Episode 1: August 28th, 2006

Top industry experts who have weathered the tough conditions before and survived,
share their roadmap for survival in a tough market. You will learn not just how to
survive, but how to thrive in the current landscape of the mortgage market.

Survival Tips:

Don't miss your opportunity to learn the skills you need, from the pros who have been
there before. It's a jungle out there, but you can decide to be a SURVIVOR!

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

Knight Kiplinger is one of America's most respected economic journalists and business forecasters. In his writing, speeches and appearances on major TV and radio networks, he cuts through the complexity of financial subjects with clarity and foresight.

We know that Financial Literacy is a major component to the successful Originator. During this fast-paced call, Barry and Sue obtain many valuable forecasts and insights from Mr. Kiplinger.

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

In this segment Barry and Sue are joined by special guest Gibran Nicholas from the CMPS Institute. Together they answer your questions on a variety of issues concerning the state of the current market as well as other topics that are important to you as a mortgage professional.

In addition to Barry, Sue Woodard, Laura Smith, and Bill Bodnar, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

Use the streaming links below to benefit from the knowledge and wisdom Barry shared on this call.

No need to dust off your crystal ball… Barry Habib and Frank Nothaft have already gazed into the future and are ready to discuss their forecasts for the upcoming year. Their previous forecasts have been remarkably accurate, so we know you won't want to miss this call! Sue Woodard moderates this much-anticipated conversation on such topics as:

• The "I" word… Inflation
• The New Fed – Bernanke vs. Greenspan
• Jobs – last year, this year, and the impact of the past year's hurricanes
• Employment Markets and their effect on Housing
• The Housing Market – continued appreciation, bubble or just froth?
• Inverted Yield Curve – is it different this time?
• High price of Gold – is this a predictor of higher rates ahead?
• The Stock Market is tickling 11,000 – where might the Dow head in 2006?

As you may know, Frank is one of the most respected economists in the housing industry and he joins us about every six months to present his perspective on the economy, housing market and interest rates. The views he and Barry share during the call will provide you with some terrific and very timely information that you can share with your clients and referral partners.

In this segment Barry, Sue, and guest host Jim Camp, Jr. addressed a new variety of issues concerning the state of the market and answered your questions on topics that are important to you as a mortgage professional. Jim is currently the Head of Business Development and Senior Negotiation Coach for Coach2100 Inc. He has coached both organizations and individuals alike in Systematic Decision-Based Negotiation®, based upon the principles outlined in the book written by Jim Camp, Sr. titled "Start With NO". We were pleased to have Jim share some of his ideas with our members on this call.

In addition to Barry, Sue, and The Mortgage Market GuideSM Team, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

Use the streaming links below to benefit from the knowledge and wisdom Barry shared on this call.

As you all know, about every six months our good friend Frank Nothaft shares his timely thoughts on the economy, housing market and his forecast for interest rates with us. Mr. Nothaft, who is one of the most respected economists in the housing and mortgage industry, is back with us again and joins Barry Habib and Sue Woodard for a discussion on the following topics:

• The Fed just paused - Has the Fed hiked too far already? Will they begin to cut rates soon?
• PCE -vs- CPI - The Fed's favorite inflation gauge is PCE...why? What is the present reading and forecast?
• Oil prices have climbed - What impact will this have on inflation?
• Housing appreciation has cooled to more historical levels - What areas are showing cause for concern?
• Job Growth has slowed the past few months - What does this suggest for the economy?
• $2 Trillion in ARMs will be adjusting over the next 18 months - What can and should originators do now?
• The state of the Mortgage Market - What to expect going forward.
• Where are rates headed longer-term - Hear Barry and Frank's interest rate forecast!

Sue Woodard moderates this great discussion between Frank and Barry Habib. Their thoughts and forecasts will provide you with terrific information to share with your clients and relationship partners. You won’t want to miss out on this call!

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

With a new Fed Chairman and so much uncertainty about the Fed’s future action on monetary policy, MMGSM is looking to tap into the minds of the Fed by having former Fed Governor Ed Gramlich share his insights with us before the next FOMC meeting.

Have you ever wondered…

• What a Fed Meeting is like?
• What really happens between Fed meetings?
• What is the Fed’s most closely watched economic report?
• What is the acceptable rate of inflation?
• Why does the Fed appear to always get it wrong?
• What are his thoughts on the media exposure of the Fed?

These answers and much more will be revealed as Barry Habib and Sue Woodard bring some transparency to what really takes place at the Fed…from the inside.

