not only did I begin to speak to my referral clients differently, but my clients felt that I had given them much more than a great rate. But that's not all. I also began receiving referrals from my happy customers. I now provide my clients with empirical data, well thought-out product evaluation tables, and accumulation schedules. In mere minutes I can offer side-by-side comparisons of three to four loan scenarios. In short, I've begun to tap into my inner trusted advisor.

With The Mortgage Coach, I have enhanced my ability to provide timely, comprehensive data that my customers realize is both quantitatively and qualitatively better than anything else they've seen. In minutes, they can see which loan best meets their needs and then make an informed decision based not on funny numbers or simple GFE comparisons but on reality. That's powerful stuff!

After my rookie year as a part-time loan officer, I transitioned my career from tech sales to retail mortgage. That same year, I beat my friend's rookie numbers-no small feat, since he had been named rookie of the year for the fifth largest mortgage broker in the country. I can attribute a great deal of my success to the tools and information that was provided to me by The Mortgage Coach and the outstanding industry leaders who preach the winning tactics that The Mortgage Coach offers its users. Your information in the Resource Center is amazing.

I will never be without my Mortgage Coach software on my laptop. It is a cornerstone of my business. I have you and your outstanding employees to thank. Please keep doing what you're doing. I'm an advocate for life and now a life-long trusted advisor.

In my eyes your product, the customer service, and follow-up training you provide to your customers is second to none. You have helped redefine my career in the mortgage industry, and I have the feeling that your outstanding approach will help thousands more loan officers step into trusted advisor roles in their communities.

I own The Mortgage Coach and have used it to kick-start my mortgage career. I love your product. I love your company.

Many of my clients have great 30-year fixed rates and are your normal W2-type borrower. I was very proactive during the last refi boom and was constantly doing no cost refis for them as I took their rates down.

But these are "cause-driven" times, not rate-driven. What I am realizing is that in the realm of equity management I need to develop a more sophisticated clientele. In other words, I need to upgrade my clients. The knowledge I have gained in the past 18 months by using The Mortgage Coach is opening doors into the financial services world-doors that I never tried to open before. It's actually been quite easy. All this education is paying off. I am nailing every appointment I go after, and my Equity Management Strategies seminars are starting to change my clients' thought processes. Now I am poised to reach my goal of getting that sophisticated clientele-the clients of financial advisors.

Now that my confidence level is way up, I am considering doing a seminar for the advisors just to get more exposure in front of them. I am going to start in January, giving it twice a month through October. I want them to send their clients to get educated! The seminar venue exists so that financial advisors have a place to send their clients to get educated. I have given my seminar three times now and have had 10 to 14 people at each one. I can definitely see the power in them and will happily continue them.

I am truly learning patience in all this. This direction takes a while, but it is very satisfying to help people and impact them positively. I am building a very solid foundation, and it feels great. The RateWatch is a nice touch. It's great to send to people, and financial advisors love it. I use the Equity Repositioning Analysis in my seminar because it is so clear and easy to understand. Great tools! You are brilliant! Keep up the good work!

I purchased The Mortgage Coach three months ago. After several months of using The Mortgage Coach, my passion for your product remains high. I have been in the loan business for nearly four years and was in a related field for 15 years before that. The first year in the loan business, I worked as a loan assistant. After attending Todd Duncan's High Trust Sales Academy, I decided that I was not cut out to be a loan assistant, and made the move to loan origination. Duncan provided the idea that sales were based on relationships and that selling loans should be integrated into an individual's long- and short-term financial goals. Duncan was great on theory, but I had trouble applying his principles.

The Mortgage Coach has enabled me to put Duncan's theory into practice. I can't tell you how important this has been for me. I only wish my reticular activating system would have picked up on this sooner!

The reports work extremely well. Furthermore, the conference are fantastic. I have gleaned valuable information from each and every one of them.

Now for a confession. As far as I know, I am the only loan originator among the twenty in this office who is using The Mortgage Coach! I know you would like me to get more folks on board, and I will. But I must confess that I am a little pleased that I am the only one here that has differentiated myself this way.

Thanks again. This has been a fabulous product for me, and I look forward to using it for many years to come.

I just joined The Mortgage Coach and I am extremely impressed. I only wish I had joined sooner. This program should be mandatory to any new originator in the business. Thank you so much to your contribution to the profession and to me personally. I have and will continue to learn by leaps and bounds. It is because of The Mortgage Coach that I will become a top producer.

