Ep #52: The Fastest Way to Qualify a Borrower on Your Mobile Phone

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Go check it out right now, visit LOKestudy.com and download your free copy today. Hey listeners, Jeff Zimper, welcome to this week's episode of Mortgage Marketing Radio. So glad you're here. Hey, if you've been listening and haven't yet been over to iTunes or Stitcher and left us a review, I'd appreciate if you'd get value from these podcasts I'd like to know. So please leave us a rating on iTunes or Stitcher and if you want to reach out to me directly if you've got a question, suggestion, let me know how you like the podcast, who you want me to feature as a special guest, maybe you're listening and you want to be a guest. Reach out, let me know info at MortgageMarketingInstitute.com. Okay, so for this week's special episode, I am talking about once again, being mobile friendly because for many of you, you're still not on board, you're still not creating or delivering a mobile friendly experience for your end users, your clients and consumers and your referral partners and the tide is going out people, meaning those who create and deliver the most user friendly experiences, ones that are mobile friendly, those are the ones that are going to get the lion's share of the business. And I was reading a study recently about apps and app downloads and how app download is slowing down and according to this one study, app downloads in the US was reduced by 20% in 2016 as compared to 2015. And some people don't download new apps today and the market is kind of matured to study one on to say and that most people have the apps they need and there's obviously limited real estate on somebody's mobile phone screen, right? And so the study talked about how Google announced a new type of app called a progressive web app. And what is that? A progressive web app is one that can be used through your browser, from your mobile phone, simply visiting a link. And some people predict that those apps will eliminate the need for native apps, which brings me to my special guest today, Drew Brents CEO and founder of preapp 1003. And Drew was gracious enough to take time away from just having come through the terrible hurricane and rains in Houston, Texas. And thankfully he wasn't as adversely affected as some of his neighbors and surrounding people in his general area. But definitely coming through some tough times and spent the day prior to him getting on this podcast, moving a bunch of drywall, choking on some drywall dust. So I'm just so grateful that Drew took time from that challenge to share what he's going to share with you guys today on this podcast. So preapp 1003, it's a complete cloud-based text-initiated, mobile-friendly, mortgage pre-qualification system. It's simply the most efficient way for you, the loan officer, to pre-qualify a prospective borrower all from a mobile device. And you'll hear Drew talk about how preapp 1003 helps from the point of referral, right? And keeping your referral partners notified and updated as your client's complete the 1003, as you get pre-approvals, etc., calculating ratios, funds to close, issuing closing costs, worksheets, conditional pre-approval letters, and more. So if you're at all interested in how do you create a more friendly 1003 mortgage experience, you've got to listen to this episode. It's completely personalized, branded to you, even with a video greeting. How's that for cool? When it clicks a link that you text them from a keyword, they go to a web link, they watch a video welcoming you, right, from you, and then they start to complete their pre-app 1003. Cool, cool stuff. So check it out, listen to this, check the show notes. There's going to be a chance for you to give it, be given a free demo by texting a keyword in here. As a matter of fact, if you want to do that, let me just see here, what is this? Okay. You can test this out right now. You can text to number 48421, the keyword demo at pre-app, okay? You can text the keyword 48421, demo at, that's the at sign at pre-app, and you'll get to shot at what this looks like, but I'll also put that in the show notes so you guys can check it out. So without further ado, let's get into this week's show. Hey Drew, welcome to the show. Yeah, thanks Jeff, glad to be here. All right. Let's get into it. We are talking about pre-app 1003, the mobile app that is not an app like that, as it says on your webpage at preapp1003.com. So before we get into what pre-apps all about, you know, for the listeners, I kind of gave a brief intro of who you are in the intro of the show, but tell us a little bit about who you are, what you do, why are you in this business? Yeah. So I'm one of these guys that that tech company was never, never even on my radar. I come from 20 years background as a mortgage originator that owned a broker shop, you know, didn't many warehouse lines, you know, many corresponded, and I needed something to help me in my business. I wanted a very fast and easy way for realtors to send me customers and for me to easily pre-qual people. So what we designed at the time was a text-initiated pre-qual form that was, you know, very simple for the realtors to use, is very simple for the customer to use. And I couldn't find, you know, I personally hate apps, but I didn't want to tell my customers that download an app or anything like that. So I couldn't