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

Thought the refinancing run was over for good?

Don't look now, but a huge opportunity lies immediately in front of you. Home loan rates continue to rise. Nearly $2 Trillion in Adjustable Rate Mortgages are destined for increases over the next two years. Many homeowners are already feeling like there's nowhere to run to... and nowhere to hide. 

ARM yourself and make your move before your competition does. 

Proactive mortgage professionals have a wonderful opportunity. You can share a great message with those consumers who selected an adjustable rate mortgage, and build your business and local reputation at the same time. Beat your competition by being proactive.  Advise past clients and local consumers NOW of what may be in store for their ARM...and show them how you can help. 

Mortgage Market GuideSM is providing you with a complete marketing system to ensure you can take full advantage of this great opportunity!

• Conference Call – with industry experts Barry Habib and Sue Woodard discussing the facts behind this issue. Includes PowerPoint Presentation and Slide-by-Slide Summary.
• Re-Evaluation Script – designed for you to use when contacting your ARM clients via phone, email or direct mail.
• Press Release – for you to provide to your local media, specifically designed to help position YOU as the local expert!
• Quick Start Media Guide – a step-by-step plan for contacting the media. Powerful and effective procedures you can begin implementing right now!
• Annual Loan Review – expertly written letter to use as a co-marketing tool with your Financial Planners and other relationship partners!

Take your message to the public! You have all the materials you need to make a powerful Office Presentation to Realtors, Financial Planners, CPA’s and a great Public Seminar for consumers as well.

Your competition will be aware of this growing need in the marketplace soon enough. Why not take action right now, and build your business by helping consumers understand and make good choices around this important issue? ARM yourself...with this great new material from Mortgage Market GuideSM.

You know it's time to integrate Equity Management into your business, but how? Where do you start? Are all of your clients possible candidates? To answer these and other questions, Barry Habib and Sue Woodard have asked three very successful mortgage professionals to share the mechanics of putting Equity Management to work in their own companies. Steven Marshall, John Bell and Jim McQuaig field questions from Barry and Sue as they discuss introducing the concept of Equity Management to your clients and overcoming the "Great Depression" mindset that many clients may have - where a mortgage is seen as a "necessary evil". It's up to you to explain how that same mortgage can work for them as a powerful tool to dramatically increase their net worth.

On this second call of our two-part series, our team of experts outlines the strategies you should take in order to begin transforming your clients' financial futures through Equity Management. Here are a few of the topics discussed on this call:

• Increasing your fiscal literacy and knowledge
• Examining your own personal profile in order to learn the process
• Determining which clients may be good candidates
• Creating value for your services as a trusted Mortgage Planner
• Forging a relationship with a like-minded Financial Planner

Everybody's an expert in a hot market, but in a different market such as we are experiencing now, you really need to be smarter than your competition. The valuable information shared in this conference call can help you attain the knowledge that can set you apart as a Trusted Advisor.

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

There is a huge void in advice-based mortgage planning in our industry and you can create tremendous value for your services by filling that void. Learn how the right mortgage product can be used as a powerful tool to help clients reach their long- and short-term goals! Being successful in implementing Equity Management is especially important in a rising interest rate environment. Listen and learn from these knowledgeable industry experts as they discuss:

• Understanding your client’s financial mindset
• Mastering the words that will get the borrower to start thinking
• Finding a like-minded Financial Planner
• Determining what it takes to land that referral relationship
• Becoming a value-added provider

If you are an originator who wants to make a business for life that will perpetuate itself and keep you out of the commodity market you will most certainly gain from the information shared on this special conference call.

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

Another terrific interview...straight from the heart of Wall Street to you. This time, Barry and Sue talk to the well-known, low-hanging bear John Mauldin, President of Millennium Wave Investments, trader, speaker, best-selling author and editor of the free popular "Thoughts from the Frontline" e-letter which goes to well over 1 Million readers weekly (www.johnmauldin.com).

Listen in as we debate where the Fed might stop hiking the Fed Funds Rate...and why. John believes they'll go on to 5.5%, maybe higher...while we stand by our stance that the Fed will likely pause after one more hike to 5.0%.

We debate the slippery topic of oil...how high might prices go? John feels like it may exceed $100/barrel in the near future...we disagree. Why? Listen in, and be prepared to discuss this topic with your clients.

Yet John believes there are some incredible opportunities ahead for originators, as he predicts another massive wave of refinancing is in store during the next 1 to 5 years. Why? Listen to the call. He also predicts our customers will have greatly increased needs for our services in the future than most originators may be preparing for currently. Why? Just listen in and see.