I have had The Mortgage Coach for a few months and love it. I always feel like I have a powerful tool backing me up. Personally, I wish I had known this long ago. I could have saved myself a lot of trouble when I was trying to buy a home. The problem was my equity...it was trapped in my current home!

I have had The Mortgage Coach for only one week now and yet I have been able to land three appointments with financial advisors. At one appointment I spoke to 20 advisors for an hour during their weekly sales training! It all happened because I contacted the Field Vice President and showed him how my advice-not just rates and fees-will benefit their clients. I handed out samples of the three reports and they were all blown away!

There is always an excuse for not getting something that may or may not help. I did not get the Mortgage Coach for months because of money strains and family issues. Well, I broke down and bought it, set it up, spent a weekend putting client information in it, and learning the program. In the first week, I sent out 30 initial letters to old clients that I lost touch with just to see what would happen. I didn't think much would happen since they were sent out one week before Thanksgiving. The Monday before the Thanksgiving holiday, I received 2 calls from clients and they want to refinance. I received two more calls for invitations for Thanksgiving. I ate all weekend for free and have leftovers. I also prospected for more clients and have two other potential deals. By Christmas, at least two deals will close, two other clients are thinking about closing deals with me, and the others may wait until after the holidays. Either way, The Mortgage Coach not only brought me more business but brought me closer to my clients and made them friends. Building relationships is what this business is about, and that's exactly what The Mortgage Coach has helped me do.

Just a quick note to let you know that my copy of The Mortgage Coach Professional paid for itself after just two weeks. I e-mailed a client a debt consolidation proposal along with a matching GFE and originated the transaction. Better than that, my client's financial planner is interested in working with me on future deals with similar clients. My borrower had $65,000 in consumer debt accumulated from higher education costs. I was also able to keep my client from shopping me and earned more commission to boot. Thank you. I'm just getting started.

Thank you for developing The Mortgage Coach. I used to do an hour of work to try to present to my customer what I've discovered The Mortgage Coach produces in minutes. Besides, my hour of work resulted in what was a mess compared to The Mortgage Coach reports. Thanks again. You're the one who's probably kept me in this business.

I did a "rehearsal" presentation, on a conference call, with the other members of my Strategic Equity Mastermind Group two days ago. Since none of them are skilled at The Mortgage Coach (although most of them own it) they enjoyed it and asked a lot of good questions.

Thanks! It is always nice to get independent confirmation of what you believe in. I have had The Mortgage Coach for a few months and I love it. I always feel like I have a powerful tool backing me up. Personally, I wish I had know about The Mortgage Coach long ago-I could have saved myself a lot of trouble when I was recently trying to buy a home. The problem was my equity...it was trapped in my current home! Thanks!

I've been enjoying the conference calls you put on your website. I rip them right onto my iPod® and listen to them when I drive. (Driving is the best time for training!)

Anyhow, I wanted to put something out there and see what you thought. You may already be working on what I'm going to suggest, but I just thought I would mention it anyway. I love all the reports we can put together in The Mortgage Coach. I would like to see us be allowed to manipulate them a little more though-not so much from a numbers standpoint but more from a cosmetic one. I would love to be able to add my company's logo, for example. I want to be able to personalize it a little more.

I've also had a few people comment on the amount of data on the reports. Some of the reports can get pretty busy. We need the facts and figures but sometimes some of the pre-populated data gets in the way and can be distracting. I would like to be able to remove the "Follow these 3 simple steps" portion of the report. If I'm there in person with them, I can explain it and the instructions wont clutter up the page. The Total Cost Analysis report can look pretty intimidating to some of my clients when I am comparing four different loans.

I hope my suggestions will be helpful in the continued development of this great product. Thanks for listening.

Sending RateWatch regularly and consistently helped me win 48 transactions last year, totaling $9.2 million in personal production and valued at more than $135,000 in commissionable revenue.

One idea in particular has been incredibly effective: using the RateWatch report. It is the single most valuable marketing strategy for reaching past clients and for adopting "orphaned" clients. Just this past week, I mailed RateWatch reports to 20 "orphans" and received three phone calls, converting two of them to loans. What a great way to grow my database and income simultaneously!

The number-one response tool I use is the RateWatch report in The Mortgage Coach. Ron Quintero advised me to do this over a year ago, and it continues to be the best way to connect with clients. It tells them how you want them to continue to be successful with their mortgage.

