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hi guys this is lisa here in arizona with lund mortgage and i'm excited to share with you um something that we started using this year um and it's called arrive and i'm very excited to get started and show you how many incredible things that arrive can do for you and your business and how it's changed my life with 2020 in 2021 post so many different issues that i haven't faced before in the industry whether it was learning to work remotely or building my team trying to navigate through these crazy times i realized i needed to create more efficiencies in my office and one of those ways is i needed technology uh previous to this i was using three different systems and my team would navigate daily to complete the loans in three different systems i was using calyx point which i've used for over 22 years i was using flowify and i was using my crm when uh 2021 came around and the new 1003 came about i was getting ready to pull out my hair and i said there has to be a better way calyx point just didn't step up to the plate and they weren't able to provide the new 1003 first of all until the day that we needed to use it and there were so many issues and quirks with it and i said there just has to be a better way i've tried different systems throughout the years in technology but really i just couldn't get away from three different systems so i decided to try arrive this year and my team was a little bit crazy because we are very busy at this time to start over in a whole new system and learn it but i can tell you um it was easy it was seamless and my team now never wants to look back so i was able to eliminate two out of the three systems i was using so arrive basically we use it for an los and a pos so it's internal communication and work we can work internal with my team and it also works client-facing so we're able to communicate with the clients we're able to send them applications create needs list so there's so many things we can do but basically i was able to eliminate two of my systems i still have my crm um and not only was that cost efficient but it created so many efficiencies within our work team uh one of the best things about arrives that i love is it is web-based so coming from a point calyx girl myself um it had to be downloaded on any computer that i used and it was not web-based so what's great first of all first off that i was excited about was that it is web-based i can basically log on from anywhere and work from anywhere so that gave me so many freedoms with everything that we were faced with in 2020 and 21. um so i'm just going to walk you through arrive and some of the features that i absolutely love and first here we have the dashboard um it's very appealing to the eyes and it's very easy to look at me as a business owner i love this but even as a loan officer this keeps track of your pipeline and it's really easy to read um as you can see here on the left hand side you have your pipeline statuses so whether you're a business owner and you want to look at your whole team or you have a team or you're just an individual loan officer this shows you where you're at during that month um so you know what to expect and what you need to do um so this will tell you how many apps are started how many applications have been completed um gone all the way through with your um client base how many have registered with the lender how many you've submitted to underwriting how many are approved with conditions and i'm gonna scroll down here just a little bit um there we go how many approved conditions clear to close docks out and loans closed so you have all of this right here to keep track of your pipeline as well as it goes a little bit further this will track your pipelines throughout the months as well and you can compare your months all here in one screen so you can see um this is a test screen but as of october we had one loan closed and this is a purchase with zero refinances for 480 000. um this right here in november one purchase here for 295 000. you can see your total loans funded and the dollar amount funded here this tells your purchase to refinances and even gives you your dollar amount down here this is great also there is many wholesale partners lenders that do work with arrive and i'll get into that a little bit later but you can see how many lender or how many loans you have with each lender um on here as well which is a great tool to have one of the other things that i like up here too is you can see your locks expiring and you can get alerts um you can set that up so you can get your lock alerts that's great for your processing team if you have locks coming up um you can set that up you know a day before two days before however you like to work your pipeline there's many tools to keep things like lock expirations right in front of you as well as needs outstanding so this is the dashboard and i feel like it's very easy to read um it gives you a lot of tools and um it's great to go back to and look up so i'm going to get in here i'm going to jump right into the pipeline so you have your loans and you have your leads this the leads will tell you how many people you've either sent an application out to that hasn't completed so when you're engaging with a new potential client you can send them an application but you can also jump in and help them walk through the process i've heard from many clients that the application process is very simple compared to other um tools or other pipelines that are application processes i have used so it's very simple easy on the eye i can jump in with the client at the same time i can help them finish it they don't have to complete everything at once to have that application i can go in later if they didn't complete something and fill that out so you have you can see what your leads are that necessarily ha haven't completed everything yet once you complete the leads and now you move into your loans you have different statuses here in your pipeline so you can see all your borrowers here and you can see their statuses whether it's application complete the app