And just for an added bonus, some hot stock picks and smart sectors to watch from both John and Barry...Don't miss this exciting call!

This call is available now for you to listen to or download using the links in the Streaming Audio section below.

Hey Barry! is a feature of your membership in which Barry answers your questions regarding a variety of issues. You can submit questions by email to heybarry@mortgagemarketguide.com and we will try to answer them on an upcoming conference call. The calls are held approximately every 4 to 6 weeks.

Prior to each session, we have received dozens of great questions from our members. Barry, along with The Mortgage Market GuideSM team, have answered as many as possible during these fast-paced, informal, ninety minute conference calls.

In this segment Barry addressed a new variety of issues concerning the state of the market and answered your questions on topics that are important to you as a mortgage professional.

In addition to Barry, Sue Woodard, Laura Smith, and Bill Bodnar, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

The latest installment of "Hey Barry" is now available using the Streaming Audio links below.

Barry Habib and Sue Woodard discuss working more effectively with referral partners with Casey Cunningham, an experienced mortgage banker and President of XINNIX, a company which has created one of the most proven and highly acclaimed mortgage training programs in the country. Casey shows how to implement four key building blocks to capture and sustain business from referral partners. She explains in detail why focusing on these vital aspects of your business is absolutely critical to your success:

• Marketing – persistently marketing to the right people with the right approach
• Relationships – finding common ground and sharing quality time with partners
• Follow Through – meeting (or beating) your commitments by becoming a fanatic
• Delivery – making sure your staff is positively committed to the team’s success

From her unique perspective Casey shares her ideas with Barry and Sue for researching potential referral partners, practicing “due diligence” and bringing value to your referral partners. She emphasizes starting with “Small Promises” and following through on those commitments as a way of building trust with potential referral partners. By delivering on those promises, even the small ones, your professional integrity is revealed and the persistence that results from your passion helps to solidify the relationship you are creating. These four building blocks will help you create a sustainable business and ensure long-term success for you and your team.

This call is available now for you to listen to or download, using the links in the Streaming Audio section below.

Featured Speakers: Barry Habib

Hey Barry! is a feature of your membership in which Barry answers your questions regarding a variety of issues. You can submit questions by email to heybarry@mortgagemarketguide.com and we will try to answer them on an upcoming conference call. The calls are held approximately every 3 weeks.

Prior to each session, we have received dozens of great questions from our members. Barry, along with The Mortgage Market GuideSM team, have answered as many as possible during these fast-paced, informal, ninety minute conference calls.

In this segment Barry addressed a new variety of issues concerning the state of the market and answered your questions on topics that are important to you.

In addition to Barry, Sue Woodard, Laura Smith, and Bill Bodnar, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

The latest installment of "Hey Barry" is now available for you to listen to.
Use the streaming links below to benefit from the knowledge and wisdom Barry shared on this call.

Featured Speakers:
Barry Habib, Sue Woodard with Frank Nothaft (Chief Economist for Freddie Mac)

No need to dust off your crystal ball… Barry Habib and Frank Nothaft have already gazed into the future and are ready to discuss their forecasts for the upcoming year. Their previous forecasts have been remarkably accurate, so we know you won't want to miss this call! Sue Woodard moderates this much-anticipated conversation on such topics as:

• The "I" word… Inflation
• The New Fed – Bernanke vs. Greenspan
• Jobs – last year, this year, and the impact of the past year's hurricanes
• Employment Markets and their effect on Housing
• The Housing Market – continued appreciation, bubble or just froth?
• Inverted Yield Curve – is it different this time?
• High price of Gold – is this a predictor of higher rates ahead?
• The Stock Market is tickling 11,000 – where might the Dow head in 2006?

As you may know, Frank is one of the most respected economists in the housing industry and he joins us about every six months to present his perspective on the economy, housing market and interest rates. The views he and Barry share during the call will provide you with some terrific and very timely information that you can share with your clients and referral partners.

Featured Speakers:
Barry Habib with Steven Marshall, founder and CEO of The Strategic Equity Group

Steven Marshall, one of the Top 20 Mortgage Planners in the country, shares his strategies for teaching Clients how to turn their Mortgage into a powerful tool to dramatically enhance their Net Worth.

