eSignature Legitimateness for Mortgage Quote Request in United States

How to eSign a document: e-signature legitimateness for Mortgage Quote Request in United States

thanks everyone for joining us my name is Nick Hershey I'm the president of the mortgage calculator we are a non-delegated correspondent lender that operates a little bit differently so I'd like to thank everybody for joining us today so we can explain a little bit more about what makes us special and different uh compared to most other lenders and brokerages and I'm joined here with our CEO Kyle Hershey we'll go over a live demo of some of the software that we've built and then we'll bring it over to Jose Gonzalez our sales manager over 27 years in the industry to explain a little bit more about the one-on-one support and help that we have so first part let me go ahead and pull up our web page here that hopefully most of you have uh checked out or joined from so I'll go ahead and explain a little bit more about these bullet points so we can kind of talk about them and that's really what makes us different so as you can see the big bullet points here we are all about leads training and the software so everything you're about to see is based on our software that we've built for us proprietary to us and it's built you know for us by us for exactly what we need to do so we have three full-time developers that are always working on this uh stuff to add improvements and that's really where all of the uh things that make us special really lie so let's go through the bullet points though here so we are non-delegated correspondent lender we're all about the software and the tools to scale your business so uh why are we a non-delegated correspondent that's really the first bullet point that we want to check out here and that's because because we are all about leads and in order to close every lead that comes through the door we need to have every loan option imaginable so when we're a non-delegated correspondent we can actually have the best of both worlds we have over 4 500 Logan programs where we are the lender with our 32 correspondent investors right we're the lender we close the loan use our money and we are the lender then if we have a special loan more like uh some crazy Fix and Flip or commercial type stuff that we don't necessarily fund ourselves we have over 70 wholesale lenders that we partner with where we can broker loans so what's important to us is that we are able to scale your business generate leads at a massive scale and of course close those leads by having the options for you guys so we've built this model out of FDIC Bank under a mortgage broker model under a non-delegated correspondent model and under a delegated correspondent model and we find that the non-delegated works best for exactly the reasons we highlighted here that we can wear both hats the same day with the same client even we can wear a broker hat and we can wear a lender hat at the same time in order to help our clients because that's what we're all about we get crazy requests for all kinds of different specialty loans and we want to have a home for that whether we're the lender or whether we broker that loan really doesn't matter to us as long as we're helping our customers so how do we make all this happen it's really all about the software so we have a fully integrated POS CRM loss most of you guys know those acronyms but basically everything that you need to do the loan One login for you one login for your customer so there's no other places you or your customer have to go everything happens in one place happens instantly happens frictionlessly and that's all done through apis so those of you familiar with the API method it basically means we can communicate with any of the platforms you guys are familiar with Encompass account checks cic credit uh all the appraisal AMC companies Google all the SMS Google Maps Zillow all that kind of stuff we can grab all that data through the back end with our apis so that allows us to communicate with all of the platforms and portals and tools that you guys are familiar with all through One login so our customers are able to go from name email phone numbers fill out a simple thing on your website any of our lead forms okay automatically put into the system where we can pull their whole 1003 gather their 1003 is all integrated in the system they can pull their own credit integrated in the system they can pull their own voi integrating the system and they're already put into Encompass with the credit pulled with the whole 1003 already ready for you to originate Without You lifting a finger this all happens instantly and automatically with the customer within minutes sometimes even seconds right so we have everything integrated where nobody has to go anywhere else and the part that really tops it all off is we need to have trainings we're very different than any other company out there so we want to make sure we support you guys with trainings and we're remote based so it's always remote based trainings whether that's live uh or the recorded uh trainings and the courses that we have so we have classes in our training center where you can do at your own speed anytime and then we also have our live trainings five days a week where we have different trainings and then we also have our Live support so from 10 a.m to 6 a.m Monday through Friday sorry 6 P.M Monday through Friday we have our processors in our Zoom room that can help get you unstuck right if you don't uh know how to pull something or you