I signed up for The Mortgage Coach about three weeks ago. With this tool my clients and referral sources are already beginning to understand more about their loans and options. It is simple to use and really shows clients many things: It shows them how to restructure their debts to maximize tax benefits. It also shows them the total cost of any loan based on a specific length of time in the property. Furthermore, The Mortgage Coach helps clients understand asset accumulation and reduction and many other important facts about their loan options. I believe that The Mortgage Coach is the first step toward helping clients rely on a service that they will want to experience on a regular basis.

From a certain perspective, the best thing is that not many people are using The Mortgage Coach in our region. This means that we are automatically differentiated from our competition in the marketplace as mortgage advisors. This results in our having customers for life.

RateWatch Report is a great tool, but one that I didn't take advantage of until recently. I had dragged my feet for months without implementing it, thinking it was going to be a big investment of my precious time. Then I did a few minutes of research and realized how easy it was to export from Calyx® to The Mortgage Coach. This prompted me to finally implement it. I came into the office 30 minutes early each day for a month. In that time I updated my entire database.

We send RateWatch to our client every six months and follow it up with a phone calls a week later. My clients have received this attention with great appreciation. I am telling most of my clients that they are in good shape for the time being but that we will continue to monitor their loan free of charge. Then when there is a dip in rates or an opportunity for a client to refinance, it will not feel like I am soliciting-they will know I am looking out for their best interest.

We have also implemented a page 5 review with each follow-up call. The willingness of my clients to give me names of Financial Planners and accountants has been amazing. Setting up meetings with them is the easiest thing I have ever done.

I have even started using RateWatch and our Annual Mortgage Review as part of my UPS to prospects. Without a doubt, it has improved my conversion ratio.

My only regret is not starting to do this nine months ago when I purchased Mortgage Coach. Thanks again for such a great product!

After going back and forth for several months trying to decide whether I should spend the money and buy The Mortgage Coach, I finally took the plunge last week.

We wanted to see what would happen with a small sample size, so we sent out 100 RateWatch reports. I now have 16 new loans worth $3.2 million in my pipeline as a direct result of that mailing. One of my past clients is refinancing four of his investment properties as well as his own home. Another client is buying a second home. Eight of my past clients are refinancing their primary homes. Another of my past clients brought the RateWatch report into work, showed the report to two of his co-workers, and then referred them both to me to do the financing for their new homes! With The Mortgage Coach, I can more effectively farm my current database for more loans.

If you are on the fence right now about purchasing The Mortgage Coach, don't repeat my mistake and wait for months. Just go ahead and make The Mortgage Coach an integral part of your mortgage planning practice.

I just sent out 300 RateWatch reports this month. I have already taken four new loans this week, and couple more are in the works. All of them are cause-driven refinances. These were loans I would have never seen without RateWatch! Thank you!

RateWatch. Wow. I keep getting great feedback on it. A planner with a large corporation who has about $125 million under management just sent me a list of every client of his who financed with his company. This was the result of me merely showing him an example of RateWatch and talking about the system briefly over lunch. My value add has led him to use me instead of his corporation's own professionals… He is calling two of his clients this week for me to make an introduction. My mind continues to race with all the possibilities.

The first time I used The Mortgage Coach, I was able to help a borrower recognize the power of utilizing their mortgage to create wealth. I freed up a positive cash flow of $804 a month for them-even after taking $22,000 cash out of their home for their IRA. The Mortgage Coach allowed me to present the material in an easy-to-follow manner, showing the client future wealth. It has paid for itself seven times over.

Myself and my partner have been using The Mortgage Coach Professional for a few months now, and it has been a huge help in our office. Before The Mortgage Coach, all we used to track our past clients was a bunch of old, unorganized folders in my desk. We had no sense of where our borrowers were with regard to their loans or whether there was any chance for repeat business or referrals from them. Now not only are we much more organized, but we utilize the RateWatch module on a monthly basis to generate new business. Since we have begun using The Mortgage Coach, we have had about six referral loans funded that I believe we would not have won otherwise. The Mortgage Coach has really stepped up our business. For us, The Mortgage Coach has been the difference between two or three loans a month and six or seven loans a month.

Simply by using The Mortgage Coach RateWatch report and Total Cost Analysis as beginning points for Mortgage Planning conversations, we do on average 100 loan per year from past clients and client referrals.

I was looking at a credit report of a client recently. I am currently in the loan process with him for a home for his daughter. In reviewing his report, I noticed he has some debt in addition to a current mortgage. I called the gentleman up and asked him what his rate was on his current mortgage. He told me, and I said, "I tell you what I'm going to do. I think I can show you how you can save money every month by restructuring your debt. Let me work up a sheet and call you back." I went to The Mortgage Coach program and started putting the information in while going back and forth on the initial training video. Once I had entered everything, I noticed that I could save my client $500 a month. I printed out the sheet and showed him the Debt Consolidation Analysis worksheet along with the Equity Repositioning Analysis worksheet. He said, "Sure! It makes sense to me!" This goes to show that we don't even need to know how to fully use the software to start making money with it!

