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Chris Bettis - Envoy Mortgage
United States
Registrace 4. 03. 2019
Chris Bettis/Branch Manager NMLS #275420 | Envoy Mortgage, Ltd - NMLS # 6666 | Envoy
Mortgage is an Equal Housing Lender - This is not a commitment to lend | www.envoymortgage.com |
www.nmlsconsumeraccess.org | www.envoymortgage.com/licensing-legal-information”
Mortgage is an Equal Housing Lender - This is not a commitment to lend | www.envoymortgage.com |
www.nmlsconsumeraccess.org | www.envoymortgage.com/licensing-legal-information”
2 Fundamentals to win in Real Estate in 2024!
2 Fundatmentals to win in 2024!
Answer your PHONE!
Track your leads!
#fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing #realestateagent #homebuyer #firsttimehomebuyer #housing #house
Answer your PHONE!
Track your leads!
#fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing #realestateagent #homebuyer #firsttimehomebuyer #housing #house
zhlédnutí: 20
Video
Mortgage Market Monday 5/6/24
zhlédnutí 10Před 3 měsíci
Mortgage Market Monday 5/6/24 He Didn’t Remember You Leads a better way Last Week: Rates down. Feds spoke This Week: Light reporting week. Dip week. Focus on what you can control. Leads with a system. See you at the closing table #fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing #realestateagent #homebuyer ...
Mortgage Market Monday 4/29/24
zhlédnutí 4Před 3 měsíci
Market Monday 4/29/24 Real Estate, Rates, & Inflation Up - Which one is Dis/Misinformation? Last Week: Real Estate, Rates, & Inflation results This Week: Busy reporting week. Fed’s on Wed Change, grow, dominate. We have seen a huge increase in volume. Realtors are either THRIVING or DYING off. Those who are staying positive and leveraging the change are winning. See you at the closing table #fl...
Mortgage Market Monday 4/8/24
zhlédnutí 4Před 4 měsíci
Solar Eclipse What & why important Last Week: Jobs & Unemployment Reports This Week: Inflation, Fed min, and Consumer sentiment. Eclipse analogy & winning in periods of darkness Change, Grow, Dominate #fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing #realestateagent #homebuyer #firsttimehomebuyer #housing ...
Market Monday 4/1/24
zhlédnutí 11Před 4 měsíci
Breaking News - HB 4124 Congress Passes Age Requirements for President: Neither President Biden nor Former President Trump can Run in 2024 April Fool’s Day Mis/Disinformation Last Week: NAR Settlement Gold, Risks, & Opposing Rulemaking not Talking About This Week: Rates jumped this am. Busy reporting week but nothing dramatic Rapid change/NAR Settlement = Lots of Losers & Huge Winners Change, G...
Mortgage Monday Market 3/25/24
zhlédnutí 6Před 4 měsíci
Mis-Disinformation hits Real Estate but OPPORTUNITY Mis-Disinformation Last Week: NAR Settlement & Rates Better This Week: OPPORTUNITY Climbing Analogy of 5.7 5.11 So much Urgency & Opportunity before in Effect - Let’s Go!! (541)302-2687 www.fluentmtg.com
Mortgage Market Update 3/18/23
zhlédnutí 9Před 5 měsíci
Change, Grow, Dominate Change Motivation Last Week - Mis/Disinformation Dump This Week - Fed speaks & Future of Rate Dips How to win: Stay positive, share truth, & CHANGE/GROW/DOMINATE!!! Fluent Mortgage (541) 302-2687 www.fluentmtg.com
Mortgage Market Monday 3/11/24
zhlédnutí 13Před 5 měsíci
NO LE = TERMINATION = YOU LOSE Proliferation of Fallout due to Lender Last Week: Rate Improvement & Fed Hearing This Week: Inflation Reports & What we do proactively Dip & today is a money making day - Change, Grow, DOMINATE!!! www.fluentmtg.com 541-302-2687 #fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing...