find what I wanted. So I reached out to a friend of mine, Neil Beetru, that's now my business partner, and I said, hey, Neil, can you build this for me because he knows code and everything. So he built our first pre-qual form. And when I saw it, I realized I said, this is something that's really going to benefit the mortgage industry, and right there on the spot, we said, hey, let's start a company, let's do this. And we had no idea that it was snowballed and evolved into what it has evolved into. So you know, it's one of those things that it was just something that I was needing to help me do my job better. So that's how it came about. So what did you feel was missing, then, when you say needed to help you do your job better? What did you see? Obviously, the app is, of course, evolved since then. But what did you see as, like, what was that going to help you do? You know, it's funny because I wanted something that was mobile-friendly, and this is actually, this was before Rocket Mortgage even had their first commercial. We were in the process of beta testing everything, when we saw the first commercial. So, you know, it's funny, because I was sitting in my office, I pulled out an old pre-qual form that I used back in the 90s, that we used to drop off a realtor's office and had their, you know, hey, experts pull this outside and the facts again. And we have been using a text to give feature at our church, and I said, no, I really would like to have a text-initiated pre-qual form that would just make all the sense in the world. Like I said, we couldn't find it. So, you know, that's how we started. But I personally don't like to have to install an app. You know, I don't want my customers, hey, download an app, create an account, just to get the ball rolling. I need to something very simple and very fast. So. Yeah. Well, people are downloading apps less and less. You know? It's happening. Right. Right. Everything's going more cloud-based, and that's what we want cloud-based system. Right. I mean, you can, I just pulled up an article about slowing app, download, gross, and the reality is a reality in the U.S., and it's to your point, because people have enough apps already on their phone, taking up all that space, and, you know, there's issues around that. So, cloud-based. So, for those that are kind of, explain what does that mean, cloud-based, because obviously, you know, when we hear, oh, it's a mortgage app, the assumption is, okay, I got to download this. How this works, pre-app 1003, how do I get it on my phone? Okay. So, there's a few ways that the customer, and let's just say to your prospect, how do they get this? So, number one, we lever short code technology. Okay. So, we're text-initiated. And there's some other ways, too, that I'm going to cover as well. But, so, the first way is, we'll set up all the loan officers with our own unique keyword, okay? So, like, for instance, yours could be Jeff, because you have a unique spelling in your name. So, maybe someone could say, text, you know, the keyword Jeff, to 4 equal to 1, they could pre-qualified or to get started. So, as people do that, they receive a text link in response, and they can open up that link. And our form is short enough, or it did not be burdensome for them to fill it out, but it's a long enough to capture enough information to really get a handle on getting them pre-qualified without triggering the trid-six pieces of data. Okay. So, let's pause there for a second, because that's a great point of clarification. Is this a complete 10-03? Well, the initial form is not, but we just released our 3.4 upgrade, which basically, I'm getting a little ahead of myself here, but no, I'm telling you to. No, it's fine. It's fine. So, we've had a lot of requests for, hey, we want a full 10-03, and I just want to explain what makes our system different than some of the other systems on the market, because not only do I not like, in customers, a lot of times, don't want to install an app or create an account to get things started. And the reason why there are maybe some other systems that force the applicant to create a username and password to fill out the applications, because they application the full 10-03 so long. So, and, you know, I think that to force a customer to spend 20 to 30 minutes on their mobile device as the first step, and yes, I understand it's important to get a full 10-03, but to have them spend that much time on the phone on their mobile device to fill it out is, to me, I think that's a failure, okay, and so I'll tell you what we've done. Our form is not a short form, it's not a full 10-03, initially, I call it a Goldilocks form because it's just right, okay, it's short enough that the customer doesn't need to create an account, okay, they could fill it out in five minutes or less when it's at, and then, but it's long enough where the loan officer does get enough data to pull credit or TTI, you know, look at the cash disclosing, get their thumb on the pulse of, do they qualify or not. With our new upgrade that we just released, the pre-qual form is still just as short, so they give the link, they fill out the pre-qual form when they hit submit, then refreshes, and it takes the bar word to what's called a bar word toolbox, okay, and the bar word toolbox has a, it has, it'll have it like a next steps video that you can upload and, you know, talk to them, and by the