When I returned from a free training event for Mortgage Coach Members in Las Vegas, I used the Equity Repositioning Analysis report to show a buyer that we would increase his liquidity and cash flow by increasing his loan size and paying off two car loans. The resulting $1.2 million loan is my personal record-well over five times higher than the average loan amount in my market, North Carolina. It keeps my personal streak alive: I have yet to show a borrower an Equity Repositioning Analysis report without getting the loan-nearly 20 times now since last year. I will be using it much more often.

I wanted to relay to you the story of my first experience actually using The Mortgage Coach. I purchased the software on a Friday. That afternoon, before I had a chance to open the software, I met with a client. He had an ARM at 4.75% with two years before his next adjustment. He had a car loan with $15,000 outstanding and about $17,000 in credit card debt. I told him there was no reason for him to refinance, and no value in it.

That weekend I opened the software and ran his scenario through the Equity Repositioning Analysis module. The analysis showed a monthly cash flow chance of $400 with a consolidation into a conservative fixed rate. When invested at a return rate of 8%, he would be debt free in 16 years and a millionaire in 28 years. I was blown away.

I called him on Monday, and asked him to come back in. When I presented the results of my analysis (clumsily and un-rehearsed) to him, he sat silently for a while…as did I. What happened next was a shock to me. His exact and concise response? "Wow!" He then asked when we could get the paperwork signed.

In one appointment-which was my first presentation using The Mortgage Coach-I transformed a several-hundred-dollar investment in Mortgage Coach into a $4,000 commission, got a chance to send my client to a financial planner for investment assistance, and gained an advocate who has since referred his sister to me for a refinance. Thanks for creating a referral powerhouse.

I am thankful to Dave Savage and the staff at The Mortgage Coach for making me different from my competition. As someone who has been a loan originator for just about a year and a half, I have used The Mortgage Coach to stop myself from becoming another commodity. Thanks to this software, I've become a valuable, trusted advisor to every one of my clients! I no longer originate a loan without using The Mortgage Coach software. The Mortgage Coach has allowed me to take care of my clients even better than I did before, and it has increased my revenue per loan.

Simply put, if you are not using Mortgage Coach, you are leaving tens of thousands of dollars of additional revenue on the table. In July of 2006, a relatively slow month in the industry, I created an additional $21,000 in gross commissions by using The Mortgage Coach. The Equity Repositioning Analysis accounted for at least 80% of my additional revenue that month. With my prospects, it is no longer a question of whether they will use me to do their loan or not-I earn their trust once they see my professional spreadsheets, which carefully outline the approach we will take with their financing.

I have generated more referrals for my CPAs and financial advisors, greater monthly savings for my clients, and more revenue and a higher closing ratio for myself-all as a result of using The Mortgage Coach!

The mortgage marketplace has turned into a battleground where there is less "low hanging fruit" and where there is fierce competition everywhere. A mortgage professional without The Mortgage Coach software is completely unarmed in this battle. Whether you have been a mortgage professional for 15 years or 15 minutes, arm yourself with this powerful tool and you will win.

I thought I'd let you know that using The Mortgage Coach Professional alone I grossed over $21,000 in commissions last month.

[He's young and a first year MC user. He attributes the 21K he earned in July directly to ERA, fin plnr's. (That's 21K above and beyond his usual personal production). In the spring of this year he said he was getting purchase business from Realtors simply by educating them about the Option ARM and illustrating the 4 pymt options on TCA.]

Here are several recent examples of Mortgage Planning utilizing Mortgage Coach.

I recently helped a family achieve their dream of purchasing a vacation home. The couple had planned on waiting to acquire either a vacation home or a second home at retirement. However, after attending my educational seminar on creating wealth through real estate and I conversed with them about how to acquire their dream home today, they came to meet with me. We used the Equity Repositioning Analysis module to improve their monthly cash flow by approximately $1,700 per month. They took the savings and purchased a $469,000 home in Durango, Colorado.

We were recently contacted by a retired couple whose son had become disabled. They were panicked by the prospect of not being able to pay for a home for him on their retirement income. We did an Equity Repositioning Analysis to access some home equity so that they could have a down payment, pay of some consumer debt, and so forth. We lowered their payments by $735 per month. The new payment on the home for their son was $698 per month. We helped them get a home for their son without increasing their monthly payments.

