Wheel of Life and Goal Setting Forms

http://www.box.net/shared/p173bvnrfk




http://www.box.net/shared/8vlskqm66e



http://www.box.net/shared/aauoab22a6

12-16-10 Coaching Call

Hi Everyone,

Here is a link to last Thursdays call...just in case you missed it.

http://www.box.net/shared/static/rqa7ui6hho.wmv

Coaching Call 12-2-10

Hi All,

Here is the link to our 12-2-10 coaching call.

I hope you fine it usefull!

Hi Everyone,

Here is the link to this mornings coaching call. http://www.box.net/shared/static/qhaoexh02q.wmv

I hope you all found it helpful.

Take action and close the year strong!!

Coaching Call 11-4-10

Hi All,

Here is last weeks coaching call.  I also just posted the calls for the 21st and 28th of Oct.  Sorry for the delay getting those up.  I love how often these recordings are being used for reference and appreciate how great FirstCal Loan Officers are about sharing and executing on new ideas!   You guys rock!!!

Coaching Call 10-28-10

http://www.box.net/shared/static/9fkuttf66p.wmv

Coaching Call 10-21-10

http://www.box.net/shared/static/9fkuttf66p.wmv

Chris' Viking Birthday Princess

Yesterday was Chris Hart's birthday and the team cooked up a fun visit from a Viking Princess. Click here to watch the fun.

Last Two Weeks Coaching Calls

Hi All,

Here are the links to the coaching calls from the 7th and the 14th!   The feedback from our call on the 14th has been rewarding.  If you missed the call, please view this webinar.

Thanks!

October 7th
http://www.box.net/shared/static/4zdv2kxa05.wmv

October 14th
http://www.box.net/shared/static/ftrnu3hac4.wmv

HomeBuyer Seminar Slides- Yes, you will do one per month!



My daughter and I NOT catching Fish but having fun!

Hi Everyone...here is the link to Homebuyer slides I went over this

http://www.box.net/shared/2ahdrmza48

AND here is the link to the Sept 30 Coaching Call

http://www.box.net/shared/o5qdl80jdg

Last few weeks coaching call links

Hi Everyone-  Sorry I have been so terrible at keeping the blog up to date!  Between my vacation and my move to Northern, CA I have temporarily lost my routine.

The good news is I am now settled and life is beginning to feel somewhat normal again.







NOTICE MY HAT :-)



Here are links to the last few weeks calls.

Sept 23 http://www.box.net/shared/ef9nof543h

Sept 16 http://www.box.net/shared/15rrpmmz57

Sept 9  http://www.box.net/shared/f4xe761c6i                                                                                 
                                                                                    

Sept 2  http://www.box.net/shared/0kogj9pa4s

It has been a month, are you saying your affirmations everyday?

I personally have not been awesome at it; however I did say mine in the car yesterday after Jeremy's reminder on the call yesterday. I have been keeping them in my purse, even when not saying them J

Last month Mike Lamka asked for you to send in what you had chosen as your positive affirmations. I received over 100 affirmations and they are all really great!

If you have been taking some time off of your positivity why not start today? Need to update your affitmaitons? There are some awesome options below:

1.       I will be selfless in action and attitude

2.       I am here to help and solve problems.

3.       I feel healthy and strong.

4.       I am a good speaker.

5.       I am calm under pressure.

6.       I AM A LEADER

7.       I AM ORGANIZED

8.       I AM A FORWARD THINKER

9.       I AM COMMITED

10.   I AM GROUNDED

11.   I like to exercise and I set aside plenty of time to do so

12.   I choose to look at the world around me in the bright healthy light of optimism and self assurance

13.   I take full responsibility for everything about me, including the thoughts I think.. I am in control of the vast resources of my mind.

14.   I think in the most positive and productive way at all times and in all things. The way I think is the way I live, and I live right.

15.   I treat all people with respect

16.   I am blessed to be loved by God and family and I share that love daily

17.   I always treat clients fairly and with honesty and respect

18.   I am the captain of my ship and always take responsibility

19.   I am a great role model in my coaching because I teach young athletes to work

20.   hard and have integrity in all they do.