Mortgages are being "commoditized" and consumers are shopping for price more and more often. Money is available to them from hundreds of sites on the Internet as well as from your competitor's bank around the corner, so how can you, as a dedicated Mortgage Professional, distinguish yourself as a Trusted Advisor with a genuine desire to help your clients increase their Net Worth?

Join Barry Habib as he and Steven Marshall, a top producing originator and nationally recognized speaker in the mortgage industry, discuss:

• Why the rules about money & mortgages have changed
• Whether the idea that "the best mortgage is no mortgage" still holds true
• Why liquidity is sometimes more important than arbitrage
• Why managing and repositioning equity makes sense
• How to teach your clients to use their mortgage as a financial tool

You won't want to miss this strategy session between these industry experts as they outline ways to get out… and stay out… of the commodity trap by increasing your value in the minds of your clients.

Featured Speakers: Barry Habib, Sue Woodard with Robert J. Shiller, Author and Professor of Economics at Yale University

Robert J. Shiller is one of the most well-respected and opinionated political economists of our time…yet his take on the Housing Market has been more bearish than ours at MMGSM. Don’t miss this opportunity to see where opinions collide and where they run parallel…you might be surprised!

Listen in on this lively discussion as Mr. Shiller debates and shares his views with Barry and Sue concerning:

• His prediction for where the Housing Market is headed
• His opinions regarding real estate as an investment
• The relationship between employment and home prices
• Present housing inventory levels

Featured Speakers: Barry Habib and Sue Woodard with Ed Jamison

Let’s face it… Consumer Credit is an issue that affects everyone. Your credit score has tremendous power over many areas in your daily life: buying or renting a home, auto purchases and insurance, and the interest rates you pay on your credit cards. And while a poor credit score can cost you money, knowing what to do to improve your credit score – even by 10 points – can help you make money!

In this special conference call for MMGSM Members, Barry Habib and Sue Woodard discuss Credit Scores - and strategies for helping your clients improve their scores - with nationally-recognized credit expert, Edward Jamison. By implementing the ideas Ed shares you can continue to strengthen your position as a Trusted Advisor to your clients.

Edward explains the five factors making up the credit score and clarifies the false impressions many people have about what actually increases or decreases a credit score. Ed also reveals a number of interesting strategies for improving credit scores, such as:

• Why paying off collections isn’t always a good idea
• How to help your clients improve their credit score by making a simple phone call
• The secret of the “authorized user”
• Why “balancing balances” is so crucial

We hope you will find the conversation with Ed Jamison to be very enlightening and are certain you will discover some new concepts for assisting those clients whose credit scores may need a boost!

Featured Speakers: Barry Habib

Hey Barry! is a feature of your membership in which Barry answers your questions regarding a variety of issues. MMGSM Members can submit their questions by email and we will try to answer them on an upcoming conference call. The calls are held approximately every 3 weeks.

Prior to each session, we have received dozens of great questions from our members. Barry, along with The Mortgage Market GuideSM team, have answered as many as possible during these fast-paced, informal, ninety minute conference calls.

In this segment Barry addressed a new variety of issues concerning the state of the market and answered your questions on topics that are important to you.

In addition to Barry, Sue Woodard, Laura Smith and Bill Bodnar, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

This installment of "Hey Barry" aired live on November 21st, but just in case you weren't able to make it, we want all of our valued subscribers to benefit from Barry's knowledge and wisdom he shared on this call.

Featured Speakers: Barry Habib and Dr. Rick Kasack

Let’s face it, without our health we have nothing. In a departure from our normal series of conference calls we would like you to join Barry Habib in an interview with scientist Dr. Richard Kasack as they discuss important health issues. Their candid and insightful discussion delves into topics like:

• The Avian Flu… are you in danger of being infected?
• Do flu shots work and why?
• Why a pre-treatment of Tamiflu could cause more harm than good.
• Things you can do to boost your immune system and make you less likely to contract a virus.
• Why you should take the full regiment of antibiotics when prescribed by your doctor.
• Are antibiotics harming our children?
• The pandemic of 1918… how it infected nearly 90% of the world’s population and why it suddenly disappeared only to reappear 30 years later.
• Why various strains of influenza survive on hosts such as birds, pigs, horses, whales and other animals but not humans… why a jump from animals to humans can cause millions of deaths.

We urge you to take an hour and listen to this informative and thought provoking conference call. Available now... click one of the streaming links below to listen.

Featured Speakers: Barry Habib and Jim Camp

Interact with Jim Camp, author of the critically acclaimed book “Start with NO!”, as he gives you advice on your toughest client situations or those referral partner relationships that have fallen short of your expectations – for FREE! Ask the negotiations expert how you can change your current perceptions and end up with a decided advantage in any negotiation!

