Mortgage business plan

Broker business ont funding is an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual home buyers. We have access to a full range of mortgage sources and are dedicated to finding the right loan--with the best rates, terms and costs--to meet our clients' unique needs. Both are licensed brokers with a combined experience of over 30 years in the ont funding aims to offer comprehensive mortgage broker services. The primary objectives of our firm are:become profitable serving the real estate investment opportunities becoming available in the rapidly growing old town section of the p a solid, corporate identity in our specified target market one of the top brokerage firms in the area by our third year of operation, or e a positive return on investment within the first 12 ont funding offers high-quality mortgage brokerage services to residential and business customers. Our aim is to provide our customers with fair mortgage rates at reasonable prices, while keeping our clients informed and educated throughout the process. Claremont ultimately provides excellent value to its customers and fair reward to its owners and recommend using liveplan as the easiest way to create graphs for your own business your own business your own business plan »your business plan can look as polished and professional as this sample plan. Just wrote my first business plan in 24 hours using liveplan and it's beautiful and complete. With 500 complete sample plans, easy financials, and access anywhere, liveplan turns your great idea into a great plan for more about research reports for non-depository credit institutions d business spa business planpersonal event planning business plancar wash business real estate plansmore services plansmore miscellaneous services 't bother with copy & can download this complete sample plan as a text document for the #1 business planning software risk-free for 60 contract, no risk. A business plan for a mortgage less of the type of business you’re planning to start, it is important for you to have a business plan. You can create the business plan on your own or you can enlist the help of a business planner. If you create the business plan of your own, you are actually forced to consider serious facts early on, which will help you learn as much as you can about your business. Just as it is important for a person to calculate a mortgage before taking one out, it is important for you to calculate the affordability of your business from the very g a  mortgage business order to create a profitable mortgage business, you need a solid business plan. Understand and analyze the market – you will have to understand and analyze the real estate and the mortgage market in order to start your business and create a realistic business plan. Know the local and state legal requirements  – in order to start and maintain a business, it is important for you to consider the laws of the state you are starting up in. Determine the business objectives – it is important to chalk out the business objectives, which will determine the actions and the strategies you’ll use. It is also important for you to review the objectives from time to time in order to avoid any mistakes as the changes occur and your business grows. Determine affordability – in order to go forward with any kind of business, it is important to first determine affordability. Formalize the strategies for marketing – it is important to formalize marketing strategies as these are crucial for your business goals. Try to include the business policy on pricing of the services of the firm, thereby taking into consideration the competitive pressures. Discuss with a business planner – another thing that you need to do is discuss  your business plan with a professional business planner or other trusted advisor who can help you make sure your plan is feasible. You will be required to include details about your management team in your business plan, so don’t leave this step this article helpful? Try these:What you need to do in order to run a mortgage business ng a successful business ss plan obfuscation: twitter you need to do in order to run a mortgage business ng a successful business the #1 business planning software risk-free for 60 contract, no risk. Built for entrepreneurs like less of the type of business you’re planning to start, it is important for you to have a business plan. Broker business ont funding is a new company that provides a high level of expertise. We take pride in knowing that 70% of our business comes from repeat clients and their referrals. Our responsibility as mortgage professionals is to determine what a customer's financial goals are, not just quote a rate. Start-up costs derive from website design, office equipment, main computer station complete with all mortgage information for broker usage, stationery, legal costs, furnishings, office advertising and services, and expenses associated with opening our office. Recommend using liveplan as the easiest way to create automatic financials for your own business your own business -up expenses to -up assets to funding -cash assets from requirements from onal cash balance on starting ities and -term ts payable (outstanding bills).

