Here Are Close-Up Images Of Just Some Of The Worksheets You'll Find Within The Sink or Swim Loan Closing System ®.  Scroll down and examine every detail of the system.  As you can see, nothing is left to chance and nearly every potential pitfall that could kill your loan has been accounted for.  You can see why it has taken me years to perfect my system.  There's no doubt about it, follow the worksheets step-by-step and you will close more loans in less time!  Best of luck in your business...

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I use this worksheet to filter out the time-wasters and to see if the customer is truly serious about buying a home.  I've encountered plenty of dreamers who truly have little intention of following through.  I get right down to business and customers like to hear I've done my "homework" on them.

Here is another view of the Purchase Pre-Qualification worksheet.  You can see the level of detail in the questions I ask.  This helps me to get a good overview of their situation before spending an hour of valuable time filling out an application.  I only want to spend time with loans that will close.  In this business, every second counts!

The Purchase Processing Guideline sheet reminds me what to ask the customer and helps me to "package" the loan file up for my processor, Nancy.  I ask the customer upfront for specific documents that will be needed on the loan and set expectations from here until closing.  I let them know exactly who is in control and how the process will work.  This streamlines the process and has helped my office close loans in under two weeks--start to finish!

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As You Can See Every Step Is Written Down And Nothing Is Left To Chance!

Here is another view of the Purchase Processing Guideline sheet.

Another view of one of the pages in the Purchase Processing Guideline sheet (4 pages total).  The stacking order for the loan is here and critical timeframes such as rate locks, commitment letter and closing dates are highlighted (miss any one of these and your loan is dead on arrival).  Don't let this happen!  Every step is covered.  

View of the first page (of four) in the Purchase Processing Guideline.  You can see I tell the customer not to "change jobs, acquire debt, take money of out a home equity line, make big purchases or move assets around".  I also tell them "not to make moving plans until we have the final clear to close".  Purchase loans can be VERY stressful and the last thing I want to happen is to have the moving trucks showing up if the loan gets delayed or even denied.  Don't laugh, this actually happened...that's why it is now part of my worksheets!.  Like I said, every we made a mistake, we write it down and never repeat it.

Every loan closed is a lesson learned.  Nancy and I make a habit of writing down exactly what went right and wrong with this loan.  Then we brainstorm ideas on how to improve the process to make things smoother for the next time.  That way, we are always evolving and improving our skills.  You will also notice the post-closing marketing program we have made an integral part of the system.

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More Pictures Of Just Some Of The Worksheets Included In The System...

Here is a random sampling of some of the other sheets in the system.

A view of the bottom half of the Appraisal Order sheet.  We specifically ask that no appraiser trainees be involved with writing the report (underwriters frown upon this and we once had a loan killed because of this).  Also, we estimate a value we are looking for and ask that the appraiser call us if he thinks that the value is not reasonably attainable.  That way, we don't waste money on an appraisal that comes in too low.  Why spend $300 for nothing?  Also, we ask that the appraiser email us the report along with a copy of their license and an invoice.  All three are needed on every loan and we like to gather the information all at once and not have to fight to get it later.

Title Order sheet (page 1 of 2).  This has critical information about the loan for the attorney and lets them know if the customer is escrowing, bringing money to the table, taking cash out, and what exactly they are paying off with the loan.  As you can see, I leave nothing up in the air.  All dynamics of the loan are spelled out, reducing the amount of phone calls and confusion.

This is a view of the Title Order sheet (page 2 of 2).  In Massachusetts, we have attorneys that close the loans.  I tell the attorney exactly what we need before the closing, as well as after the closing.  I set timeframes and let them know the critical dates we are aiming for.  I ask them for a copy of their fee sheet of all property related fees (for the GFE), their wiring instructions (to give to the lender), name of title insurer, etc.  Every lawyer we work with knows that they are a valued business partner and are vital to our success.

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Documents Needed sheet.  I email this to the customer after telling them over the phone what I need for documents on their loan.  I found that when we follow-up in multiple ways, we have a higher closing ratio and less rate shopping.

Call Log sheet.  I use this to record every conversation with a customer.  If something comes up, I can simply look back and see what transpired.

A view of the Refinance Processing Guideline worksheets.  Very similar to the ones used for purchase transactions, but adapted specifically for refinance transactions.

Another view of the Refinance Processing Guideline sheets.

The final pages in the Refinance Processing Guideline sheets.

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Here Is A Commissions Report Showing My Biggest Month Ever!

My average fees per loan average $2,200 to $3,400 each.  The mortgage worksheets I developed, have helped my processor, Nancy and I to get more loans to the table quicker with less headaches.  

If you are considering a career change or are new to the mortgage industry, I want to let you know that these types of commissions are available to you too.  But it's going to take a bit of hard work, some dedication, and a steep learning curve to overcome.  My loan closing system will help you get to "top producer" status in no time.  Start earning an above average income almost immediately.

For industry veterans, if you aren't already earning this level of commission income, ask yourself..."Why not?".  Perhaps my mortgage worksheets could be the perfect answer...