21.   God has given me the gift to run well and I will continue to be strong and fast

22.   I  am a great problem solver and will find a solution for every problem

23.   I am a great friend to have and will be there to support and encourage all my friends

24.   I will make others feel important

25.   I am positive in my abilities to succeed

26.   I will go out and get new accounts

27.   I am a great presenter

28.   I will balance work and personal life

29.   I live by the Golden Rule – I treat others in the same way that I wish to be treated – with honesty, integrity and credibility.  

30.   I focus my attention only on those things which I can do something about. If I cannot affect it or direct, I accept it.

31.   I am full of resolution and the absolute assurance of the best possible outcome in everything that I do.

32.   I am good at solving problems. I like challenges and meet them head on.

33.   My goal is to create and attain true, tremendous wealth – not only money but with family, health, self and soul.

34.   I never start something I don’t intend to finish and finish at the top.

35.   I enjoy and thrive in the art of “Relationship Building”.

36.   My consistency of producing and building relationships has continued to keep me at the top.

37.   I love being a leader and a successful mentor.

38.   I thrive in being a key member of a successful team.

39.   I am a good listener

40.   I am responsible for my actions

41.   I enjoy keeping my mind and body fit

42.   Failure is never an option

43.   The more money I make the better I feel

44.   Punctuality, important first impression

45.   Manage my time and efforts

46.   Take care of myself physically – sound body, sound mind

47.   Belief in my abilities

48.   Create a balance between work and personal life

49.   I am a great father and spouse and I love my family and children with all my heart

50.   I love to smile, laugh and enjoy life with those who choose to be around me

51.   I can conquer this market and build a strong, successful business one Realtor and one loan at a time

52.   I am a positive person, I work hard, I deserve to be successful, and good things will come to me if I keep trying

53.   I am motivated to succeed in my business and to improve my personal health, wealth and well being

54.   I focus on the things that I can control.
I am a great family man. I am a great father, husband, I love spending quality time with my family.
I am in excellent physical condition, I enjoy setting aside time to go the gym and maintain my physical health.  It clears my mind and allows me to focus on the tasks at hand.

55.   I always try to be as organized as possible as it saves time in the long run.

56.   I am confident in my abilities and have the resolve to persevere and succeed in the toughest of situations..

57.   I am an excellent communicator and present my message in an easy to understand and informative manner

58.   I manage and train my accounts effectively so that they are able to work with our system in the most efficient manner

59.   I maintain a positive attitude at all times and use the great training and skills I have to function at the highest levels

60.   I am grateful to have a great job with an industry leader in an exciting and vibrant industry

61.   I am creative and skillful in resolving problems and rely on an strong internal team to support my success

62.   I am the most positive person I know!

63.   I love what I do!          

64.   I am the best at what I do!

65.   I am open minded and inquisitive!

66.   I focus only on the things I can control!

67.   I strive to be educated on our industry to provide knowledge and insight for my customers.

68.   I create value to my customers each and every day.

69.   I am committed to being the best at my position.

70.   I listen effectively to create results that meet my customers’ needs.

71.   Being part of a team that works together to meet a cohesive outcome for all involved creates success.

72.   I wake up in a good mood everyday and I share that attitude with all the people around me

73.   I am resilient and bounce back from adversity quickly

74.   I provide exemplary service to my customers by being available and accountable

75.   I avail myself of learning opportunities and am a valuable and knowledgeable resource to many

76.   I can laugh at myself

77.   I will never compromise my honesty and self respect  to benefit in business

78.   I always treat business associates as if they are part of my own family

79.   I manage money well in both  my  personal and professional life

80.   I prioritize my responsibilities and complete the daily task at hand

81.   I am the key to make me successful in all aspects of my life

82.   I am on FIRE with 50 loans that fund consistently every month

83.   I attract 1- to 20 of the most amazing referral partners per week that have the perfect combination of loyalty, competence and passion to make a difference in the lives of many

84.   I consistently make over $1MM in income per year and tithe at least 50% to my church & causes that help thousands who are less fortunate

