Mortgage Marketing Animals

Presents:

Pat Fitzgerald – VA Expert and all round nice guy….

The Fitzgerald TeamSan Antonio, Texas

San Antonio Branch

• PrimeLending is a $9 Billion Dollar Banker• Owned by PlainsCapital Bank (Dallas HQ)

• 1200 Loan Officers• 2011 Dollar Volume $190,000,000 (S.A.)• I am a Loan Officer only….no management

The Fitzgerald Team

• 2011 Volume $50,000,000 +• 8 Team Members including Pat Fitzgerald• Team is totally self contained• Dedicated Processors to Fitzgerald Team• Dedicated Setup (Order out items)

The Fitzgerald TeamAccomplishments

• Ranked #1 Texas Vet VA 2008, 09, 10, 11• Ranked #2 in San Antonio (closed Units)• Ranked #7 in VA Volume in U.S. 2010• Ranked #11 in PrimeLending 2011• Member PrimeLending Chairman’s Club

• Pat, for those LO’s on the call that may not know you, please tell us what your mix of loans is?

• What got you interested in VA Loans?

• I heard that you are now teaching Realtors at your local Board of Realtors?  Why?

• How do you market?

• What percentage of your business comes to you directly vs from a Realtor?

• How does a LO begin looking at VA Loans?

• How does a LO search for Veterans?

• How does a LO find military bases?

• How does a LO know what questions to ask a Veteran?

• Please outline a VA Loan in terms of limit, down payment, PMI, etc.

• What about VA disability and how that factors into a VA Loan?

• Can  you go above $417,000 on a VA Loan?

• Can a Veteran have two VA Loans at one time?

• What about BK 7 & BK13?  How does VA feel about that?

• Property types allowed by VA?

The Fitzgerald Team

Pat Fitzgerald Duties

• I am the “Hunter”• All Staff Members are “skinners”• I am the Phone Guy• I am “Retail Direct”• 80% of business is non Realtor

Pat Fitzgerald Does Not

• Do Loan Apps• Generate Disclosures• Lock Loans• Chase Conditions• Go to Closings

Stephanie M.

• Senior LO, my Partner• Former UW, GM of Mort. Co.• Manages Team Members• Oversees all Manual UW’s• Handles all self employed• Disclosures/Locks Loans

Kristen M.

• LO Assistant• Handles all VA Deals• Firms up 1003• Prepares Disclosures• Submits to Processing• Chases conditions

Randi D.

• LO Assistant• Handles all Bank Business• Firms up 1003• Prepares Disclosures• Submits to Processing• Chases conditions

Kristian K.

• Senior Processor• Former Ops Mgr for builder• 18 Years in Mortgage• Can sign off on conditions*

* Not value related

Craig H.

• Junior Processor• 1.5 Years in Mortgage• Also does Team Reports

Shelly C.

• Setup Person• Orders Appraisals• Orders Title, Survey• Orders HOI, and Termite• Submits all files into Closing

Hannah R.

• Answers Team Phone• Answers my phone• Inputs all online apps• Pulls credit• Handles my Calendar• Monitors my emails

Thanks Pat!!