WELCOME PROFESSIONAL PARTNERS!!

Are you losing money and clients by not having a good "trusted lender relationship" in place??

We have developed long term relationships with Financial Planning Professionals, Legal Professionals, Insurance agents, CPA's, Realtors and local banks who have realized the true value of this service to their clients & themselves and have referred their clients to us.  We now ask our clients at THE TIME OF LOAN APPLICATION if they are currently working with trusted professionals (do you have a Will/Estate Plan?, do you have a Financial Planner?; do you do your own taxes or do you need a referral to a good Realtor?).

Financial Planners:

As a financial planning professional, you may want to introduce a mortgage professional to explore a debt consolidation refinance to keep the clients complete financial strategy intact.  In the process, you will preserve their assets under management and commission flow.

We can show your client, in a very simple format, how we can take their existing equity and eliminate debt or provide lump sum cash to invest. You can then show your clients that by restructuring their equity out of their homes to pay off debt, they now have the extra money to invest with you (don't forget the power of a third party recommendation; you are not telling them that this is good strategy, we are).

Partnering with Steven Brand and his team is a win/win/win for everyone.

Attorneys:

A well-respected marketing consultant for the legal profession recently received numerous emails with a common theme. What many attorneys wanted to know was “tips on how to accelerate payment for services rendered, politely, while retaining the client and in the process not turning into a bill collector or pushing the client away.”  His recommendation was to introduce a mortgage professional to the client for a debt restructuring refinance and in the process of the closing having the attorneys bill PAID IN FULL !

We provide a real service to Divorce Attorneys, as well as their clients. The unique thing about a divorce situation is that where there was one household there now becomes two. There is a “housing multiplying effect” associated with divorce. Divorce attorneys should consider introducing their clients to a mortgage professional that can provide financing solutions for the distribution of assets as well as providing for payment to the attorney for services rendered.

Part of Steve's Divorce Plan" will include:

• a plan for keeping credit in good standing and/or assistance in establishing new credit
• refinancing an existing property to cash out the exiting spouse.
• assisting the exiting spouse in the purchase of a new residence.
• helping the attorney get paid by including a "demand for payment" with the closing documents. 
• introductions (if needed) to a Trust/Estate Attorney, a Financial Planner, Insurance Professional and Realtor

Also keep in mind that we bring conclusion to the divorce transaction. Usually the house is the largest asset.

Assisting Trust/Estate attorneys is another "preferred partner" relationship STEVEN has been asked to assist with.  Without a will or a trust, when the client passes, their property may end up in PROBATE. What an ugly word. With every loan application a mortgage professional should ask the client if they have this in place. If not, (80% of them don’t) refer them to an attorney that can do this for them.

In conversations I have had with family planning attorneys, many of them recommend to their client, “If you are thinking of refinancing, do it now instead of waiting on this process (establishing a new trust). It could cost you more in the future to accurately reflect the trust.”

Small Community Banks:

Why are small community banks anxious to establish relationships with Steve and his team?

If the community bank cannot provide a financial solution for their customer due to a limited supply of mortgage lending products, then that customer has to go to a competitor (another bank) for their solution. If the customer goes to a local USBank or Wells Fargo, those companies will solicit all of their checking and savings accounts to be moved.

A mortgage guy (like Steve) is a safe solution because they do not provide checking and savings account services. From the smaller banks point of view, establishing this referral relationship is not an option, it’s a matter of survival and protecting their existing relationships (deposits).

I have heard stories of Financial Planners referring their customer to the large nationwide lenders with a presence in their markets. Do these planners realize what a business risk this is?  Don’t they know that USBank, Wells Fargo and the other major financial institutions have divisions that provide the same financial services the referring professional provides?

If you are a non-lending professional reading this outline hopefully you can see the value in creating this type of referral environment and developing a strong professional relationship with a mortgage professional like Steven Brand.

Realtors:

As a large percentage of our business is referrals from Real Estate Agents, we have developed a program to ensure the maximum in service and mutually beneficial business referral & income growth opportunities; we call this program Preferred Realty Partners.

Preferred Realty Partners is a relationship based program with Steven Brand and his team and local Realtors. Membership is available to those top quality Realtors committed to establishing and maintaining a long term, mutually beneficial relationship with us.

Some of the many benefits of membership include:

Links:
You have the option of having immediate Internet linked access to your personal web site, which is included in our Preferred Realty Partners section of this website. 

Referrals:
Along with our innovative consumer direct marketing campaigns, we receive online loan applications from prospects who are referred to us from friends, neighbors, local businesses, etc., as well as people surfing the net who are relocating to the MPLS/ST PAUL area. Often those applicants are interested in being pre-approved before they begin the process of looking for a home.  At application, we them if they are currently working with a Real Estate Professional. Once pre-approved, if these clients require the services of a Real Estate Professional, we will refer them to our Preferred Partners, as a way to generate business for us both.  Steve also has a FSBO program specifically set up for 2 reasons... to assist sellers who do NOT have 4-6% equity to pay a listing agent and secondly (and more importantly actually) to get in contact with buyers.  With "call capture technology"... we can contact every caller on every listed home to attempt to gain their business as their financing company of choice AND have the ability to refer them to one of our  Preferred Realty Partners.  The goal is to FILL YOUR PIPELINE of pre-approved buyers.  With the ratio of listings to buyers what it is today... what's your interest in a stream of pre-approved buyers??

Services Provided:
We offer (RESPA compliant) marketing services to Both Buyer's Agents & Listing Agents who are our Preferred Partners. These services not only assist Buyer's Agents by providing them with pre-approved clients, but can also shorten the listing times of homes represented by our Preferred Partner Listing Agents, as well as eliminate a large percentage of time & aggravation spent on unqualified potential buyers.

In addition to the services we provide our Realtor Preferred Partners, we also help them retain their past client loyalty through our Client Retention Contact Program.

We only team up with proven professionals with the highest ethical standards who have demonstrated a desire to work in their clients best interest. If you feel you meet these standards, feel free to contact us to arrange for an interview.

Steven Brand is a member of MMA