Ep #49: How to Become a Mobile Friendly Originiator

In today's highly competitive mortgage industry, building profitable relationships with the real estate agents is essential for success. However, finding effective ways to secure agent relationships can be a challenge. With so many mortgage loan originators vying for the attention of real estate agents, it can be difficult to stand out and establish meaningful connections. Our new case study featuring loan officer Chris Cogill is a must-read. Chris has closed a remarkable 36 million in funded loans from agent referrals. And in this case study, he shares his proven strategies for building strong relationships with real estate agents and leveraging those relationships to drive more business. To get your hands on this resource, head over to LOKestudy.com and download your free copy of the case study today. You'll find actionable insights and practical tips that Chris used to close 36 million in funded loans from agent referrals and how you can too. Don't miss out. Go check it out right now, visit LOKestudy.com and download your free copy today. Mortgage Marketing Radio Brought to you by the Mortgage Marketing Institute, your number one source for truth in mortgage marketing. And if you do like what you've been hearing, take a moment and let us know, little love online on the inner webs, give us a little ranking on the iTunes. If that's where you happen to be listening or anywhere else we are allowed to leave a comment, leave a ranking, we appreciate that, helps us reach more mortgage loan originators. And as always, if you have a question, suggestion, want me to interview somebody in particular, you can always communicate with me over the web email info at mortgagemarketinginstitute.com. So this week, we are talking all about what it means to be mobile friendly as a mortgage originator today. I probably don't have to tell you that the world has gone mobile and that users, buyers, agents, first time home buyers have an expectation around a mobile, friendly user experience. And just a heads up that goes way beyond just having a 10.03 online and having an online app. That's kind of minimum table stakes for today. What am I talking about when I talk about being mobile friendly? I'm talking about, do you make it easy for your clients past database to communicate with you, your referral partners, even better? Do you make it easy to be referable? What do I mean? I mean, do you live on somebody's home screen? Do you live on somebody's phone where they're accessing it multiple times per day? And are you leveraging that opportunity to drive engagement to add value and to get more referrals for you if not that I encourage you to listen today and take notes and write the information down because my two guests today, Derek Van Dam, Branch Sales Manager with movement mortgage and Ryan Leopold co-founder of CardTap, which has a very cool web-based mortgage app. And you'll learn a little bit about the differences between web-based app and an app that's in the app store and why that's important. But the reason why I brought these two individuals on is because I thought it would be relevant and important to share two perspectives. One perspective from Ryan, who is one of the co-founders of CardTap, talking about what it means to be mobile friendly and how we integrate that into our overall sales process today, both in working with clients and referral partners. And then of course, Derek, being the in the streets currently active mortgage loan originator, is going to share some actual use cases and best practices of how he's getting referrals, how he's getting more conversions, how he's converting more tire kickers and look-y lose and TBDs to actual buyers staying top of mind, how he's driving social engagement and really just creating a wonderful, referable user experience for his clients. So if you've ever wondered, what does it really mean to be mobile friendly? How do I, as a LO, get mobile friendly? What does it even look like? How would I do that? Today's episode's all for you. We're going to unpack it. We're going to dive in and you will walk away from this episode learning not only what it means to be mobile friendly, but how you can get started today in having a mobile friendly user experience that gets you more clients, more referrals, more fundings. So I hope you enjoyed this week's episode and let's get into this week's show. Ryan Derek, welcome to the show. Thanks for having us. Thank you, Jeff. Appreciate it. You bet. Okay, so for listeners sake, let's allow each of you to identify who you are real quickly and then we'll get into the show. So Ryan, go ahead and say hello, quick bio, who you are, what you do. Yeah, Ryan Leopold, co-founder of CardTap and formal announcer 15 years. Awesome. Derek? Yeah, I'm a branch manager with movement mortgage. I've been in the business 15 years myself, but about just about a year and a half with movement currently. Great. Thank you very much. And great to have you guys here. I know we're both busy, all of us are busy. So let's get into kind of, I wanted to start with this concept of being mobile friendly and there's a term that I use called being a modern mortgage originator. If we could maybe just kind of unpack that for a second, and I don't know if Ryan or whoever wants to take that first, because when a loan officer hears, you know, being mobile friendly, like, well, what does that really mean? And how can I as an L.O. be mobile friendly? So anybody want to jump on that one? Yeah, I can jump on it. So this is Ryan. So yeah, the whole premise of this even came up was being a former originator and looking at everything when I was originating from a different kind of perspective. So when I was doing loans, I looked at everything