Clarksville, Maryland-- With the creditmarkets undergoing a "meltdown," banks inthe United Kingdom collapsing under $4BILLION "runs"...the Fed & the EuropeanCentral Bank pumping in HUNDREDS OFBILLIONS of dollars to shore-up "cata-strophically weak" economies...all the panic& hysteria of the so-called "credit crunch"has not prevented 1 mortgage broker fromleveraging the secret knowledge of outspo-ken & unconventional consumer advocate& sub-prime mortgage industry veteran &expert, Scott Tucker.

One of Tucker's "MasterMind Members,"Kevin Marks, of Clarksville, Maryland, justpumped $48,291.33 in fee income into hisbank account, in what most are calling the"dead" market! All while laid-up in his hos-pital bed!

Marks said, "even while I was laid-up, flaton my back in a hospital bed, Tucker'sSystem kept pulling in borrowers in onauto-pilot! Even though the sub-prime mar-ket is supposedly 'dead!'"

"They say this was the 'worst month ever'...but I closed 6 loans...and made$48,291.33 in fee income...from my hospi-tal bed! Here's what happened," Marks con-tinues:

1. "A family I had previously gottenout of financial trouble once before calledmy home and begged my wife to tell methat they were in trouble again. The result

was a $380,000.00 refi for 4 points and$15,200.00 in fee income. I had my wifebring in my laptop and my 'lender Bible'into the hospital and it went like clockwork!Smooth as silk! The borrowers came to thehospital to sign the documents! None of thiswould have happened without ScottTucker's Past Borrower Retention System!"

2. "A borrower I had set up with a 2/28'first-step loan' needed to get out of itbefore it adjusted to a higher rate. He calledme a dozen times to get me to help him.Result: a $185,000.00 refi with 4 points infees! That's $7,400.00 dollars! He too came tothe hospital to sign the documents! Thiswould not have happened without ScottTucker's Past Borrower Retention System!"

3. "A Realtor® who'd seen my ScottTucker Advertising repeatedly called &faxed my office saying that she just had totalk to me! My wife was bringing myoffice faxes to the hospital! Turns-out theRealtor® had a couple properties shecouldn't refinance because they had'ground rent.' I made some calls and fixedit for her! Result: $147,234.00 refi at 4.20points and $6,183.83 in fees, plus a$208,500.00 purchase at 2.5 points andanother $5,212.50 in fees! This was all dueto the 'guru' status that Scott Tucker's mar-keting sets you up with!"

4. "A dental tech married to a Realtor®and real estate investor discovered thatthe mortgage broker that they've used foryears couldn't find financing for 2 condos!

They were desperate to get that money totide them over during this 'tough time' inthe real estate market. She'd heard I usedScott Tucker's proprietary Members Onlywebsite to handle 'hard-to-place loans!' Soshe called me...and I fixed it for her!Result: 2 investor purchase deals for$285,900 at 2.5 points and another$14,295.00 in fees!"

"That's how Scott Tucker's Programeffortlessly generated $48,291.33 in feeincome for me while I was flat on my backin my hospital bed!"

Scott Tucker himself is bullish about thecurrent "crisis" and says, "Crisis? All the'doom & gloom' is media hype. In spite ofthe current loss of available credit fromlenders, borrowers can still get financingthrough the very same mortgage loan officersthey've always relied upon! Via FHA loans!"

"This whole 'credit crunch' is nothingmore than a temporary glitch. Lending is notgoing away long-term. Sub-prime mortgagesare seeing a 4% 'delinquency' rate this yearversus the normal & customary 3% 'delin-quency' rate!" says Tucker.

"The 'delinquency' rate is not the same asthe much lower 'foreclosure' rate.'Delinquent' borrowers are just late & slow-payers. Most of these borrowers catch-back-up, and fall-behind again. Over-and-overagain. It's just their habit to do so. The sameway some other people might have someother odd habit. The great majority of those4% who are 'delinquent' do not go into fore-closure. The media act as if 64-millionAmericans suddenly turned-in their housekeys. They have not!" Tucker continues.

Tucker concludes. "in the 'worst evermonth,’ my Member, Kevin Marks, just did$48,291.33 in fees from his hospital bed!Using nothing more than the Secrets I sharewith everyone who uses my System! Anybroker or loan officer can do this!"

To learn more about Scott Tucker & hismarketing System for loan officers & mort-gage brokers, please go towww.MortgageMarketingGenius.com.

Section A MORTGAGE BROKERAGE NEWS November 2007

PLANNING STARTS

WITH THEBASICS

Jonathan Citrin When developing a plan for your

n nces, the toughest question often Where do I begin?” Before invest-g in stocks and bonds or buyinge insurance, before implementing

n change or making any decisions,o first need to analyze and under-and your entire financial picture.

Two documents allow you to dos that. A Balance Sheet and a Cashow Statement enable you to take an-depth look at your current finan-a situation and make better deci-ons about the future.

With a little work, you can devel-p these two tools and be on youray to a solid plan for your finances.

