Residential Funding Group, Inc., Resfund, is a dynamic new mortgage company that is quickly becoming a premier San Diego mortgage broker. Are you a professional loan officer or industry veteran? If you are looking to join a remarkable team and build your career with proven industry leaders, ResFund may be the home for you.

Loan Officers – Professionals Only Please…

Today’s Loan Officer has emerged as a more educated, client-centric, professional. Indeed, most of the ranks of loan officers have been replaced with a new breed of mortgage loan originator – a highly trained pro that considers his profession a career, not a way to make a quick buck. ResFund, www.ResFund.com, is embracing this type of loan officer. Is your mortgage company helping you grow into an exceptional MLO? If not, you may want to consider sitting down with ResFund and speaking directly with the President of the company. Is it your time to be on the ground floor of something special?

A New Mortgage Company Built For Exceptional People

Do you feel like another cog in the wheel? Is going to the office more of the same old, grind? It doesn’t have to be that way! If you are REMARKABLE, Resfund wants to meet you! It’s time to surround yourself with like-minded pro’s. Collectively, an office of exceptional people combined with proven leadership – from the highest levels of mortgage banking – can create a remarkable company. The time is now for you to make your move. 2012 can be the best year for you, Resfund can help you realize your goals and dreams. Visit Resfund’s Website at www.ResFund.com to find out more about this exciting new company!

ResFund – Deep Roots in The Mortgage Industry

The Founder and President of Resfund is launching his second mortgage company and will be building another Inc500 Company. With 15 years experience in Mortgage Broker and Mortgage Banking, and a track record of building multiple fast-growth companies, it has been determined that the time to reenter the mortgage industry is now. You can read more about the founder of ResFund here.

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PURL’s. What is a PURL? It’s a Personal Uniform Resource Locator. PURL’s are being touted as a new technology, but truth be known, they’ve been around for at least 10 years.

Can PURL’s really increase your response rate for direct mail? Yes and No. It depends on the LIST that you’re using, the OFFER you’re making, and the client you’re marketing to – read on!

A PURL basically merges information from the list you use for direct mail onto a sub-domain, something like this: JohnSmith.Igotthelowestratesonearth.com. You see, when the prospect opens the mailer, they can either call you (best) or they can enter the sub domain address in their web browser. Honestly this technology worked in like 1999 when the web was relatively new. Today, most consumers are more savvy – they get it, and understand that a PURL is a gimmick that they actually took part in producing!

Will it work? Possibly, but will it give an unnecessary option outside of why you really do direct mail? YES! Not using a PURL is the same reason many clients don’t use their web address or email on direct mail for prospects to contact them – because they want the call-in.

PURL’s are an inexpensive gimmick that may do more harm than good. Is it right for you or are you being sold on it’s effectiveness? Listen, it’s not that we’re against PURL’s (some of our clients think they’re neat…), it’s just that you need to understand that your call-in rate will go down. Consumers given another option outside of calling you may take it, but if you include a great Offer along with a Targeted List, they will surely call. It’s that simple, with the right list along with the right offer, you could scratch a note on a napkin and you would get call-ins. PURL’s often are used instead of a Good List. Ouch – That could be expensive! If you’re using direct mail for say, mortgages or debt, don’t skimp on the list. Today, many companies are using Credit Bureau Data to zero in on their ideal client – something you should be doing as well.

For more info on PURL’s and using them in your mailer, give us a call – heck, we’ll show you how to get PURL’s for free if you really want them…

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Direct Mail to find qualified prospects for new mortgages? Absolutely, and it doesn’t have to cost you an arm and a leg for great mailers, great data, and all the analytics, and PURL’s that you need.

Mortgage Direct Mail can deliver qualified – exclusive – prospects for your loan officer. How? Let’s take a look at some of the basics you need to have a great campaign, at an affordable price.

The Mailer

The Mailer for your Direct Mail Mortgage Campaign is often considered one of the most important aspects of a Direct Mail Campaign, but guess what? studies (countless studies) have proven that the Mailer takes a back seat to other, more critical, parts of a Mortgage Direct Mail Campaign. Too often Mortgage Brokers are duped into thinking that “it’s all about the Mailer”, but that’s just not true. With literally millions of the same Mailer being sent every month – the mail piece is certainly no secret. In fact, as one of THE largest List Brokers to the Mortgage Industry, we see virtually every mail piece. Whether you choose a letter, Snap Pack, or other type of Mortgage Direct Mailer, remember that the message needs to be clear with a strong call to action. It’s that simple, so don’t complicate your mailer!

