TURNKEY MARKETING CENTER, INC. ANNOUNCES OUR LOAN REFERRAL PROGRAM!

Now you can earn money off of every loan that is funded by Home Loan Assist that is a direct result of your website and email referrals...

Read The Truth About Loan Referral Fees By Clicking Here

Each ProspectFlow® and ReferralFlow® system comes complete with "Home Loan Center" banners and links (included in both web sites and mailers). You, as a new client, are automatically assigned an "Affiliate ID" number the moment you sign up. This ID number is encrypted in every link and banner that is associated with your marketing campaign the minute you register.

This ID number is key. Every time a visitor or reader clicks on either the banner or link they are automatically re-directed through our online affiliate program then brought directly to http://www.HomeLoanAssist.com. This borrower is automatically tagged to your affiliate ID number and will remain tagged for as long as you remain a client of ours.

You are notified by email each time one of your prospects takes this action but you don't do any work. The borrower, and you, are automatically assigned an account rep that will handle this borrower throughout the loan process from originating the application to closing. You will be updated as to the progress every step of the way.

Typically, a prospect will complete a short home loan application online. We then take that information, pull a credit report and contact the borrower. Once we have interviewed the borrower we make a decision on the loan; yes, no, or maybe. Due to our volume we concentrate on "Cookie Cutter" loans. These are loans that do not require much research in hunting down a specific, qualified loan product. However, be assured that Home Loan Assist located in Aurora, CO, and licensed to do business in 23 states, works with over 178 investors and has the full spectrum of loan products. If we determine that the loan application does not meet our product guidelines, we immediately refer the prospect back to you and advise you as to what we think is the best route for this borrower to take. You can then refer them to any lender you desire.

More often then not, we will attempt to secure the financing. Only in special circumstances will we refer the loan back to you (if you are not in the real estate industry, we will refer it to a loan officer in your area and do our best to secure you a marketing fee).

We excel in FHA and VA financing, but have over 178 investors to work with and can do just about any loan available in 23 states. Our rates are very competitive. With this many investors, we can find the best rates. Your borrower is quoted a rate depending on the following criteria:

• Loan amount.
• Days to close.
• Whether or not we are paying closing costs.
• Geography.

We do offer "no closing costs loans". In fact, if you are working our zero down ProspectFlow® sites you will find that we close many "no down, no closing costs" loans. To pull this off all lenders must quote a higher rate. Don't worry, in reality it makes sense for a borrower to come to the table with as little as possible and finance the closing costs. I will be happy to explain this to you, but if you have a ProspectFlow® mailing campaign (116 Mega Home Buying Power Tips) you should sign yourself up. You will learn what I am teaching your clients and this is one of the tips; "Always finance 100% of appreciable goods and pay cash for depreciable goods".

The bottom line is that we are very flexible and will be fair to your borrower. We also want to lock the loan the minute you go under contract. It is very important that you fax us the entire contract the minute that it is official so that we do not miss any deadlines and we can lock the interest rate. We do not like surprises! We do not want to surprise you or your borrower! Communication is the key! Don't worry, if you are not a Realtor®, we will coordinate this duty with your prospects agent. Refinancing a current loan requires no contract.

IMPORTANT NOTE ONE: It is important to note that if you are a real estate agent you are constantly communicated with, typically through email. We will not tell you to show property unless there is an 80% chance, or better, that we can secure financing.

IMPORTANT NOTE TWO: We do have Spanish speaking account reps and can service your Hispanic prospects/clients. If you are not in this market, you should strongly consider expanding.

IMPORTANT NOTE THREE: It is important that you understand you are paid on refinance loans too. You may want to use your system to try and generate refinance loans. Your system makes it easy and I can cover it in a training session. This is fully covered in our Resort Boot Camps.

Benefits to you:

The whole idea behind this program is that you are finding potential loan prospects for Home Loan Assist by paying the monthly fees for ReferralFlow® and/or ProspectFlow®. Thus, we pay you for your marketing efforts. I have preached this for years. Many other companies offer to pay the real estate agent but they require you to do much of the work. When you do work (taking the loan application, etc.) you are directly on the firing line. With Home Loan Assist, we do everything for you and deal with the normal loan issues that may arise. You go about business as usual, the only difference is that you are using our expertise to secure funding for you prospect/client and you get paid for your marketing efforts.

Small business owners will benefit because it is an additional stream of income for doing absolutely nothing but turning on ReferralFlow®. Not only will ReferralFlow® generate you more business but it adds another profit center to your arsenal.

Here is how you are paid:

You will be paid 30 basis points of the loan amount. No need to understand a basis point, you only need to understand the math. For example; one of your prospects clicks through and retains Home Loan Assist to complete a refinance for them. The Loan amount is $225,000. You are paid $675 once the loan funds. Here is the math: $225,000 * .003= $675. It is that simple! Just remember your multiplier, .003, and you will be fine.

This fee is paid to you by Turnkey Marketing Center, Inc. and is considered a "Tech Support Marketing Fee".

ATTENTION LOAN OFFICERS AND REAL ESTATE AGENTS THAT DO NOT WANT TO PARTICIPATE IN OUR LOAN REFERRAL PROGRAM!

No client of ours is required to participate in our home loan referral program however, you must have a home loan center web site of your own.

Our web sites and mailers have links and banners embedded in them and these links must point to a home loan center website. If you currently have a home loan center website, we will point every link directly to your site. There is a one time charge of $50 to redirect the links. You can rest assured that every banner and every email that goes out on your behalf will point the home loan center link to your website unless you notify us differently.

If you do not currently own a home loan center web site:

Once again, you must have a home loan center web site either your own or use one of ours. Statistics show us that 99 out of 100 prospects will click on these links before ever contacting you via email or phone. Let me reiterate:

YOU MUST HAVE A HOME LOAN CENTER WEB SITE!