started registered with lender you have your different statuses here and you have a lot of different tools so this is your main pipeline you have your um last updated here so you have like a little calendar with your loan date so you don't actually have to go into the loan if you want to see your application date credit order date you can do that just from your pipeline without going into the loan it gives you your estimated closing date when it was updated 13 minutes ago here so you don't actually have to go into the loan to see a lot of information would i like to you can see your lock status here and what the interest rate is you can see your loan amount obviously conforming here you can see what lender you have it at if you've tied it to a wholesale lender at that point so i'm going to go ahead and hop into a file here and i'm going to do one that is registered with lender so when i go into a file you will just see how everything is so easy to the eye there's so much to see right away up here you can tell this is registered with the lender it gives your loan to value you can see your fico score here you can see your interest rate if this one is not locked your debt to income here so all of this is right here in front of you which i personally love i like being able to jump in a file and see this information if the client calls me right away i like to be able to go in here and see things that i need to without having to shuffle through things um so going through the application i guess i'm gonna start there um this is your loan center um just to show you a few things on here first this will give you dates of when it was registered with the lender and you are able to so when i was speaking earlier that i was getting ready i was able to get rid of two systems this will help your communication internally as well as externally so there's tools that you can set up to create milestones so when you set up these tools to create milestones set them up to however you like to communicate with your clients which gives you that freedom um so we set it up that when alone is submitted to underwriting and this button is hit right here let me hit it for you see how easy that is and you select the date and then you just hit save now anyone that jumps into this file in your office can see when it was submitted to underwriting but also we've set it up now an email goes out to our clients and you can they have something standard that goes out to them or you can go in and edit the milestones and create however you like to communicate with your clients which we did so then it will send out an email automatically when this is submitted to underwriting so now it's communicating with your clients as well and all my processor did or i did whomever does it in your office was hit a button the second it was submitted to underwriting now there are some wholesale lenders that do speak with arrive directly and sometimes when you submit the file to that specific wholesale lender it will automatically submit to underwriting for you but if not you saw how easy that was you can just do it as a click of a button the same thing with whenever you order an appraisal receive that appraisal payoffs title etc one of the things that i love um too is you can order title directly from here so hit the send email button and um you can see this comes up and this goes to um you can hit send and this will create a order title for you so this will give them the loan number the mortgage clause whatever lender you're set up with and you can literally order title just by the click of a button and hit send so say we want to do that here and then it will mark it in there for you that you have ordered title um so this gives you tools too so if your processor is working on a file and say that they're not in the office or it's earlier late and you want to know where you are with that file this gives you status states really easy to see and you can see the status of the file here if it's in process uh submitted sound already improved with conditions it gives you so many great tools just to be able to you don't even need to contact your processor at this time you can see where the file is at let me go back here first of all um to the dashboard if i'm wanting to engage with a client uh for the first time let me just show you and and you can use arrive on your phone on your tablet like i said pretty much anywhere it is web-based so you can do this from anywhere but if you want to create a new client and you want to send them an application from your dashboard simple as this you see this little button here it says new you can click on that and you can either do loan or lead so let's say that i am no this person wants to complete an application they're not just a lead that i'm going to have in my lead that i need to reach out to that is maybe i know that they're ready for an application so i can go here and i can click loan all i really need is to know are they interested in a purchase or a refinance a first name so i'm going to go ahead and use my name an email address a phone number if you have it but it's not necessary you don't have to have it and who the loan officer is you can either if there's one under there and at that time you want to choose an additional officer a loan processor but you don't have to basic information is all you need so you can hit create an application right from there with basic information once you create this application or this right here you can fill out any information that you may have but let's say you have nothing that's okay from this point you can go to this invite borrower and you can hit preview and edit email if you want and this will give you the email that's already set up to go out now if you want to change anything here and add your own information you're able to do that or if you like what it says it's simple comes with a link so that they can complete their loan application again it has all of your information here as well so it's coming from you um the subject is complete my loan application so you've engaged with this borrower they say they're ready to go you know they know