The List

This is the biggest factor in the success of your Mortgage Direct Mail Campaign. Identifying your ideal client begins with careful list selection. Caution – beware of other providers of Mortgage Marketing that re-use data that’s used for your Direct Mail Campaign. Demand that the list used for your Mortgage Mailer is exclusive to you, that it will not be re-sold or used for another client that the Marketing Company has.

Back to selecting your list…a Professional List Broker will be able to work with you and convey what is working best today. Whether it be LTV driven, Credit Scored Data, Loan Amounts, Payment History, any of these items and more, should be considered when the list is run and eventually ordered.

PURL’s

What’s old is new again…PURL’s have been around for more than 10 years. When we first used them 8 years ago we found initial success, then, as what happened with all Direct Mortgage Mailers, PURL’s fell out of favor. Today, this “old” technology is new again. It’s actually a very simple, straight-forward technology that even the simplest of non-tech people can grasp. With the affordability of PURL’s, this can be another way to reach out to your prospects.

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Debt Settlement Leads are the backbone for any successful Debt Settlement Company. So where are the great leads?

Searching for great Debt Settlement Leads? You’re not alone. But before you consider buying from the next lead vendor, think about generating your own – it can be less expensive, more targeted, and easier to control quality. But like most things in life, you need to spend the time needed to manage the process

At Mind River Marketing we put YOU in the drivers seat. Why be stuck working with flaky Debt Settlement Lead providers? You can take back control of your marketing and we can help you do that. Here’s our short list of the “raw materials” that can generate great Debt Settlement leads for your office:

Credit Bureau Data Records – This is like holding someone credit report in your hands! Filter by: credit score, payment history, debt amount, utilization of debt and more. Great list to use for telemarketing or direct mail. Credit Bureau Data for 11 cents each.

Debt Settlement Direct Mail – Still one of the best leads available – but it starts with a great list (see above). We work with you to create a custom piece that can pull 1% response rates or better. Direct Mail WITH Credit Bureau Data, Postage, everything “out the door” just 49 cents each!

Internet Lead Generation – People are online looking for help. Leveraging the internet to find Debt Settlement prospects can be a great source of leads. Finding the right partner to get these leads is critical. That’s where we come in.

Take the first step – take back control of your marketing to create your own Debt Settlement Leads.

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Direct Mail to find Debt Settlement prospects is still the best marketing method, but what separates a good response rate from a great response rate?

The List. If you’re having success today then most likely you’re using Credit Bureau Data. But are you using the correct selects? With more and more companies competing for these clients, using the correct attributes when building your mailing list is critical.

Consider the client before he is enrolled into your Debt Settlement Program. Is he currently delinquent on his credit cards or is he still managing to stay current? What we know for sure is once a client is enrolled into a Debt Settlement Program his credit cards become delinquent, but often times before enrollment he’s hanging on barely able to make payments. So who would you rather solicit? Someone who is delinquent on their credit cards (at least 30 days down and maybe already enrolled) or the prospect that is current, maxed out, barely hanging on, can’t make that next payment…?

Work with a professional firm that has current analytics on Debt Setttlement Mailers. Sounds obvious, but with so many companies throwing their hat into Debt Settlement Marketing, there’s lots of landmines out there – be careful who you choose to manage your campaign! At Mind River Marketing we have years of experience working with Mailers, Lists, Tracking, and more. We’ve seen it all.

The Mailer. Sure, you need a good mail piece to deliver to prospects, but it accounts for a very small percentage of success to the campaign. If you’re mailing to the right prospect, you could almost write your message on a napkin and they’d respond… A fancy flier may be opened, but if the prospect does not need your service it will still be discarded. The Mail Piece is important, but the list selection is critical.

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Direct mail, if done correctly, remains one of the cheapest and most effective tools available to small businesses, no matter what their market is. Although it can be very elementary on some levels, direct mail does have subtle tricks that you can exploit. Unfortunately, many beginner mailers and even some experienced ones overlook some of the basic foundations needed to create winning direct mail campaigns.

