Wednesday, June 24, 2015

Power Tools Newsletter: 5 Secrets to Marketing Success!!

Power Tools from Jennifer Hernandez
Jennifer HernandezJennifer Hernandez
Senior Loan Officer

The Hernandez Team

NMLS# 514497

2500 CityWest Blvd., Suite 750
Houston, TX 77042

Team: 713-579-3600

jennifer.hernandez@legacymutual.com
www.jennifer.legacymutual.com
Legacy Mutual Mortgage




Inbound Marketing: 5 Secrets to Success
With traditional marketing, you push your message out and hope folks respond, 
using online and offline ads, direct mail, emails, brochures. With inbound marketing, 
you pull people in with content they want to know about using blogs, opt-in e-newsletters, 
emails, social media, and website offers. Customers are in charge on the Internet, 
so inbound marketing is key to attracting them. Here are five secrets to inbound success.

1) Set goals you can achieve. It’s easy to go crazy with inbound marketing. Instead, prioritize 
your channels—blog, website, e-newsletter, emails, social media—and focus on those 
with the most potential. List specific goals: write one blog and one social post per week 
and one website offer per month; get 10 people a month to opt in to your e-newsletter.

2) Make blogging your top priority. Inbound gurus say your website blog is key. Every new
 post adds an indexed page to your site and another opportunity to show up in search 
engines. It tells search engines to crawl your site frequently for new content to rank. 
New posts are also new opportunities to pull in leads. Include calls-to-action (CTAs) at the top,
 bottom, or in sidebars, and include links to landing pages and other posts.

3) Spend time picking content. For topics, instead of thinking about your business, focus 
on what your audience wants to know. What are their questions, needs, interests? What will 
drive them to your site? Consider demographics such as gender, family makeup, life stage—
and come up with topics for each segment.

4) Re-purpose current materials. Old school isn’t necessarily old hat. Your traditional 
materials contain good content. Post a print article or sales piece as a downloadable PDF 
and give it to people who opt in to your e-newsletter. Create a landing page offering
 a demo or consultation. Turn an overview brochure into an About Us page.

5) Keep tinkering. Measure results and adjust. Don’t go nuts, just track some of these: 
web page, blog posts, social page views; click through rates (percentage of visitors who 
clicked on your CTAs); email bounce rates; sources for leads; social followers and friends. 
These tell you what your audience wants to know, even help you clean up email lists.

Here's to your continued success, as you dial up your inbound efforts, 
while putting together your best year ever.... Enjoy a great month!

Tuesday, May 19, 2015

A Time for Learning!

Last week, I was at the Core Training, Inc's bi-annual summit, learning how to cater to our clients and referral sources by a) showing people you care, b) doing your best , and c) doing the right thing. 

The room was full of realtors and lenders that are exploding their businesses by implementing structure, building teams and saving their money! Strange concept right? What are you doing to further your business? Are you working IN your business or reacting outside of it? Do something to enhance your tool kit! 

The Core Training (of which I am one of their lender coaches) has great resources for you! Check it out here!

I could give you a doughnut...but I prefer instead to give you tools to reach your goals!
In the Markets
CLICK HERE to find out what rates did this week!

                        ~Jen
Upcoming Events 
 
Please contact Annette Ernstein to RSVP for any of our events
 
Annette.Ernstein@LegacyMutual.com
Direct Phone: 713-579-3606   

Breakfast & Learn: HCAD- Secrets to Protesting Appraisals!
WHEN: Thursday, May 21st
9:00-10:30am

Seminar: August 1st Closing Disclosure Changes
WHEN: Wednesday, June 3rd
2:00-3:00pm



Monday, May 11, 2015

Cinco de Mayo Trivia! + Happy Mother's Day!

Since Cinco de Mayo was just last week, I wanted to pass a bit of trivia and personal opinion to you. 