Capital and your own business plan »your business plan can look as polished and professional as this sample plan. The financial sales forecasting tool is very intuitive and makes writing a business plan more fun. With 500 complete sample plans, easy financials, and access anywhere, liveplan turns your great idea into a great plan for more about research reports for non-depository credit institutions d business spa business planpersonal event planning business plancar wash business real estate plansmore services plansmore miscellaneous services 't bother with copy & can download this complete sample plan as a text document for start-up -up expenses to -up assets to funding -cash assets from requirements from onal cash balance on starting ities and -term ts payable (outstanding bills). Built for entrepreneurs like ss plans ss plans - volume ge company business ss plan     national mortgage,123 n. Suite e, washington mortgage company specializes in lending money to people who credit or who are self-employed and have problems qualifying tional loans. It plans to offer complementary credit cards cards, as well as insurance, for this niche market. This plan was provided by ameriwest gies for achieving ss description, status, & ment & -year sions & entiality information, data, and charts embodied in this business plan ly confidential and are supplied on the understanding that they held confidentially and not disclosed to third parties without written consent of national al mortgage has developed a unique concept of lending to people less than perfect credit or self-employed people who have a hard ying for conventional loans. Our customers are very ready to work with e they have usually been turned down by one or more lenders and provide them peace of mind and a way to solve their credit loans are secured with a second mortgage on their property. The corporation type of entity for liability protection, tax considerations, growth plans, plans, and the opportunity to raise capital from investors . National will continue to utilize the services tants in areas such as planning, budgeting, accounting, ss advising, and ness and differentiation of the al, inc. In , we plan to offer complementary products such as secured and debit cards, insurance, and other investment is rare in today's business world to find a true market is exactly what national has done. To reach an even larger market develop and utilize a web page on the required and continue to fund its growth and provide the money for ions, national mortgage will be seeking $150,000 in g. Onal funds obtained will be for working capital, ses, advertising, and expenses associated with setting up g, general, g, general, g, general, provide a high quality service so that customers will perceive expand into the national obtain additional funding to fuel the become one of the premier nationally known equity lenders duals with less than perfect credit or who are al mortgage plans to closely monitor changing technology to n that the company is using the latest and most ent to keep up with current trends in the provide national mortgage with at least $700,000 in retained the next five addition to the above goals, we will survey our customers and s in our programs and add services to meet their changing ideas gies for achieving achieve the above goals, we will concentrate on providing y and aggressively promote our franchises throughout the country. National mortgage currently serves the seattle and s and their surrounding areas with its loan operations. As the washington ues to see rapid growth, national mortgage will take advantage of greater share of the local marketplace than it has in the past. Loans will sed for the franchisees as well as those generated by y-owned al mortgage is a member of the seattle metro chamber of commerce housing and building future holds the promise of almost unlimited growth and income as ss matures and considers other markets and products. She ensures quality control for each loan package prior brown serves as vice president of national mortgage and has five experience in the mortgage industry and has "hands-on,Ground-up" knowledge of all facets of the mortgage business. Her supervisory positions in the administrative,Operational, technological, and fiscal areas of this discipline ed her the skills, experience, and talents necessary to al mortgage through this new century. She will oversee ng of future area representatives and hunt serves national mortgage as its operations manager. Is involved in the hiring, firing, scheduling, and training rosana has worked with several nationally known mortgage main duties with national mortgage are in the capacity of r. She trains processors, funding representatives, and team provides quality control for file processing and ensures files business is set up as a "c" corporation. As the , additional part-time or full-time employees may be added to increased al mortgage has applied for membership in the national mortgage brokers and with local associations of mortgage ships in these organizations help us monitor changes in the government overview, size, and below are just some of the reasons the industry is expanding it is a good time for a business such as ours:Personal debt is rising at record are using credit cards to purchase daily items - such as average person has 6 credit average person receives 7-10 credit cards solicitations per baby boom generation accounts for the majority of zing has affected the middle management jobs that have ently eliminated and replaced with lower paying l characteristics of our customers include the following:No sizable equity in their times have less than perfect credit or are d, with - to usually been turned down by one or more conventional e people who are looking for peace of mind and are trying control of their theory, the competitors national mortgage faces in the e bankers, finance companies, and mortgage brokers. These competitors also have limitations as of their loan programs, higher interest rates, and lack analysis— strengths & al mortgage is strong in operations, production, quality of service,Product mix, company policies, desirability, and facilities. Be reviewed on a semi-annual company's marketing strategy will incorporate plans to line of services through several different channels and on , along with the use of referrals, telemarketing, and also plan to utilize a website as a selling ising tools we will utilize include brochures, catalogs, isements, lead generation, lead referral and follow-up systems,Information gathering, and dissemination. On, we will greater utilize local newspapers ally, we will advertise through the use of a very -level advertising campaign in conjunction with our ising, promotion, and distribution of recognize that the key to success at this time requires ising goals include all of the following:Position the company to become one of the premier mortgage brokers se general awareness of our company both locally and se general awareness of our company and its outstanding ze efficiency by continually monitoring media in an ad in the yellow pages and business white ually update our brochure to explain our company, service, direct mail a mix of media to saturate the will develop a public relations policy that will help ess of our company and product. Definitions, and hout this business plan we have taken a very conservative developing our financial of loans processed the first year will average ises sold will gradually increase to 60 the first ion rates to remain stable at 3-5%. Because of the unique nature of national mortgage we are find comparable industry figures for the combined operations of operations and franchise operations. It could suggest that national mortgage has a position and that there is an opportunity for expanded.