85.   I travel the country doing 200+ quasi motivational/sales presentations from the heart that generate millions of dollars in income and lives improved for the better

86.   I have an amazing life with balance in the financial, physical, family and spiritual areas necessary for sustainable success

87.   I do what I have to do so I can do what I want to do.

88.   When no one is watching is when I become a champion

89.   Big time originators make big time decisions in big time situations

90.   I surround myself with those with like values, morals and ethics at all times

91.   I am not a bad person who does bad things but a good person who makes mistakes and learns from them

92.   My customers love working with me and appreciate the service I provide.

93.   I enjoy challenging myself to find solutions to difficult problems.

94.   I can work harder than anyone I know.

95.   I have the drive, energy, talent and ambition to achieve massive financial success.

96.   I set extremely high goals and I have all the tools I need to reach them, so I will.

97.   I love lead generation so I do it every day!

98.   My clients trust me because I have their best interest at heart!

99.   Money is abundant and available to me!

100.                        I am a sales athlete and I practice all the time!

101.                        People like me!

102.                        I commit to only actions that I know I can resolve

103.                        I outwork my competition to be successful

104.                        I am confident in my ability to this job better than anyone

105.                        I think in a positive and productive manner

106.                        I am in control of my own actions and success

Positive Self Talk with Gary Michels

Hey All, hope you watched this morning but now watch it again on your own time and pull some additional points out to keep you going!

Click the link below to view:

http://www.apibroadcasting.com/first-california-mortgage-videos/
password- california

If you need the handouts click the links below to download them:
http://www.firstcal.net/pdf/Affirmation_samples.pdf

http://www.firstcal.net/pdf/Session_4_Positive_Self_Talk.pdf

We got your back! [HQ]

We got your back! [HQ]

Link to August 19 Coaching Call

Hi All,

Here is the link to yesterdays coaching call.  Sorry we had some issues with sound quality!  Thanks to Jeff, Jeremy and Scott for making this a great call.

http://www.box.net/shared/static/o9nr5tbd60.wmv

Information on New Federal Ruling

Hi Guys,  please below.   Thanks to Brian in Westlake for sending this summay, I found it much easier to read through than the other info I have looking at.   Overall, I do not have any major concerns.

Press Release

Release Date: August 16, 2010

For immediate release

The Federal Reserve Board on Monday announced final rules to protect mortgage borrowers from unfair, abusive, or deceptive lending practices that can arise from loan originator compensation practices. The new rules apply to mortgage brokers and the companies that employ them, as well as mortgage loan officers employed by depository institutions and other lenders.

Today, lenders commonly pay loan originators more compensation if the borrower accepts an interest rate higher than the rate required by the lender (commonly referred to as a "yield spread premium"). Under the final rule, however, a loan originator may not receive compensation that is based on the interest rate or other loan terms. This will prevent loan originators from increasing their own compensation by raising the consumers' loan costs, such as by increasing the interest rate or points. Loan originators can continue to receive compensation that is based on a percentage of the loan amount, which is a common practice.

The final rule also prohibits a loan originator that receives compensation directly from the consumer from also receiving compensation from the lender or another party. In consumer testing, the Board found that consumers generally are not aware of the payments lenders make to loan originators and how those payments can affect the consumer's total loan cost. The new rule seeks to ensure that consumers who agree to pay the originator directly do not also pay the originator indirectly through a higher interest rate, thereby paying more in total compensation than they realize.

Additionally, the final rule prohibits loan originators from directing or "steering" a consumer to accept a mortgage loan that is not in the consumer's interest in order to increase the originator's compensation. The rule will preserve consumer choice by ensuring that consumers can choose from loan options that include the loan with the lowest rate and the loan with the least amount of points and origination fees, rather than the loans that maximize the originator's compensation.

The Federal Register notice containing the final rules is attached. The final rules are effective April 1, 2011.

http://www.federalreserve.gov/newsevents/press/bcreg/bcreg20100816d1.pdf

http://www.federalreserve.gov/newsevents/press/bcreg/bcreg20100816d2.pdf

http://www.federalreserve.gov/newsevents/press/bcreg/2010bcreg.htm

Last update: August 16, 2010

Charlie bit my finger - again !