as being about marketing, about getting my brand, my name, my information in front of my clients and realtors as much as possible. So when I was, when I looked at marketing, I would do postcards and email drip campaigns and video and social media, again, everything to keep my brand in front of the people that mattered most of my business. So four years ago, when we were, when my partner and I were still originating, we look and said, what's the one thing that people have in front of them every minute of the day, being their smartphones? We just, again, look at it at a solution for ourselves because we couldn't find anything out there and said, wouldn't it be cool if we had our own app and had the ability to share our app like a digital business card to get our brand and information right on the one thing that people look at every minute of the day being their phone. So the first phase of mobile marketing is just being present and having that real estate on somebody's phone. And so Derek, when you hear that, you know, I don't know what your reaction was initially to kind of getting mobile friendly and maybe you're more receptive to it, but what's your take on being mobile friendly? I'm a big fan of technology in general. You know, I do a lot of connecting to clients and to real estate agent partners through social media. Like I probably spend an hour or two a day just in different types of technologies in order to expand my customer base. So I'm comfortable with it. I enjoy using it. This particular app really had appealed to me Ryan's company because it acted like a virtual business card with a ton of great functionality added on top of it. You know, to me, I'm all about trying to look as polished and professional as possible to the end client. And this is something I think that just does a really good job at that. It just looks sharp. It looks tight and anytime that I sit across a table with a real estate agent and put this on their phone and walk them through it. Like at the response from every one of them has always been extremely positive. I mean, they really like the way that it looks and they really feel comfortable sharing it with their clients because a lot of them are believers in technology as well. I mean, particularly when you take a look at, you know, I tend to do a lot of business with first time home buyers, a lot of millennials, a lot of them are technically savvy. Like you have to kind of be operating. It's somewhat near the same level. I mean, I don't, I'm not Snapchat and I'm not like totally on level here. I'm a little bit old. But you know, this allows me to at least participate in something that looks pretty cool. Yeah. And so I want to clarify also what seniors were talking about mobile and, you know, the app Ryan, your company obviously card tap is an app, but I want to clarify conversation you not had the other day Ryan, the difference between, you know, native versus web web based app. And because I know some LOs have probably had experience with some apps in the past and maybe find it a bit cumbersome to use and integrate into their process. So take a moment and identify how your app is different in terms of like a user right functionality. So even on that, that premise of just being mobile is when we first put this together, we knew that everything had to be easy for the loan officer. And most importantly, how to be really easy for the real estate agent and the consumer. So native apps, everybody knows and understands, but the problem is a lot of people just don't download apps out of the app store anymore. It's a cumbersome process. It requires a password a lot of times. It creates memory on their phone. So they're just kind of adverse to doing it. We always looked at ways to make it easier for everybody to use these are products specifically. And if you avoid the app store and you make it more web based HTML based, it's just simple and easy to share it with somebody. They click on one link and they do two steps and add it to their home screen and accent functions. When you go to that mobile or that HTML web version, it makes it a lot easier for everybody from start to finish as opposed to go native and go into the app store. Yeah. And so when prepping for this call, obviously I kind of tested the app out and it's definitely is a much more user-friendly experience in terms of I don't have to get like you said. I don't have to download the app store. I just go to the link and all of a sudden, you know, within a matter of a click or two, it shows up on my phone. And for the past week or so, I've had Derek's handsome face staring at me on my phone screen. So I think that's the perfect transition to. So for the L.O.s listing, they're like, okay, mobile app, great, cool. How do I use this in my business to either grow my business, get my referrals, right? Stay in touch with past database. So for you, Derek, maybe walk us through a couple of use cases in terms of how you use this in those different scenarios. All right. So I have certain times where I use it more often than others. And the two times that I do, one of them is a network of events. And then the other time is at coffees or lunches that I take out real estate agents for. Those are really the times that I find myself most regularly offering these to people to use. So if I'm not a networking event and I sit in chat with nobody for a few minutes, and of course I'm a big fan of buying drinks and, you know, just kind of like in the dating world, it'll buy you five or ten minutes of their time. And that's all I really need. So I'll buy a drink and I'm sitting there for five or ten minutes. I drop our value proposition and of course, moving out of things to be able to offer in that value prop. And then at the end, when