bni presentation lorie yates centennial bank

MY EXTENDED SALES FORCE

Lorie YatesCentennial

Bank

Knowledge is Key!

PhD in Mortgage-ese??? No!!!Just some key Buzz Phrases!!

What do you need to know in order to refer people to

me???

Anyone who needs to buy a house

Who can you refer to me???

Buzz Phrases

We are getting married!! We are having a baby!!! We are getting a divorce. This house is just too small! We really

need a bigger house. This house is too big now that the kids

have all grown up and moved out. We really need to downsize.

Buzz Phrases (continued)

I would love to have a brand new house! I would really like to buy a lake house! (or

a cabin in the woods) I’d really like to start buying some rental

property to invest in for my retirement! My child is going to college this fall. We

are looking for a place to rent.

Who can you refer to me???

Anyone who needs to refinance their house

Buzz Phrases

My interest rate is <above 4.75%>. Do you think that is too high?

My mortgage payment is too high! I really need to look into lowering it!

I hear the mortgage rates are getting lower. I should really check that out.

I would love to payoff my house in 15 years instead of 30 years. I wonder what I need to do to accomplish that.

Who can you refer to me???

Anyone who needs to do a cash out refinance

Buzz Phrases

I would love to remodel the kitchen! (or bathroom!)

I would love to build a new deck and design my dream backyard!

I really need to payoff all of my credit cards!

My monthly bills are way too high. I need to consolidate some of them!

Buzz Phrases (continued)

I would really like to combine my first and second mortgage and just have one payment!

My air conditioner has gone out, and we need to get some cash to replace it!

I need to purchase a vehicle and would like to finance a longer term!

Our child is getting married and we need to borrow some money to pay for it!

Who can you refer to me???

Referral Partners

Someone who can send one or multiple referrals

(Golden Goose) Realtors Builders Relocation Specialist CPA’s Someone selling house FSBO

Down Payment Assistance Options

ADDI up to 6% of the sales priceforgivable

HELP up to $5000forgivable

DPA up to $6,000must be fully paid back

**Can combine HELP and ADDI

Questions????