Mortgage Broker and Loan Officer Closing System. Close More Loans in Less Time and Make More Money. Guaranteed.

MORTGAGE BROKER TRAINING MADE EASY...

Attention: Loan officers, mortgage brokers, mortgage bankers, processors and anyone else involved in the mortgage industry...this website may have the perfect answer and the information you are looking for. Take your career and your income to the next level! Read more...

Feeling Overwhelmed? Are You Struggling to Get More Loans?

Kick-Start Your Business And Learn How To Close More Loans In Less Time And Make More Money...

...STOP Wasting Time And Effort On Deals That Don't Close!

(Pictured above are my mortgage worksheets, I developed. My processor joked and nick-named it the "sink or swim system". Somehow the name stuck! Start earning more money today. Get a jumpstart on the industry and fill your sales pipeline.)

Click here to see more images of the worksheets and how they can help you make more money...

Here on this website, I offer a lot of FREE information for new loan officers and veterans alike. I want you to see--upfront--just some of the value I can offer you in your mortgage business. As you know, information in this industry is hard-to-find, so I'm sure you'll appreciate improving your skills and making more sales! I've always believed in the spirit of giving and that if you help enough other people succeed in life, you will succeed as well. I'm glad to help in any way I can. Read on...

I know you may be skeptical...please read this entire welcome letter--including the bonus items--before making a final decision. Invest just two minutes of your time, to see how I can help you be more successful. You won't be disappointed!

Dear Fellow Mortgage Professional,

I just want to let you know--upfront--that my system isn't for everybody. But, if you give it a try, I am certain it will help you close more loans in less time and make more money, no matter what your level of experience. Make every loan count.

Before you read any further, know that I am a real person (my office address and phone number are listed below), and the results my mortgage system can provide you, are equally as real. I don't expect you to believe me or anything I have to say. Why would you? I haven't even had a chance to prove myself yet. Don't just listen to me, try my full mortgage system risk-free...then YOU BE THE JUDGE. You can't lose!

Please read this entire website, including the success stories from countless loan officers and mortgage brokers who are currently using my "sink or swim" system to close more loans and earn more money. In today's challenging times, having a proven success system in place is absolutely essential!

If you are just starting out, or even considering a career in the mortgage industry, don't make the same mistakes I did. Save yourself hours of pain and frustration by using my step-by-step mortgage worksheets. Jump over the learning curve and start earning a "livable" wage immediately.

Whether you are a beginning loan officer, processor, or mortgage broker, my system will help steer you through the loan process from start to finish. If you've ever felt neglected by your manager, mentor, or even company headquarters, get the support you need and empower yourself. With my system, you'll be able to close loans on your own, and NOT have to rely on others for your paycheck. Don't be left hanging!

Or, if you're a mortgage "veteran" and have been in the industry a while, use my worksheets to free-up more of your time and streamline your operations. You'll be able to close more loans in less time, without having to "watch" every file. And your processor will thank you! (By the way, if you've ever encountered a tough loan that "never closes", then this system may be exactly what you've been looking for--stop wasting time and get those deals C...L...O...S...E...D!).

For branch managers or company owners, stop wasting time training inexperienced, new employees (they love to interrupt you and will ask a million "simple" questions). Give your loan officers and support staff the tools they need to be successful--empower them to take action! Use my mortgage system to automate processes, get more loans to the table faster and earn more money.

The Sink or Swim Loan Closing System ® will help you to reduce costs and cut expenses, making every loan you sell that much more profitable! You can increase your bottom-line immediately with very little cost. Close just one loan and the system has paid for itself many times over. And you can keep using it...loan after loan...commission after commission--that's the best part! It's yours to use and profit from forever, and works anywhere you do!

Even if you close just 1 extra loan (aside from your current pipeline), you would earn an additional couple thousand dollars a month, maybe more, depending on how you priced-out the loan and how much profit you built into it. Just think about what you could do with that "new-found" money. Read on...

Are You Tired Of...

...the constant back and forth with your processor and wondering what the status of a loan is?
...fumbling around for answers when a borrower or realtor calls you?
...not knowing all the information upfront, and getting too far into a loan only to find out that it will never close?
...wasting your time with customers who ask a million questions, while the good loans suffer?
...loans erupting spontaneously because you forgot to do "something"?
...having your loans rejected by underwriting or missing critical dates because your file wasn't organized properly?
...not being able to price a loan out accurately in the beginning, only to be forced to back-track and try to "save face" later on?
...not getting enough referrals and repeat customers?
...your income suffering and your pipeline drying up because you have to put out "fires" instead of originating new loans?
...working harder and not earning what your worth?
...feeling as if you have absolutely no control over your destiny?

Stop making mistakes and wasting time...don't let this happen again! Do things right the first-time around. The Sink or Swim Loan Closing System ® is exactly what you need to be successful. Read more...

Every day, as a mortgage broker, I learn from my mistakes. I'm not perfect and I don't know it all. But, because I learn from every loan, I know that in the future I will close more loans and make more money. Every file closed is a lesson learned, and it is the reason why I invented these mortgage worksheets.