Here are some tried and true thoughts to keep in mind when creating your next mailing. You’re sure to get a higher ROI if you consider the following:

1.How targeted is your mailing lis?

2. What is the perceived quality of your offer?

3. Is your mailing piece attractive?

Lots of experts speak of the 40-40-20 rule. It claims that the mailing list comprises up forty percent of the success of a mailing, the offer makes up another forty percent, and the design and mailing itself (paper, colors, copy) takes the last twenty.

Start by purchasing a quality list; one that has not been trampled on by others. You get what you pay for in some cases, and you do not want to be last in line, chasing used up leads. Know who your best customers are and think like they do. Try to put yourself in their mind and ask yourself what has worked in the past.  Work with your list supplier to create the best prospecting list that fits your budget and criteria. Be sure to generate a powerful offer that will draw attention and make people want to respond. Your offer should be straightforward, to the point, and easy to understand.

You should also offer something with high perceived value. Words like FREE or BONUS still draw people’s attention, and probably always will. It should be simple to respond to in a variety of ways including a website, by email, telephone, mail and/or fax. Give them a money-back guarantee if you want. Repetition is good, so repeat response phrases and hooks as often as possible.

Your mailing piece is representative of your company and its strategy and the initial look and feel of it can make or break your campaign. Would you like to be seen as exclusive, stylish, comedic or high-end your mail piece should reflect it. If you are targeting customers who are in the market for a lower priced offer, your mailer should have a budget look and feel to it. Use terse, descriptive sentences in your copy and come up with a good hook or phrase.  If you stick with these tips,  your direct mailing efforts will go much further.

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Trigger leads identify actionable pieces of information that you can use to help increase your sales and fill your pipeline with qualified leads. A trigger lead can provide you with solid insight into potential borrowers’ credit for the purposes of a mortgage evaluation. Credit bureaus churn this information out on a regular basis, and filter it to interested parties. The credit bureau determines the type of inquiry by industry and credit evaluation type. We use their determinations to deliver you only the most qualified leads.

Not all mortgage trigger leads are quality. We work with credit bureaus who skillfully analyze the mortgage inquiries from the previous day and update and deliver the file for you the next business morning. Some credit companies do “batch” processing, and deliver files once a week at most; that’s not relevant enough. Your trigger leads should be fresh, usable, and not worn out. Don’t be fooled by brokers trying to dish off tired, old trigger leads. Make sure they aren’t leads that have been passed around for weeks; ask your source where they come from and how often they are updated. Be wary of very low priced leads as they have probably been sold to many others and will be useless.

Our mortgage trigger leads are batched daily and delivered on fresh each day. Don’t spend money buying leads that you’ll end up wasting time with, or low-quality, weekly batched leads. They’re cheaper for a reason – they’re practically useless. Don’t be pennywise and dollar foolish. The quality of a trigger lead is after all what’s most important, and if you arm yourself with the right ones, you can turn your cold calls into warm calls.

WHO CREATES TRIGGER LEADS?

The national credit bureaus!

We get credit data from what the credit bureaus have on file for each borrower. They’re responsible for credit scores, loan balances, repayment histories and many other pieces of information that give you what you need to choose the exact borrowers that fit your existing set of loan products. A hot trigger lead takes much of the guesswork out of marketing. Trigger leads can fill your pipeline quickly, and leveraging them can be easier than direct mail, cold calls, and other traditional methods of marketing.

No other source of information can provide you with fresh leads that have been accurately targeted and chosen. Credit bureaus flag various bits of data in a “credit pull”. All the leads you will receive are from consumers that are currently in the market. These people are actively seeking a mortgage and have filled out paperwork to have their credit pulled. You know that,and you have their information.

There’s no incentive or tricks offered to get this information. Trigger leads are only created when someone has filled out an authorization to have their credit pulled for the purposes of a mortgage evaluation such as a signed form 1003.

There simply is no better leads source. The immediacy and integrity of this data is unparalleled by any other mortgage data source.

HOW DO I USE TRIGGER LEADS TO FILL MY PIPELINE & CLOSE MORE LOANS?

Act immediately. You are not the only one looking for these leads so make moves, and secure potential leads as soon as you get actionable information.