they're all excited because if I did my job right, they are. And then they'll say, hey, do you have a card? And I'll say, I've actually, I'll do you one better. Let me put something on your phone and you're going to love it. Do you have your phone, Haley? Hey, pull it out real quick for them. And I'll have them pull out the phone. I then take their cards. So I kind of use this in combinations. Here's what I do. I take their card and I have an app, a free app called Cam Card. And I scan in their app into my phone. And once they're into my phone, it saves it also in my normal directory of people. And then from the app, I go ahead and send them, I send them the link. And then I, the key to this whole thing, though, is you got to walk them through the whole thing one time while you're there. For people that I don't do that with, my response rate is almost still. But for the people that I've actually walked through and showed them all the screens, it's amazing how many people really use it and use it regularly because I get notified every time somebody uses the app and my phone blows up all day because I've given it to so many people at this point because I've had it. I think I've had the app now for about two and a half years. So I've been doing this. So I sit with them and launch the same situation. We have a great launch. I tell them all about us. Let's go ahead and put this app on your phone real quick. I showed them how they can contact me, get a hold of myself, my team. I showed them how they can refer leads to me and use it for that. I show them which portion of the application is specific customer facing versus them facing with as far as I have a link right to it to our easy app. I have and some surety links that they could just put in five or six fields of information if they just want to give me a little how it ties into my Zillow and they can see my reviews that I've got on Zillow. And then I show them some of the great functionality that they can use. Okay, so the two biggest things I think on the app that they as real estate agents can use, the one is the area for me. But the other one is the calculator. The calculator is fantastic for me able to calculate a full PIT payment for one of their clients. And what makes Ryan's app better than the other ones out there or any other one that I've seen that that does a calculator like this is that not only does it include the escrow for the taxes insurance in HOA. Well, I know that's not an escrow, but it includes HOA. But what it also does is it includes the PMI. So Ryan's company's got a partnership with MGIC and they're tied into MGIC's engine and I show them how it calculates the PMI at the same time. And that's pretty cool because that's just something that you don't see out there on the other apps. And then I explain to them how they can screenshot it and send it to people and there's a new function on the app that just came out. I don't know where I want you to release this in the last week or two because I only just saw it. But now you get to email somebody and quote from the app. That's pretty cool. You can. Yeah, that's actually within last week. Yeah. No, I like that. Not in the little edition I saw that when I just was putting it on somebody's phone a couple days ago. I was a little surprised I hadn't hadn't seen that before. I like that new functionality. So perfect. So that gets some use in it. That's what you want. You want them to use it and you want them to see the value and that's great value. Yeah. So there's a lot there. So a couple of things to clarify. One of you just said you can email somebody a quote. So that means you can work up kind of a payment calculation and email that to them right from the app. Yes. All right. That's awesome. And you mentioned something earlier just a just a note for those listening and we'll put it in the show notes. The scan card app which you use to scan somebody's business card. Is that what it's called? Cam card. Cam card. C-A-M. Cam card. It's it's free. It's free on the app store and so what I do is I just anytime somebody gives me a card. A lot of times I just do it right then in there. Scan it right and while still hold I'm holding it in my hand. Yeah. And then it goes right into my contacts and I've got them in. Okay. Now and I have a folder. You can make folders. I put them in a real estate agent folder, a builder folder. I do some recruiting of other loan officers. So I do an L.O. folder so you know different things for different things. Yeah. Okay. So that's very interesting in that school because you can obviously streamline a lot of that stuff and there's there's multiple. I mean there's just so much in there in terms of from a from a co-marketing standpoint. Do you find that the realtors are using it somewhat to you know maybe run some scenarios or they typically just you know throw that back your way? They do it sometimes. They do it a little bit more for their own curiosity in certain situations because first of all I find that out of the estate agents by their own real estate. So a lot of times they're kind of curious. Yeah. What all happened is as a client will come to them and say listen I really only can can spend X dollars per month. If somebody says something to me I can spend 1200 a month. I can immediately pop out the loan amount. So that's a weapon. If you're in the middle of down, it needs to be this and I kind of have a good feel for where it is. But this maybe they're not as good as the estate agent find out if he is going to pull him out quite out as quickly as I do. So I think if somebody says to him you know I really only want to spend 12 of the dollars month. I think they go in there and they try to figure out what 1200 dollars a month will get their clients so that they know