need to log in for something or you need to know what button to click for something you can pop in there they can get face to face they can look at your screen and they can click the button for you if needed so we want to make sure we're although we're remote and we operate in pretty much all 50 states we want to make sure we all are on the same platform and we all have the same at our fingertips at any given time in order to do these loans with our system here so the last bullet points here I want to go through these are kind of the ones that don't necessarily fit in the big categories there uh one thing that I'm really passionate about myself is the business purpose loans so dscr business purpose loans we can do in over 30 states without being licensed so your footprint doesn't necessarily matter so a lot of people come onto our team with one or two states and they can still do loans in about 30 other states without necessarily being licensed so it really allows you to expand your footprint and of course since we are all about non-qm we advertise pretty heavily to these spaces which gives you guys an opportunity to do loans outside your regular footprint again we're all about leads everything you see about the leads that Kyle will show you here in a second all the different places we get them is really simple we try to make it as simple as possible it's a 50 50 split so anything you see any lead source that you get from us make sure that you realize it's going to be a 50 50 split since we're so passionate about leads we also love to set you guys up with your own so if you have your own leads already going no problem we'll route your leads into the system if you need to set up your own campaign no problem you can go ahead and click a button and get started Kyle I'll show you guys how that works as we mentioned before we're all about the daily training so we have daily live trainings as well as well as the one-on-one team leader support call so I won't take away Jose's Thunder but that's really where Jose kind of comes in where you get these structure meetings on these one-on-one meetings where Jose can actually help you do the loan and help you click buttons on your screen uh when we do those one-on-one team leader calls we have our knowledge Center that's where our partners come in so with over well over 100 Partners we have all kinds of different resources and dollar Center videos tips matrices guidelines all kinds of different things along with stuff from our team right we'll add different tools and documents and stuff so there's thousands of Articles you can just search anything if you need to get unstuck from something or figure out how to do something obscure uh you need to just go into that Knowledge Center it's just one click away and you can grab what whatever you need there from any of our partners or from our resources we talked about the CRM um basically Kyle will show you exactly how that works but not only is it a CRM but there's a dialer system to that as well where you guys can Auto dial hundreds of leads per day uh with a dialer as well and as I mentioned our website is integrated with the 1003 so really that's where the smoothness comes in from your customer no matter where they land on your web page your portal uh whatever they do they'll automatically be added as a lead and go through the whole process in order to pull their 1003 if that's what we're looking to do and the final point that we always want to talk about no monthly fees no Tech fees no desk fees we've built everything that you're about to see and uh basically have it all programmed where we don't have to you know get some other service and pay-per-seat for you guys and pass that cost on to you guys so we want to make sure since we built everything for you guys all the tools you'll need in one spot there are no hidden fees of any kind so everything you're about to see is pretty self-explanatory we just want to make sure you guys understand since we've built all this software there is no other software or other systems everything's instant you get your website instantly you get access to all these tools instantly and there is no hidden fees so let's go through uh if you guys want to watch the video we'll put a replay up here so please watch this video if you need to catch up on it but let's go through the compensation plans which is probably why most people are here so we will start on the left side here where most people's eyes are drawn these senior loan officer plan obviously the goal is to get everybody to senior loan officer it does take a little bit of work to get there so let's go over that senior loan officers we want to provide 200 basis points commissioned which is a great commission for everybody that is on our conventional non-qm loans we're used to and that's two percent for those of you not familiar with basis points two percent commission so conventional non-qm those are the loans we're all used to there is different comp on helocs and reverse mortgages and Commercial mortgages and stuff so please click the button go ahead and read the comp structure if you want to check out all the stuff but about 90 of the loans that we do are going to be based on this comp structure now what is included with the senior loan officer gonna have access to all the tools we're about to show you access to all the company leads at a 50 50 split so if a senior loan officer takes a company lead from wherever that comes from Kyle will show you all kinds of different places they come from We're simply going