The Market Has Changed. The Borrower Has...
Transcript of The Market Has Changed. The Borrower Has...
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Company Confidential ©2012 Genworth Financial, Inc. All rights reserved.
The Market Has Changed. The Borrower Has changed. Have You?
IQ +EQ = Au
Company Confidential ©2012 Genworth Financial, Inc. All rights reserved.
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1 Presentation Title Insert Legal Copy
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Harvard Knows Best
2
Work Hard Success Be Happy
Shawn Achor - http://m.youtube.com/#/watch?v=GXy__kBVq1M&desktop_uri=%2Fwatch%3Fv%3DGXy__kBVq1M
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Harvard Knows Best
3
Work Hard Success Be Happy
Shawn Achor - http://m.youtube.com/#/watch?v=GXy__kBVq1M&desktop_uri=%2Fwatch%3Fv%3DGXy__kBVq1M
Intelligence
Creativity
Performance
3 Gratitudes
Journaling
Exercise
Meditation
Random Acts of Kindness
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Sales Alchemy
Presentation Title Insert Legal Copy 4
IQ + EQ = Au Motivation
Self-awareness
Empathy
Self-regulation
Social Skill
Environment
Market
Government
Product
And You Thought You Would Never Need Algebra
Au
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Environment
Mortgage IQ
5 Presentation Title Insert Legal Copy
Government Product
Market
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Environment
Mortgage IQ
6 Presentation Title Insert Legal Copy
http://www.conference-board.org
http://www.census.gov
www.bls.gov/lau
http://www2.fdic.gov/recon/index.asp
www.city-data.com
www.mybestsegments.com
Zite.com
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7 Presentation Title Insert Legal Copy
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8 Presentation Title Insert Legal Copy
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9
Trends
Unemployment: US Department of Labor Bureau of Labor Statistics
http://www.bls.gov/lau/
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10 www.smartermi.com
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The Wonderful Web
www.city-data.com
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12 www.smartermi.com
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facebook.com/thatMIguy
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Mortgage IQ
14 Presentation Title Insert Legal Copy
Market
www.fhfa.gov
www.freddiemac.com/pmms/pmms30.htm
http://www.realtor.org/research-and-statistics/housing-statistics
www.restorethedream.com
http://www.federalreserve.gov/boarddocs/snloansurvey
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Trends Market Value
Federal Housing Finance Agency - Housing Price Index
http://www.fhfa.gov
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16 Presentation Title Insert Legal Copy
www.freddiemac.com/pmms/pmms30.htm
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17 Presentation Title Insert Legal Copy
Great Time To Sell?
Own $200,000
Waiting to Get Appreciation
Assume 3% for the Year = $6,000
?Where Are You Going
House Today $400,000
Next Year = Down $6,000 $412,000
at 4.5% = $2,026 $400,000
at 5.5% = $2,339 $412,000
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Mortgage IQ
19 Presentation Title Insert Legal Copy
Government
CFPB
QM
QRM
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facebook.com/thatMIguy
CFPB
www.consumerfinance.gov
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21 www.smartermi.com
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Mortgage IQ
22 Presentation Title Insert Legal Copy
Product
www.mortgageinsurance.genworth.com
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facebook.com/thatMIguy
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24
MI v FHA Payment Comparison
95% LTV - $200,000 Loan Amount - 721 Fico Score – 3.50% Fixed 30 Yr - Primary Residence
Total Monthly P&I and Monthly MI
Total Monthly P&I and FHA MI
August 2009 $1,055 $997 $58
November 2010 $1,055 $1,049 $6
August 2011 $1,055 $1,090 $36
February 2012 $1,018 $1,090 $72
April 2012 $1,018 $1,114 $96
May 2012 $1,010 $1,114 $104
April 2013 $1,010 $1,130 $121 Genworth MI payment is based upon Zero Monthly Nonrefundable Rate published on the date specified for the State of North Carolina. FHA monthly payments are only an estimate based on the loan and rate information provided and assumes the upfront premium was financed into the loan amount.. FHA default rates were obtained from various publicly available resources and may be subject to change. FHA eligibility is not considered when calculating the monthly payment.
After MI Cancellation
$898
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25 Mortgage Madness
Cancellation Guidelines
Automatic LTV < 78%
Borrower Request
LTV < 80% LTV< 75% Yrs 2-5
LTV < 80% After yr 5
a
b
Original Value
Appreciated Value
a
a b
Cancellation Guidelines
Other Restrictions May Apply
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Environment
Mortgage IQ
26 Presentation Title Insert Legal Copy
Government
http://www.conference-board.org
http://www.census.gov
www.bls.gov/lau
http://www2.fdic.gov/recon/index.asp
www.city-data.com
www.mybestsegments.com
www.zite.com
CFPB
QM
QRM
Product
www.mortgageinsurance.genworth.com
Market
www.fhfa.gov
www.freddiemac.com/pmms/pmms30.htm
http://www.realtor.org/research-and-statistics/housing-statistics
www.restorethedream.com
http://www.federalreserve.gov/boarddocs/snloansurvey
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Motivation
Mortgage EQ
27
Empathy
Presentation Title Insert Legal Copy
Social Skills Self - Regulation
Self - Awareness
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Motivation
Mortgage EQ
28 Presentation Title Insert Legal Copy
Motivational Speakers
TED.com
10 Tips
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Mortgage EQ
30
Empathy
Presentation Title Insert Legal Copy
Warning Stereotype
The Golden Rule
Segment Marketing
https://genworth.webex.com/genworth/lsr.php?AT=pb&SP=TC&rID=58687972&rKey=df50f4e4deef5204&act=pb
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31 Presentation Title Insert Legal Copy
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The Golden Rule
Do Unto
OthersAs
32 Presentation Title Insert Legal Copy
YouWould Have Them Do Unto
You
Sell Unto
OthersAs TheyWant To Be Sold
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Sell Unto Others
33 Presentation Title Insert Legal Copy
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Consumer
Your Father’s Oldsmobile Has a Flat US Consumer Trends
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35 NMLSConsumerAccess.org
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37
Techno Geek
Is there an App for You?
US Consumer Trends
Consumer
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38 Topappcharts.com
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39 Topappcharts.com
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41 Cardmunch.com
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42
Easy Greenie
US Consumer Trends
Consumer
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43 DSIREUSA.org
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44 www.smartermi.com
C0nsumer
My Dollar – Your Non-cents
US Consumer Trends
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Motivation
Mortgage EQ
46
Empathy
Presentation Title Insert Legal Copy
Social Skills Self - Regulation
Mitsubishi Model
Motivational Speakers
TED.com
10 Tips
Warning Stereotype
The Golden Rule
Segment Marketing
Linked In
Self - Awareness
DiSC
www.viacharacter.org
Johari Window
3 LOs
Strengths and Weaknesses
PIGS 4 Blocker
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facebook.com/thatMIguy
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Contact Info Steve Richman
870-2519 919
– Please Join Me
LinkedIn: www.linkedin.com/in/steverichman
Facebook: www.facebook.com/ThatMIGuy
facebo
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Legal Disclaimer Genworth Mortgage Insurance is happy to provide you with these training materials. While we strive for accuracy, we also know that any discussion of laws and their application to particular facts is subject to individual interpretation, change, and other uncertainties. Our training is not intended as legal advice, and is not a substitute for advice of counsel. You should always check with your own legal advisors for interpretations of legal and compliance principles applicable to your business.
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