what kind of things to show them. I think that's really easy. And the links and Ryan you might want to take this in terms of the links that I'm sure it depends on the customer engagement. Like Derek mentioned he's got a link to apply online to their easy app. Request to quote customer reviews which is cool so testimonials. That's optional in terms of some of those buttons you can put in there. Yeah you can basically put in any content that a loan us was going to have online you can build into the app. So like you said if it be a website apply online check loan status social media reviews. Anything can be built in there and then we look at it as like a distribution tool. So if it's like a digital business card that you're sending to somebody you're not only sending them an easy way to connect with you using the tools that Derek mentioned but also that consumer or the realtor as a chance actually get to know the loan officer a little bit through the app and the loan officer can control what information those people are seeing. So a lot of times loan officers will have a lot of content out there which is great but it's never really seen because there's no way to get it in front of people. So every time you have that engaged conversation and whether it be with a realtor agent any partners you're trying to work with a consumer a lead current client anybody. Share your app with them like Derek really face the phaser over the phone where you can explain to them the value to them and walk into the process is where you get your best banged your buck out of it. It's a distribution tool for all your content. Well one of the things I like about it is like you said we're trying to drive interaction and engagement in this app it's you know it's where everybody lives as mobile and on Ryan's particular example here he's got links to you know Twitter linked in Zillow Google plus he's got links to videos that you know our content related videos about the mortgage process. What types of analytics Ryan would somebody get like the L.O. let's say if I'm clicking through and looking at Ryan's videos for example number one does the reporting go back to him and number two is there any kind of push right to the end user side when perhaps there's new content. Yeah so not necessarily push to the end user but from the loan officer standpoint they can see as long as they've shared their app with that person the first step is now it becomes a two-way exchange information so if I share my app with Derek and I meet him at a party or a network or event a barbecue or anything I put his name and phone number in there I've captured his information he only has my app and he can have access all the information I have built into it but I have his name and phone number I can control the follow-up. Number two on the back and it's an attract everyone to share your app with you have their information and you know that you share it with them but it also is going to report back to me or back to the loan officer letting that loan officer know anytime somebody uses the app no matter what they do wanted if they open it if they go to the easy app if they go to their website if they read reviews if they do a mortgage calculator or if you get a referral that loan officer is notified in real time from via email on their back end dashboard and via a push notification so that immediate data is really crucial. Yeah and there's a lot of cool stuff there because you mentioned to me when we last talked that let's say I've got Derek's app on my phone and I'm talking to my neighbor they're like oh yeah I'm interested in you know buying a new house or you know whatever the case is somebody else is interested in some type of a mortgage financing I can actually share that app with somebody else right yeah so kind of back to that theme at the beginning is about making everything easy so loan officers obviously want referrals but we need to make the referral process easier for our past clients family and friends or referral partners so instead of them pulling at a business card and handing it to somebody which people aren't going to do and send them just sending a text with a name and a phone number or writing a name on a piece of paper or an intro email where people get 400 emails a day is now that real through that friend or family can just open up in this case Derek's app hit share referer put the person's name and phone number and hit send it's going to send them a link via text to download Derek's app and then Derek will be notified in real time hey Sally Smith your real estate or your neighbor just referred you to Bob Johnson and that neighbor can even put a quick note in there that would only go to Derek referencing that referral so hey Derek friend of mine neighbor looking to buy a house as I said you're great now that consumer is going to have all of Derek's information Derek has their information how he can give him a call and make the connection ideally faster and more efficiently another thing I like what you said earlier about the loan officer receiving notifications as somebody is engaging with and using the app so I'm let's say a TBD right I don't have a house yet but maybe I got pre-approved by Derek and his team but I'm in there like and and you know obviously a certain Derek you can relate to this some of our clients go dark right maybe we took an app in three months go by and they still haven't found a house or maybe they just went radio silent rent went off you know went off the grid so how do we stay engaged with them well I like this because if they're in there playing around with the calculator or whatnot or reading your content that you've got on the various buttons and tabs you're going to get notified and see right where they're engaging and