Don't waste hours setting an appointment, filling out a 1003 application, collecting documents, running it through DO/LP automated underwriting, etc. and go nowhere! Here's what I do...I simply take out one of my Pre-Qualification worksheets (refinance or purchase), spend some time on the phone with the customer asking specific questions, and within a few minutes I know whether this is a done deal or not. I never even have to meet with the customer if I don't want to!

On the initial call, I know for certain if there are any potential pitfalls that could kill the whole deal or if this is a firm go-ahead. If the customer passes my "test"...then I fill out a whole application (over the phone, by the way) and fill out one of my Processing Guideline sheets for my processor, Nancy. Then I hand the file over to her, fully "packaged" up by me, and never look at the file again. She closes the file, and doesn't have to ask me a million simple questions regarding the loan.

We have a golden rule in my office, once I hand over a file...my processor HAS TO KEEP IT and is NOT allowed to give it back to me. That way, I can focus my time on bringing in new business and making more money. This helps for steady paychecks and eliminate the ups and downs of the mortgage business. It's a win-win situation. Good rule, eh?! :-)

The Sink or Swim Loan Closing System ® is a set of mortgage loan pricing and processing worksheets I developed over many years in the mortgage industry. These sheets cover both types of loans: purchases and refinances; and will work for conforming, non-conforming, jumbo, sub-prime loans, second mortgages, home equity lines of credit (HELOC), FHA loans, VA loans, and commercial properties. They are guaranteed to help you streamline your business and close more loans in less time and make more money.

(By the way, my processor, Nancy, was the one who nicknamed my worksheets the "sink or swim system"...over the years, she has helped me evolve my step-by-step method). These sheets work will work for any loan officer, mortgage broker, mortgage banker, originator, or any related job function in the mortgage industry in any company and any state. I have never seen anything like them, and they are not offered anywhere else.

Remember, there are only three ways to grow your mortgage business:

Increase the number of customers you have.
Increase the length of time they stay with you, through repeat business and doing a good job.
Increase the amount of money earned on every loan by doubling or even tripling your commission through effective pricing.

Try any one of these methods and you'll see your income increase. But, do all three by using my Sink or Swim Loan Closing System ® and your income will skyrocket! GUARANTEED.

Here's Who Will Benefit Most From My System...

Loan Officers
Mortgage Brokers
Mortgage Bankers
Loan Processors
Real Estate Agents
Small Banks and Credit Unions
Real Estate Investors
Seasoned Mortgage Veterans
New people who need a little "extra" help.
Anyone else involved in the mortgage industry who wants to close more loans and make more money!

All of my worksheets are extremely detailed and leave nothing out. You will not be disappointed. Be sure scroll down and zoom in on the pictures of each sheet to see all the details of my system! You'll see why I have very little fallout on deals, once a customer decides to commit.

This Is The Same Loan Closing System As Seen In...

My System Works For All Types Of Mortgage Lenders, Brokers & Wholesalers! It Also Works For Net Branches And Loan Officers Who Work From Home. It Will Work For You Too! Guaranteed.

Don't Just Take My Word For It...Hear What Actual Users Of My System Have To Say...Click On The Links Below! :-)

Here are some unbiased real-life audio testimonials from some of my current users of my Sink or Swim Loan Closing System. Just click to open in your media player. They are in .wav format and are very interesting. Please Note: If you are using dial-up service, you may want to right-click on your mouse and download the files to your computer first before playing them, to make them play easier. If you have high-speed Internet access such as Broadband/Cable/DSL, simply click to play.

Please listen to all the audio clips below to get a sense of exactly what my system can do for you! They are extremely powerful...

>>>>>>>> Click here to see a printout from a recent commissions report with my biggest month ever! <<<<<<<<

The Feedback To My System Has Been Tremendous! I Get Emails Like These All The Time...

"I've found them to be really helpful when talking to a client on the phone, tons of info I need without fumbling around with questions I might have forgotten to ask. I've only been using them for a short time, but it has indeed proved to be well worth the money. Just the savings in time to make this list is immense and I would never have been as precise as your questions here."
Jack Henson, Capital Access Mortgage
Delaplane, Virginia

"I have been doing this for four years and I have never seen forms like yours, great job. This will make me very efficient."
Shona Clark, Allied Mortgage
Lees Summit, Missouri

"I just downloaded the information. WOW! This is very comprehensive and more than I bargained for. The information is detailed and thanks for the ability to "own" the forms by making them editable. No stone has been left unturned. Looking forward to receiving my first newsletter, that will probably be high quality too!"
Joyce Reese, Clarion Mortgage
Carson, California

"I am very impressed with all the information I have received. I have a feeling if I put faith into myself and follow your program I will succeed."
Tina Mulawa, Beacon Financial Inc.
Southfield, Michigan

"I ordered your sink or swim system and printed it out last night to use today at my job. Let me tell you that I was amazed how straightforward and easy to follow they were. I was able to use the prequal forms for both a purchase and a refinance and wrote my first loan today!!! An FHA purchase in NY! I'm going to finish getting the refinance in tomorrow (hopefully). I'm convinced after using your product for less than 24 hours that this will help me in my career as a loan officer. I've been in the business only eight months and this is definitely going to help me reach my goals. Thank you very much. Again, please subscribe me to your newsletter."
Garrett Pendergast, United Mortgage Corporation
Northport, New York

