Richard Woodward Senior Branch Manager Mortgage Professional
A Brief Introduction to Richard Branch Manager Multi Million Dollar Producer Strategically Align with Select Financial Planners, Real Estate Agents, and Businesses
When Trusted Advice Counts!
Meet Richard Woodward •
Top 15 Producer for Envoy’s 500+ loan officers
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13 years as a Mortgage Lender
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Member of Board of Realtors
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Owner of Envoy Mortgage Branch 525
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Real Estate and Mortgage Training Enthusiast
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Nature and Dog Lover
What Realtors are saying about Richard “Thanks Richard, you did a great job and it was a pleasure to work with you. You stayed on top of it and got us closed earlier than expected. It was a pleasure!” Chris Hickman, Ebby Halliday “Richard and his team certainly exceed my high expectations in providing my clients with a competitive mortgage loan and delivering excellent customer service. In this challenging real estate market, I continually seek business partners that rise above their competition so I can continue to provide my clients with the best overall service. Richard Woodward and Envoy Mortgage are great business partners!” Melissa Manemann, Coldwell Banker “Richard and his team are amazing. They have helped many of my clients with their lending needs and ALWAYS go above and beyond when it comes to providing customized personal service with the best rates. It's rare that you find the level of service and great rates together - Richard offers both! I come from a background of putting the customer first and I continue to be impressed with Richard, his work ethic, and his drive to be great.” Zak Anderson Keller Williams Realty “Richard, I was very pleased with your services and the professionalism you and your company displays. I am looking forward to you handling all my buyers. The clients have nothing but great things to say about you. I am so very pleased. Thank you for making my job easy and stress free when it comes to mortgages.” Sandy Hoag, Zip Realty
Guarantees • All calls returned within 15 minutes • Loan Pre-Approvals within 1 hour of application • Loan Closings within 20 Days • Closing Statements (HUD I) within 24-48 hours of closing • Attend all loan closings • A mortgage expert designed to create raving fans of my customers
My Advantage • • • • •
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Top 15 National Companywide Producer Personal relationships with my company underwriters Local and Knowledgeable Appraisal Pool Industry Leading Technology Live caring and professional local support staff answer calls – no automated phone tree to navigate Marketing programs for active and past clients
Richard’s Team Responsible for customer service, processing, underwriting, and closing. Over 45 years of mortgage experience. 3,000 customers served. Dedicated to creating Raving Fans.
Summary of the Loan Process • Contacts Loan Officer for financing information
Buyer
• Gathers information needed for application • Starts looking for new home
Richard Woodward, Loan Officer Office 972-661-5136 / Cell 972-814-3587 Email: Richard@envoymtg.com
• Discusses qualifying, monthly payments, and cash needed for closing • Explains various loan programs available and quotes interest rates • Assists you in completing the loan application • Leads the team to ensure excellent customer service
Jan Halfacre, Processor Office 972-661-5136 E-mail: Jhalfacre@envoymtg.com
• Communicates with you on items necessary for your loan closing •Contacts you for your Home Owner’s Insurance information • Pre-underwrites and prepares loan for approval • Works with all parties • Renders final decision on your loan
Underwriter
• Requests additional documentation from you • Works directly with Loan Officer and Processor to approve your loan
• Assembles package for your closing day
Closer
• Sends package to Title Company office
•Prepares Settlement Statement and e-mails it to the Processor for review
Title Company
• Processor contacts you to review the settlement figures and cash for closing 24-48 hours prior to closing • Processor e-mails Settlement Statement to all parties 48 hours prior to closing
• Takes place at Title Company office
Closing
• You bring a certified check to closing or wire the funds to the Title Company •You Fully Execute all loan documents- Envoy Mortgage Does Not Require A Funding Number •CONGRATULATIONS on your new home! The entire Envoy Mortgage staff would like to take this time to thank you for the opportunity to serve you.
It has been our pleasure to work with you and sincerely hope that you will enjoy making your new house into a happy home!
In Process Updates •
Automated emails are sent to the Loan Officer, Realtors and Client at seven steps of the loan process – – – – – – –
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Appraisal Ordered Appraisal Received Submitted to Underwriting Initial Loan Approval Loan Docs Ordered Referral Request – sent twice Thank you
Email includes Loan Officers contact information No need for anyone to call and check progress – Your clients will love you for this!
Co-Branded Client Retention Retention program: 3-year postcard program (15 quarterly postcard mailings – five postcards mailed each year) Post cards are premium quality and include Referral partner photo and contact information
In addition to this, there will be an email campaign but would include no more than one email per month. Opt-in only
Why Richard & Envoy Mortgage? • Exceptional Service • Complete File Control • Valuable Knowledge
What does it take to be a professional Loan Officer?