Two lessons here-

1) People will often act in predicable fashion and you should not be surprised
2) Social Media is AMAZING!  220,000,000 people have watched this video~!

Mostly, just enjoy because it is funny!

For $20 Bucks...who would wear a 3 piece suit and these socks?

Nope Chad...but that was a GREAT guess!  Lamka would do that!

Coaching Call 8-12-10 Recording and Slides

Hi Everyone,

We had almost 100% attendance today!  Great Job!   Please let us know if you have any feedback or questions.

Take Care,  Dan

Jeremy Slides

http://www.box.net/shared/static/uidnn9ocbq.ppt

Webinar Link
http://www.box.net/shared/static/xtd1s1jjh3.wmv

Some Wisdom From Rachel Kraines in Arizona

I was thinking watching Jeremy’s presentation, with Rates at a 50 year low and affordability at a 20-30 year low, this will be the best time in most of our lives to buy a house. If rates don’t return to these kind of lows for another 50 years, we will all be selling our houses and moving in to assisted living facilities when that happens. In addition, the chance that rates this low are coupled with this type of affordability occurs again within any of our lifetimes is minimal. Somehow we need to help quantify these numbers for people within their lifespan (as morbid as that sounds) to allow us to explain to people why this is such a great time to buy.




I think we also need to show people the value they are getting buying today while rates are 4.25 – 4.5 vs. 6.00, 7.00, 8.00 rates that we all know will come in the not too distant future. We need to show them the monthly savings they get from buying a home and getting a low rate today, and then how that savings over time can be invested and work for them, especially as rates begin to rise, and there are more higher yielding investment options.



Many of today’s homeowners have only owned in the frenzy, and they forget, that for most of history when you buy a home you live in it for 20, 30, 40 plus years. People have been so caught up in real estate as a short term investment, that they forget it really is a long term investment. We need to bring some longevity of thought back to the home-buying process and use that to help encourage people to buy today while it really profits them both today and in the long run.



Sorry for my wordiness here, but I really feel strongly that we can help people today make a financial decision today that will be excellent for them over the remainder of their lives. I am excited because it means growth for us, but in tandem with a really strong benefit to our clients. We may never see a better and more rewarding time to put people in homes as we do today, and I want all of us to get excited about that.



Just some thoughts, thanks.



Rachel Kraines

Asst Branch Manager

480.292.5492 Blackberry

866.557.8997 Fax

rkraines@firstcal.net



www.firstcal.net

Apps Up, Competition Down!

These next few months could be amazing origination months!  The herd keeps thinning and rates keep dropping.   There are countless orphaned Realtors out there!   Are you taking steps everyday to meet them?

Every minute you spend on a refi, obligates you to spend an equal minute generating purchase business.  This is how winners approach these times.

Origination News - Fed MBS Reinvestment Easy but Effectiveness Questioned

Origination News - Fed MBS Reinvestment Easy but Effectiveness Questioned

National Mortgage News - Some Skeptical of Rumored Fed Reinvestment in MBS

National Mortgage News - Some Skeptical of Rumored Fed Reinvestment in MBS

Link to August 5 Coaching Webinar

Anybody guess who that cool 80's dude is?  He was a high producing 20 year old FHA loan officer!

Here it the link to our coaching call this morning:

http://www.box.net/shared/static/nysnkhxvp5.wmv

Hi Guys,  Here is a link to download an ecopy of my book.  Don't be deceived by the title, Money is only a small part of Wealth.  Wealth to me comes from Health, Happiness, Balance, Friends and Love.  All of these things trump the physical creation of money. However, when you ADD money to the above, now you a life worth living!

http://www.box.net/shared/static/tumxvu8ry2.pdf

Key Performance Indicator We Discussed During our August 5th Coaching Call

Here is the link to the Key Perfermance Indicator that Tim shared with all of us! http://www.box.net/shared/static/3bco5qtgbv.xls

Mortgage Applications - US Home Loan Purchase Demand up as Rates Fall - CNBC

Rising Home Purchases AND low refinance rates! I hope you making some hay in this sunny sunshine. :-)

Mortgage Applications - US Home Loan Purchase Demand up as Rates Fall - CNBC

Coaching Call July 28

NEVER GIVE UP!