Many of you may know that I am married to a Mexican, so I have the intel on Mexican history! Cinco de Mayo (5th of May) was the day that the Mexicans beat the French in Puebla. After previously fighting in the Veracruz port (over money that Mexico owed to France), the French moved westward on the way to the capital to collect! They were cut off in Puebla, and the Mexicans prospered. The French went home, and forgave the money owed.
 
Not to downplay this important victory, but the REAL MEXICAN HOLIDAY that they celebrate (similar to our July 4th), is the Independence Day from Spain in 1810 - the 16th of September (Diez y Seis de Septiembre!) Trouble pronouncing ? EXACTLY......that is my theory, that the gringos celebrate Cinco de Mayo because they CANNOT PRONOUNCE Diez y Seis de Septiembre, or Veinte de Noviembre, or Veinte Cuatro de Febrero....all more important holidays in Mexican history by the way!).
 
In the Markets:
With weaker than expected wage gains , bonds recovered some recent highs, and mortgage rates eased up a bit! Read more here!
 
Happy Mother's Day to all of you Mom's out there!!!!!!!!!!!!!!!!!!

Upcoming Events 
 
Please contact 
Annette Ernstein to RSVP for any of our events
 
Email Annette Here!
Direct Phone: 713-579-3606   

Breakfast & Learn: 
HCAD- Secrets to Protesting Appraisals!
WHEN: Thursday, May 21st
9:00-10:30am

Monday, May 4, 2015

#LegacyRocks!!

Spring is in the air! I would like to publicly congratulate my team (Kenny, Heath, Jason, Monique, Annette, Emily, Jerrie Lynn, & Sarah ) for having the most closed volume in our company for April of $6.7 million! Legacy is full of rock star loan officers, so believe me this is no small task!
 
We also broke a record for leads at 171! Up from 135 in March. YOU GUYS ROCK! Thank you for your support of my vision to provide a POSITIVE experience to home buyers by closing ON TIME, ACCURATELY , and with TONS OF COMMUNICATION.

                                                         ~Jen

IN THE MARKETS
Rates have ticked up a bit. But still low!!!!! Still a great time to buy a home!

Also, don't forget we have three incredible events happening this week:

Tour the Hernandez Team Office! 
Your 45-Minute Behind-the-Scenes Tour of the Loan Process
WHEN: Wednesday, May 6th
11:30am-12:15pm

Monthly Seminar Series: 
                          Who, What, Why, When & How of Life & Home Insurance  
            Presented by 
Drew Rogas/Goosehead Insurance;Brandon Green /Allstate 
                                                          WHEN: 
Wednesday, 
May 6th  
                                                                          5:30pm-7:00pm
 
MCE Course:  
August 1st Changes- NO MORE HUD-1!?!
WHEN: Friday, May 8th 
9:00am-11:00am

Monday, April 27, 2015

Insurance Tidbits Everyone Should Know!


Before we know it, hurricane season will be upon us. Recently, I hosted a learning event for Realtors that was VERY informative. Our guest speaker was Drew Rogas of Goosehead Insurance. Here are some bullet points:
·       A SFR (single family residence) is 9% likely to have a fire.
·       The THREE main factors that determine premium are (in order) : AGE, SIZE, LOCATION
·       Trampolines are an underwriting risk (not liked by companies!)- be sure if you have one, you report it, as if there is a claim later, some neighbors kid falls, you are at risk, they won't cover if you have not reported you have one.
·       The following dogs are viewed as higher risk: German Shepherd, Doberman, Dalmatian, Pit-bull
·       Dual county areas that TOUCH the water (Brazoria, Galveston, Jefferson, Champers)- have Tier 1 Windstorm Insurance. Did you know that not all carriers offer private coverage? Some default to TWIA (Texas Windstorm Ins. Assoc), and private is better in many cases. If your clients are buying in these cities, buyer beware! (Goosehead writes private Tier 1 Windstorm): Pasadena, Pearland, Friendswood, League City, Clear Lake, Deerpark, Seabrook.
In the Markets:
Mixed economic data last week, including POSITIVE HOUSING data, pushed rates a bit higher. Read more here!
                                                    ~Jen



Don't Miss Our Upcoming Events!!