Another couple recently attended our class on wealth creation through real estate. They had two kids who were preparing to go to college. By using an Equity Repositioning Analysis and a Total Cost Analysis, we showed them that they could purchase investment properties near the university and their kids could get their friends to rent rooms and pay for the investment homes as opposed to paying dorm rent. We helped them enhance their net worth and minimize taxes as opposed to losing money by renting.

A couple came in to talk with us after a wealth creation through real estate seminar. They had purchased some land in New Mexico and were planning on building a retirement home in seven to ten years. They said I made it sound too easy in my wealth creation seminar and challenged me to help them achieve their goals of building their dream home today as opposed to someday in the future. I conducted an Equity Repositioning Analysis and refinanced their home, paid off some consumer debt, paid off the REC on their land, and netted them approximately $40,000 cash. In addition, I set them up with a new loan for $330,000 so that they could build their dream log home. The end result of Equity repositioning and Mortgage Planning was that not only did they get their dream home today but we improved their cash flow by $850 per month. They could not believe that they could have their dream home today and save over $10,000 a year.

I just helped another client who attended our Wealth Creation seminar with an Equity Repositioning Analysis so that they could go to Scottsdale, Arizona and purchase a new home on the golf course with the equity in their current home. The home was given to their parents to use as a retirement home. The benefit to my clients was that they helped their parents and they also locked in the cost of a vacation home in Scottsdale in today's dollars not 2015 dollars.

By means of an Equity Repositioning Analysis, I just helped another client to improve their monthly cash flow by more than $1,300. I showed them how to take the monthly savings and build a substantial investment over the next ten years, increase their mortgage interest expense, minimize their taxes, and enhance their net worth-all simply by shifting and repositioning money.

Using an Equity Repositioning Analysis and a Total Cost Analysis, I helped a man compare a 30-year mortgage to a 15-year and evaluate the benefits of choosing a 30-year. I showed him how to take the 30-year fixed-rate mortgage and invest what they saved by choosing that mortgage in an investment account. Due to compound interest, his investment account would grow faster and be more beneficial to him than him paying down a tax-favored simple interest mortgage. More importantly, he, not the bank, retained control of his money.

I have hundreds of examples and stories of how we have educated and empowered our clients to make informed decisions regarding their money and mortgages. We have done all of this by using Mortgage Coach. As a result, we have dramatically impacted the lives of our clients.

In addition, I have never originated an Option ARM loan for any client. We have used other traditional financing alternatives. More importantly, we have always put the clients interests ahead of our own. As a result, I have received hundreds and hundreds of cards, letters, and thank you notes from our clients expressing their sincere appreciation for our efforts.

I would like to thank you for being a part of changing my life. The Mortgage Coach has enabled me to network with strategic partners in a whole new arena. The Total Cost Analysis in particular has been a great tool. It knocks my partners off their seats. It's very easy to understand, and the information is informative, priceless, and fits perfectly into my presentation. To put it simply, I'm 5-0 so far in meetings in which I've used the tools in The Mortgage Coach.

Using the Total Cost Analysis with a client last night, I was able to show him the value of doing an 80/10/10 as opposed to a 20% down, built a tie-in with his planner to drive business to the planner, and knocked his socks off with hard numbers. Thanks to you, Mortgage Coach!

The Mortgage Coach was instrumental in helping us close 220 loans this past year. We make sure that every client receives the reports from The Mortgage Coach. The Total Cost Analysis displays the total costs of various programs in a manner that's easy for clients to understand. Given the great feedback we've received from many of our clients, we'll definitely continue to include The Mortgage Coach in our loan programs going forward. I would encourage anyone not using The Mortgage Coach to seriously consider bringing this great system onboard.

By using the Total Cost Analysis and providing visual proof of the benefit, my customer was able to see the light. Without The Mortgage Coach, I don't think we would have ever completed this deal.

I have been winning a lot lately, thanks to The Mortgage Coach. For the past two years, I've simply been winging it using only the Total Cost Analysis spreadsheet. However, in the last four months I have become serious about proper scripting and have spent time watching the training videos on the Mortgage Coach website and using the Equity Repositioning Analysis and RateWatch spreadsheets.

