I just wanted to take the opportunity to thank you for such a great service. It seems that each month my investment keeps paying itself off. With all of the rate shoppers calling my office, it is great to have something of substance to talk to my customers about. Everyone wants to know about the activity in the market, the newsletter and bond quotes on my cell phone have given me a great competitive advantage in the marketplace. In the last three months I have increased my closing volume by about 25-30% in part due to having a "heads-up" from Barry about changes in the market, typically one hour before lenders re-price.

Once again thanks for such a great service, it has truly helped in developing new strategic relationships and opportunities.

John E

I can't thank you enough. I work in a community bank as the sole underwriter and secondary market "guru". The Mortgage Market GuideSM, along with the alerts via e-mail and text messaging keep me on top of the market. Between originating, Freddie Mac pipeline, and underwriting--I don't always have time to monitor the market. With your help, I don't have to. Your resources keep me in the loop and ready to pounce on rates for our customers.

Thanks for everything!
Gay Barrett

I am so glad that I subscribed to your service. I am learning more and understanding more about the markets. I believe this has made me a more credible, informed professional. There is not a day that goes by that at some point I say..."thank you Barry"....for the updates and information that makes my job easier and more fun....

I'm working on understanding the "candlestick charting" better. I know that this is a very valuable tool to understand and use.

Thank you Barry.....

Darla Brunet
GMAC Mortgage

In the past I would listen to all of the econ news and then decide in pain whether to lock or not. One thing thin that everyone in the office joked about it was “let’s wait and see what Ben does. If he locks the rates will fall but if he does not then we better lock!”. Even a degree in econ did not help at all! Actually it was a handicap! It gave me too many things to me think about come time to lock. I even tried flipping a coin!

Thanks to Linda T. a client who referred me to you. You made life easy! 2001 was a great year. With my closings just under $70 Mil it could have been a disaster if I had to use the old Dark Ages method to decide to lock or not!! Your decisions to lock or float were 9 out of 10 right on money. Now I have clients listen to your voice mails or I forward them your emails when they ask me about locking. They are very impressed by the fact that I have such a versatile team of ‘advisors’ looking out for their interest. Bottom line, your service is something a mortgage pro should not be without. I would venture to say that your fee is a small investment with returns so great that if my SEP IRA did 1/10th as good as the return on your fee, I would retire today!!

Thank you for this great service! Keep it up! Marhaba Akhy!

J. Ben Absalom

The success story is quite simple, but shows exactly how other brokers can benefit from your service. My business partner and I (my wife) were "not in agreement" on investing in your service. I tend to be the "just need one more piece to the puzzle" kind of mortgage broker, never satisfied with my procedures and always looking for something to improve my efficiency. Luckily for both my company and my clients, I prevailed. We made more than the cost of your service the very first week when we were able to lock ahead of a lender re-price. Your service has increased our profits with little or no extra effort. That pretty much says it all.

Robert S. Shaner
President
South Shore Mortgage Corporation

Dear Mortgage Market GuideSM Staff:

First of all thank you for the email requesting feedback. I have intended to give feedback since I first became a subscriber at the end of December of 2001. When I originally switched my trial period to permanent I spoke with one of your friendly gals there and told her how impressed I was. I told her I would email my praise but have never done so. I apologize.

I first came across Barry at a sales rally for Wells Fargo Home Mortgage last September or October in Phoenix, AZ. He was our guest speaker. I was very impressed. Having just finished High Trust Sales and Marketing this was what I thought to be the "icing on the cake". I am not sure why I did not sign up right away but I did wait almost 2 months. I think at that point I was frustrated about locking in loans and watching pricing improve days following. In just my two-week trial period I covered the investment cost of your service. After having been a customer for 9 months I do not know how you can operate as a "trusted advisor" without your service. My customers appreciate this service so much as we seem to always be ahead of the game when it comes to rate locking. Unless you own a crystal ball this service is an absolute must for every loan officer who wants to do more than just simply sell a mortgage. Often I can take a loan from a competitor who is offering a lower rate just by mentioning I have this service. This reassures the customer we are locking at the most advantageous time. Thank you for helping me become a "trusted advisor" with my clients. I have set myself apart from the local competition because of your service.

Sincerely,

Cam Cronkright
Wells Fargo Home Mortgage- Kingman, AZ
Home Mortgage Consultant

You do an excellent job of keeping us informed during these very, very busy times. The markets have been kind to all of us in Mortgage Banking, but those of us who have been around for a long time know it can turn unexpectedly. I feel I give much better advice to my clients having used your service. Knowing you will let me know when the market moves, allows me to focus on better serving my clients. Thank you.

Lee Zadareky
President,
Bozzuto Mortgage

Boy oh boy...

I used to get "updates" from another service... and would lose my pants on intra day re-pricing. Since subscribing to MMGSM, at the suggestion of Todd Duncan, I've increased my average commission by.250bps.

I also look much more prepared to my clients and partners.

Thanks a million!

Bob Prather
Sr. Loan Officer, CMP
Premier Mortgage Company

I've been using your MMGSM Update regularly since subscribing. However, my first success story is still my best. I was preparing to lock a client. I received the page and listened to the message. Quite frankly I don't recall if I locked before an increase, or if I waited for the better re-price. I DO remember very clearly how happy the client was that with ONE voice mail phone call, and the appropriately timed rate lock, I saved the client $968.63. I'll never forget it, and neither will he. He was STOKED.

Wishing you continued success,

Bill Orr
Burbank, CA

Hi Barry,

I just wanted to send this email to say "Thank You", I have been a subscriber for about 4 months now, and I can not even begin to tell you what a dramatic impact you have had on my career. I am so completely impressed, your guide has truly set me apart from the competition here in Arizona.

I have recently expanded my team, and you have really given me the necessary tools to run a "trusted advisor" company as opposed to most of my competition. I am very grateful. I am certain you got 1000 email of this a day,and hopefully this will get to you, But mine comes to you with the most heartfelt thanks and gratitude, PLEASE if your time permits the next time your in Phoenix or Scottsdale, Please allow us to treat you to a day of golf and dinner at Anthem Country Club.

Best Regards,

Michele Landros