way, our pre-qual form also has a video greeting that the loan officer can embed into the, into the form too, that, so that's been a real, a real desirable feature in our system, but anyway, when they submit the initial form, it refreshes to the pre-app toolbox, okay, with a next steps video, and then there's a button that says, you know, complete your loan application, and that is where now the bar when they, when they hit that button, they, now they would create a username and password, and now this is where they would flush out the rest of the 10 or three with the data that they missed, including declarations, still not triggering the trade six pieces of data, we're still, still not getting a property address. Okay, so what's the intent then of that initial short version of the process, then, as we want to kind of take the customer off the street, lock them up, get them into our process? Yeah, so, so when the, when the initial pre-qual form is submitted, the L.O. is going to get a text notification immediately, the referral partner is going to get a text notification, and then the loan officer can very easily log in to their account from their mobile device, and our system now, our system is set up just like a mini L.O.S. program, in the sense that we integrate with the majority of credit agencies out there, okay, you can, so, so from their mobile device, the L.O. can log in, they can review the data, they can pull credit, they can look at the credit scores, they can, they can edit the liabilities, they can work a purchase scenario, they can, they can have templates set up in the system too, so they can have an accurate idea of the closing cost, but when they work the purchase scenario, they can, you know, pick, okay, I'm going to do a conventional loan, we're going to, you know, here's a, you know, they basically do what they would normally have to be tied to their desk to do, and, and, you know, we have an interface with MGIC, so it's going to automatically pull the PMI, but the whole point is, is going to give within, within a minute or two, the L.O. can, can, can be looking at those debt income ratios, they can look at the cash to close, they can really get a handle on, do these people qualify, and the next step is, they could issue a conditional loan and approval letter from their mobile phone to both a borrower and the referral partner, and let me just add this as I mentioned, the, the loan approval letters in our system are unique in that the loan officer can set a ceiling sales price, and this, you know, I got the pre-app in, I'm, you know, have my conversation with a customer real quick, I looked at credit, I did the DTI, and I'm very comfortable issuing it for less than 300,000. Well, as the, as they go out there for shopping, you know, realtors, you know, they're going to make an offer for less than $2.75 or $2.95, and they always want those loan approval letters updated to match their offer amount. They never want the seller to know that they, that they're qualified for more. So now, the, the, the realtor or the borrower can lower that sales price on that letter at their discretion, and it'll automatically adjust the loan amount, and they just reprint that PDF off and, and use it. So are you seeing people use a mobile screenshot of a pre-approval in our days versus, you know, print out? No, I don't. Because, you know, realtors, you know, what they want, and, and, you know, of course, your, your audience can correct me if I'm wrong, okay? But, you know, when they make an offer, they're sending a, they're sending something, and they want that letter in that. So they're going to print that offer, they're going to save the PDF, and it's, you know, to, to put it with that offer that they're making. Okay. Now, cool. All right. So how does a loan officer get their referral partner on their same process, text the keyword, and? Well, yeah, as far as adding the referral partner in there, so they're like notified when, when it's been submitted as such. That would you mean? Yeah. Yeah. Yeah. So we, as part of our, our 3.4 upgrade, that they can now go into the dashboard, and thus say they work with 10 or 12 realtors, they can go in there, they can add, you know, their names, their, their cell numbers, and their email addresses in there. So now, when the customer fills out the initial pre-qual form, and they, they hit submit before they hit submit, they've got to tell that loan officer, how did you hear about this? And so there's going to be a drop down, you know, a friend, internet, builder, or realtor, whatever, and, and, but, but they can also have them to drop down people you work with. So Susie, cue, realtor, you know, so they could click that. And the benefit is it, it makes it easier for your customer. And that's what we're about. We want to make it easy for the customer to run in. And we also want to automatically send a thank you text on your behalf to that referral partner. And then also once they're in there, if that realtors been selected up front, when you issue the loan approval letter, you could have that sent to them as well. Got it. So the referral partner is getting a notification when somebody fills out their information, the realtor gets that. And then also when there's a pre-approval presented, correct? That is correct. Yes. So in a nutshell, I mean, we are, we're like, we're like a mini LOS. So, so what, what, what, what