Trigger leads provide you with name, address and phone number of the prospective borrower that fits ALL the demographic criteria you have preselected. They provide actionable information – that is, indicators that signal a probable lead. When looking for a mortgage, borrowers are given choices. They review their financial situation, and get assistance from lenders even if they thought they had few options. Every borrower is motivated by something…credit card debt, a ballooning ARM loan, cash out…these are our “triggers” in a sense. Think about the cause and effect of actions that your prospects take, and you’ll likely find a good trigger event. There are hundreds of triggers out there, just be creative. Take a moment to map out your prospects needs, wants, and desires with the loan they are pursuing. If you do this, you’ll be in a better position to present them with a solution right away.

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Searching For A Better Debt Settlement Lead?

Direct Mail is proving to be the best lead for Debt Settlement Companies for 2010. We’re continuing to bring on more Debt Settlement Companies at 49 cents per piece “out the door”. Managing Direct Mail Campaigns means that we complete the following:

• Order The Best Data Available – Credit Bureau Data Leads allows Debt Settlement Companies to identify the exact prospects that fit their program guidelines.
• Create The Direct Mail Piece – The best performing mailers are often-times what is called “snap-packs”. These mailers have an official looking design that is suited well for Debt Settlement prospects.
• Copywriting – The best list combined with the right offer means you will have a steady flow of qualified call-ins.
• Mail House Services – print, fold, stuff, mail.
• Call-Tracking – Every Mailer gets a unique Toll Free Phone Number to track and record all of your call-ins.

Direct Mail Leads can solve your lead problems, but before you jump in and start mailing, here’s some good advice to consider:

• Be Consistent. Direct Mail can deliver the absolute best lead for your Debt Settlement Business. But you must be consistent. Whatever your budget is, commit to sending mail out each week for 3 to 4 weeks. This is important as the Post Office will deliver your mail over a period of weeks. Unlike (over-sold) internet leads, you can not expect to have all the leads arrive the first week. They will come in over the first month. It’s also important to commit to 3 or 4 weeks so your salespeople can adapt to and get comfortable closing these leads.
• Work With Proven Marketing Professionals. Sounds obvious doesn’t it? Your marketing dollars are precious, don’t waste them. Our core group of marketing professionals have been working together for the last 10 years in Direct Mail. We understand Direct Response Advertising.
• Tracking. Call-Tracking is an important part of any Direct Mail Campaign. Insist on call-tracking to record all calls.

Ready to get started with Direct Mail for your Debt Settlement Business? Call us at 866-725-3070 to get started!

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Close More Leads With Debt Settlement Mailers

Debt Settlement Direct Mail Leads are the best performing leads available today for Debt Settlement Companies. At Mind River Marketing, while we offer many types of services for companies to help with their Debt Settlement business, BY FAR, the best lead today comes from direct mail. And it’s no wonder, the barriers of entry are higher than other leads (like over-sold, weak internet leads) but the rewards of working leads from people calling in that have received your snap-pack mailer will have higher closing averages – and you’ll also have happier, eager, more productive salespeople.

Don’t Rely On Just Any Firm To Manage Your Direct Mail Campaign

Direct mail is not for the faint of heart. Companies considering Direct Mail to find new Debt Settlement clients should consider more than price when choosing a partner to manage their Direct Mail Campaign. Are you willing to risk the upfront costs of Direct Mail to just any firm? Research and get details before you commit. Direct Mail is more than just a good looking mailer with catchy content. You need to be mailing to the right list. Actually, if you mailed to the exact prospects that need your Debt Settlement service, you could almost scratch a note on a piece of paper and get a decent response. That’s how important a good list is. Don’t skimp and try to cut corners here. With each campaign you mail out you should also be getting a COMPLETE spreadsheet of all the criteria used for the list. Obvious reasons for demanding a detailed list is future suppression, filer comparisons, and more. Again, don’t settle here, reputable marketing companies will give you complete lists with every direct mail campaign you complete with them.

Tracking Your Debt Settlement Direct Mail Campaign

This means more than having your reps keep a daily tally. With each campaign, mail drop, you should be call-tracking to capture every single lead – whether they leave a message or not. Call-Tracking is an excellent tool for every Direct Mail campaign.

Interested In Learning More? Ready For A Quote?

Give us a call or shoot us an email. This is our niche. We understand your business and Direct Mail.

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