"I am blown away by the value of this product. I am using your system and recommending it to every loan officer I meet."
Christopher Cruise, Mortgage Trainer for LenderTraining.com (Part of the Quick-Start Mortgage Publishing Group)
Silver Spring, Maryland

"This system is great...I just received my license and I spent many hours at Barnes & Noble book store looking for books on being a loan officer. These worksheets were better than any book published. Mr. Lawrence, you obviously put valuable time and effort into this. I did my first pre-qual last week and the sheets made it easy for me to get all the information needed...as stated, my client chose me because they thought I asked more questions and seemed more concerned about their refinance. All I did was follow the info on the worksheets. Man...you got me wanting to do work on Sundays! Awesome product!!!"
Andrew Flye, First Choice Mortgage
Pearland, Texas

"...especially helpful in teaching inexperienced staff. Great detail! You've broken down all the individual steps I need my staff to do. We've deleted steps not appropriate to our market, like those involving attorneys. It's nice not to hear 'uh-oh' at the pipeline status meetings anymore!"
Mark Chilson, SF Funding
San Diego, California

"I've been on vacation so I'm just catching up on email. Just wanted to let you know your sheets have been great and have organized my thought process. Since I am relatively new (6 months), it has focused my activity on the questions/answers that I need to get in order to be productive. Great job and thank you."
Barry Lynch, CTX Mortgage
Leesburg, Virginia

"Put your forms to good use today and I love them. I am new in the business and there have been some hiccups with processing staff and such. My initial reaction was that they were exactly what I was looking for: in depth, thorough and leaves nothing to chance...would have taken me months, if not years to put together that much experience in one concise form. Great job! I am very glad I purchased them."
Lisa Lewis (starting her own mortgage banking firm, name to be determined)
Fairfax, California

"I want to thank you for the Sink or Swim Loan Closing System ®. I am a newbie to the mortgage industry and I found that using your system allowed me to feel much more professional when I would take a loan application. The worksheets flow and have all the information to get going, I know they have saved me time. Before, I might have forgotten to ask the questions or collect needed documents. Not anymore! To people wondering if they would benefit from this, I would tell them to go get it! You have done all the work to make their jobs easier. Thanks again for the update."
Jack Heinzeroth, Florida Mortgage Trust
Cape Coral, Florida

"Just got your forms and am very pleased. A well though-out set of documents that cover the wide range of loan products we use. We moved a couple of tasks from loan officer to processor and your system was very complete. Every time I have made changes in the past they are most often the result of some painful learning experience. Benefiting from someone else's experience is better."
Bob Mauldin, Ocean West Funding
Cedartown, Georgia

"...helped us to be more efficient and has increased communication between the L.O.'s and processors. It has been extremely helpful to the new loan officers we have...I tell them to use it, it will help make you more money."
Jeanie Budge, eMoneySolutions
Salt Lake City, Utah

I've helped hundreds of other loan officers improve their business! Read more success stories about my system here...

Benefits Of The Sink or Swim Loan Closing System ® At A Glance...

The entire loan process is presented in a straightforward step-by-step manner. Just follow the worksheets line-by-line, as they guide you from first contact with the prospect...through processing and underwriting...up to the closing table. Nearly every "landmine" has been accounted for and no step is left uncovered. De-stress your office and put yourself in control of every file.
Convert more prospects to customers in less time by getting all the correct information upfront. My system trains you to ask for information that isn't covered on the standard 1003 application or in any loan origination software (LOS) such as Calyx Point, Genesis 2000, or Byte--information which is crucial to ensuring a speedy closing. Set yourself apart from the ordinary loan officer...99% don't ask the detailed questions that I do. Competition-proof your business by asking the right questions at the beginning, instead of piece-meal throughout the process.
These sheets are designed to help you push loans through quickly, and build your business to a critical mass (namely, having enough happy and satisfied past customers to generate a steady stream of referrals...that is where to real money is). My worksheets integrate several marketing tools to help you ask for referrals at several points along the process. There is even a "lessons learned" area on the sheets to help you NOT repeat the same mistake twice.
Also, by pushing the file up to a certain point and completing all fields on the forms, you will be able to effectively "pass" the folder over to your processor and have her focus on closing the loan quickly. Stop feeling swamped! The Sink or Swim Loan Closing System ® works in an automated way and frees up your time so you can concentrate on originating more loans. Don't get burnt out by volume. Free yourself from the office and go get more business! Work smarter--NOT harder.
We all know that half the battle is winning the customer over. These worksheets will help you to set manageable expectations with the customer and reduce the amount of unnecessary phone calls which can take-up your day. By confronting pitfalls early on, you gain credibility in the eyes of the customer and protect your reputation. My system will help you manage your time more efficiently and keep realtors and buyers from breathing down your neck.
Stop rate-shoppers cold! My system helps you to gain customer commitment early on, reducing loan "fallout" from nickel and dime rate-shoppers. For example, we do not lock a rate until after we collect all of the customer's documents, run the file through automated underwriting, and have already ordered the appraisal. Then we leave it up to the customer to decide the optimum time to "lock" the rate. This way, customers feel as though they are in control and are less likely to rate shop. My system will teach you how to sell a loan this way.
The worksheets are organized in such a way as to absolutely minimize the amount of out-of-pocket expenses to you. For example, we always collect the appraisal and credit report money upfront--NOT at the closing table. Also, I used to lose a lot of money by ordering the title work on a property too soon. Now, my processor only orders title work after we have received all of the signed loan disclosures back from the customer. Title work typically takes a week or two to come in, so by ordering it much later in the process, we have saved our firm thousands of dollars in lost revenue. (I hate paying title work bills from fickle customers who don't close). The worksheets are ordered in such a way as to reduce these incidental--but costly--charges and expenses.
Eliminate peaks and valleys in your income. The worksheets are designed to help you charge higher fees at a lower cost of doing business. Wouldn't you rather have a few loans loans at $2,000 to $3,000 each, rather than ten loans at $500 to $800 each? (By the way, my average fees per loan are $2,200 to $3,400 each). Less really is more! Learn how to become consistent with your sales and price-out your loans for maximum compensation.