The fixed assets to tangible net worth ratio measures the extent owner's equity has been invested in property, plant, ent. These franchises would generate loans be processed by the main processing center in projections in this business plan are extremely conservative merrill lynch and abc. Once franchise applicants are qualified, they will join g network of brokers, under national mortgage, who specialize g people with less than perfect achieve our goals, we must be able to raise $150,000 in new may come from investors, lenders, or a guaranteed loan through business t about this article, ask questions, or add new information about this topic:Show my email comment: (50-4000 characters). Company business plan d liability ss plans ss plans - volume mortgage company business mortgage plan raised $2 million for a company desiring to build –of–the–art mortgage processing internet site. Its goal is to create the defacto standard ing the mortgage communication process involved in closing a mortgage in today' estate market is a complex, disorganized and often lengthy one. The average participant spends less than 20% of their time business activities, with over 80% of their time wasted on s itself. The result is a process laced with errors,Miscommunication and delays, making an already inefficient process s in this industry will be determined by an organization'y to effectively manage the communication process between ates, including the mortgage brokers, real estate agents, ies, lenders, etc. Called poem for portal, outsourced,Extranet, management, this business model will completely reshape the mortgage closing process , a web–based portal site will host an application that will serve as a workflow document management system, ng the communication that takes place in the mortgage s. The result will be a ive, focused, and relatively short process, and a great deal of ates available time freed up to be refocused on core of the affiliates to the mortgage closing process will all utilize le mortgage web interface to execute their transactions. The sing could either be totally outsourced to valuable mortgage, or ad could be shared between the mortgage processor and ge. In either case, valuable mortgage's web–ation will track the progress of the loan, making certain that t parties receive all required information on a timely value created by valuable mortgage will be:Extensive cost savings for everyone utilizing their system;. Considerably reduced time–cycle in the overall ability for affiliates to focus more of their time on generating ss and less on the logistical requirements of that business; ability to drive extensive revenue that is tied directly to mance increases that the system are many companies today that are trying to address some of . The problem is that none of the competition has tried to s to try to build a single application for all affiliates to d, there are applications for mortgage brokers, applications –estate agents, applications for lenders, and applications ge processors. What differentiates valuable mortgage from ition is that its application will be designed to work for all ates to the process. By designing an application for all the affiliates , valuable mortgage is addressing the one major issue that none of ition is—the effective communication between ates and the management of that process. Additionally, by service for free to the mortgage brokers and for a small y fee to other associates, valuable mortgage is certain to garner market share in a very small amount of company's vision is to build –of–the–art mortgage processing application et site that will in itself become the defacto standard ing the mortgage process. Ss sharing and managing of information provides more ment of the loan pipeline, enhanced customer service, ntial gains in site will be managed by valuable mortgage, through the use of et based application and web site. Mortgage brokers, sors, and other affiliates to the mortgage process will utilize as their primary application for executing their onally, the application will provide prospecting, tracking, ation, and other communications between all parties to ated will be the lengthy time it takes for these companies to ork back and forth;. Will be the repetitive entering of data; ated will be the ineffective process that leads to escrow lly taking 30 to 60 days or company's mission is to produce a web–nment that is user friendly and offers highly valuable lly increase the mortgage brokers productivity;. This fully interactive website will offer each company es it all the tools necessary to effectively accomplish their mortgage industry requires tremendous communication to take n many companies and individuals involved in the mortgage communication can get so chaotic at times, that people have to just to manage the amount of faxing, telephoning, and zation that's required. Valuable mortgage's focus take on the processing of the transaction, allowing valuable the loans in process;. The mailing of marketing letters; line the communications required in the transaction result will be an effective process for all affiliates where they the bulk of their time on business development instead of unique aspect of the business will be some of the value added valuable mortgage will offer. For example, a loan research and will allow affiliates to have valuable mortgage experts ic questions or issues in reference to a particular transaction. The value that ge can bring to its affiliates from these services can dous—imagine if valuable mortgage can take a customer from ge broker, help that customer to rebuild their credit and a loan, and then feed that customer back to the original . This one additional sale would more than adequately cover year of membership fees for that margins shrinking, everyone in the real estate mortgage business ned with streamlining and cutting overhead. Valuable mortgage ge brokers and other affiliates to escape the confines of , where previously they had to be because of the amount of faxing,Telephoning, etc. With valuable mortgage, all the affiliate needs is a telephone and onal computer primary goal of the company's marketing efforts will be affiliates to use the web–based application. The higher quality/quantity of tools and/es that are incorporated into the site the greater the value le mortgage brings to its customers.