that's all of a sudden a kind of a call to action for you to touch base again that's nice to know you know I like to spin up on there I have a real estate against too I have it with a real estate agent I haven't shattered within a year and a half and all of a sudden I see them on the app again like that's the perfect excuse to call to do that so yeah no I that's a big fan of having that information because there are really two parts to this app you know there's the app itself and then there's the kind of the management piece of the app and that secondary piece which kind of rolled out I guess about a year year and a half ago something like that that's been very helpful for me one of the things that I like about that piece more than just the notification is that it also allows me to send the link to people in my contact list in my phone that was kind of big for me because in the past I'd have to sit there and pee in their number every time and now again I do what I said before I scan that for the card and then I just you know go right from the contacts on my phone to send it to them and it's faster and I and I appreciate having that ability so I don't even know if I use all the functionality that that management has but those are the two biggest things that I like so yeah I'm going to tee that up for you in a second Ryan in terms of you know what areas of the app maybe you see other uses that Derek is not for whatever reason but let's let's close out this loop about in terms of usage notifications and reporting meaning so Derek can see well you tell us Ryan we talked about it the other day we've got the stats and Derek can look at his app at any time to see what the usage in the sharing has been going on and I think I've got to ring down here that his app is to date roughly on 327 phones he's gotten 139 referrals and over 5263 times it's been clicked on what does that mean for those listening in you know the right context of an L.O. The way I look at it and as I kind of reflect on my days of originating is that every one you talk to basically is a potential client right so it's somebody who's looking at possibly buy a house or somebody who's looking to refinance so if the first habit of the Lone Officer is sharing their app with every single person they have an engage conversation with kind of like handing out a business card that's key number one is just getting it out there and sharing it with many as people as possible number two is like Derek was saying if you're in front of them face the face or over the phone educating them on the benefit to them why would they care to have your app and if you're having an engage conversation with you and they ask for your business card obviously they want your information they want to learn more and that tracking piece again is what brings it all together because it's all about opportunity management I mean I can't even foul them how much money over 15 years that I lost as an originator just simply from the cost of missed opportunities yeah absolutely now just that person that I meet at a party they say yeah I've been thinking about buying a house for a couple months you know my wife and I haven't bought before we definitely asked some questions hey do you have a business card on you I'll give you a call if you're lucky enough to have your business card on you you hand it to him you go great give me a call I can definitely help you out and then how many times you never hear from those people again sure yeah probably most of the time and now this is putting the control back in your hands because now you have their contact info in your app without a doubt either a you now have their name and number because you shared their your app with them you put a note in there so you're referencing that hey I met you at this party on this date so when you go back and you check your log and you see you know I'm you know meet somebody on a Saturday and you go back and want to call them on a Monday you just give me a call remind them of the interaction start the dialogue from there or even better is that they're on the app clicking around you're notified in real time just by being on the call for us 15 minutes I've got four different people have been on my app clicking around and I can go and either am and I recognize their name and call them right away because I know they're engaged right now or I'm in a reference my note and then give them a call to reengage so like Derek mentioned he had a realtor who sent his app to a year and a half ago who's on the app perfect chance to reengage but anybody could be a buyer from three or four months ago it could be a past realtor it could be a past client on there click in the refinance calculator you just never know but that's the power of the tracking is that notification that someone is thinking about you right now that's awesome what aspects of the app would you like to bring up that we maybe we haven't mentioned yet I would say the biggest thing which I mentioned a second ago in where I see we have 15,000 members nationally loan officers who use our app but what I see is the biggest gap is just not using it part of their system and process every single day is that and a lot of times I'll sit down with a loan officer and we'll evaluate how many people do you tend to talk to any given week about mortgages whether we have past client a new lead that came in some who just calls for a scenario question lead that you get online Facebook inquiry whatever it is those are all opportunities to share your app so if you have 15 or 20 a week right and you share it with every single one of them at the end of the month you have 60 to 80 new people you share your app with so I think it's all about just recognizing opportunities of where you can share the