that you're sending them an application and you can hit save down here and then all you do is hit send invite if you already know what it says and you're okay with it you can hit just send invite it sends them an invitation and when it sends them an invitation it gives them a way to create a password and login and they're able to log in securely and go through the application again they can complete as much of it as they want and if they don't complete all of it you're able to go into this at the same time as them on the phone and complete it with them as well it doesn't two people are allowed to be in the application at the same time and that goes internal as well so if you have a loan officer and you have a processor and the processor is working in the file and a client calls the loan officer they they're able to go into the application as well and update anything in the application and save it while the processor or anyone else is in the application which is great um because it you don't have to wait for someone to jump out to save anything which i love um being a point galaxy user for so many years myself if someone was in the file and i went to go in it and i wanted to change something i could not save it we had to go find out who was in it and then let them get kicked out or kick them out uh from our administrator and then we could go in and save this that's not the case with this so i love that so we can kind of go through the application it's very simple um the information and it looks great on the eye unlike calyx points not confusing you know you can fill out your purchase price here let's just do this let's say the down payment is 20 percent 20 tab automatically calculate your loan amount for you over here is going to over here right here is your payments so you can go in here and you can estimate your monthly homeowners insurance uh you can do your property taxes here let's just do 167. there obviously this is 20 down so you're not going to have mi but if you do have mi you can do calculated manual in here if you had that if you wanted to do calculated you can put in your percentage here or you can do manual um since it's 20 down it's not letting me do it but you can put your mi in there if you have hoa dudes you could put that in here as well and then you just go down here and you hit save changes that's one thing that you just need to realize is to save your changes so you can go through the application it's really easy to go through primary um it will tell you if this is if something is completed once you go through it all if not it's going to leave it read like this for you and then you can just go through this is your borrower information you have your demographics your declarations all here for you and then your financial information this is going to be your income you can add your income in pretty easily if this is self-employed mark this button you can let them know if it's a schedule c 1120s whatever it may be um here is your different income options so whether it's child support whether it's alimony whatever it may be you have all of your different income here you can do other there tip income whatever it may be so really with this application you have pretty much three screens to go through which is very simple your assets you can order credit directly from the application click this little button right here and when they go through the application they're going to give you authorization to pull credit which is great also so when you get to this credit screen it's going to ask you um it'll mark in here if they gave you authorization to pull credit or if you're on the phone with them you can mark that you have authorization to pull credit so this is the order credit button here i don't think it's going to let me go in there today um so also one of the other great tools that i love about arrive is there's so many things that we're going over today and i apologize i'm very excited about it and just the ease of use is so exciting for me but one of the great things is is once you get your application complete you can go to products and pricing and what i love about this is it's going to take your information from the application um and you pull your credit it's going to pull in your credit score it's going to pull in your loan to value it's going to pull in whether it's a conventional all of this information from your application you can also do advanced options down here if there's anything that you want to change when you're going to price this out so you can um go to the advanced options you can change everything make sure everything's okay and when you go to price loan on this simple button right here so when you set this up with arrive you're going to set this up with your wholesale lenders that are with arrive and your pricing and everything is automatically put into arrive so when you're pricing out loans it is actually your pricing with these specific wholesale lenders so i'm going to go here to price loan oh and then here to select lender now you can see all the wholesale vendors you have your system lenders and you then you have your manual lenders that you add in um system lenders are ones that are automatically signed up with arrive the other ones is you can get manually input in there so you can price out there's one that you use a lot also so say i want to compare a few lenders and pricing i can click as many as i want to let's do caliber home point in uwm once i do that i have it tells you i have three selected and i can hit price load oh it means and then it's giving me stuff in red on why i can't price it so i'm going to enter a zip code there what i love also about arrive is whenever you're inputting addresses or anything it recognizes the address you don't have to input the full address and it will pull it in for you um so now that i have that completed i'm going to go up here to price loan and this right here will give me pricing um for my different wholesale lenders and their products that meet the criteria that i have input into my application and you can compare them right here what i also love is it will tell me my