Jim Camp joins Barry Habib in this special conference call where the focus is on YOU and the challenges you face each and every day.

Featured Speakers: Barry Habib

Hey Barry! is a feature of your membership in which Barry answers your questions regarding a variety of issues. MMGSM Members can submit their questions by email and we will try to answer them on an upcoming conference call. The calls are held approximately every 3 weeks.

We’ve received dozens of great questions from our members. Barry, along with The Mortgage Market GuideSM team, answered as many as possible during this fast-paced, informal, 70 minute conference call.

In this segment Barry addressed issues concerning the state of the market and answered your questions on topics such as:

• The Economy
• Marketing to Real Estate agents
• Long and short-term direction of rates
• Advice on Locking and Floating
• Option ARMs
• The Fed and Greenspan
• Building Relationships with Financial Planners
• Working with an assistant
• The Fed Funds Rate
• Doug Andrew and TEAM training
• Japanese Candlestick Charting
• The FSBO market
• How to get started with Mortgage Market Guide

In addition to Barry, Sue Woodard, Laura Smith and Bill Bodnar, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

This installment of "Hey Barry" aired live on October 3rd, but just in case you weren't able to make it, we want all of our valued subscribers to benefit from Barry's knowledge and wisdom he shared on this call.

Featured Speakers: Barry Habib and Doug Andrew

Barry Habib and Doug Andrew discuss their equity management and asset optimization strategies…the “secret sauce” that can transform your business! 

Learn how to:

• Transform your mortgage business into a Professional Mortgage Planning practice - getting you out of the commodity trap and placing you in the position of someone who creates a meaningful transformation in the lives of your clients.
• Form Strategic Alliances with Financial Planners and Asset Managers where you, as the Professional Mortgage Planner, are the DEBT planner - making the whole greater than the sum of the parts in these alliances and enabling you to optimize your client’s assets.
• Establish yourself, the Professional Mortgage Planner as the lead advisor, the “quarterback” or the “general contractor” who can “connect the dots” for your clients.

“If what you always thought to be true turned out NOT to be true, when would you want to know?”

Featured Speakers: Barry Habib

Hey Barry! is a feature of your membership in which Barry answers your questions regarding a variety of issues. MMGSM Members can submit their questions by email and we will try to answer them on an upcoming conference call. The calls are held approximately every 3 weeks.

Prior to our first session, we received dozens of great questions from our members. Barry, along with The Mortgage Market GuideSM team, answered as many as possible during this fast-paced, informal, ninety minute conference call.

In this first segment, Barry addressed issues concerning the state of the market and answers your questions on topics such as:

• The Economy
• Long and short-term direction of rates
• Adjustable Rate Mortgages
• Rate Shoppers
• Bond Rollovers
• Mortgage Yield Curve
• Fed
• Building Relationships
• Working with an assistant
• Velocity of Money
• Japanese Candlestick Charting
• Alan Greenspan

In addition to Barry, Sue Woodard, Laura Smith and Bill Bodnar, we plan on bringing other featured guests into the roundtable format to broaden our topics of discussion and provide you with a variety of market expertise.

The first installment of "Hey Barry" aired live on Sep. 12th, but just in case you weren't able to make it, we want all of our valued subscribers to benefit from Barry's knowledge and wisdom he shared on this call.

Featured Speakers:
Barry Habib and Sue Woodard with Gibran Nicholas

If you were given the opportunity to consult with or speak in front of financial advisors, do you have the knowledge, skills and presentation tools to impress your audience and turn them into profitable clients and referral partners?

Over 36% of all home sales in 2004 were either vacation homes or investment properties! Do you have the knowledge, skills and tools to serve this growing need in the marketplace?

Do you have an effective method for multiplying your income by helping your clients reposition their home equity into other real estate investments?

Don’t miss this conference call jam-packed with dozens of business building tips and strategies. Register now.

What you will learn by listening to this conference call:

• Step-by-step guide to conducting continuing education workshops for Certified Financial Planners
• Top strategies to increase profitability with real estate investors
• How to make a life-changing impact in the lives of your clients through mortgage planning and a “team approach” with other professional advisors
• Specific ways to build confidence in yourself and become a financial expert without “re-inventing the wheel”
• How to systematically compel other financial advisors to seek you out for your knowledge, wisdom and advice

$99 VALUE -