Providing a central all of these companies and/or users collaborate will e a community interest and further desire to use the –end revenue streams will include membership dues charged affiliates who utilize the valuable mortgage portal site. Additional front–end revenue streams will be transaction fees, processing fees, credit–counseling fees closing fees, which will be charged to certain affiliates end revenue streams will include strategic partnerships with –based companies that can bring incremental value to the the valuable mortgage portal. Be the first organization in the real estate mortgage industry ish this critical mass of users by providing the back–ation for collaborating and sharing of information critical to g of the le mortgage's sales strategy consists of four focused s. The first is to create an internet portal site, which will be nment that all valuable mortgage affiliates utilize. For this , valuable mortgage will promote the portal as the "" for all affiliates in the mortgage processing industry. Valuable mortgage e different levels of outsourced processing capability, ts the company's focus of helping affiliates to address ge process more effectively. The third is to provide tivity, tying in the affiliates' computer systems into le mortgage system, thereby facilitating the management of ications process. The fourth is to provide management of nt workflow process, thereby assuring the valuable mortgage' on making the process more effective. Silver level, individuals and organizations would utilize le mortgage system on their own, running it as if it led on their local desktop computers. For these members, valuable mortgage will closely monitor s itself making certain that all key respondents take specified time limits. Should this communication not occur,Valuable mortgage would contact the respondent, assess the situation,And facilitate the process itself. At each step valuable mortgage would proactively ed information to the mortgage broker and all other rs so that they are fully aware of the process that is occurring,However valuable mortgage would assume all responsibility for following is a list of front–end and back–end s that valuable mortgage intends to pursue. For detail on e streams, please see the sales plan later in this y membership ate transaction e label mining/knowledge generation oom/computer based ge broker/realtor er and accessory t/services –through incremental rships/co–ship program company intends to utilize focus groups, marketing handouts ive market research into the successes and failures of ition, to prove its market viability prior to implementation. Of pilot programs will be implemented so that actual s, real estate agents, investors, and escrow companies can le mortgage services and provide critical feedback into pment process. Additionally, valuable mortgage y developing unique technologies that will allow the company sfully tie their technology into the host of systems in use by s industries the company will is a lot of competition in the market niche that valuable s to focus. Existing software companies with mortgage ations make up the largest number of direct competitors to ge, and a small number of technology companies make up the primary difference between what these companies intend to offer valuable mortgage intends to offer is in the capabilities of re solutions. These designed for the mortgage processor, and primarily function as that these organizations would use to execute their business,Tracking all the necessary steps in the mortgage loan process. S to take this package onto the web, allowing other organizations e it without having to install it locally, which is similar to le mortgage intends to primary difference between valuable mortgage and its competition valuable mortgage is intending to build an online. Community' with the specific intent of building ity into an application for the mortgage processing industry. This is why valuable mortgage will be successful and ition will company's business model focuses on a unique strategy –trigger–task. Both of these components utilize –trigger–task business technical infrastructure consists primarily of the web–nment. In this environment, customers will utilize a system that up of tasks, which occur in the mortgage loan process. The technology le mortgage intends to develop with automatically monitor s, and manage to a successful conclusion the pre–onships of which tasks trigger which a methodology, the task–trigger–task business model the customer–oriented approach for the company. No other company has built a business model that ively ties the operations of the company to its company's initial efforts will focus on the us market. Additionally, valuable mortgage intends to –media advertising and public relations campaign designed icantly increase valuable mortgage's market presence ess of valuable mortgage services and business model and operations of the company are being designed to able to other industries. These have, at a minimum, the following expertise:Extensive knowledge of the mortgage brokerage industry, ise in all affiliated industries;. Solid grasp of technology, including how to effectively use et and more specifically how to use the valuable mortgage web accomplish business company's management team consists of three highly duals. Individually these people have extensive expertise in all s aspects of valuable mortgage's business, and as a team ent a level of business acumen and personal integrity that is in the industry three management team members include:President and ceo—matt o'neal: from 1989 to present, mr.