app and how to sell again sell the benefit to them absolutely so I'd say that's one piece that a lot of our loan officers haven't fully integrated yeah and I would add to that you know the topic we opened up with is becoming mobile friendly in today's world and you know Derek you obviously mentioned working with first-time home buyers and millennials so there's this expectation around user friendly right and a positive experience and from a branding perspective it's a little bit unique and different to have like your headshot on somebody's screen versus some some logo that they forget what the heck is that app right now it's true I kind of like that you know there's a lot of phones out there with people smiling out when they smile and I always make a little joke about it you know every time it goes on their phone and they kind of they see it there for the first time and I'm like and the real value here is that you get to look at you know and you know of course I'd make light of it but it's it's fun you know I kind of like to have that you know it's nice to be because it's you know you don't know anybody there's nobody else's app out there which has a headshot like if you take a look at all the real estate agent ones color why I'm some of these other ones they're used it's the KW logo or it's what have you this is the only one I know that does this and I've actually had real estate agents that told me that they liked it so much that they wanted to get this for there you know for their thing too and then I just I got somebody over there at Ryan's shop I just send it over anytime somebody says that to me because you know why not it's obviously a good testimony if they really like it so much they want to use it themselves in lieu of their KW or whatever one that they have absolutely in the calculator where I love about the calculator it's it's like a lot of apps is just like you know one generic calculator you guys have an affordability of refinance and a purchase calculator so that's that's really awesome because those are three completely different scenarios yeah it's you know the loan programs too it's or it's built in with a conventional FHA VA in USDA so it's already taking me in the MI premium for FHA for example and the finance in MI and then conventional like Derek mentioned earlier we integrated with MGIC so somebody puts 10% down with estimated credit score of 720 it's going to pull in that monthly MI rate from MGIC so at least they have a really good estimate of what the monthly MI is going to be hey let's not forget right in L.O. it could be having a conversation about affordability and it's like oh yeah and you're at the beach or whatever right that classic story um but you just whip out your app instead of like needing to have your laptop or whatnot to get access to your software right there's so many stories that I've kind of run into personally even after I was done originating where I've seen how it works in the street and how it works not only from educating a consumer getting them an idea of what they can do and then also making those connections with the loan officer again or just making their full process faster so I was at dinner with a couple like six months ago and we're talking and they have their second baby and the smallest house and the guys when you guys gonna get a bigger house move closer to us and they go yeah I don't think we can afford it and now probably it's not a good time and I go I know you can and they go well what would a payment be on this or what would a payment be on this so I pull out my mortgage calculator my app with a loan officer I now refer all my business to so I pull out the calculator and I showed them different payments with 20% down and 10% down and they're looking at the payments going oh my god we could totally afford this and they kept raising the price and raising the price like we can totally do this well what do we do next and at that point right there if I'm just a consumer and I'm with a friend who wants to buy a house how do I connect them to a lender and a realtor and how I make it memorable were that that my friend is still gonna remember them and how would how's the person I want to refer them to even gonna know so right there I pull the open up Drew's app hit share refer put their name and numbered hit send put a little quick note to Drew so that way my friends got Drew's app on their phone Drew got a notification saying hey Ryan just referred you to Justin and these now they can make that connection and I did the in Derek mentioned we have one for real sedations as well so I did the same thing with the real sedation I worked with in our market I said hey now you want to talk to a realtor in this market Sarah's the best I pull out Sarah's app hit share for sent to both of them so just right there in the spot when they were thinking about it I was able to connect them with a good lender and a good realtor and both parties were notified so the connection was made faster more efficient that's a great process and from a point of differentiation as well in the local market we want to rise above the noise as an L.O. how do we differentiate ourselves you know obviously we know rates and not so much programs at plus and minus a few percentage points maybe so then we've got right we close fast close on time of course I know the movement mortgage value prop there and that's an awesome one but when it gets right down to it it's it's all about that end user experience and I could just see right I don't know if you've done this Derek like classes so what's the why is it different to work with Derek and the team all the other reasons you would already normal state but then additionally let me show you an app we have to make a user friendly to make it easy