to do a 50 50 split so they're going to make 100 basis points or one percent commission on those standard conventional non-qm leads that we're pretty much used to so pretty simple 50 50 split there's all kinds of different places those leads come from which we'll show you in a second the other benefit here of the senior loan officer the biggest benefit of all is not only do they have access to the leads but they have access to the referrals so whenever a loan officer can't do a loan uh or for some reason isn't ready to do a loan or maybe not licensed in that state they're going to refer that deal to a senior loan officer that's ready and knows exactly what button to press on exactly that loan and they will still make commission but the senior loan officer obviously receives that referral which is better than a lead right this is a deal that's already structured from your peers and of course our senior loan officers can then upgrade to team leader and help other people disclose and make more revenue from that and of course have some recruiting bonuses and some growth opportunities as well now the fine print how do you get there we want to make sure everybody closes six loans with our system it is different you might wear three uh wear your broker hat three times for three broker deals and three non-delegated corresponding deals they're very different the way we operate if you're not used to broker it's going to be new if you're not used to Nando it's going to be new so we want to make sure everybody knows how to do both can't operate our system so what do you start as everybody's going to start as a loan officer 150 basis points Great Commission but we're going to team you up with a team leader and of course Jose is there as well to help you structure and disclose your first six deals so you're gonna make a little bit less on those first few deals because we're going to actually help you hand in hand and actually click the buttons for you so 150 basis points on conventional non-qm that's 1.5 commission and that's on your first six deals now you'll still have access to all the company leads so if you take any of our leads you'll still make Great Commission 75 basis points which will be 50 or 0.75 commission if you're not familiar with the basis points still have access to all the software still have access to all the leads in the auto dialer and basically unlimited leads at a 50 50 split you'll have access to all the different lead sources and of course everybody can participate in recruiting bonuses the fine print here we want to make sure everybody's rocking and rolling full-time loan officers need to do at least one loan per month that way you're graduated within six months of joining you're going to graduate to a senior loan officer and be making more money and everybody's happy you're disclosing your own loans everybody's rocking and rolling now if you're not ready to make it full time you're not ready to sign that 1003 no problem we have people that are just getting into it maybe newly licensed maybe they're Realtors who are doing this as kind of a supplemental thing not necessarily full-time no problem this is where the junior loan officer plan comes in so if you're new or you're just getting into it this is probably the plan for you if you're not ready to go full time this is the plan for you you can still make great commissions 75 basis points commission and the whole point of this is you're not going to actually do any loans as the loan officer but you still have to be licensed to make basis points so you're still going to use your license you're still going to make Great Commission but you're going to refer this deal to a senior loan officer that knows exactly what to do exactly what buttons to press when and exactly how to close that loan to make you guys both money so you're gonna make 75 basis points or 0.75 commission for simply referring your family your friend your customer your client wherever you're getting these leads from your sphere to a senior loan officer that knows exactly what to do you're going to assist on that still right it's your family your friend uh whoever it is you're gonna still contact them help get documents you're going to learn the loan throughout the process so you're going to earn and learn at the same time you still get to earn a great amount but you're going to learn the process hopefully once you refer a couple deals you'll be ready to jump in full time and upgrade to a loan officer so we want to make sure if you're not quite ready to take it full time no problem join on this junior loan officer plan whenever you're ready to really jump in both feet you've learned on a couple loans you've learned from your senior loan officer peers go ahead and jump into the loan officer and start signing those loan apps start signing those 1003s so the bullet points here obviously the junior loan operators still get access to our system they're going to have access to our leads and our auto dialer not like all the leads necessarily Kyle will show you some of the differences there and the whole point here is to refer deals to senior loan officers that actually know exactly what to do and keep those files compliant and uh going through and closing for you guys on time as we all expect this is also the plan with no minimum production requirements so make sure if you're not quite ready to full time maybe you're a realtor and this is only on uh you know every few deals that you have you might do both sides or want to help on both sides no problem this would