tools, what tools do I need up front, you know, before, obviously, a contract is executed, what would I need to do in my LOS that I would have to run home and okay, I got to get home, I could get to my desk. And what, what do I have to do? You know, from my desktop, that's what you now can do from your mobile phone within within a few minutes. Yeah. I love it. So tell me about the video greetings. What, what are some options on there and what's the user experience like? Because I think that's really a powerful way to, right? I mean, nowadays with the expectation around video to build some personal connection. Yeah. Personalization, yeah. Right. You know, it's funny because our pre, our pre-outform originally, it was just it had to come, your, your company's logo, you get out of the colors and has your picture and content information at the bottom. And we had one of our users that said, hey, I would love to have a video greeting. And of course, our system has evolved into what it is now, just because of feedback from LOS, you know. And so we love the idea. So now we have a, the ability that you can, you know, shoot a video uploaded to YouTube or Bimeo. You can grab the iFrame code and you can embed that into the system. So now your pre-qual form, your pre-outform, don't have your company logo, it'll have, excuse me, your video and then the, you know, the, the form below that. And I'm going to have you guys text for a demo here in the minister, you can see that. But, but basically we have it, we have a, a suggestive script, okay, for the video, we, we highly encourage you not to have it longer than the 30 seconds, because you're going to lose people. People are not going to watch even a one minute video. Keep it 30 seconds or less. And something else I want to point out is, you know, don't, you know, don't read our script, okay. And we have, we've had some customers that, that they just literally read the script and it sounds so mechanical. And it's, and you know, Jeff, you know this, where you watch it and you're, you're awkward. You feel uncomfortable watching the person. So what, what's, are, what are, you know, guideline or suggestive script is, is, is you, number one, greeting your customer. Hey, thank you for reaching out to me, introducing yourself. My name is, you know, Drew Brent's with, you know, pre-outten of reading, you know, whatever your company is, you know, if you've been in the business long enough to brag about it, obviously, you know, you, you knew these don't need to say, hey, I've been in the business six months, but, you know, if you've been in the business several years, you know, say that, hey, I've been in the mortgage business in this area for 20 years. And, and then, you know, and then encourage them, hey, look, the first step in getting to pre-qualify, so fill out this form below is completely secure. Once it's submitted, I'm going to be contacting you, we're going to get a game plan for your financing. And then thank them again and, and shut up. You know, but, but have that call to actually, but what we found out is, is when people get that and they're able to see that video, they actually feel like they've already met you, even though they never have. So it, the, the, the conversion of them submitting that, the percentages go up so much. And right now, is, is that the option, if you will, one video? Well, you have one, which is on your pre-app form, your pre-app application form, which is a greeting, then there's another video that you can embed, indeed, and it was called a bar or toolbox, which is where now the bar or toolbox is, you know, again, it's when they submit it, it refreshes to that screen. Also, they get an email with a link to it. And the toolbox would be where they get upload documents, where they can, you know, complete their application, where we actually send them, when, when you issue a low-approval error, it goes through their toolbox. We actually also, Jeff, and something that, that I failed to mention earlier, is if credit is pulled through our system, we actually send out the credit score disclosure form to the bar or encrypted with the last four digits of their social to that toolbox. So, you know, I know there's some companies that pay, you know, up to a dollar, $1.50 a pop to their credit agencies to snail mail that out to the customers. Through our system, we've automated that process, and it can save companies a ton of money. But the video in the toolbox, that would be a next step. So, hey, thank you for filling out, taking the first step and getting your loan approval. You know, below is your toolbox. Let me encourage you to, you know, go ahead and take your leisure, you know, complete the rest of your application. And then, obviously, you know, to be trick-compliant, you can't require any documents. We can't tell you the assignment intent to proceed. So, you can say, you know, although nothing is required right now, it would really help us in this process. If we can review your most recent paste of, or last two months bank statements, or tax returns, or whatever, and say, we have a button down below, or you can upload those documents to us. So, just whatever you want to say about the process, that's what that would go in that video. Is there any, like, once you've got them through this process, I'm trying to follow the life cycle here, the buyer journey, when, I'm trying to say, how