Neal has worked in the financial services industry, with y focus in the mortgage industry from. Background in systems integration and telecommunications, and ed and implemented many large customer and process entations both in and out of the mortgage president, business development—matt jones: mr. Mortgage brokerage firm where for three and a half years he producer status, generating over $30 million in home loans. Ms went on to successfully start his own mortgage company with on streamlining the home buying and loan origination process. Ms has in–depth knowledge of the mortgage industry and required to successfully manage the mortgage process. Founded valuable mortgage and has been instrumental in ing, creative, direction, fundraising, and following is an excerpt of the statement of profit and loss, the financial section in this business ent of profit loss. Requirement & financial requirement to implement this business plan is $1,651, will cover operating expenses for the first five months of company intends to be positive on a cash flow basis by the sixth ent of first year cash flow chart projects cash flow (in thousands). See the financials the detail behind this chart and appendix a for the practices today in the mortgage industry are time consuming, disorganized. Valuable mortgage intends to revolutionize ces through the implementation of a centralized web– site designed to bring maximum capability, productivity, and s to the individual mortgage broker and mortgage industry effectively managing the communication process between le mortgage will allow these companies to refocus on pment, saving them extensive time and money now spent on ment of the process itself. The company's unique called poem, combines facets of a web portal with -sourcing, extranet technologies, and extensive workflow result that this business model will bring to the industry will be tely effective, focused, and relatively short mortgage ition in this industry is fierce with many companies trying p the next 'standard' for mortgage processing. Entiates valuable mortgage's approach from the rest is on the creation of a complete mortgage processing. Instead of developing separate applications affiliated industry, valuable mortgage will develop an brings a total solution to all the various affiliates of ry. This approach is so radically what the competition is offering that it is destined to attract t percentage of affiliated only has valuable mortgage developed a unique approach, but ge has focused that approach on the development of the ity environment. This business s that each task in the mortgage closing process is closely managed, so that each affiliate in the process is delivered ation needed at just the right y, by creating multiple front–end and back–end s, valuable mortgage's community environment will be most possible value to its customers while assuring multiple s for the company as entiality and risk information, data and drawings embodied in this business plan ly confidential and are supplied on the understanding that they held confidentially and not disclosed to third parties without written consent of valuable business plan represents management's best current estimate future potential of the business. It must be recognized that ss is free of major risks and few business plans are free of omission or rapid growth of the internet, from the beginning of its the early 1990's, is one of the most widely–studied sed technical and business phenomena in history, rivaled only by of personal computing—with which it is inextricably are believed to be 80 million americans who currently use et, with involvement ranging from occasional e–mail ges to daily multi–hour surfing and exploratory of the latest trends driving the phenomenal growth of the internet ss to business services. Forrester research (a leading ch firm) predicts that business–to–business sales internet will have grown from $43 billion in 1998 to a staggering $on by 2003. Extranet', where businesses utilize the internet for ic purpose of being effective in inter–ications. The result is a sed level of communications, driven by the ability for these zations to share data securely and subsequently communicate more is where valuable mortgage comes in. By providing a fied environment based on this extranet technology that will er all of the affiliated businesses involved in the loan s, valuable mortgage will fulfill its goal of bringing about a much more effective overall swanepoel, a well–known author and real estate gist, recently published an extensive and thought provoking identifies key trends expected to significantly determine the for the use of the internet in the real estate mortgage ing to swanepoel, even though mortgage processing professionals ionally been the gatekeepers of information, the internet is ing that they evolve into the interpreters of information. A fast company–roper starch worldwide survey, 94 percent dents believe that the internet makes communication easier, while t report that the internet increases their accessibility on the recent number of technology and internet–tors at the national association of realtors convention, an ting more than 23,000 realtors and mortgage brokers, it is the internet is rapidly taking a stronghold on the industry. The integration of the mortgage processing transaction and on of a… shopping experience is still a year or two away,Though companies a lot of promise," said swanepoel. Yet process for integration of these markets has lagged, the fact is banking and online mortgage capability are becoming more , online lending king mortgage