be the plan for you you need to be full time you need to be doing one loan a month to be a loan officer for any reason you're not quite ready no problem Junior loan officer plan is perfect for you and you still make a Great Commission so there's a few other uh points here on this page we won't go through some reviews and the licensing file will go over this at the end so for now let me go ahead and pass it over to Kyle who can do a little bit of a behind the scenes demo for you guys to show exactly how the software works so you ready yeah absolutely thank you okay so let's go through here today now of course once you join we'll go through a full uh training on this but just want to point out a couple things about our system here so first off this is our CRM pretty standard CRM here of course you get to take your notes and send emails and texts and they all pop up down here in chronological order you can set reminder tasks for yourself you can put people on action plans automated drip campaigns to text them and email them automatically all that kind of good stuff right but what starts to set our system apart here is our quoting system so you can actually using our quoting system here just get six pieces of info from your client without pulling credit without needing documents and within two minutes you can email and text them a quote automatically with a you can pull the pricing through our optimal blue API and you can text them and email them a nice pretty quote looking like this they can scroll over these things see what they mean it pulls in the Google Map automatically it pulls in the zestimate automatically it does the monthly breakdown of the taxes and insurance puts the estimated fees and of course has you here is the loan originator and you can attach your realtor Partners to this to your quote so your realtor Partners they absolutely love this they know when they send you a client not only can you quilt their scenario within minutes but you can also attach them to the quote so you're showing the client hey we are your team that's pushing this deal across the finish line for you so your realtor Partners they just absolutely love that now the coolest part about this is that the client can go ahead and click Start my loan application and they are immediately taken to actually create their borrower portal and start filling out their application so as you can see here they pop into their borrower portal they can start their loan application the 1003 is right here built into our system they don't need to leave the page they're prompted to upload the basic documents that we're going to need they can see their loan info they can see the Milestone of where their loan is at they can contact you immediately through here and message you so that is their borrower portal that they're taken to as soon as they move forward with a quote so you can start getting their application station their documents all that kind of good stuff now let me show you what it looks like on your end on the back end you can also help them fill out their 1003. you can also help them upload documents but most importantly you can request documents so let's say you need 12 months bank statements from them boom now you're requesting the 12 months bank statements and it lets them know we need 12 months bank statements click here to upload it you could also let's say you're going to change the entire loan let's say you know what this is actually going to be a dscr loan we can replace that packet there and now we're only asking for what we need for a dscr loan or let's say you know maybe you don't know what a VA loan for a self-employed borrower needs as far as documents go but the system does so it's going to then allow you to immediately adjust it so you don't necessarily need to know what basic documents you're going to need for each loan type you can also request signatures if you need a signature from them you can go ahead and do that and it's going to prompt them to sign it in their borrower portal so when they log into their borrower portal they can click one button and sign it they do not need to leave the page or go to any other site or e-sign program is already built in with our API and then of course you can request custom documents you know you're going to need XYZ for the underwriter they need this and uh then it's going to request that from them so you're controlling everything here through the system as far as you know collecting their 1003 Gathering their documents requesting documents and signatures and everything through here now once your client fills out their whole 1003 and they give permission to pull credit right there we pull credit instantly automatically we pay for that you do not pay for it and your client doesn't pay for it up front obviously you'll be reimbursed at closing but we pay for that up front so instantly automatically frictionlessly your client is going to pull their own credit essentially and it's already going to be in here so now they've filled out their 1003 they've uploaded documents we've pulled their credit automatically and when you click Encompass API here it's going to pull up our API within Compass so those of you who use Encompass look it's exactly Encompass but everything's going to be filled in the 1003 is already going to be in there the credit is already pulled and in there automatically just waiting for you and so you can originate the loan in here and also like Nick said you can order the voi the VOA uh all of these different things here with the click of a