Here is a recent printout of a commission report with my biggest month ever...

Tired of getting too far into a loan, only to find out it will never close? Improve your closing ratio and reduce the amount of time spent with customers who waste your time. I used to spend hours with a customer...taking an application, gathering documents, pulling credit, etc., only to discover that there was absolutely no chance that the loan would close (that was before I invented my system). Now, I simply fill out one of my pre-qualification worksheets and I know with reasonable certainty if it's a done deal or not. As my processor Nancy says, "quickly kill them or keep them". There is nothing worse than spending valuable time on a file headed for the trash bin.
Keep deals from blowing up in your face. Know exactly what the underwriter needs and learn how to package your loans for approval. Don't get rejected because you forget something minor or weren't organized. Take control. My system teaches you how to package your loan in the best possible light and even helps you form a "back-up" plan in case things don't go as they should. Because everything is written down in excruciating detail, you can easily submit the loan to another investor (if needed) and get the file closed soon!
If you've only been selling mortgages and not processing them, what would you do if your processor up and left your company? You might be in trouble! Keep more of your origination dollars and learn how to process a loan yourself in a simple and easy way. (The most successful loan officers and mortgage brokers are those who can do both sales and processing, if called upon). My system teaches you how to process a loan and keep more of your money.
Need to train someone? Or are you planning on hiring any new loan officers anytime soon? Give them an advantage and a "crutch" to stand on, until they get their footing. These worksheets will save you from endless questions and "beginner's" mistakes. Your new loan officers will become a new source of profit more quickly instead of draining you of your resources. (I've even used the sheets to train Nancy, to sell too! When things get slow, she picks up the phone and starts drumming up business herself!)
And much, much, more...why re-invent the wheel? I've done all the work for you! Close more loans in less time and make more money.

Special Features Of The Sink or Swim Loan Closing System ® At A Glance...

All the information about a loan can be found in one place. With the step-by-step checklists, anyone can pick up a file and know exactly where a loan is on it's way to the closing table. No confusion and no mishaps. Save time by not having to go "back and forth" with your processor.
Customizable to your business. Every component of the system can be modified to suit your needs. The worksheets come delivered in Microsoft Word format so you can edit them.
Works in all types of selling environments--both low and increasing rates. The marketing components and follow-up activities help to recession proof your business.
Can be used for all types of loans--both purchases and refinances.
My Sink or Swim Loan Closing System works for conforming, non-conforming, jumbo, and sub-prime loans. Also works for second mortgages and home equity lines of credit (HELOC). And even if you do loans for FHA , VA, or commercial properties, you can use my system to close loans just as quickly! The system can be easily modified to suit your exact loan type, no matter what it is!
It's approved for Fannie Mae, Freddie Mac and any other lender's underwriting guidelines.
This system isn't just for loan officers and mortgage brokers. It can be used by real estate agents, investors, brokers and anyone else in the mortgage industry who need to pre-qualify a customer. Why waste time on a "dead" deal? Save time and endless frustration!
Works in every state and in all areas of the U.S. It doesn't matter where you live! Or how you actually close the loan (with an attorney, title company or other).
Also, works in Canada, Australia, New Zealand, and the U.K.! (You can adapt the system to other countries as well).
Tried and proven by hundreds of loan officers in the industry and at all levels of experience, from beginner to veteran.
Follows all real estate HUD RESPA guidelines, rules and regulations. Remember to follow the ECOA (Equal Credit Opportunity Act), submit all applications to an underwriter for review, and save all application materials for future reference. Stay in compliance and out of trouble...the Sink or Swim System helps you to be fully prepared and have all the necessary information ready, in case of an audit. Don't take chances!
Inexpensive and affordable. Make many times the return of your investment. Close one loan and the system is paid for!
100% No-risk guarantee. If it doesn't help you close more loans, simply return the system and I will refund your money. No questions asked.
Immediate download, no shipping charges. Start using the system today and make more money now! Read on...