LANCE SHEETA balance sheet is a snapshot of

o r personal finances at one point inme. It contains two main elements:hat you own (assets), and what youwe (liabilities). Your net worth ispressed as: Net Worth = Assets –abilities. That is, what you owninus what you owe.A balance sheet clearly lists all

sets and liabilities. Examples ofsets include: house, investmentsch as stocks and bonds, savings

ADVERTISEMENT

“How a bed-ridden Maryland mortgage broker

effortlessly raked-in $48,291.33in fees! Without leaving his

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“They say this wasthe 'worst month ever'

...but I closed 6loans...and made$48,291.33 in fee

income...from my hos-pital bed!”

Chicago -- If you listen to the convention-al wisdom, you'd believe the mortgage indus-try was "dead in the water" and any sane bro-ker or loan officer would be best advised tofind a nice "safe" career in another industry.

But this is just a self-fulfilling prophesyaccording to Scott Tucker, the #1 marketingeducator of mortgage brokers in the country.

Scott says, "The problem is really all inpeople's heads. They read the news, they lis-ten to the radio, and they watch TV...and seeall the negativity and they just accept that it'strue!"

According to Tucker, although the econo-my does present challenges to today's mort-gage industry professionals, it's nothing thatcan't be overcome EASILY with a steadynerve and bold marketing. He says, "Toomany mortgage guys are panicking and swal-lowing the big lie, that the mortgage businessis dead, that the whole economy is about togo belly up. But it's NOT true. People are stillspending money, and the funds are still therefor the refi's of all sorts of different types!There is NOTHING going on in the economyto stop ANY broker or loan officer from notonly SURVIVING but also THRIVING ifthey'll get their MARKETING right!"

Award-winning Tucker is a firm advocateof direct marketing, a style of marketing dat-ing right back to the late 1800s, that has fall-en out of favor with big business in recentyears. But the success of the people who useTucker's system proves beyond doubt, directmarketing is STILL the most effective mar-keting there is.

It's using Scott Tucker's proprietary sys-tem that recently allowed one mortgage bro-ker to effortlessly rake in $48,291.33 in fees,slap-bang in the middle of the 'worst monthever' of the so-called 'sub-prime melt-down'...working from his hospital bed!

And in recognition of today's greaterchallenges, instead of following the conven-tional route of "battening down the hatches"to weather the storm, Tucker has addedMORE to his System...THREE new loantypes to his ALREADY powerful system:

1. Reverse Mortgages. Tucker has identi-fied a hot list of borrowers to take-out reversemortgages! And the best part of it is, you doNOT have to be an FHA broker to do areverse! As long as BOTH borrowers are 62 or

over, they do NOT need ANY assets besidestheir principal residence! They need NOincome, and NO credit! And the reverse mort-gage money they get can NOT cause reducedSocial Security and/or pension payments! Bestof all, the money they get is NOT taxable!

Tucker has created copyrighted mailingpieces that attract the perfect prospects forthese mortgages! And he has added the mail-ing pieces AND his proprietary list ofprospects to his System, for ALL hisMembers to use!

2. FHA Streamline refi's. Tucker hasproved there are thousands of these outthere, just waiting to be done, and theybring rich rewards for the brokers who useTucker's System to attract these borrowers tothem!

Says Tucker, "the marketing materials inmy system are perfect for pulling in theseborrowers...I've built my proprietary list ofhot prospects, and all my Members have todo is mail them what I give them! My letter-shop does all the work for them! It's allthere...all you gotta do is 'flip the switch!' It'sbrain-dead simple!"

3. ARM Re-Sets. There are THOU-SANDS of ARM mortgages coming to theend of their low-rate terms! And this is badnews for a lot of borrowers!

Ninety percent (90%) of these are NOTsub-prime! And the prospect of going to the"adjusted" rate means these borrowers needhelp! Tucker's System includes his propri-etary list of prospects, as well as the copy-righted marketing materials to be mailed!

Tucker concludes: "The worst thing youcan do in this kind of market is be timid &fearful! Bold marketing will always see youthrough! That's why, instead of pulling backand paring the marketing down to the bone,I've actually MASSIVELY increased the mar-keting materials and avenues open to myMembers! They'll thrive in the coming reces-sion AND when we come out of it, they'll bebest placed to take advantage of the morefavorable conditions too! Mark my words:anyone who does NOT take their marketingEVEN MORE seriously over the next fewmonths is doomed to struggle, and probablygo-under when recession really hits!"

To learn more about Scott Tucker and his marketing System for mortgage brokers, please go to www.MortgageMarketingGenius.com.

Section A, Page 2 MORTGAGE BROKERAGE NEWS November 2007

ADVERTISEMENT

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“My marketingSystem is perfect forpulling in these bor-rowers...I've built myproprietary list of hotprospects, and all my

Members have to do ismail them what I givethem! My lettershopdoes all the work for

them! It's all there...allyou gotta do is 'flip

the switch!' It's brain-dead simple!”

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