ineligible products so if this is not the product that i was looking for necessarily it can tell me my ineligible products with these three wholesale lenders that i have chosen and it will tell me the reason why it is ineligible when i click on the little plus sign so it's a great tool to have you can price directly from here so again when i say that this created efficiencies for me i am not going to my separate wholesale lenders website and pricing out each loan this is quick it's easy i can do it while i'm on the phone with my client i can do an application right then and there i can go on a price alone write that in there i'm not jumping into different screens i'm doing it all from one screen and it is been a game changer for me um you can choose if if you think this looks great for you you can then choose which one you want if you're ready to move forward at this time um i want this one right here that's the one i want so if i'm ready to choose this i can click here and i can hit apply and this will also what i love is when you hit apply it will tell me my rate my apr if i have all my fees completed correctly which will get to that screen next it will tell me approximate funds to close my total principal interest taxes and insurance based off of that first page of the application that i put in there my estimated closing cost give me all of this and i can hit apply so now i have chosen the wholesale lender i want to engage with and then once you see that you complete something it will give you a little check mark over here and now it's pulling that pricing from that wholesale lender um and at that rate i've chosen so i can either hit continue to review fees down here or i can go over here to my little left hand side button and hit review fees this is my fee sheet and it is pretty simple to use really easy to look at um it'll tell me here my total closing cost in each box let me get here it'll tell me my down payment from borrower and my estimated cash from my estimated cash from borrower after i input my fees you can also if you use a title company regularly whether it's refinances or whatever you do you can set templates for certain title fees as well that will automatically go in here as well you'd set those templates there's so many i mean we could sit here for hours today to go over everything as you engage i just want to show you some of the great tools that has really helped my business so you can go through here and you can change um you know if what the rates and points are they're going to pull this from your pricing they're going to pull this from your pricing screen but if you want to change that you can if you want to add any fees in any section if i want to add origination fee here um you can add fees in any section and then you just have to save changes so say now that we gotten to the point where we've done the application we priced it out now we're ready to send that fee sheet to our client um it is really simple to send a faciate to a client and it is branded with your information so i can hit download right here and it may just take a minute to download and i can pull this up and this now has created a fee sheet that i can send to my client and it's branded with all of my information on here and it's simple for them to read up here as well loan officers information mls number phone number email address um so they can contact you easily gives you the initial fee worksheet it breaks out everything for you down here it highlights estimated cash from borrower and estimated totally monthly payment so it is an awesome tool i can send this directly to my client um now they have that fee sheet that is branded with me i'm gonna click out of this quickly um one of the other tools that i absolutely love and i use all the time in my processors love is the dual aus i am able to pull lp and eu at the same time from this system so if i'm wanting to know am i going to get an appraisal waiver okay i'm on the phone with this client i'm engaging i've already priced i've sent them the fee sheet now i want to know first of all is this going to approve am i getting an appraisal waiver what is it better to go with du or lp am i self-employed are they asking for one-year tax returns um you can run that simply from here in minutes it's done it's for you um we use this tool also let's say that we have a client in underwriting with a wholesale lender or the client calls in and they want 10 000 more cash out they have an appraisal waiver and we want to make sure before we do that coc with that wholesale lender that it's going to work we can go in here we can update our application and rerun the dual aus and see if we're going to get that appraisal waiver if we raise the loan amount by ten thousand dollars um this will also tell you at this point i'm unable to run to you to show you because i haven't ordered the credit or done of these things but it'll tell you what you need to fix to run it but it's simple it's a simple button you mark it and you hit run your dual aus from there um this is what i was trying to get to earlier here is your file contacts which i love um so when we were talking about how we use this for internal communication and external communication we can send the application to our borrower we can also ask for need we can ask them for needs list once we get to this point now they're ready to move forward we need to get documents from them and we'll get to that part next but you can also have internal uh communication and you can create where you can add people at different parts of there when it will show up in their pipeline as well in your um in your office so if i want to add someone a processor an loa at this point i can add them and it's going to show up in their pipeline now and this is your loan team you also have business contacts such as you can add realtors you can add title companies whoever you want to be in this area in your business contacts you can add them there and then your borrower's information is down here so this is internal here as soon as i add people at this point now they're going to see this loan in their pipeline um if