online, inc. Established onship with ebankz, the perceived leader in the virtual bank space,Letting ebankz customers shop for home mortgages through –branded ebankz/mortgage online, inc. Electromortgage,Another leading online mortgage player, is also partnering with a combination of web–based and real world ing to deutsche bank, online mortgage originations will grow by 5,000 percent by 2003 to about $250 billion annually. And about t of internet users rate their online banking experience higher traditional brick–and–mortar experience, according to survey by washington–based frederick schneiders le mortgage intends to capitalize on this growing trend to age of the internet for mortgage processing. First, valuable primarily be a business–to–business focused entity,Providing services to the mortgage brokers and to the affiliates of ge processing industry. Through a technologically advanced , valuable mortgage will effectively manage the loan closing that valuable mortgage customers will be able to focus on their ss development , the existing internet based mortgage processing applications lly little more that data storage locations that still have to ly managed by the vast number of participants to the g process. Valuable mortgage's primary goal is to build ge processing application around a new methodology that will technology itself to manage the process.

In so doing, the ge system will coordinate the communications, signoff, ance by the affiliates to the process, freeing up ates' time so that more time can be spent doing pment and less wasted on the logistical requirements of managing process mortgage processing industry today can be very complex. Much of this communication gets lost, either in transit or following diagram details the communication process as it exists the typical mortgage escrow le mortgage's intent is to radically simplify the ications process that is involved in the typical mortgage le mortgage will provide an online, unified work environment affiliate to the process. Also, each party will receive proactive updates from a single point of access to all following diagram details the valuable mortgage concept of ications ed communication focus of this environment will be on valuable mortgage'y to manage the process and the pipeline from beginning to end. The affiliates will get this understanding and will then le mortgage to execute the loan processing for them, freeing them focus on getting more business. The valuable mortgage tates its users to be able to do more company's business model is to create the most ally integrated, yet open, work flow tracking model for sing that ties in everything from loan acquisition to servicing. Ology is called task—trigger—task, and describes the functionality of the valuable mortgage technical environment, the customer–focused methodologies under which the mortgage process itself is comprised of many tasks, each one having essor and a successor. Path leads to three tasks in a task—trigger—onship, while the second path leads to a single concurrent paths end at the same is how the valuable mortgage website environment will function. The beauty of this design,Which is unlike anything in the industry today, is in the which it will run this process and the quality of information be available at any given point in the process to everyone in addition to the technology itself, valuable mortgage will offer as an application service provider. Their ability e "help desk" functionality and actually monitor s itself, driving escalation where necessary to assure its success,Will truly differentiate valuable mortgage from its competitors. Ce, the task—trigger —task business model will ented by valuable mortgage in three distinct revenue ss focuses. These include:As an outsourced mortgage processing center—in this capacity,Valuable mortgage will perform all the loan processing ed with the setup and closing of a loan. By delegating sibility to valuable mortgage, mortgage brokers/processors will to better focus on their core business activities. This dous value to the mortgage broker/processor while also ive value to the customers of the mortgage broker/processor; y can now maintain a more customer centric approach without worry about the logistics of the process an information portal site—in this capacity, valuable be a content aggregator for all information, tools, and any affiliate would require. By providing these tools ates, valuable mortgage enables them to execute their own more a strategic partnership driven organization—in this capacity,Valuable mortgage will drive incremental value and revenue for its of strategic partners. Additionally, valuable mortgage will information vendor, bringing leads, customers and incremental bottom line—valuable mortgage can process loans ently and at less cost than the mortgage brokers/processors can is a great deal of competition in the mortgage loan ies have long recognized the benefits of automating the ation process and the idea of shortening the escrow process ive productivity tools is not a new primary difference between the competition's approach le mortgage's approach is that valuable mortgage will be company to develop a complete solution which addresses the needs affiliate in the mortgage processing industry. By building one application that addresses all ries, valuable mortgage's focus will stay on ication process itself, which is the key to success in itors in this market include large banking organizations, , and a host of small internet startups, each offering their of what efficiency gains can be accomplished and each trying to to bring their