do I take it like this? Can the communication, what do you usually recommend or see, the communication, in terms of like texting versus the LO, actually getting on the phone as they go through this process? And I ask that, you know, in the under the umbrella that, you know, a lot of people kind of want to default to texting because it's easier, or whatnot. And I know it has a place, right, a time in a place. And it sounds like it's pretty clear the time in the place is at the front end of this, make it easy to kind of get involved. But do you see or, you know, provide any means of, or do you recommend, right, the LOs, right, continue a texting type of communication? No, I actually don't. Of course, you know, I've been originally 20 years, I'm 45, I'm not too old, but you're just right. You're like Goldilocks. That's right. I'm just right. So, so, I actually think that when you get your pre-app notification, someone has filled that out, you need to call them. And this is why we give a text notification to the loan officer that has the name and number of the borrower and the name and number of the referral partners because we want it to be super easy for them to long click on those phone numbers and call these people. If you have a conversation with that customer, you're going to take them off the street. You're going to connect with them. You can bring, you know, copy, put confidence in them that you actually know what you're doing, you know, and the speed at which, when they submit that, you get that text, if you call them immediately, they're going to say, wow, that was fast. And he said, yeah, man, this is what I live for. I'm here to help you. You know, it really, they're not going anywhere else. So, I love the, just in a rep for a second, I love the fact that you provide the, would you call them long clickable numbers? Well, yeah, it's just, you know, little hyperlinks on those text messages. You know, that you can just long click on those numbers, you call. Right. So, it's just a paint that picture for those listening. I'm sure, I mean, I got to try and cover all bases. I mean, I know what they are, right? You get a phone number in a text, it's blue, typically highlighted, right? You just touch it and it dials the phone number. So, I love the speed of that because, as you said, somebody completes that that, you know, either form of the app, boom, push a button, call. Hey, thanks so much. Just wanted to connect, introduce, right? And then same thing with the, with the referral partner. I see too often people trying to hide behind technology and technology is great, but it doesn't necessarily, right? Build that stickiness of the relationship. Right. Right. And you need that. I mean, I mean, we can't forget that this is, this is a people business. And you're dealing with the, you know, the probably the largest transaction of their lives. And, you know, they, they want to talk, you know, they want to connect with someone. And people that don't, that people that think, well, no, it's just, everything's automated. Look, that's not what your home buyers want. They want, you know, they want it easy. And you want to make your job easy. But they also want to connect with somebody, okay? And it's something, it's not the Jeff I forgot to mention. I also want to make sure that it's clear that, that our system is not only a text initiated system to get the link because we are cloud based, our application and also the document upload portal. Those can be embedded on websites or email signatures. So they work just as well on a desktop as well. As a motor. That's very cool. And you also have integrations into some CRMs and things out there. That's right. We do. We have integrations with CRMs. We have integrations with optimal blue, loan tech. Like I said, the majority of credit agencies out there and other integrations come in LOS programs. We have integrations with them. So yeah, awesome. Well, you mentioned you wanted to do kind of a demo for those listening. Do you want to give that out right now? Yeah, yeah. So those of you that are just curious, you know, how does this work? So, so I'm going to have you, I'm going to have you right now. I'll fill out your mobile devices, fill out your cell phones. And I want you to text, and I'm going to give you the numbers, going to be a five digit number. I want you to set a text message to the number is 48421, okay? And the keyword that I want you to text is going to be demo at. I want to say at. It's going to be little at sign demo at sign pre app, okay? So text demo at pre app is all one word demo at pre app to 48421. Now, when that happens, when you guys do that, and I don't know when this is going to going to go on error, but I'm going to get text messages. And matter of fact, we're doing a live demo right now. And that was mine. Was that yours? Okay, okay. So, and I won't call out your cell number, but it's okay. But when we when we do these live demos, it's great because I tell people to do that, my cell phone starts blowing up with text messages. And again, it's demo at sign pre app to 48421. So this is something that's really unique. And you guys, y'all are really going to like this. It's going to change the way you market to get your pre app out there, okay? So now, you're going to market your keyword to this short code number, okay, for people to do that. Now, people are going to be curious about