you want to take out anyone at any point and say okay we don't need this loa anymore just the processor you can click them out and hit confirm now they're not going to see it in their pipeline um so that's your file contacts which i love so next we've done the application with them we priced it out we sent them a fee sheet let's go to our client needs list because now we need to ask them for their documentation so over here again i mostly work on the left hand side tool bar over here you have your clients needs over here you can either again there's so many tools and i will get into all of this and show you how to do it um we can stay here for hours but you can create templates that if it's a w-2 borrower if it's a self-employed borrower if it's a social security borrower that will if you hit auto generate it's going to automatically pull in the certain documents that you set up in your templates for that situation so you can do that which makes it simple but if you don't have that set up yet you can go in here and you can add the needs and they have preset ones for you already so they have assets as you can see here they have preset ones for you um disclosures if you want sorry let me get in here scroll down um employment offer letter cpa letter disability award letter um they have preset ones in here i'm just gonna um pay stubs w-2's is what i'm gonna click on for this one um here let me get out of this and you can read what it says here so pay stubs please provide copies of the two most recent year-to-date pay stubs document at least 30 days this is already preset for you if you want to add anything in here um you can add something whatever you may want to say to them in here um you can add that as well to what they've already pre-set in there or you can completely change what they pre-set in there w-2s right there you can also do custom needs so custom needs here you can do a custom document you can put it in if you want miscellaneous property income if it's in the income the title of whatever it may be and the description here so you can add you know whatever it may be add need and you can see that your custom is in here this right here is your needs list once it's everything that you're going to need for this client you can hit preview and send again this is going to allow you to preview the email that goes out to your client has all of your information on there gives them the link and they can upload directly to that application so again what i love is we are communicating to the client we are asking them for documents we're doing the application all from one system also when that client engages with you they update the application they go and complete the application you're going to get notification of that via email when they upload any documents you're going to get notification of that via email you can hit send to them directly from here again you can go ahead and change anything in the email that you want if there's anything specific you want to tell them from here now i have my client needs list so if your processor or whomever in your office or the loan officer wants to send this out you can see that you're awaiting docs and you can go in here to your client needs it also will tell you that they've uploaded zero of three items you don't even have to go in your client needs you can see that from here once they upload it you can go in and you can either accept the document or reject it if you choose to reject it you can give them a reason why unable to read the pay stub w-2 was cut off you send me 2017. you can give them a reason right here for the rejection and it goes back to them so they know why it was rejected it's not just you're being rejected you can tell them the reason why so they can go in and hopefully send you what you need or you can hit accept um one of the great things about this also is it's going to keep reminding your clients to send in these documents it's going to email them until you go in and accept it it's going to send out emails a reminder so you're not having to go in and saying who did i send out needs list to um have they sent it in yet it's going to be constantly reminding them so it's great also you have a place to keep all of your documents from that client in one space again if your processor is out of the office working from home on vacation and they want to make sure that the client sends in those documents because they're on top of it even on vacation they can literally log on from anywhere they can see that the client provided that documentation or if your processor's out of town and the loan officer doesn't have to go search through their emails because the client said hey i uploaded those docs how does that look that the loan officer can literally go in here everything is in one central location and this was a game changer for us um we were using points and flowify before we were using flowify for our applications to send out needs lists for our clients and we were having a login to that sometimes the clients would email us the conditions instead of sending it through 405 because we were sending them emails because we were working out of three different systems so this is all in one i'm able to do this all from one system the other thing i love is the internal communication i spoke about this a little bit earlier you can communicate with your team internally and have things saved to the file so within the setup options page here again my computer will get there you can create a loan narrative and what i like to use this for are things like client needs 30 000 cash back at closing uh client is going out of town from november uh 22nd through 28th you can put the main parts of the file right here in the slow narrative that anyone can go in and look at it which i love these are going to be the main things you don't want to put too much here i mean you can run it however you want um but that gives you a little narrative that anyone can go in and look and remind them or a huge cardinals fan um whatever you want to put here that you want everyone to see on this loan so you can put that in loan narrative but you also