for you guys to share refer clients oh by the way realtors if you want one of these like it said earlier there's one of these available for you if you want to learn more about it let's get together it's just that's another platform just to even have a meeting with an agent you know once they see this one of the piece that seems really small but when I was originating got the best reaction from my partners and my clients was how easy it was to stay connected with me and my team so just looking at Derek's app he has himself as a main concept and is is your assistant still Steven Derek? Yes Steven I actually had updated it when I when I had it got a new LWA you know about six months ago so yeah so it's got my it's the current information to my current LWA perfect so at minimum if one of Derek's clients is they're in the pre-approval process or in contract or even afterwards if they ever have questions for Derek and his team instead of them having to plan all business cards which are not good at bottom or go into their contact list of their phone and try to scroll through and try to find his name and information they can just open up the app hit contact me and team they can call Derek text Derek email him or call Steven as assistant to get any questions answered fast and immediate as opposed to tracking down that contact information which is about making it easy for people to think of us remember us and do business with us and that easy connect piece I think is that is a small but really powerful piece that loan officers clients and realtors seem to really like yeah one other thing I'll point out as well is that on the on the other page the one all the way at the end you know there's a lot of links for different things to put on there so I put all the links all to my social media because I use social media almost exclusively for business I actually have a separate Facebook account for friends where I can you know maybe get a little bit more loose than I would otherwise but you know I I'm a big Facebook LinkedIn guy and you know I'm always real tight about not discussing anything controversial on there and keeping it all prosperous and everything else but you know I've spent a lot of time to build up my social media like I you know I got up to I don't know whatever 4,000 contacts on Facebook 7,000 on LinkedIn but I also went and got a lot of reviews okay like Facebook I think I have 90 some five star reviews on there you know so sometimes people like to see things in multiple spots so even though on the homepage I've got my Zillow link and that's kind of good because they can write whole full paragraphs and stuff about me and the like but a lot of people sometimes like to dig a little deeper on a person and even if you don't give a max just they'll try to do it on their own like they'll try to look you up on social media and see if they can find and see if you look kind of like you know like respectable and everything looks straight and you're professional and in your posts and everything else so all my posts are for the record or I you know I make them all public like I don't I don't hide anything I'm always talking good stuff but I link it there on that last page so I link them to all of those different ones to Google plus I don't think I have my Yelp one on there but I don't have a ton of reviews on Yelp but I do Facebook and I do Zillow and I do a bunch of other things and I think that if they were one of these nervousnelly types that you know a little bit scared about this and don't want to you know jump in until they feel a good feel about a person I have had people come back and tell me later and say that they did check out those other links and then once they saw that I got positive reviews on all of those different spots is that's when the moment that they felt like they wanted to do business for me so you know even though that's not like one of the primary things that's on that that you would use this app for you never know what little thing it is that sometimes makes a person interested and want to do business for you and if that's looking at my Facebook so be it that's why I'm spending the time on it that's why I build it up and try to make it look good you know I'm trying to use every lever at my disposal trying to be like Bill Bella check man you know the devil you have to do a lot of little things right you have to plate your balls correctly you got to do everything oh jeez I thought that was going to be a positive patreon it's comment there man that's what we do I see I'm from New England man now it's getting dirty on here no that's I'm so glad you you pointed that out as we wrap up here Derek because to your point actually that is the currency of trust today is the online reviews and people are stalking you online they are looking at your Facebook page they are looking to see what your presence is the content you have because that's how they build trust and like ability so the fact that this app makes it easy to connect directly into those various platforms is just that much better and I've just just navigating around while you're talking about that yeah I'm clicking over to your Facebook page your Twitter your LinkedIn and you know the biggest point you made is hey man this guy's out there he's everywhere oh that that builds trust you ever look up a loan officer and you can't even find him anywhere on the internet that's scary yeah I know exactly right how good can they be same thing with real estate agents I'm always skeptical of him I can't find him right I'm like why why aren't you on Facebook something's wrong with him and I'm gonna wait I talk to a loan officer every single day and it mases me how little content is out there for a vast majority of loan officers it's pretty wild yeah and