this. And they're going to do it. Okay. Unlike a website, you put your website, go to the website, you know, they're blinded to that. It's they don't even see it anymore. And they're not going to call because a lot of times they don't, you know, they just want to kind of incognito things, you know. So, but they will text. And there's a guy here in the Houston area using our system that rents ad space and movie theaters. And I just, I just think this is just brilliant, you know. So he's got, he's got this big ad for his team on all these movie theaters. And he knows that people are sitting there waiting for the movie. They're on their mobile devices. And it throws up his team and it says text. And it has the keyword to this number, four more information, you know, and what do you think everyone in the theater is going to do? They're going to say, hey, that's cool. Let me check it out. And little do they know that this loan officer is going to get 100 text messages capturing all of those cell phone numbers. So whether those people ever fill out a pre app form or not, he has he has a hundred leads to follow up. That's pretty cool. So it's a lead capture system too. I like that. Yeah. So I just obviously texted and walked through this demo. And by the way, we'll put the numbers in the short code, everything in the show notes. So those that are listening can go back and actually do this. But yeah, I can see, right? So obviously it's the branding for pre app 1003, but it could be my company, whatever. And it's got the welcome video. And thank you for contacting. It's got the borrow borrow info, income, employment, assets, additional real estate owned. Some questions about marital status purchase a re five veteran first time buyer or not. Very cool, man. Very cool. Yeah. And and obviously, you know, we've had some people that said, well, what about previous employment? Well, we don't ask for previous employment on that prequel form. That's on face to, you know, because you don't really what you, you need to know, are they employed or self-employed? Yes, and how long? Right. And you also need to know, do you own any real estate? And if so, you know, you know, we get the real estate audio properties later on the second step, the point is get the information you need to get the ball rolling and make it easy for them. And then let them take their time to flesh out the rest after they've submitted the initial. Well, yeah. I mean, we're trying to create a positive customer experience here, right? Right. And trying to lower the bar. And we're trying to, I could we say, we keep referring to take them off the street. And so let's create that easy process, right? How does and endear them to us. And so I like the fact that you pointed out we can get the REO later. That's really not critical to phase one here. Right. Correct. Correct. Very awesome. Very awesome. I love this, man. It's so simple. And the other thing is cool is like even if somebody typically like has maybe something you can integrate even with other mobile apps that don't have a 1003, right? Yeah. Yeah. Like, you know, there's there's a real popular app out there. It's is mortgage map. Okay. And we do, you know, we the systems seem to play very well together. That's an additional business card. And we love those guys over there. And yeah. And what they've done is their system, you can actually embed like an applying out button within their app. And it says ours is, it's just, it's a URL link. Right. That formats to a mobile device. They could just, we can embed right into their system or anything else that you guys are using out there. So that's awesome. So what's next on the radar for developments in the app? You know, we got a lot of things on all the radar. We just released our 3.4, which was, you know, we had, you know, like email reminders that'll go out to, you know, like, for instance, when the bar, excuse me, the loan officer creates a checklist of items that they, that they request, our system will now send email notification reminding them that they still need, you know, X, you know, these documents. And so it's, it's, it's, it's intuitive of what they still need. And there's been a lot of other upgrades in with that release. We are looking at a integration with listing booster where it'll, it'll automatically send out an email to those, to those leads. That would include your video and a link to your preapp. So we have that coming. And of course, we're always looking at other CRM integrations, LOS and integrations. Cool. But, but yeah, it's just, oh, you know what? I forgot to mention this. Day one certainty features with like form free account check. You know, we're working on those. So as the industry goes more toward the day when certainty features are full 1003 side of the system, we'll have those, you know, like that they say, okay, here's my bank account, they can enter credentials and have those, those assets verify income. And they, so, so our system is evolving that direction too. But let me just emphasize, we keep the front and prequel simple, okay? We don't want, we don't, we don't think that the bar should have to jump through all those hoops at the first step. Let them get in the door, you connect with them, build the rapport, get word back to the realtor. And in the meantime, let the bar take, you know, that 20 or 30 minutes to flesh the rest out with the, you know, the day