The core of the Sink or Swim Loan Closing System ® are the: purchase and refinance pre-qualification loan pricing worksheets and the purchase and refinance processing guideline worksheets. The rest of the system (the other worksheets listed below) are components which further streamline the process.

The two Pre-Qualification mortgage worksheets (refinance and purchase) enable you to gather very specific and detailed information from the customer, you will need in order to sell and price the loan out accordingly with many different investors and lenders. (This information isn't found on the 1003 or a typical loan application). Anyone who has been in the industry knows that there is a lot of information you must know UPFRONT in order to price a loan out accurately--things such as how much debt they are consolidating, any cash out needed, what are they escrowing in terms of taxed and insurance, property type, how many floors (if condo), etc.

I have written down all these determining factors and loan scenarios and have organized it into a pricing system that ends most deal killers upfront. Also, I use my worksheets as a rapport building tool and to stop those one-track-minded "rate-shopper" customers COLD. The sheets have been very helpful to me when trying to uncover exactly what the customer's true "secret" motivations and hot buttons are...exactly why they are doing the transaction.

The eight Processing Guideline worksheets (four pages for refinance and four pages for purchase) enable you to package up a loan, hand it over to a processor and never look at the loan file again. It covers all the information that processors need to know to in order process a loan, but isn't known without constantly asking the loan officer--and the loan officer having to remember it!!! (I have a horrible memory, by the way. And with the amount of volume I do, I wouldn't even want to try!)

The Processing Guideline sheets answers things like...is the customer escrowing both taxes and insurance, are they willing to bring money to the table, will they be available within the next 30 days in order to close the loan within the rate lock period, etc. These are things that can potentially destroy a deal. My processor and I learned the hard way and every time we hit a bump in the road, we wrote it down--vowing never to let it happen again! Learn the hard way, or learn from our mistakes.

The processor can even use the forms as the loan file progresses up to the closing table. There's room to track the status of appraisal, title, and subordination liens. Critical dates are highlighted too, so you always know what needs to be done when and are always in control of the loan file.

Besides the two loan Pre-Qualification worksheets, and the eight loan Processing Guideline worksheets, the other sheets included in the system are:

Appraisal Order Sheet (includes items such as full contact details for borrower, best times to see property, and value expected, etc.).
Title Order Sheet (includes items such as ordering instructions, list of items needed back from attorney or title company, as well as many other fields which help streamline the process).
List of Docs Needed from Customer (helps you collect all documents from a customer upfront and all at once, not one-by-one).
Fax Cover Sheet.
Underwriter Cover Sheet.
"Sample GFE" Sheet (for sending loan proposals out).
Appraisal Has Been Ordered Sheet (to keep customers alert of status of appraisal and to ensure that they follow through with things).
Call Log Sheet (helps you track your conversations with the customer...very, very useful).
HUD "Buying Your Home" Disclosure.
Consumer Handbook on ARM's Disclosure.
Home Equity Disclosure.
And much, much, more! All sheets are extremely thorough and used in conjunction with one another. Scroll down to see pictures of each...or click here to see some of the detail up-close.

Also, you get...definitions of all acronyms used on the worksheets, full instructions on how to use the system, and examples of the sheets filled out. Everything you need to be successful is included.

We all know, that there are many things that need to take place in order to close a loan successfully. Some steps need to happen BEFORE other steps. While there are steps that can happen concurrently with each other. My system organizes what needs to get done and when, in a straightforward step-by-step manner, putting steps that take a long time to complete ahead of shorter-term steps that can be completed while the longer-term steps are underway. This way, the loan process is significantly accelerated, you can close loans quicker and make more money sooner.

I've also organized things to minimize the amount of upfront, out-of-pocket money, that will be spent on a customer. (For example, we do not order title work on a property, UNTIL the signed loan documentation is received back from the customer and the loan is a definite go-ahead). Customers must always pay for their appraisal and credit reports upfront and with a credit card. Why spend money on a worthless customer that will never make it to the closing table? Customers shouldn't cost you money to stay in business!!!

With my system you are guaranteed to close more loans in less time, with very little "fallout" from dead deals. Eliminate deal killers upfront. I provide a full explanation on how I use my system and how you can adapt it to your company.

My processor, Nancy, once joked that closing a loan was like landing a plane--you've got to steer, adjust and navigate a hundred different things in order to make it to the table. One single mistake could cost you big time! She's right!

Here is a brief list of things which could hold-up your commission or even potentially kill the whole deal. Nancy and I always make sure we check these (and my loan closing system helps us to remember to do each and every one!):

Not having a copy of the appraisers license in the file.
Wrong middle name, or missing initial. Not having Jr. or Sr. listed on the name, if applicable (this holds up your title work/mortgage recording and could blow the expiration on your interest rate lock).
Attorney not being on the lender's list of approved closing agents (another big no-no, how would you like to tell the customer that you have to use a different closing attorney and this time he's more expensive!)
Not knowing about or forgetting to subordinate a second lien on the property such as a second mortgage or home equity line of credit "HELOC". This will hold-up your loan for a good 2-3 weeks, maybe longer!
Forgetting to separate out the escrow information from the mortgage payment on the credit report, and accidentally "double-debting" the borrower, making their debt-to-income "DTI" ratios way out- of- line and disqualifying the loan (uh-oh!).
Not remembering to add an extra mortgage payment to your pay-off amount to cover any interest remaining on the loan (this helps give you a more accurate pay-off amount and make the figures on your Good Faith Estimate "GFE" much more exact).

