This presentation gives some great examples of a residential mortgage company and how members of the BNI chapter can find referrals for her this month

1. Lorie Yates
Centennial Bank

2. PhD in Mortgage-ese??? No!!!
Just some key Buzz Phrases!!
What do you need to know in order
to refer people to me???

3. Who can you refer to me???

4.  We are getting married!!
 We are having a baby!!!
 We are getting a divorce. 
 This house is just too small! We really need a
bigger house.
 This house is too big now that the kids have all
grown up and moved out. We really need to
downsize.

5.  I would love to have a brand new house!
 I would really like to buy a lake house! (or a
cabin in the woods)
 I’d really like to start buying some rental
property to invest in for my retirement!
 My child is going to college this fall. We are
looking for a place to rent.

6. Anyone who needs to
refinance their house

7.  My interest rate is <above 4.75%>. Do you
think that is too high?
 My mortgage payment is too high! I really need
to look into lowering it!
 I hear the mortgage rates are getting lower. I
should really check that out.
 I would love to payoff my house in 15 years
instead of 30 years. I wonder what I need to do
to accomplish that.

8. Anyone who needs to do a
cash out refinance

9.  I would love to remodel the kitchen! (or
bathroom!)
 I would love to build a new deck and design
my dream backyard!
 I really need to payoff all of my credit cards!
 My monthly bills are way too high. I need to
consolidate some of them!

10.  I would really like to combine my first and
second mortgage and just have one payment!
 My air conditioner has gone out, and we need
to get some cash to replace it!
 I need to purchase a vehicle and would like to
finance a longer term!
 Our child is getting married and we need to
borrow some money to pay for it!

11. Referral Partners

12.  Realtors
 Builders
 Relocation Specialist
 CPA’s
 Someone selling house FSBO

13. ADDI up to 6% of the sales price
forgivable
HELP up to $5000
forgivable
DPA up to $6,000
must be fully paid back
**Can combine HELP and