products and services to of the leaders in this market include:Just four of these companies currently dominate 85% of the ge broker market, calyx point with 41%, genesis 2000 with 17%,Contour software with 15%, and byte enterprises with 12%. While each companies have products that offer similar and yet unique defining the level of productivity that can be achieved, none of the breadth or depth of services that valuable mortgage intends and none of them are focused on the effectiveness –affiliate primary differentiating factor between the competition and ge is in the degree of overall capability that the nment brings to its users. Additionally, an affiliate–focused application be able to standardize the inter–affiliate s, which is the vital component in the reduction of complexity the other hand, valuable mortgage intends to build an environment advantage of the best features of all the leading software s to do it in an internet based environment that gives equal all organizations. This is valuable mortgage's internet is not a fad, but rather a keystone of the new ies that have established themselves as the market leaders of economy are the ones that have blazed the way, bringing new types t and incremental value to their the mortgage processing industry, the companies that have gone the internet have done so by building an application and offering it users. In doing so, these companies have not addressed the ant aspect of the mortgage processing industry—the efficiency of the process itself. These companies think that ation in itself will refine the way business is done in ry, however they are sadly mistaken. Only valuable mortgage d in this way and only valuable mortgage will accomplish this the long term it will be companies like valuable mortgage ue to lead the way and redefine how businesses communicate with , and define value for their customers. It takes a forward thinking is truly interested in creating value to accomplish this goal, le mortgage is destined to fulfill this sales strategy that valuable mortgage intends to undertake is –faceted approach utilizing front–end –end revenue streams. Value–added' services are utilized by the where valuable mortgage makes some kind of commission or referral their use. Each revenue stream will have its own ising and marketing ship dues—each affiliate will be charged a ship fee to utilize the valuable mortgage system. Incrementally,Membership dues only drive a small fraction of overall uently, valuable mortgage's sales strategy will be to membership dues wherever possible, so that the affiliate is made e they are receiving some kind of special deal. Examples of when the membership dues would be waived include: any using valuable mortgage for processing three or more loans ; any mortgage broker that refers another broker to sign up for e; any affiliates that sign up during the first six months ions. Who sign up during this period of time will have their fees ently; anyone who 'clicks through' to the ge site from one of valuable mortgage's partner sites; an incentive for signing up for additional revenue driven valuable mortgage will offer, including (but not limited to).

Based training, full processing, partner licensing, ate transaction fees—every time one of ge's affiliates processes a mortgage through ge, a transaction fee will be charged against the closing of e label lending—a percentage of valuable mortgage find their loans through valuable mortgage itself, instead ate mortgage brokers. For a fee, this information will be made valuable mortgage generation program—one of the most valuable services le mortgage will offer is a lead generation program ates. A referral fee will be valuable mortgage every time an affiliate utilizes these ng—the company will have strategic partnerships with rs to make the process of producing real estate flyers and merged with a database easier and less expensive. A referral be paid to valuable mortgage every time an affiliate utilizes ge broker/realtor recruiting—the company will gic relationships with the leading mortgage brokers and firms in the industry. Links on the valuable mortgage site individuals to sign up with these mortgage broker houses and/rs, and valuable mortgage will earn a commission for each rships with internet service providers (isps)—rships with leading isps will generate incremental revenue valuable mortgage user who signs up for access with the ental revenues are expected to be $30 - $50 per er and accessory sales—the company will negotiate ular hardware vendors to provide access to the valuable with the sale of this ts and services sold to the valuable mortgage ity—the company will feature specific products and/es that are relevant to the interests of the valuable community. These products will generate additional income le mortgage while providing niche–targeted to the valuable mortgage –through incremental revenue—the company will t focused banner advertising that brings incremental value to le mortgage communities. Click–through" that a user follows from le mortgage rships/co-branding—the company will sponsor unities, products, or services that bring incremental value to le mortgage users. Rships and co–branded opportunities will onal income for valuable mortgage from the program's these valuable mortgage ship program benefits—the company will sponsor a m allowing the valuable mortgage user community to earn. Through the valuable mortgage channel program a portion reward benefits will be paid to valuable mortgage itself ipating merchants and ate transaction fees—there will be no sales strategy ction fees. The more processing