have your communication box here and let's say that the processor is out of town and loan officer goes in and that client called in they want to raise the loan amount ten thousand dollars they go in and change it in the system they just update it here's where you're going to want to communicate with your internal team whoever you put in your file contacts that we went over earlier down here you can then put an at sign here and it's going to bring up whoever you have in your file contacts so these are your internal team title whoever you want to talk to put the ad sign you can click on that you can leave them a note raised loan amount sorry cannot take eight ten thousand dollars you can put that in there and if you hit add note it will save it in the file but it's also going to email this person so if it this is my processor or my loa or whoever it may be not only is it saved in my files so they can go back and refer to it but it also sends them an email okay that loan officer now raised the loan amount ten thousand dollars i need to do a coc or i need to check with them to see if they did it provides this internal communication that is life-changing right then and there it emailed my processor you can also these three buttons here you can go back to your email logs the email logs are any emails that are sent out whether it is to client or internally you can have that you can have um activity logs so this is anytime anyone logs into this file so this is accountability right here if someone went into the file and changed the loan amount and they didn't put that internal note in there you can go back and see who was in the file at what time the other thing i absolutely love is one of the things that point calyx didn't do well at all is exporting your file when you want to send it to a lender um and it is completely simple when you want to export it there's a little button here obviously you see the 3.2 the export the 3.4 right here fannie mae and you can literally just drag and drop that into your lenders lenders site from here it's that easy on how you export it so like i said i can be here all day with everything that this system does but my main point is i was able to get rid of two systems i can work from anywhere we have the communication internally it has created efficiencies my processor doesn't need to be in the office loan officer doesn't need to be in the office we can communicate with each other we can communicate with the clients it's very easy on the eye you know from your dashboard how you're looking for that month how many loans are moving where they're at in the process um go through all of that you can price from this screen you can engage in you know select that pricing select that lender from the screen um you can send out your fee sheet you can order title there's nothing that you really can't do um from here is it is life-changing it really changed everything from us it is easy to use one of the other things that i love too is that arrive provides the best customer service ever um i don't know about you guys whatever system or loss you were using but i again i'm gonna go back to point whenever i had an issue or something was going on to try and get a hold of someone was almost impossible um i would sit on the phone for a while i would email i want to hear answers back right away and in our business time is money and it's everything so if there's any issues you reach out to the arrive team and they are on on it constantly with you um my computer's been a little slow but there is usually a little thing that you can get a hold of someone right away also on the arrive team let me see if i can get that to pull up over here um if you have any questions or anything you can literally contact them from here you can send them an email they're going to get back to you right away also one of the life-changing things for me as a business owner the one officer is not so much but um is call reports it used to take at least a day for us to complete our call reports but because you have all of this information in one spot it's constantly collecting this for you you can run pipeline reports easily and your call reports you can literally go in here and generate whatever quarter you want to do whatever year you want to do whatever states you want to do here um you can generate it as lo if you want you can generate your call report and export it and send it to mls literally in minutes literally in minutes it this was a game changer for me also i used to like i said spend a day on this and this literally gives you all of your information your application your closed loan data your revenue data you can see how much you've made um in that quarter your mlo data how many uh what loans that they've closed uh what dollar amount they've closed this was a life changer for me you can also pull your pipeline reports um and you can create certain filters and templates on different pipeline reports that you like to pull um you know you could see what locks are expiring in the next five days like i said there's so many things that you can set up that you know we do the day before our locks expire but then it email alerts us so we know what locks are going to expire the email alerts our processor and our loan officer but you can set that up in any way that you want um i'm not going to bore you all day because literally we could go through so many screens on this i just wanted to share the reasons why we are so happy that we switched over and how it's truly changed our business i mean the efficiencies has created that we were able to double our business from jumping on a ride with not extra people and no extra time this has created so much freedom not only for our loan officers but for our processing our whole team that we have it's created so much freedoms and we are able to close double the production with no extra time it's been a life changer so thank you guys for going through this with me sorry if the computer is a little slow at parts um but i just wanted to share this with you because i'm super excited since we jumped over to arrive and it's really changed our life you