Please contact 
Annette Ernstein to RSVP for any of our events

Annette.Ernstein@legacymutual.com
Direct Phone: 713-579-3606   

1) Tour the Hernandez Team Office! 
Your 45-Minute Behind-the-Scenes Tour of the Loan Process
WHEN: Wednesday, 
May 6th
11:30am-12:15pm

2) Monthly Seminar Series: 
Who, What, Why, 
When & How of 
Life & Home Insurance  
Presented by Drew Rogas
/Goosehead Insurance; Brandon Green /Allstate 
WHEN: Wednesday, 
May 6th  
5:30pm-7:00pm

3) MCE Course:  
August 1st Changes- 
NO MORE HUD-1!?!
WHEN: Friday,
May 8th 
9:00am-11:00am

Tuesday, April 21, 2015

I Spy...Appraisers!

Sometimes on the way to school, the kids and I play 'I Spy'. So it was mommy's turn. "I spy something gray". And my 9 year old replied , "Your hair!". That little bugger.
 
Speaking of gray hair, did you know that per the Appraisal Institute, 50% of the appraisers in the US are 51-65 years old? This means... drumroll... RETIREMENT in the next 10 years for a large percentage of our appraisers. 

Carrying the thought further, that means there is a growing SHORTAGE in appraisers. Between Harris, Fort Bend, and Montgomery counties, there are 460 appraisers. Last month, there were, according to HAR, 6232 homes sold. That is 13 appraisals per appraiser (if they are all active full time), and not to mention refinances. So let's just say 20 per appraiser per month. Not so bad. HOWEVER, we all know about the 80/20 rule. Twenty percent of the appraisers (that are good), do 80% of the work. In fact, one of the most reputable appraisers in town has a turn time of 15 days. We are turning them in 8 right now, and 5 if the client pays a rush fee.
 
My point of mentioning this is that a lack of new appraisers in the industry will change the dynamic of turn times, pricing, and quality over the coming months, and years. Do you know what it takes to become a certified appraiser?
·       College degree
·       2500 hours as an apprentice (pay about 40K/year)
·       MINIMUM of 2 years as an apprentice (to do the 2500 hours)
·       225 hours of classes
·       More info at TALCB.texas.gov
 
Many appraisers cannot afford to take on apprentices that can only observe. The smart ones are creating apprentice programs for young graduates, to be assistants, as you will, and within 2-3 years, their income potential about doubles. Not a bad plan! If you know someone interested in this field, have them call me, and I can put them in touch with some appraisers with an apprentice program.
 
To check out what rates did this week, CLICK HERE! 

Enjoy your week!

~Jen

Monday, April 6, 2015

Easter brings CHANGE, and a TON of it!



Hello everyone!! 

We hope you enjoyed this holiday weekend, whether you celebrated Easter, Passover, or none of the above!

Diego went on a school 2 night overnight stay at an outdoor camp this week. There was a HUGE void in the air from the lack of his  joking around and negotiation tactics. So much that we did not know what to do with ourselves!

Speaking of negotiation tactics, how are yours? Watch our Business Tip of the Week to learn 2 tactics you can implement to help you with lead conversion! 

Also, as part of our ClosingTips spotlight, watch below for EVEN MORE reasons on why you need to know what's happening AUGUST 1 (HINT: no more HUD-1!) 
                                                                                      ~Jen


Upcoming  
Monthly Events
Direct Phone: 713-579-3606  
         
How to Double Your Leads ASAP! 
Presented by Dayton Schrader,
The CORE Training

WHEN:
Tuesday, April 7th
3:00-5:00pm

Home Insurance Pitfalls EVERY Realtor Needs to Know  
Presented by Drew Rogas/Goosehead Insurance

WHEN:
Thursday, April 9th 
9:00-10:30am