one certainty features. Got it. Hey, what are the options on keywords? Can people choose their own or is that something you guys hold the keys to? You know, no, they, they can choose their own keyword. And we have, we have an instructional video on how to, how to select them because, you know, obviously it needs to be one word. And, and you really also, if you're considering a keyword, you don't want to, you know, you don't want autocorrect to separate it. I'll give you an example. We had someone that had the keyword apply, okay? And someone else that had, they chose the keyword apply now. Well, the guy that had a plan out didn't realize autocorrect was going to separate a plan now. Well, that's not good because the system recognizes one word. So, you want to, as you're, as you're thinking about a keyword, you know, a test on your phone, make sure autocorrect doesn't separate anything. And also, you know, think about leveraging, you know, the at symbol or the number four or the number two, like, you know, click to apply or, or apply number four MTG or, you know, Jeff at, you know, XYZ Mortgage or so, think about ways you can leverage a suffix, okay? But, but the control is in the loan officer's hands and people get very creative. I bet, but obviously once a keyword's taken, it's taken. It is taken. Yeah. Right. So, much like domain names, right? Maybe some of the obvious good ones are gone, like apply, that one's gone. I'm going to guess, right? Right. Yeah. That one's gone. But, uh, low rates, at low rates, probably gone. Right. Well, I don't know. That one, that one, I mean, I'll be gone. You may have just given someone. There we go. It is, it is available. Low rates. Right. Awesome. Well, this is good stuff. Okay. So, um, let's talk about how people connect with you more. Obviously, there's the demo we just walked through and that's going to be in the show now. It's again, your website is preapp1003.com, P-R-E-A-P-P, 1003.com. All one word. That's pretty cool. Where else would you like people to connect with you? You know, they could, uh, they could email me, and my email address is true and intradrewDRU. So, it's DRU at preapp1003.com. I'm hesitant to give out my cell phone number on there like this. But, uh, but if you email me, I'll respond and you'll have my cell number then. And, you know, let me also, let me also mention our price point, Jeff. Yeah, please do. You know, so, yeah, so for an individual, you know, out of the box system without, you know, let's say you don't want the, maybe an, an, an graceful optimal blue or something. Let's just say out of the box, um, system for, uh, individual loan officer is 39 bucks a month. Um, so it's, there's no set up fee. It's month to month. Um, you know, we, uh, we might be going up on that price shortly. Um, but that's a lot of value for the price. Yeah, absolutely. And, and as it's evolved, that's why we're kicking around the idea of maybe going up a little bit, but right now, like, and let me just say, if they lock in whatever price they buy it at, they are locked in at that price, even if we do have a price increase, you know, they're going to be locked into the 39. Yeah, it's great. Grandfather day. Yep. Awesome. Okay. So there's that. And then, of course, if anybody, you're right, from a corporate perspective, maybe, uh, you need to go to management or something, or there is a, uh, leader or manager listening right now, um, you also, obviously have a corporate account options. We do, we do in the end of the corporate option, it does give the company a complete bird's eye view of everything, all the branches, on the individual, elbows, um, total control to add, remove users. It's, there's a lot more functionality. Um, depending on how many users they have, we do offer price breaks there. Um, and of course, you know, the, you know, more, uh, integration options are available too. You know, I mentioned earlier, I often blew or different LOS programs. That's, that's dictated by, you know, at the corporate level. Sure. So, yeah. So, um, awesome. Well, I mean, just from even just an L.O. using this, right? It's, it's, if you don't have a mobile experience today, you need to get one because that's what the expectation is. Particularly if you're working with younger buyers, uh, even more so, so you got to get mobile friendly, uh, in today's world or else, they're going to go where that better user experience is. So let's not make, uh, you know, getting alone like pulling teeth, uh, because it doesn't need to be. Yeah. So yeah, I would encourage you guys to check out preapp1003.com. Do the demo. It'll be in the show notes. Contact Drew and, you know, learn more about this, this awesome app. Love it. Love it, man. Thank you so much. Awesome. Thanks Jeff. I appreciate it now. You bet. So listeners, uh, once again, thanks for tuning in listening. We appreciate you. If you haven't yet subscribed, please do so. Leave us a recommendation. I like if you liked it. And as always, uh, thank you appreciate you and to see you on the next topic. Thanks for listening to mortgage marketing radio. One more truth in mortgage marketing. Get more free training and resources at mortgagemarketinginstitute.com. Hey guys, what's up real quick? Uh, 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 purchase 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. 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