that ted to valuable mortgage, the higher the transaction fee will primary focus of the company's sales model is a four ch to the sale of company services called poem:Portal—as a portal site, valuable mortgage will become y 'meeting place' for all individuals zations in the mortgage processing rced processing—valuable mortgage intends to s levels of outsourced processing capability. Rather than just provide tools to the hope that they utilize them effectively, valuable mortgage proactively manage the process of how those tools are utilized,Thereby guaranteeing a successful le mortgage membership company will offer three levels of membership, each providing ental value over the other. These membership levels will be , gold, and membership—the silver membership level is ge's basic membership; however it includes onality that members at this level have almost total access le mortgage services. At this level ship, all the mortgage broker would have to do is to prequalify and record an occasional loan application. Valuable mortgage the rest, from processing the application to stepping it through ary tasks to completion. At each step, valuable mortgage e detailed information to the mortgage broker so that they are of the process that is occurring, however valuable mortgage all responsibility for actual company relies heavily on strategic alliances with existing companies,Both in the internet industry as well as other companies that ts or services that bring incremental value to the valuable ity. Some of these alliances may include:Planning resources purpose of these partnerships will be to bring as much to valuable mortgage users as possible. Additional partnerships ces will be developed on an ongoing le mortgage's advertising plan is to take heavy advantage et based advertising campaigns, specifically focused on sites duals from the mortgage processing industry would onally, valuable mortgage will tale advantage of ising medias as well, including newspaper, magazine, and and television as ions & public primary objectives of the company's promotion plans are to:Inform and persuade potential customers to register on the portal site;. Traffic to the valuable mortgage portal site as a ation for individuals in the mortgage loan industry; valuable mortgage's corporate image to build its suppliers, employees, dealers, and financial company's promotion strategy consists of advertising, sales promotion. Additionally, the company will be retaining a relations firm, to design, establish and build corporate and fy that will complement other aspects of the ge's marketing and communications company's management team is comprised of individuals who extensive experience in various aspects of valuable mortgage'ss strategies, and effectively add value to the management team unique and specific skillsets. Horte has a background in systems integration mmunications and has designed and implemented many large process oriented implementations both in and out of the president, business development—dante lamont: mr. A mortgage brokerage firm where for three and a half years ined top producer status, generating over $30 million in . Derquizo has in–dge of the mortgage industry and what is required to the mortgage process. Derquizo co–lemortgage and has been instrumental in its marketing, creative,Direction, fund raising, and er service/product company is committed to superior levels of customer satisfaction. The company's commitment to ers is their one and only intent for the valuable mortgage portal site is that it age of the leading technologies available today on the internet, so completely transparently to the affiliate. The company will outsource this functionality,Including the hosting of the valuable mortgage portal site. This valuable mortgage to enter the market with lower capital costs effectively stay in step with technology support and valuable mortgage portal site is the actual website that the ge user community will interact with. The portal site ntly be in a state of development so that valuable mortgage its content will always be fresh and its appearance friendly to use. Click–through" access to a wide variety le mortgage partners driven by an "" that will randomly place unobtrusive graphical users' screens inviting them to click through and inquire.

Interactive "search engine" software to allow search the entire world wide web while providing customer ement information to valuable mortgage; and. One–stop shop for communications to parties of the ing email, voice–mail, fax, chat, and other company's intellectual property exists in three forms: –site names it uses; various services and idea names ances on the portal site; and specific technical designs ng internet domain names have been registered on behalf of ge and it is expected that in the course of business new also be registered. Valuable mortgage" and as business continues, arks will also be arks will be applied for in areas ranging from logies and architectures to the applications that are planned company will require six months of development to get to the the product can be released in its first version for bution. The company expects to sufficient on a cash flow basis starting in the sixth month total financial requirement to implement this business plan uently be $1,561,ent of revenue—year ent of revenue—year of loan agents of loans transaction of loan agents of loans transaction of loan agents of loans transaction ent of staffing and salaries—year ent of staffing and salaries—year business er service er service er service er service er service ent of profit and ent of profit and loss.