NMP - September 2016 - 75

buy/fix/rent operations. Conventional loan officers and mortgage brokers who have a solid working relationship with a top notch private money source can deliver resources to their investment real estate clients that no one else can. In doing so, the loan officer/mortgage broker can enjoy equitable compensation for their part in the transaction on behalf of their client. Yes, they can also do so and remain compliant with all of the regulations relative to cobrokering, third-party originating and/or receiving referral fees. The critical component for the conventional loan officer or mortgage broker is to source a reliable and credible private money source. A lender that has the capacity to meet the needs of their investment real estate borrowers, with programs, rates and loan terms that are competitive for their chosen market. A lender that is following the rules and regulations for the private money lending space (yes, they do exist). A lender that is going to protect the client relationship on behalf of the loan officer/mortgage broker, while at the same time, serving as a true "partner" to meet the needs of the loan officer, mortgage broker and the borrowing client. Sadly, as with any industry, there are lots individuals and companies that present as viable opportunities for a private money source for investment real estate investors that frankly just are not. The good news is, there are also quite a few very capable, reputable and reliable private money sources that can be accessed to be a fantastic resource for a conventional loan officer/mortgage broker to add to their arsenal for delivering necessary services and lending resources to their clients. The key is knowing which is which. Here are a few ways one might go about that: l Check the industry trade journals for resources to contact l Interview (by phone or in person) contacts at companies that appear to have what you need. Ask for rate sheets, guidelines, application packages, etc. Review their Web sites and get a feel for the quality (or lack thereof) of the company behind the checkbook. l Ask where their funds come from. l If possible, visit their offices and find out if they will come to yours. l Ask for a broker agreement or referral partner agreement for your review. At the end of the day, it's about who makes you feel the most confident and comfortable. This is a people business, and there are great people in it ... there are notso-great people in it. Spend some time to find the right fit for you and your clients. It's not always about rates and fees and promises ... the more important aspects are truth, transparency, reliability, capacity and an unwavering commitment to superior client service. Charlie Fitzgerald, MBA is branch manager and senior account executive for Civic Financial Services LLC. Charlie served proudly in the USAF as a law enforcement officer and was assigned to the inspector general of the Air Force Special Operations Division as an administrative management specialist. He may be reached by phone at (702) 561-1056 or e-mail Charlie.Fitzgerald@CIVICFS.com. 75 How many reverse mortgages have you originated this month? Call us today, and together, we will turn "none" into "many"! Flexible, Scalable, Fast Market Entry or Growth Options Complete Support and Fast Tracked Training and Education Wholesale, Correspondent and Turnkey Programs www.mhodportal.com or partners@mhodportal.com Chris Munson VP Sales and Marketing cmunson@moneyhouseus.com 678-459-2252 Tammi Clarke AVP, Partner Services Director tclarke@moneyhouseus.com 678-459-2257 The Money House, Inc., HUD, HECM Direct Endorsement Lender, NMLS ID: 169716 and Ginnie Mae HMBS Issuer. n National Mortgage Professional Magazine n SEPTEMBER 2016 If the answer is NONE, we really need to talk! Reverse Mortgage media and consumer focus is signi´Čücantly increasing..... You are missing out on a great opportunity to increase both your revenue and networking potential. NationalMortgageProfessional.com Money House On Demand Team http://www.NationalMortgageProfessional.com http://www.mhodportal.com

Table of Contents for the Digital Edition of NMP - September 2016

Table of Contents
NMP - September 2016 - Cover1
NMP - September 2016 - Cover2
NMP - September 2016 - 1
NMP - September 2016 - Table of Contents
NMP - September 2016 - 3
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NMP - September 2016 - Cover3
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