button you can lock the loan do cocs cancel the loan everything is right here in the system so you see how we can take a loan from being a lead to then communicating with them in the CRM to quoting them to Gathering their 1003 all of their documents pulling their credit verifying their income all that kind of stuff all in this one system from start to finish with One login for you and One login for the client everything is all in one system so now that we've talked about how we go from lead to closed loan let's talk about where the lead come from comes from in the first place right so there's a few different ways that we provide leads and I'm going to go through them right now first and foremost our Facebook leads those are from our ad campaigns Nick and I own a digital marketing agency before we got into the mortgage business so that's what we specialize in right is our digital marketing so we give our loan officers these hot fresh leads instantly as soon as somebody clicks on an ad for a dscr loan for example we send you a text immediately so you can call that client within seconds of them requesting to be called about a different product or an ad that we have up so I'm going to show you what that actually looks like in real time this is a real account that's actually getting text messages right now as we speak with leads as they come in so you can see here for my test account already this morning I'm getting purchase leads but look at this here's a team referral what does that mean that means a junior loan officer has already spoken to this client and gathered all the information that I need to send them a quote all I got to do is click here and go quote the client so so I also have regular purchase leads uh you'll see I have um National Business purpose leads here more team referrals again Junior loan officer already spoke to this person uh and again for National leads here I got Fix and Flip leads coming in here I even got some trigger leads coming in here so all of these leads look all of these ones have came in just today just today so far I've had the chance to grab all of those different leads so that is the first and foremost way that we provide you with leads another way that we provide you with leads is through our auto dialer so you'll notice here we have tons of different lead lists in here in our auto dialer everything from you know regular Facebook leads that we get to cold calls to realtor calls uh you know there's always thousands of calls in here for you to call in our auto dialer and our auto dialer you can call three four five hundred people in a day you press one button to drop them an automatic text message and email letting them know you called so if they don't answer you click one button and then you go right to the next call that lets them know sends them a text and email saying hey I just called about your purchase or your refi or whatever type of lead it is this is all automatic and happens instantly with the click of a button and then you move right on so you can call three four five hundred people in a day automatically leaving them uh texts and emails letting them know you called when they didn't answer so that is the auto dialer another way that we provide for you to work leads in our system is for you to do your own advertising so those same leads that we're giving you on a 50 50 split if you want to we can manage a campaign for you so those same ad campaigns that we've proven out that work we can copy those campaigns and put your budget on it that will send those leads directly to you with no lead split right so you can pump up your pipeline to get even more leads and there is no lead split on the leads because you purchase them with your budget right so you're taking our expertise our ads that we've proven out and we're just putting your budget on it those are going to you so you can close those deals without a lead split you know I like to talk about this example one of our loan officers Nicole our first deal ever as a loan officer was a one million sixty thousand dollar deal that Jose helped her turn from a conventional to that got denied somewhere else to a profit and loss statement loan that we closed here within 21 days right that that was her first deal ever as a loan officer it was from a lead from a Facebook campaign of ours that we do but it was from one of the leads that she purchased with her budget and so her 16 000 commission first commission ever as a loan officer sixteen thousand dollars she saved eight grand because she bought the lead herself instead of only taking our leads right so we're gonna provide you with tons of leads on the 50 50 split but you also want to have some of your own ads going so that you can close those same leads that we know work on your own or the ones that you purchased that way you don't have the 50 50 split on them another way that we provide you to work leads is to import leads so we give you your custom web hook here and we give you the instructions too if you're going to use zapier here to bring in leads from anywhere else that you purchase them so if you purchase leads from Zillow or free rate update or any of these legitimate lead sources they're going to have the ability to use a web hook or use zapier to get your web hook to bring leads into your system in real time so we give you the link in the instructions here to where you can purchase these from anywhere else and they come into our system in real time right so just like one of the leads we give you it's going to send you a text and an