What a difference that has made! I have increased my closing ratio on new client leads and have received several complimentary testimonials as a result. I feel that I have really positioned myself as a Trusted Advisor. Clearly, the implementation of the scripting that is available to Mortgage Coach users on the website, along with the utilization of the whole suite of Mortgage Coach software presentation tools, has made a significant difference in my confidence and, quite frankly, my wallet. I'm now constantly refining my presentations skills and learning every chance I get. I'm very excited for my future. Thanks for such a great tool.

I just want to provide some positive feedback. I just bought the services of The Mortgage Coach last week and had a hard-headed engineering type ("I'm just letting you know up front, I'm going to be looking for the best deal and going through everything") call me this week. I used the Total Cost Analysis module and provided four alternatives that sparked lively discussion between him and his fiancée. That took the focus way off pricing and costs and I clearly became their Trusted Advisor, to borrow the term you coined. I signed them up tonight with no problem. Thanks for a great product!

Thanks again for developing such useful tools and for your commitment to helping us become Trusted Advisors!

I have been in the mortgage business for about seven years and have used The Mortgage Coach software for the last year. I honestly don't know how I ever got by without the software. In the past, I used to spend hours putting together sheets similar to your Total Cost Analysis reports for prospects by using various sources. With the your software, it takes me a matter of minutes to put together a professional presentation with accurate numbers that truly shows which options are best for my clients both today and in the future. I could give many examples of how the software has helped me secure a client who has been shopping around.

The last comment I want to make is that your software has really strengthened my position as a Trusted Advisor with financial planners. They absolutely love the Total Cost Analysis. So once again, thank you for being a leader in helping loan officers like me succeed!

I recently talked with a prospective borrower who wanted me to quote rates and fees. I gathered some basic data and told him that I would e-mail him some information. I prepared a Total Cost Analysis report with four different loan options and e-mailed it to my prospect. I called the next day to follow up, and my prospect commented that he was very impressed with all of the information that I presented and that it must have taken a lot of time. I resisted the urge to tell him that it took only about 15 minutes!

Any job is easier if you have the right tools. After listening to part of Dave Savage's recent presentation, I realized that I have only scratched the surface when it comes to utilizing The Mortgage Coach. I would rather become a Trusted Advisor than have to do battle armed only with my rate sheet.

The first time I used The Mortgage Coach, I was in a competitive situation with several local brokers and representatives from Internet companies. The borrower didn't want to talk with anyone on the phone-he completely wanted to make his decision based on e-mail correspondence. He seemed very much like the typical "rates and fees" shopper. I e-mailed him the Total Cost Analysis with three options. Thanks to The Mortgage Coach, the deal was mine! He chose my proposed solution even though one of the Internet companies quoted a lower rate. I collected over $4,200 in fees on the transaction, so The Mortgage Coach has already paid for itself!

I have a long-time friend and repeat client who was the prototype "arch conservative" when it comes to his finances. This friend wanted to arrange a cash-out and purchase scenario that encompassed five separate pieces of investment property. But no matter how I structured the deal, he backed out. Even though he trusts me implicitly and we discussed it several times, he refused to use the Option ARM solution to solve his problem-at least when I presented it to him verbally.

This is where we see the power of The Mortgage Coach. I then loaded his scenario into the Total Cost Analysis and let the software visually display the potential cash flow control of the Negative Amortization product. The concept immediately clicked for him. I'd been talking for weeks, getting nowhere. But The Mortgage Coach closed the deal in five minutes! This one transaction paid for my purchase of The Mortgage Coach for years to come. I'm thrilled to have such a powerful tool.

The Mortgage Coach team has done a tremendous job! Thank you!

I just closed a deal using the Total Cost Analysis. The client was so impressed with the documentation that from now on he wanted to work with a real "professional outfit" like mine. Thanks!

Simply by using The Mortgage Coach RateWatch report and Total Cost Analysis as beginning points for Mortgage Planning conversations, we do on average 100 loan per year from past clients and client referrals.

We recently helped a couple in their mid-fifties who wanted to put all of their money from the sale of a home down on a new home. We helped them take a different look at their money, mortgage, investments, and retirement plan. They only had $3,000 in the bank. With a Total Cost Analysis, we showed them how to minimize their down payment and to reposition some of the equity to payoff consumer debt. The end result was that we improved their cash flow by $654 per month over the scenario they called us with. I showed them that if they invested the monthly savings we created by shifting and repositioning equity, they could generate an investment of $158,000 in 12 years at a 8% rate of return. They were blown away. What a difference from $3,000 in the bank to $158,000 in 12 years at retirement-all for the same amount they were willing to pay.