Do you remember to do these things on every loan? There is simply too much to remember. Don't leave your commission to chance. Use my system and you won't forget.

We all know that every loan situation is unique and many types of problems can arise on the journey from first contact with the customer up until the closing table. Tell the customer the wrong thing, misquote a rate, or forget to do one of the necessary loan processing steps and you risk losing your $2,000 to $3,000 in commission or even higher (if you are a super-salesperson). This used to happen to me, I lost money and had angry customers breathing down my neck (but I chock that up to experience and learning). Every loan closed has been a lesson learned.

It hurts when deals fall through, especially after wasting all this time and effort on something that doesn't pan out. There's nothing worse than having to backtrack and tell a borrower that you goofed up and can't do the deal. I absolutely hate that feeling! And that's one of the reasons why I developed these worksheets. Don't let this happen again!

You know as well as I do that a customer could "shop" you at any minute for a lower rate. That's why it's important to get them in and out quickly, BEFORE they change their mind. Some customers think nothing of walking right before closing, because they think they got a better deal elsewhere. And that's after wasting hours of your time, leading you on, and tying up outside third parties such as appraisers, lawyers, title people, etc. Not to mention ruining your reputation! It's horrible! Just think of all the money lost and deals you could have saved if you had just gotten that last loan through quicker. Using my system will save you hours of aggravation, make you more money and put an end to most rate-shoppers.

My method, streamlines the entire mortgage loan process and my worksheets guide you step-by-step and tell you exactly what you need to do to get the deal closed. Produce more volume and you will make more money. (From using my system, Nancy and I have closed loans in under two weeks--start to finish! She's great and the biggest asset I have. I am extremely lucky to have her).

The Sink or Swim Loan Closing System actually contains many marketing components within it, so you can up-sell and generate referrals from your customers at every step throughout the loan process. Yes. There are other so-called "mortgage systems" being sold on the Internet, but you'll notice that these are actually just marketing systems--NOT loan closing and processing systems. And their cost is usually several thousand dollars. My system is a fraction of the price and actually helps you get the deal done. Remember, the best marketing "system" in the world is useless if the loan never makes it to the closing table. Get all the prospects you want, but if you can't sell and close them effectively...you've earned nothing. Use my system and you will definitely close more loans and make more money.

By the way, if you are new to the industry or considering a career change, my mortgage worksheets can even help you get a job in this lucrative field. My system includes specific information on how to get started in your new career as a loan officer. Imagine approaching a company with a proven success system in hand. You will be able to hit the ground running and become a top producer in no time. (Of course, your determination and individual results may vary, but think of all the headaches you will be able to avoid!).

Believe me...over the years, I have made my fair share of mistakes and lost good deals that should have gone through. Jump over the learning curve and learn from my experience. As part of the system, I've included some specific information on how to get started in the industry and find a mortgage job.

Here's What You Get When You Order My Sink or Swim Loan Closing System ® ...

All worksheets are customizable to your business, delivered in Microsoft Word format. Click to enlarge in a new window...

Purchase Pre-Qual Worksheet Purchase Processing Guideline Worksheet Purchase Processing Guideline Worksheet
(1 page) (page 1 of 4) (page 2 of 4)

Purchase Processing Guideline Worksheet Purchase Processing Guideline Worksheet
(page 3 of 4) (page 4 of 4)

Refinance Pre-Qual Worksheet Refinance Processing Guideline Worksheet Refinance Processing Guideline Worksheet
(page 1 of 1) (page 1 of 4) (page 2 of 4)

Refinance Processing Guideline Worksheet Refinance Processing Guideline Worksheet
(page 3 of 4) (page 4 of 4)

Title Order Sheet Title Order Sheet Call Log Sheet
(page1 of 2) (page 2 of 2) (1 page)

List of Docs Needed from Customer Sheet List of Docs Needed from Customer Sheet
(1 page, purchase) (1 page, refinance)

Fax Cover Sheet Underwriter Cover Sheet GFE "Sample" Text for Customer
(1 page) (1 page) (1 page)

Appraisal Order Sheet Appraisal Has Been Ordered Sheet
(1 page) (1 page)

Also included as part of the Sink or Swim Loan Closing System ® are my electronic version of three mandatory HUD and Federal Reserve disclosure booklets which must be given to the consumer on every loan. Save hundreds of dollars per year...eliminate the hassle, expense, and cost of printing and production!

These three loan disclosure booklets are included FREE as part of my system:

Consumer handbook on ARMs. When your home is on the line.