You may purchase a fully functional home loan center website from Turnkey Marketing Center, Inc. Our dynamic lender sites are complete with:

• Changeable customizable content.
• Mortgage calculator.
• Online short loan application.
• Interest rate tables.
• And more...

Many sites available today are over priced and offer way to many "Bells and Whistles"! Our sites only contain what our experience has shown is necessary. We are able to keep our prices down. There is a one time setup fee of $195 plus a monthly servicing fee of only $39. You are not charged to update your links when you purchase one of our home loan center sites.

You may also purchase one of these sites and still be paid on any loan. Regardless of which site or email your loan application is originated, you may turn it over to us and we will pay you (we will also pay you on loans that you procure using any other marketing means). The advantage of owning your own site is that you totally control the lead. We understand the importance of your leads and would never tarnish our relationship, but some may feel better taking full control. Your choice!

To learn more and to take a test drive of our DynamicLender Home Loan Center Web Sites click here.

Tracking your loans:

As I have mentioned, once you have become our client your are assigned an "Affiliate ID" number. You can track any and all commissions due to you (including a few other profit centers that you are not aware of) online at:

/affiliate

Once here you will login and enter your username and password. Click on the statistics link and you will be brought to a page that gives you a bird's eye view of your current commissions, your active accounts and much more. You can go here anytime and get updated on commissions owed to you.

Remember that you are not due a commission unless the loan funds. You are not paid on click through's or applications only closed loans that have funded.

As always your questions and comments are welcome. Please email me at:

wayde@adventureh2o.com

Looking forward to cutting you many checks in the near future,

Wayde McKelvy
President
Turnkey Marketing Center, Inc.
wayde@turnkeymarktingcenter.com

So You Have Been Told By Other "Professionals" In Our Business That Loan Officer's Cannot Pay a Referral Fee...

Here Is a Lightning Bolt News Flash

Read The Excerpts From The Statute Below To Learn The Truth!

12 usc section 2607
prohibition against
kickbacks and unearned
fees

TITLE 12--BANKS AND BANKING

CHAPTER 27--REAL ESTATE SETTLEMENT PROCEDURES

Sec. 2607. Prohibition against kickbacks and unearned fees

(a) Business referrals

No person shall give and no person shall accept any fee, kickback,
or thing of value pursuant to any agreement or understanding, oral or
otherwise, that business incident to or a part of a real estate
settlement service involving a federally related mortgage loan shall be
referred to any person.

(b) Splitting charges

No person shall give and no person shall accept any portion, split,
or percentage of any charge made or received for the rendering of a real
estate settlement service in connection with a transaction involving a
federally related mortgage loan other than for services actually
performed.

(c) Fees, salaries, compensation, or other payments

Nothing in this section shall be construed as prohibiting (1) the
payment of a fee (A) to attorneys at law for services actually rendered
or (B) by a title company to its duly appointed agent for services
actually performed in the issuance of a policy of title insurance or (C)
by a lender to its duly appointed agent for services actually performed
in the making of a loan, (2) the payment to any person of a bona fide
salary or compensation or other payment for goods or facilities actually
furnished or for services actually performed, (3) payments pursuant to
cooperative brokerage and referral arrangements or agreements between real estate agents and brokers, (4) affiliated business arrangements so long as (A) a disclosure is made of the existence of such an arrangement to the person being referred and, in connection with such referral, such person is provided a written estimate of the charge or range of charges generally made by the provider to which the person is referred (i) in the case of a face-to-face referral or a referral made in writing or by electronic media, at or before the time of the referral (and compliance with this requirement in such case may be evidenced by a notation in a written, electronic, or similar system of records maintained in the regular course of business); (ii) in the case of a referral made by telephone, within 3 business days after the referral by telephone,\1\ (and in such case an abbreviated verbal disclosure of the existence of the arrangement and the fact that a written disclosure will be provided within 3 business days shall be made to the person being referred during the telephone referral); or (iii) in the case of a referral by a lender
(including a referral by a lender to an affiliated lender), at the time
the estimates required under section 2604(c) of this title are provided
(notwithstanding clause (i) or (ii)); and any required written receipt
of such disclosure (without regard to the manner of the disclosure under clause (i), (ii), or (iii)) may be obtained at the closing or settlement
(except that a person making a face-to-face referral who provides the
written disclosure at or before the time of the referral shall attempt
to obtain any required written receipt of such disclosure at such time
and if the person being referred chooses not to acknowledge the receipt of the disclosure at that time, that fact shall be noted in the written,
electronic, or similar system of records maintained in the regular
course of business by the person making the referral), (B) such person
is not required to use any particular provider of settlement services,
and (C) the only thing of value that is received from the arrangement,
other than the payments permitted under this subsection, is a return on
the ownership interest or franchise relationship, or (5) such other
payments or classes of payments or other transfers as are specified in
regulations prescribed by the Secretary, after consultation with the
Attorney General, the Secretary of Veterans Affairs, the Federal Home
Loan Bank Board, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Secretary of
Agriculture. For purposes of the preceding sentence, the following shall
not be considered a violation of clause (4)(B): (i) any arrangement that
requires a buyer, borrower, or seller to pay for the services of an
attorney, credit reporting agency, or real estate appraiser chosen by
the lender to represent the lender's interest in a real estate
transaction, or (ii) any arrangement where an attorney or law firm
represents a client in a real estate transaction and issues or arranges
for the issuance of a policy of title insurance in the transaction
directly as agent or through a separate corporate title insurance agency that may be established by that attorney or law firm and operated as an adjunct to his or its law practice.