Another couple recently attended our class on wealth creation through real estate. They had two kids who were preparing to go to college. By using an Equity Repositioning Analysis and a Total Cost Analysis, we showed them that they could purchase investment properties near the university and their kids could get their friends to rent rooms and pay for the investment homes as opposed to paying dorm rent. We helped them enhance their net worth and minimize taxes as opposed to losing money by renting.

Using an Equity Repositioning Analysis and a Total Cost Analysis, I helped a man compare a 30-year mortgage to a 15-year and evaluate the benefits of choosing a 30-year. I showed him how to take the 30-year fixed-rate mortgage and invest what they saved by choosing that mortgage in an investment account. Due to compound interest, his investment account would grow faster and be more beneficial to him than him paying down a tax-favored simple interest mortgage. More importantly, he, not the bank, retained control of his money.

I have hundreds of examples and stories of how we have educated and empowered our clients to make informed decisions regarding their money and mortgages. We have done all of this by using Mortgage Coach. As a result, we have dramatically impacted the lives of our clients.

In addition, I have never originated an Option ARM loan for any client. We have used other traditional financing alternatives. More importantly, we have always put the clients interests ahead of our own. As a result, I have received hundreds and hundreds of cards, letters, and thank you notes from our clients expressing their sincere appreciation for our efforts.

I received The Mortgage Coach Professional at approximately 4:00pm on Tuesday afternoon. At 11:00am the next morning, I was using the Debt Consolidation Report to lock a sale. The report itself indeed generated a real "WOW" response. The clients exact words were, "Wow! I've never seen anything like this before!" The annual savings of more than $22,000 was enough for her to stop seeking part-time employment. What's amazing is that I really did not yet even know what I was doing. All I knew how to do was decipher the report enough to use it to close a sale. I am looking forward to mastering this new approach to my business. Thank you so very much. An $895 investment returned over $14,000 in fee income in less than 24 hours. I can't wait to see what else unfolds.

"I don't see how a loan originator can truly provide value-added advice and information without using The Mortgage Coach. This is why we invested in The Mortgage Coach and equipped our entire sales force with it."

I appreciate the Mortgage Coach, not only for what it's done for the mortgage industry but for what it's done for our company. The Mortgage Coach has given us a true competitive advantage by helping us to better position the originator as a Trusted Advisor and Mortgage Planner, as opposed to someone who simply quotes a good rate and promises great service. I view The Mortgage Coach as a necessity, not an option. Thanks, Mortgage Coach.

As a Top Producer and District Manager, I need tools that make me more efficient. After all, time is more important to me than money. The Mortgage Coach is the tool that makes me more efficient as well as more effective.

The Mortgage Coach is the future of the mortgage origination industry.

The Mortgage Coach is one of the best tools to effectively demonstrate the competency of the user to their prospects, borrowers, and referral sources.

Mortgage School says that loan officers must add value to survive and thrive, and The Mortgage Coach is the tool that allows them to do this immediately.

Hi Dave, your book blew me away! Can you send me the kit? Thanks!

Our annual branch managers meeting will take place this coming week. We will have our 120 managers as well as other loan officers who work in our offices. As a big proponent of The Mortgage Coach, I plan on taking time during this meeting to stress the benefits of your product to my fellow managers.

I spent years in strategic planning and sales planning and loved it. I experienced trouble downloading your product but thanks to Charles Fry, Carlos, and Vivian Guice, we finally solved the problem to their credit. In a short time I came to the obvious conclusion the you have one terrific company. You have pros helping pros, and that's rare in America today. You are to be commended for the A-plus rating I have given your company (understand I throw complements around like aircraft carriers). Your people were fabulous to work with and stayed with me until my problem was solved.

The organization that you have formed is truly world-class in every way. The really big guys (Fortune 500) could learn so much from your business model.

I want to send you a special "Thank you" not only for helping me to decide to purchase The Mortgage Coach software but also for the incredible amount of time and patience you extended to me over the phone, both before and after the purchase. This transaction has proven to be one of the most enjoyable purchasing experiences I have ever had! Not to mention profitable!

Apprehensive of any company I'm unfamiliar with, I pay close attention to the behavior of the representative. After my discussions with Scott, a Mortgage Coach sales consultant, that apprehension came to an abrupt end. As everyone knows, it's stressful trying to settle into any new employment position and more so, when that position is with a new organization. It took a while, but I managed to work out the 'kinks' on my end. If it weren't for the persistence of your sales consultant, I could have easily put this investment on the back burner as I continued to build my pipeline and help build this new company.

Thank you Mr. Savage, and thank you Scott.