and you know there's a saying that we have in the real state industry when I do these classes for agents it's like what's more important you know being being known or being knowledgeable and you know you know well you know the answer is being being well known right because it's one great you got anybody know a realtor who's like doesn't follow up as well as you not as right doesn't care as much as you not as knowledgeable as you but guess what they're everywhere what's the perception if you're everywhere you must be successful you know you must be somebody right yeah exactly right and that's the perception today we need to be online and be everywhere yeah and on that particular side of it I realize this goes off a little bit today's conversation but if you ever want to bring me on for a future one yeah I do have a company that I work with that does relationship management for me so every time I have a closing they send out a link to them to to Garner those reviews and then they they push them all out to the different sites that I work with they also every single day post on my Facebook and Twitter you know relevant content and they're incredibly affordable so like you know if you want to do this for another meeting by all means I'll be happy to share with you the company that I use because they do some great stuff all right you got to put it out there now who is it come on all right all right so it's digital media nations the name of the company the relationship management side of it is only thirty nine dollars a month and then the Facebook and Twitter posting is in another thirty nine dollars a month so like I said this is not Frank breaking stuff but the company's called digital media nation the owner is a gentleman by the name of Chris Nell Grove I don't know if you want to have people reach out to me and I can give contact information I'll do it but it really helps me a lot because how it works is is every time I have a closing I send them the link if they can rate me on a scale of one to five stars if they give me a four or five stars then it then points them in the direction of all my other social media sites so that they can share that information out there with everybody else in the world but if it's a one two or three it takes them to another page and allows them to vent and share what they didn't like about the situation so at least like they felt like they got it off their chest and they had an opportunity to be heard so they don't feel like they have to go out there and trash me online so thankfully this doesn't happen very often but let's face it you can't make a hundred percent of people a hundred percent happy a hundred percent of the time or whatever you're saying is so you know in that particular case it's it's nice to have a situation like that where I can have a little bit more control over both positive and negative comments and at thirty nine dollars a month that's like nobody's crying about that from a cost price well there you go digital media nation we'll put it in the show notes awesome okay gentlemen I appreciate it very much we are out of time so as we wrap up I wanted to Ryan allow you a chance to share we'll put it in the show notes how people should reach out to you to learn more about your app and what you guys do yeah they can always go to www.card.tap c-a-r-d-t-a-p-p dot com it's card tap dot com or they can call me directly at four two five nine four seven nine two seven three as forty five nine four seven nine two seven three awesome and Derek if they want to check you out on the web what's you got multiple places to go where do you want to send them yeah you know I mean I don't know like it's pretty most part anybody's always welcome to call me like they want to talk through this a little bit and see what I think about you know this maybe they feel like I'm not being fully candid and this arena and want to you know pick my brain on the side about maybe what I don't like which can't handle it there's nothing I mean if it were free I suppose it would be nothing but regard it's definitely worth what I pay for it I wouldn't keep renewing every year so they're welcome to call me my number seven seven zero seven one three eight four eight two and if they want to reach me it's Derek dot bandamit movement dot com they're more and welcome to email me out to I'm in the Atlanta market if anybody wants to chat be more than happy to do so awesome so thank you guys very much appreciate it I think it's been a quick you know education on getting mobile friendly and one of the best apps out there for doing so in a way that also helps us drive business and create more opportunities for us in the field as loan officers after all that's what this podcast is all about so for you listeners thank you for tuning in hope you like this week's episode as always if you haven't subscribed please make sure you do so leave us a rating on iTunes if that's where you're listening and once again I appreciate you so we'll see you on the next one bye for now thanks for listening to mortgage marketing radio one more truth in mortgage marketing get more free training and resources at mortgage marketing institute dot com hey guys what's up real quick you've heard about the mortgage marketing pro membership before and I just want to quickly remind you if that you're in a place in your business where you simply need more purchased loans you need to fill your pipeline with purchase business let's just face it agents are still a solid pillar of business and sources of purchase business for you well good news our mortgage marketing pro membership helps loan officers like you close more loans without the hassle of chasing agents or cold calling done for you agent 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