Bay Mortgage and our Business Partners Building Successful Business Partnerships

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Bay Mortgage and our Business Partners Building
Successful Business Partnerships
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About Bay Mortgage

• Locally Owned and Operated Offices at The
  Village at Grand Traverse Commons.
• Quality staff available to work on your
  individual transactions.
• Senior Management always accessible.
• Part of the Traverse City Community.

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Core Values

• Why are these important to our Business Partners?
• Policies and employees may change, but Core
  Values do not.

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Core Values

• Customer Satisfaction
• Business Partner Relationships
• Honesty and Integrity
• Giving Back

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Core Values

• First Core Value
• Customer Satisfaction and their fair deal is the
  Bay Mortgage 1 Priority.

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Customer Satisfaction

• How this benefits our Business Partners
• Your customer is our customer too.
• Your customer will receive a fair interest rate,
  with fair fees and a completed transaction within
  a reasonable amount of time.

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Business Partner Relationships

• Our Business Partner relationships and their
  satisfaction is extremely important to us.
• Communication is key.

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Business Partner Relationships

• How this benefits our Business Partners
• Both you and your customer will be aware of
  requirements to close a loan and timeframes.
• No surprises during the process most
  importantly at the close.

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Honesty and Integrity

• Fair pricing for our customers.
• We tell the truth.
• We believe that a referral network stays strong
  with satisfied customers.

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Giving Back

• The Traverse City community provides us with over
  90 of our opportunities. We will strive to make
  the community a better place by hiring locally,
  contributing to local organizations, events, etc.

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Technology

• We have made major investments in technology to
  better serve our Business Partner Relationships
  and our Direct Clients.

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Technology

• Secured Website
• Access to transaction information online-
  24hrs/day.
• Pre-Qualify Online.
• Personal information is secure.

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Technology

• Paperless Office
• Instant access to information companywide.
• Permanent document storage on disk.
• Environmentally Friendly.

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Technology

• Electronic Communication
• email, document scanning, software driven faxes,
  internal phone system, cellular service, high
  speed internet and more.

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Technology

• Automated Underwriting Systems
• Pre-qualifications within 5 minutes including
  conditions.
• Have your potential buyers pre-qualify in order
  to manage your time selling to people that are
  able to make a purchase.

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Technology

• Control of the closing process
• Often we can order funds and closing documents,
  taking several days off from the transaction
  lead-time.
• Realtor commission checks cut faster.

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Loan Programs

• One of our Mortgage Consultants can deliver a
  Program Folder for you to review (call 933-9400
  to have one delivered)
• More programs mean more / better options for your
  buyers.

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Lenders

• Our Lenders have loan programs for
• Excellent to poor credit buyers
• Lot / Land loans, manufactured housing,
  unwarrantable condos, construction, etc.

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Credit Repair

• We can provide your prospects with a Credit
  Repair Program that will possibly
• Turn non-qualified prospects into qualified
  buyers.
• Increase buying power of already qualified
  prospects.

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Working Together

• We appreciate the opportunity to build a working
  relationship between our Business Partners and
  Bay Mortgage.