Mortgage Market Monday 3/4/24
zhlédnutí 14Před 5 měsíci
Conventional 1% Down! Last Week: Rate improvement & Inflation data This Week: Rates rising this am & Fed speaks Wed Realtors & Bankers buying, are your clients Change, Grow, DOMINATE!!! (541) 302-2687 www.fluentmtg.com
Mortgage Market Monday 2/19/23
zhlédnutí 3Před 6 měsíci
Happy Presidents Day Call or Text if need Help Today - We are working This week: LIGHT reporting week. So instead of reports, watch the stocks. Competitor to bonds (rates). Focus on Change & implementing those business plans; so that you can Dominate the Growth Phase coming later this year… #fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #ore...
Mortgage Market Monday 2/12/24
zhlédnutí 10Před 6 měsíci
"Just like we drew it up” Biden Tweet Last Week This Week Draw it up today motivation #fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing #realestateagent
Mortgage Market Monday 2/5/24
zhlédnutí 5Před 6 měsíci
Did you Miss, Send em Quick Stop before watching video and call Fluent before terminating this am due to rates Last week: what huge rate jump This week: light week Focus daily on systems & marketing #fluentmortgage #vafluently #fluentmortgage #oregonva #realestate #realtor #mortgage #va #vahomeloan #oregon #oregonrealtor #oregonhousing #realestateagent
Mortgage Market Monday 1/29/24
zhlédnutí 6Před 6 měsíci
Change & Growth Change Quote Last Week - Minor volatility but near year’s low This week - Fed speaks on Wed Growth & Opportunity Today
(MRP) Military Relocation Professional Cert
zhlédnutí 25Před 9 měsíci
(MRP) Military Relocation Professional Cert
Say I find a rural land away from city/county utilities for sale and I buy it on an owner financed loan. Can I purchase a manufactured home through VA and put it on the land? If yes, are there any additional requirements like connecting to septic and solar power?
Hey Mario, you cannot use your VA loan to buy just a manufactured home. It would either need to be connected already or do as a construction loan. What state are you in?
The smoke tainted rain falling on my tomato plants is killing them right before my eyes! I’m sick about this!!! I’m in Northeast Georgia.
sorry about that. didn't know I liked tomatoes until l tried home grown.
Chris, any recommendations for a loan servicing software? Something along the same pricing as LendingPad. TIA
Could I start a micro green in door farm!? God bless
Hey Jeff, if I understand correctly, you are looking for a loan to do some sort of business. If so, I cannot help, but the VA has business loans -here's the rule on that www.va.gov/osdbu/faqs/entrepreneurs.asp God bless you too
When he says "taxes" is included in house payment, does he just mean if you're not 100% property tax exempt or are there other taxes?
Great question. I was referencing any property taxes. Depending on disability rating and location; they may not be applicable.
@@ChrisEnvoyMortgage thank you!
soooo, Floify or Arive?
Apples and Oranges - POS vs LOS+. Believe you can add Flo to Arrive but not sure as I am a LendingPad guy for POS
*Promo sm* 🙌
Does it quality for conventional loan?
I used to know vector calculus. You forget that stuff quick if you don't use it.
Well said & true with many things - "if you don't use it."
50% of income isnt a good amount to "Afford" on a mortgage. Most financial professionals will tell you that Housing expenses should be no more than 27-30%. So just because you Qualify for a $2492 a month Mortgage doesn't mean you can afford a $2492 mortgage
Hey Brian, thank you for your feedback and opinion. With VA they also have a disposable income requirement to ensure future success. I person who makes $20,000 per month can easily afford a $10,000 payment. So much left over. But I 100% support your statement of qualify for and should afford are two different numbers some times. We always discuss max qualify vs what you choose to afford with every client. Hope have an awesome day!
Great information
Thank you, Andre & hope have an amazing day!
Great content!
Thank you so much. Gonna check you out as well. Hope have awesome day!
I need you for this type home how do I get in contact thx
Fluentmtg.com
541-543-7333 or www.fluentmtg.com
😊
😊
How can you do land/manu-home in one mortgage?