I just wanted to thank you guys for the incredible tool that The Mortgage Coach is. It has paid for itself so many, many times over. I also want to praise the excellent customer service. I just got off the phone with Alex Herrera. I had called due to a little problem with the graphics. Alex was just great-knowledgeable, courteous, attentive, you name it. The problem was solved and I couldn't be more grateful! Once again, thank you!

It's not often that I run across a person who I "connect" with over the phone, especially when the individual is in sales. Dawn Kovach, however, is just outstanding! You can feel the excitement, the energy, and the honesty in Dawn that I adore in people. On top of all that, she happens to represent such an awesome product, which, by the way, just got me five referrals in four business days! Kudos to you, Dave Savage, for creating The Mortgage Coach, but double kudos for finding Dawn! She deserves a raise or three! The Mortgage Coach is awesome!

Dave, we have not met but I feel like I know you as a friend and "Coach." I came out of retirement 3 years ago. Together with my partner, I recruited over 600 people new to the industry-mostly life agents-to help homeowners fund their retirement without spending any more money out of pocket.

I just wanted to share my experience with Chris Jones (a member of the Mortgage Coach staff). In 1982 my partners and I started a computer company that ended its first year with over $100 million in sales to 29 countries. I learned the hard way that two of the most important people in my company were the receptionist and the after-sales support person who answered the phone. Either of them could create, support, or destroy customer relationships with the presence or absence of their "smile" on the phone. I didn't see the importance of those things when I started my company, and that is the primary reason that I lost the company in two years.

I usually don't like pressure salespeople, but I liked Chris. Chris has the unique ability on the phone to create urgency with a smile. It comes across as an urgency to answer my questions and solve my problems, not get me off the phone.

It's a pleasure working with your company and I look forward to a mutually rewarding relationship. Thank you.

I just listened in to the conference call entitled "Four Right-Now! Strategies to Sell Three Loans in the Next 30-days." What a great call. I am constantly trying to get brokers out of the "commodity trap" and help them to become more valuable to their clients. The informed broker can speak to this and offer solutions or perhaps recommend another product that has a more conservative index than MTA or Libor such as COSI or COFI. World also recasts in 10 years instead five so there is another choice.

Epic conference call with Randy on the NegAm and index analyzer (link)! That was exactly what I've been looking for to polish my NegAm selling. Keep up the good work. These types of interviews and calls are perfect for getting a leg up on the competition.

The interview with the CFP was awesome. It really gave some insight on how they think and how they perceive mortgage people. In fact, it gave insight into all of the top people in business from whom we get business. I know that there are a lot of interviews out there that touch these issues, but the way you approached that call was different. You really were getting into his head. I don't want you just to think I am blowing smoke. You really do a great interview. I listen to all the calls that are being done and they are good; but you do have a way of asking and getting different info.

Great conference call with Steven, Ron and Eric. I really appreciate the value you provide. It just blows my mind. How do I ensure I get a seat at the workshop?

Again, thank you for all that you do.

I had been listening to your conference calls with the "TOP GUN" in the financial industry. EXTREMELY a transformation experience! I can't wait to get "more input." The last conference call I listened to was the one with Gibran Nicholas and yourself. IT WAS GREAT!!!

The reports that are part of The Mortgage Coach are awesome. But it's the audio conference calls and other materials that have really caught my attention. They have helped me take my value proposition to a new level. Any lack on my part was filled by the audio conference calls that are part of The Mortgage Coach Exclusive Membership. filled that gap.

Using The Mortgage Coach's reports, I have developed a true mortgage planning presentation to use with CPAs, CFPs, and Realtors. Now I don't just quote numbers-I give advice. My new knowledge-driven approach has been very well received by my Realtors. The results have been incredible.

The very first CFP I ever did business with-one who already had a good working relationship with another lender-said, "I know who I will personally use when I get my mortgage."

A realtor with 20 years in the business initially played it cool with me because he was very satisfied with his lenders. In fact, he had never given me any business at all. However, when I gave him my presentation with the tools I had picked up from The Mortgage Coach, he told me that I had really differentiated myself with this approach and information. He gave me a referral right then and there.

I wanted to commend you for developing a drop-dead winner that allows me to differentiate myself in today's difficult market.

Your staff has given me fantastic support and assistance as I have successful established and grown my mortgage business. Your tool is an essential part of my referral-based business. I am focused 100% on using your product and systems to build a career in the mortgage industry.

Dave, I'm very happy to know you are a responsive CEO. Keep that up. It speaks volumes about your dedication to guys like me. Bravo!