email with that lead tell you have a new lead from Zillow or wherever it's from that way you can call them and quote them and gather the documents and the 1003 everything in the system right so whether it's a lead that we provide you for free with the 50 50 split or lead that we manage your campaign for you or a lead that you purchase from anywhere else you can bring them all into the system instantly in real time the same way right so that is basically every way that we could provide you with leads or a way to work leads we do so here in our system now let's talk about the type of leads we get and why so let me go ahead and I'm actually going to have Nick talk about this Nick is kind of the lead expert here he's certified by uh Facebook as a media planning professional certified by Facebook as a digital marketing associate certified by Google as a Google ad search specialist and he's been doing digital marketing for 15 years before we even got into the mortgage business so I'm going to let Nick talk about uh his theory behind the leads what he targets and why so go ahead Nick and then we'll get into Jose sure so anytime we do our lead campaigns we want to make sure we do something special and unique so we've been focused on doing different types of ads than the big box retailers for about the last four years uh so even when we were at a bank we had a different strategy we're going more for uh investors and stuff um but basically the idea is we want to do the exact opposite of what the big guys are doing we don't want to compete with the billion dollar budgets and we also don't want to compete with the strategy of big box retailers which is to reduce you guys the loan officer commission to zero in order to get conventional Refuge at the lowest margin possible so that they can do the highest volume possible so we have never really been focused on that we've always been focused on doing something different so for us that really means non-qm because we're going to advertise to the customers that the big guys aren't so we're going to advertise with the self-employed borrowers at the big guys don't offer service to we're going to advertise to the investors that every type of investors the fix and flippers that are not being served by the big box retailers and not even being advertised to and then we're going to advertise and serve them with the products and services that will obviously provide solutions for them so what that means for us is the non-qm stuff so want to make sure we advertise with those customers provide them with the products and then of course teach you guys how to execute that so uh just like uh you want to go to a big box retailer for an investor with 100 rental properties because the big box retailer with someone that's making 10 basis points on the loan is not going to do a hundred rental property uh you know 1084 analysis but I want to teach you guys all how to do that so no matter where our customer comes on and what they click on we're still going to do the proper analysis start to finish the customers 100 properties qualifies conventional no problem we're going to teach you guys how to do that if they don't no problem we got thousands of loan products that still fit for them so we want to make sure we get those customers that are not being served we have the products to serve them and then we teach you guys how to do those products and then of course our rates are always great because we don't care which channel you guys use we're at a 2.75 margin no matter if you guys broker the loan or if we do the loan in-house as the lender so we want to make sure we serve our clients so we're always going to make the same amount you guys are always going to make the same amount no matter where we take that loan we want to make sure our first and foremost goal is to always serve our clients and that is especially important because we're getting all the crazy requests so since we're advertising the non-qm into the people who don't get served by the big guys we're getting all the crazy requests so we want to make sure we have a home for every loan so we have every loan that you guys have ever heard of if it exists we have it we have over 100 partners and that includes everything from of course all the conventional stuff remember if they come in they have 100 properties we'll still do the conventional loan if we can we'll still do the analysis but we can always go conventional VA USDA FHA then go into non-qm and then even take it a step further we have commercial we have land we have the Fix and Flip we have ground up construction we have the SBA stuff uh anything and everything you've ever heard of we even have loans that aren't even secured by property for Real Estate Investors like short-term rental property investors so tons of different options in order to serve our clients second mortgage is a big one for our investment properties uh so anything and everything that exists and if it doesn't exist I will add it the same day because we want to make sure we have a solution for everybody so even though we do advertise almost exclusively non-qm we still end up doing plenty of conventional loans most of your friends and family probably do conventional loans great we don't need to advertise to them you guys know them right so those are our clients we still do plenty of those loans and then if a customer comes in with 100 rental properties they just don't know they qualify conventional we'll still qualify them conventional and do the loan conventional no problem as long as we do