Yes if Manu is already placed. What state are you in?
@@ChrisEnvoyMortgage Colorado. It seems like i can do do ones that you rent the lot or lots that i need to build the manuf..
@@Callahan757575 unfortunately, you cannot use your benefit for a manufactured home on rented land. that is called Chattel. Like a car loan. Manufactured home on own land can be done.
My income is $7,000 a month plus $975 VA disability.... Of the $7000 by mileage pay as a truck driver $1800 is categorized as PER DIEM/NON TAXABLE INCOME. I havent been able to find a lender that will qualify on my $7000 wages they omiting the $1800....leaving me with $5200 wages Appreciate if a lender recognize my $7000 wagws which all earned by driving....per diem is tax bracket they take portion of my wages earned into these tax bracket....i dont turn in reciepts and i dont pay more than $500dollars a monthly in groceries and living in truck. Worksheet from accounting department breaks down my pay for each period and shows my mileage pay rate times my miles driven = $7000 a month roughly averaging give a $100-200 more each month
Hey Mike, sounds like you are trying to get pre-approved or figure out home much home you can buy. What state do you live in?
Crazy I’m in the same boat just got out of the ARMY I’m a truck driver I gross about 6k monthly plus 1k Va disability and I can’t get approved because I haven’t had my job for two years because I got out even though I worked here previously before the army
@@hwhitley93 what state do you live in? We may be able to help...
@@ChrisEnvoyMortgage Texas
Bro, why do I need to know how many chickens this guy has :/
I'm sorry but your information is not maximizing veterans benefits, that's why the low views :/
Humbly no Veteran can maximize his income,. Lender should pre-approve to max level. I agree, if willing to put people at risk & give bigger numbers would get more hits. Thank you for your feedback.
Hey Chris! I love this video and this is now a year older and still very relevant to my situation of choosing between the two platforms. Hey, I took a screenshot of your video as I had my volume turned up all the way on CZcams and the volume of my laptop nearly at 96% and it was still hard to hear you. Do you think you could either re-render this video with the mic turned up or re-record it? It's so relevant to many who are deciding between the two platforms, especially since the market has shifted. But GREAT video...great lights, great presentation. Maybe get a DJI mic system? Just a thought. Thanks Chris! ~Clinton Porter, eXp Realty, Denver, CO - a new Subscriber!
Hey Clinton, thank you so much for the kind words and advice. We did level up our sound. Went to pro level wireless mic system. DJI is a great company.
Thank you for watching and kind words. Construction always has an extra layer of work for all parties. Definitely will want to work with a specialist.
Love the content man. I am very excited for VA construction but it seems like it would be hard to get.
It's back, but best lenders are just learning...
Hello, Congratulations Cool 👍👏👏👏
On LendingPad can you do a TBD approvals?
If you are asking if LendingPad will allow one to put TBD in the address field & it will show on the template or custom pre-approval letter? Then YES.
Good stuff🎉
My husband and I were very impressed while working with Adam Joyce when we were looking for our vacation home. He was incredibly knowledgeable about the area, the process, and services in the area. He was very prompt in responding to us and since we were out of state buyers, even went to the home we were interested in and took a detailed video for us. He understood our needs, respected our wishes at all times, and was very patient with us. He helped us seal a great deal on a wonderful home in Florence and we would not hesitate to recommend him to other buyers. 5 stars for sure! And yes, a big man with a big heart who gets big results!
I may have missed it but how did you determine that $2500 income gets the member a $500k home?
Hey Spencer, great question - 1 year old video. Rates were better then. We have lost about $150k leverage in that price point. We are actually doing a new version of this within the next month. Hope have awesome day
Chris, good video. I use Floify as well. I am curious if you have compared Mtg Whiteboard vs. Jungo on the CRM piece as I have not added a CRM to my eco system yet.
We have not used Whiteboard, Jungo integrates with all of other software main reason we went with them.
So Lender Homepage's Loanzify is not as good as Floify?