Hi All,

Here is the link to last Thrusdays Coaching Call! http://www.box.net/shared/static/l5t3u08kll.wmv
Make August a great month and start setting the stage for a killer fourth quarter!

Hi All,

Here is a quick two minute update on the CA Real Estate Market.  Upper end picking up and overall prices

have increased 8 months in a row.  Sales volume dropped signifiacanly with the expiration of the tax credit!

I hope you find this helpful!
http://videos.car.org/mediavault.html?menuID=1&flvID=8

Link the July 22 Coaching Webinar with Tracy Cavanagh

Hi Everyone,

Here is the link to yesterdays coaching call!  Thanks again to Scott and Jeremy for putting together such a great call!  What did you all think of Tracy Cavanagh?  It sure was nice of her to share her ideas with us!

http://www.box.net/shared/static/z9a0m7ixvd.wmv

I hope you all have a great weekend!

Scott and I attended the Mortgage Coach launch for their product "Edge"   You guys are going to LOVE this product!

Scott is hanging out with Craig Sewing and Tracy Cavanagh...we had a good time!

Bernanke Open to New Steps to Keep Recovery Going - CNBC

This is what I mentioned could happen, during my update this morning!

Bernanke Open to New Steps to Keep Recovery Going - CNBC


Make Hay while the sunshines!

This is for Chad James... Video

This was sent to me last week from Chau. http://techcrunch.com/2010/06/28/iphone-4-vs-evo-4g/ Sorry for the some of the language in this. The first person I thought of was Chad James. I'm also thinking of using this platform for Mtg videos.

Scott

Not Mortgae Related BUT hillarious! Thanks to Albin in Colorado!

Good Morning First Cal Loan Officers!

Happy Friday Everyone!   Ok, before we can call an end to this week, we must first look back at the list we created last Sunday Eve (You do have a list don't you?)   That list would ideally be titled, "What will I do to make this a great week?"   Now your job is simple, look back at that list, see if there are any gaps and fill them.   Most likely there are one or two things you can still do today, to end this week on a brilliant note!

Ok,

Here is the link to yesterdays webinar http://www.box.net/shared/static/fe18vu60ye.wmv    This may be one you want to review again in the future.   If you missed the webinar, I hope you will watch the video!

Have a great weekend...rest knowing you kept your commitments to yourself and completed everything you promised you would complete, to make this a great week!

PS:  Sunday, before bed, create a list with the title at the top "What will I do to make this a great week"

Hi Guys-

Here is the link to our new Lender Guidelines.   http://www.box.net/shared/static/yubpbmubtq.pdf

On July 12th, I sent each of you an email with the password to download this file.  You can also find the guidelines in your Public Out Look file listed under "Retail Guides".     There is a wealth of knowledge in these guidelines, keep them handy..they will increase both your knowledge AND your confidence when speaking to clients!

Now take this knowledge and go get some loans!  :-)

Dan

Coaching Call July 8, 2010

Hi Everyone!  Here is the link to our July 8 coaching call!  I spoke about how alter your belief system to easily get what you want! ttp://www.box.net/shared/static/pgk3bs5tck.wmv

Links to June 24 and July 1st Coaching Calls

Hi Everyone,

If you missed either of these webinars, here are the links to catch up.   Tons of great content!

http://www.box.net/shared/static/zc5v3bsiod.wmv (June 24)

http://www.box.net/shared/static/ryprfaorgh.wmv (July 1st)

Daniel Jackson does a great job on this video. He presents his facts very well and also does a great job explaining the FHA 5 year ARM.

This is worth watching and will help you understand how to use the tools at your dispose to grow your business. I am guessing Daniel is a recent graduate of the Mortage Coach CMC training. Let me know your thoughts!

http://mortgagecoach.utipu.com/app/tip/id/30782

Steve Gill...you should get this guy!