HUD "Buying Your Home" Disclosure (PDF) Consumer ARM Disclosure (PDF) Home Equity Disclosure (PDF)

All three files have been compressed down to a manageable size in Adobe Acrobat PDF format suitable for email, so you can even send them directly to a customer! (Most customers just throw the books away anyway, so why waste the money?). Here's what I do...I simply attach these booklets to my email and click send. That's all there is to it! Fully disclosed in under 3 seconds and NO PRINTING EXPENSE!

One famous website, taxforms.com sells the printed version of these books as follows: "Buying Your Home" = 100 printed copies for $47, "Adjustable Rate Mortgage" = 100 printed copies for $71, "When Your Home is on the Line" = 100 printed copies for $66. Combined this is $174 for the same exact booklets! For a fraction of the cost, you can have an unlimited supply ready and available for customers. With the money you'll save on printing alone from these booklets, it's like getting the whole rest of my Sink or Swim Loan Closing System ® for FREE.

Also, with the Sink or Swim Loan Closing System ® you get...

Definitions of all acronyms used.
Full instructions on how to use the system.
Example worksheets filled-out.

Remember, all components of the system are modifiable and can be adapted to suit the needs of your business. Save hours of time, by not having to "re-create" the sheets. The system is available immediately in an editable Microsoft Word format in a zip file.

For A Limited Time, If You Order Before The Deadline, I Am Offering The Following FREE Bonuses With My System...These Are Exclusive To Us And Aren't Available Anywhere Else!

FREE Bonus # 1: My personal "rolodex" of mortgage industry resources. Included in this resource directory are: contact details for hundreds of mortgage lead companies (refinance, purchase, and sub-prime leads for all market conditions), trade associations, title companies, appraiser finder, and many more resources which will help you sell more loans and make more money.
Value: Priceless. It's a FREE bonus for you!
FREE Bonus # 2: As as special bonus, my mortgage lead provider, 1st-Mortgages Leads, has agreed to give all buyers of my system 2-3 free refinance or purchase leads, so you can try out their service (new customers only). Of course, after the free ones, you'll have to buy the leads. But, even if you get just one deal from them, it cost you nothing. I have been using this particular company for years and their leads have always been reliable and authentic. (By the way, most of my business comes from online, Internet generated mortgage leads).
Value: $25 to $30 each. It's a FREE bonus for you!
FREE Bonus #3: As a buyer of my Sink or Swim Loan Closing System ®, you will receive FREE updates of all the mortgage worksheets for life (for as long as you own the system). I am a perfectionist by nature and am constantly refining and improving my process. Whenever there is a change, you'll be emailed a fresh set to use. This way, you will always have the most up-to-date and accurate version of my worksheets...we all know how often this industry changes! (You must be a subscriber of my Sink or Swim Success Newsletter in order to receive future updates of the system).
Value: Retail price of each new edition. It's a FREE bonus for you!
Also, if you order before the deadline, you will receive the following additional 4th bonus item...FREE! (These are NOT included in our regular CD-ROM version of the system, but are yours free for downloading the electronic version of the Sink or Swim Loan Closing System ®).
FREE Bonus #4: Two Excel mortgage spreadsheets useful for crunching numbers and knowing what to include in the APR. These spreadsheets are not available anywhere else and have never been offered for sale before. Included are:
- Mortgage payment calculator and comparison spreadsheet. Useful when comparing various loan scenarios amongst various investors.
- Regulation Z cheat sheet. Tells you exactly what to included in the APR (Annual Percentage Rate) and how to correctly calculate the TIL (Truth-In-Lending) disclosure. Follow the step-by-step checklist and make sure your APR figures are correct.
Value: $29. It's a FREE bonus for you!
* After this deadline, we reserve the right to end this special offer (including the additional bonus items) and may raise the Sink or Swim Loan Closing System ® back to it's regular retail CD-ROM mail order price.

Your No-Risk Guarantee, My System Will Work For You Or Your Money Back...

Use my mortgage system and give it a full and honest try, over the course of your next few loans. If, after exploring all the possibilities, it hasn't helped you close more loans and earn more money, simply return it within 30 days . I will refund your money in full. No questions asked. (Just show proof that you actually tried my system and explain why it didn't work. Due to the nature of the product, however, you must actually give it a try and allow some time for the full system to be implemented into your sales pipeline. Simply ordering the system, then returning it the next day doesn't count. Fair enough?)

I've been using my worksheets for years, and so have hundreds of other loan officers. Follow the system exactly as shown and you will succeed. There's no doubt! I can make this strong guarantee because I know my system works. Hundreds of other loan officers agree...they've been successful, so can you! Give my system a full try...then you be the judge. There's no risk or obligation!

For your and my protection, I use a secure third party processor, PayPal.com, for credit card and online check orders. Part of their policy of protecting customers is issuing no-hassle refunds. With PayPal, your purchase is secure and bears the BBB reliability seal. Purchase with confidence and security.

Sell and close just one deal and this system has more than paid for itself. Earn hundreds of times the cost of your investment.

Think about how much more income you would earn if you closed just 1 or 2 extra loans per month (in addition to your current pipeline). That's found money. And, if you follow my system exactly, you should be able to close much more than this.

Order Now...And Close More Loans In Less Time And Make More Money. Guaranteed. Stop Wasting Time On Deals That Don't Close.