We made the switch a year ago due to a tech need. Loanzify/LHP just made a major enhancement. It is possible they have what was once needed. Please check for your own tech stack/ecosystem
So are you still with Jungo or Folify?
Both - Floify for POS and Jungo for CRM
@@ChrisEnvoyMortgage Thank you for the quick response!
Awesome. Thanks. I enjoy watching your videos.
Thank you!!
Christopher, that was very useful. Thank you very much. You are awesome.
Thank you for kind words and so glad could help!! Please reach out if can ever help and wish you success...
I was told Dubb does integrate with Jungo. Is that incorrect?
This video is almost a year old - you could be correct. Please just confirm with Jungo. Thank you for watching and post!!
🤭 𝐩𝐫𝐨𝐦𝐨𝐬𝐦
Setting this up today! Great content.
Thanks Peter!
Short, sweet, and to the point. You sold me on Jungu in less than 5 minutes! Good job. (Yes, I realize that this video is 8mon old)
Thanks Erick - to your success!!
Should have more views
Thank you so much!!
Thank you for all the help! I recently started out on my own and I am trying to manage learning everything and also get some biz....I'm putting this comment here because this is the latest lending pad video. I started with lending pad and I like it. My question is do you send docs through lending pad at all? If so, how do you manage the emails that accompany the attached docs? When I send a PAL from lending pad I have to type out, attached is your PAL. I type more than that but I have to do it everytime. Support said their is no way to save email templates yet. seems odd which is why I am asking you. ....with all that typing I am starting to think you send your PALs through your POS. But in your background I see a loanzify and floify logo. Do you use both? ...seriously, thank you for the videos I know it's a small market and you're growing, but I hope a few comments help the youtube page/income
Hey Bretton, thank you for the kind words and congrats on new company!! We send out notice of acton taken with all accompanying Fed/State docs within LP or Docusign. If live most all the docs come from lender. Again can do one off docs through LP if lender doesn't. Video updates, marketing letters, etc we send out through CRM or BombBomb
When do you use Bomb Bomb during the mortgage process? You mentioned listing agent, which is smart. How about leads, anniversaries, etc.
Almost all video marketing we use BombBomb - increases engagement - great question
Great video, man. What other times do you use Bomb Bomb other than mortgage milestones? E.g. Refi analyzer video, anniversaries?
EVERY time we do a video that is going to be emailed - we convert to GIF. A more unique one is our "Get Here Gif" - I text that to clients who are coming in office.
Thanks!!!
Welcome!!!
Thanks for all the amazing info. I'm ready to switch to lendingpad and your videos have been amazing. If you are submitting a file to two separate lenders do you just create two separate files? Also for same client with multiple properties how does lendingpad work with that? Any tips on it? I have a demo with them tomorrow. Hopefully I'll get some answers from them tomorrow too =)
Interesting - I've never subbed to 2 lenders at the same time. I have thoughts but don't want to steer you in a way that may have unintended consequences. Suggest asking LP on that one. Confident they have brokers doing this way and can refer or advise. Multi properties is easy. You can simply copy the file and reissue credit. LP does have an automated loan number system. But you can manually name. When I ran a Private Money Company and had tons of repeats with same client - we did last name, street address name, mo, year. As an example...
Your hair looks great
Good hair day - thank you!!
As a new Broker Owners this has been priceless. Thanks for the content my friend. Keep it up!
Thanks for sharing!
Thanks for watching, We have a bunch of new videos coming!!
Thanks for the video Chris! *For those that have struggled with this exact same situation, be aware that the "Role" column is labeled as "Contact Type(s)" when entering the information manually [In case anyone is searching for what section that particular "cell" that pertains to]
Thank you!!
Can you further explain how increasing the apr helped cover the closing costs?
By raising the interest rate, the lender pays more premium. With that additional money we can help cover the closing costs. Great question!!
Now I'm just waiting for the document upload tags to be alphabetized!
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Love it!!! Harmonies are so moving!
Thank you and agreed!