the analysis correctly so uh Kyle always wants me to make sure that uh we talk about how we focus on non-qm but we're still always going to go from the top down and give them the best loan possible which in many cases might be conventional they just didn't know they could uh you know qualify so is that good enough for you.com yeah absolutely thank you all right let's go ahead and have Jose then talk about the support here and uh how he fits in here and then we'll open it up to questions so please drop any questions you have on that q a tab and uh Jose go ahead that's a real good point there that that you just mentioned nick uh because at the mortgage calculator we're always under the obligation to provide the lowest cost option to the borrower for borrowing sometimes it's the dscr the only option is sometimes they come to disclose the file and we realize that full dock is an option and we end up disclosing a full doc file so with that being said I'm going to jump right into what actually happens to for you know that addition of support and to be able to do these kind of a quality control checks on files right I mean we have uh our Zoom room which has live uh processing support and credentials and other basic matters that anyone can jump into at any time of the day during business hours and get those basic needs taken care of we have the team leaders uh that get alerts as well as the analo when it when an application where a quote is accepted you know the alerts go out so that meetings can get booked between the team leaders and the mlos to get that deal off to the correct trajectory from the beginning so the Lesser experienced mlos are those maybe just that I have an experience with their systems yet are not left spinning their wheels and trying to figure it out on their own uh we have our file structure meetings uh which occur at any given time when the mlo needs some additional structure assistance from their team leader or from management we are available to help you structure your loans as well and then like I was just mentioning we have our file disclosure meetings which is a requirement to uh meet for you know with with the mlo and with the disclosure uh desk to get that file reviewed make sure that all the eyes are dotted all the t's are crossed that it is applicable for the program being selected and like I just mentioned at the onset that it is the lowest cost best option applicable for the borrower they should decide they don't want to go with the full doc route when it is the lowest cost option for them that's fine they just have to let us know that in writing so that we can let the world know that we did our job properly and then once the file is disclosed the support doesn't end there as soon as your file is disclosed you will you will get another alert letting you know to set up your that your file has been disclosed and for you to set up a meeting with a processing team so that you can go over the file any loose ends on the file go over the next steps on the file ordering the services coordinate the effort with the processing team although the mlo will always be in charge of the file the mlo will not be passing the file off like a baton but will remain in in control of that file coordinating the effort and communicating uh throughout the process with the borrower and then as if it's not enough support you also have our internal underwriting team which does provide internal underwriting support to totally preview those files make sure the files are complete so that then the underwriting support team will then submit the file to the investors and all pertinent conditions and do some last minute tweaks oh and I did forget to mention our processing team uploads those files to the applicable portal for the MMOs so the mlos won't have to worry about multiple credentials through what all the different investors that we're approved with our processing team will upload and register that loan for you and then when ready the underwriting support team will submit that loan for you and tweak the file and submit docs so plenty of support here to give both our borrowers and our mlos that concierge service that we love to provide to make sure that no stone is left unturned that the best opportunity is offered to the borrower and that the loan closes on time of very important factors if you want to have a successful and sustainable career as an animal all right thank you sir okay so next steps here I just dropped the link in the chat to go ahead and sign up let me go ahead and share my screen one more time here and let's talk about the next step so you are going to go ahead and go to that link I dropped in the chat which is actually simple the mortgagecalculator.com join and you are going to sign up for the plan that is applicable to you once you click this link it's going to take you to fill out a form and then it's going to pop right up to the compensation agreement to join on that plan now you do not have to sign it right then take your time it'll email you a copy as well but when you are ready to move forward and sign that initial uh agreement that's what's going to kick off all of the rest of the next steps such as uh sponsoring your license and getting your employment documents and all that kind of stuff so go ahead and go to the mortgagecalculator.com join pick the one that's applicable uh and then go ahead and move forward once you sign that initial agreement that'll kick off all the rest of the next steps with that being said let's go ahead and stop recording Nick and we