Retail Price: ~~Only $199.95 (CD-ROM Mail Order Version)~~

Special Offer For New Customers Only: Download The Electronic Version For Less...

******* Limited-Time Offer: $127.00 *******
(Sink or Swim Loan Closing System ®, Downloadable Version)

If you order the Sink or Swim Loan Closing System ® before midnight on the price is much less than the regular retail CD-ROM mail order version. For a limited time and as a marketing test, we are offering a downloadable-only version of the Sink or Swim System ® for just $127 (this offer is eligible to new customers only).

Invest in your mortgage business, and close more loans in less time and make more money. Order today and gain instant access to download the ENTIRE Sink or Swim Loan Closing System ® at a significant discount. All files are exactly the same and everything you see here is included!

This offer is available for a limited-time and will expire. Click the order button below and get instant access...

(Yes, you get immediate access even at 3:00AM. Download anytime--day or night.)

Major credit cards accepted or pay online direct from your checking account using an eCheck, (it's the same as writing an actual check but without the hassle of envelopes and stamps).

Once ordered, you will be redirected to a thank you page to download the full Sink or Swim Loan Closing System immediately. Also, you will be sent a special download link to your email address for future reference. You can then download the entire system to both your home and work computer, if you choose to. It's that easy! (Please note that charges to your account will appear as "PayPal").

Or, if you prefer, click here to order through regular postal mail...

Other Things You Should Know...

To prevent fraud, your IP Internet address and location details are being recorded. All unauthorized downloads will be prosecuted to the fullest extent of the law! The system is not be re-sold, copied, reprinted, published, translated, hosted, or otherwise distributed by any means without explicit permission. Offenders will be prosecuted to the fullest extent of the law!

PLEASE NOTE: In order to prevent the competition from using my system, it will NOT be sold to anyone from my city, or any competing mortgage firms. I make my living selling mortgages and am still a practicing loan officer. (I don't mind helping people in other areas, however). If you live in North Oxford, Massachusetts, do not try to purchase my closing system. I will not sell it to you.

The system comes in a zipped file with all worksheets in Microsoft Word document format (which you can use to modify and edit each one to suit your individual needs). If you do not have a program that can unzip files, you can get one free from Winzip (click on "download evaluation version"). You can use this to "unzip" the Sink or Swim Loan Closing System ® onto your computer desktop (file size is about 5 megabytes).

In order to customize the worksheets, you will need to have a version of Word for Windows installed and Adobe PDF Reader in order to open PDF files (most computers come with these programs already). For those who do not have Microsoft Word, a version of the worksheets in Adobe PDF format is also included. If you need Adobe PDF Reader, you can get it here.

Please email me at sales@myloansystem.com if you need any assistance. (To ensure that any future emails sent reach your in-box, please be sure to add my email address sales@myloansystem.com to your "safe list" so it doesn't end-up in your bulk mail or "spam" folder...thank you).

In Conclusion...

I don't promise that my system will do everything for you, because it won't. It's up to you to pick up the phone...make the call...and close the sale. Ultimately, it's up to you to succeed. However, if you want to reach success with a lot less headaches and hassles, then my mortgage worksheets may be the answer.

This system is perfect for loan officers, loan processors, mortgage processors, mortgage brokers, mortgage bankers, local bank representatives, real estate agents, real estate investors, real estate investing in general, financial planners, CPAs, accountants or anyone else who is involved in the mortgage industry who wants to close more loans more quickly and make more money.

If you are new to the industry, then you absolutely must have my system. It will save you hours of headaches and a lot of learning "pains". Don't make the same mistakes I once did. Get on the fast track and start earning money A.S.A.P. Immediate download. No shipping charges! The Sink or Swim Loan Closing System ® provides you with tremendous value at very little cost. You won't be disappointed.

There is a reason (or, as Nancy calls it, a former roadblock we encountered) for each and every line on the work sheets. Hundreds of hours of thinking over many years have gone into my "system", and I hope it helps propel your business to the next level! Invest in your business and leave nothing to chance. Get the tools you need to be successful and use my system to make more money. Believe me, tremendous opportunity--both personal and financial--is available to all who seek it.

Don't lose your commission money at the closing table. Make the decision to change...to take action...and you'll reap the rewards that come with selling and closing loans more effectively.

Best of luck in your business, this is a wonderful industry to be in, and I wish you all the success you can handle!

Warm Regards,

Real Estate & Mortgage Broker... Creator of the Sink or Swim Loan Closing System

P.S.-My system will actually cost you nothing, because as training material, you can even deduct your purchase as a business expense. Remember, even if you close just one loan, this system has paid for itself many, many times over. You can't lose with my 100% no-risk, money-back guarantee. Click here to order today and close more loans in less time and make more money.

If you have any questions, please visit my FAQ-frequently asked questions page, or email me at sales@myloansystem.com . You can also reach me or one of my licensed trainers directly at my office number listed below. I may be on the phone with a client, but please leave a message with any questions you have and I will get back to you as soon as possible, usually within 24 to 48 hours. And yes, I do answer my own phone.

Or, if you prefer, click here to order through regular postal mail...