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Investor FAQ
What makes MortgageBrokers.com unique?
Our business strategy is to unite small and medium sized mortgage brokerages and eliminating long-standing industry issues of ownership, exit strategy and retention, through the acquisition of books of business through equity participation in a public company.
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What is the opportunity?
There are currently over 44,000 small and medium sized mortgage brokerages in the United States that generate approximately $1 trillion dollars in mortgage volumes. These enterprises have traditionally built their business around a 'bricks and mortar' strategy, which has limited their growth. Under one corporate banner, there is an opportunity to combine their local community presence with a national brand. Under this structure we provide the consolidation of costs, allow for increased productivity and the opportunity for agents to build a career exit strategy through equity participation in a public company.
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How will MortgageBrokers.com perform in a rising interest rate environment?
MortgageBrokers.com consolidation strategy is based on vision of combining small and medium sized mortgage brokerage enterprises (SME) into one stronger, leaner, and highly efficient operating entity that can better compete in the industry under one recognizable brand. The prime objective is to improve the economic performance of the combined companies though the reduction of operating costs, expansion of a national brand and improved market share. The Company also expects growth to be catalyzed by a rising interest rate environment. The main reasons for this are as follows:
* MortgageBrokers.com shared services model will allow SME brokerages to save significantly on the centralization of back office tasks that include finance, compliance, human resources, technology, marketing, accounting and loan processing.
* MortgageBrokers.com lead generation system, national brand and technology platform will allow SME brokers to acquire new customers, better serve their current customers by focusing on sales, get more repeat business through our CRM solution and scalability through the reduction of back office responsibilities.
* In high interest rate market conditions, consumers will demand bigger interest rate discounts. MortgageBrokers.com business strategy of amalgamating SME brokerages will lead to better leverage with lenders for revenue generation and rate discretion, through the pooling of origination volumes and control over channeling of mortgage volume.
* MortgageBrokers.com will work towards the diversification of income and revenue sources. Our partnerships with credit card, title insurance, home and auto insurance, cable, long distance, internet and eventually in-house lending will enable us to expand and diversify our revenue sources.
* MortgageBrokers.com model also allows financial planners, real estate and life insurance agents to become lead generators. (Over 345,000 in North America). MortgageBrokers.com unique business model will thrive in an interest rate rising economy where 48,000+ mom and pop shops will seek stability, exit strategy and support. Our strategy of converting these smaller companies into one efficient, lean and scalable organization is the next evolution in the mortgage agent industry.
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How do you know you'll have customers?
One of the key strengths with the union of small & medium size enterprise (SME) brokerages is the integration of their existing customer base and network. We will leverage off this core strength with eXimius™ which will integrate SME's to grow their existing brokerage by funneling loan processing through a central underwriting and call centre environment.
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How do you connect to customers?
We strongly believe in a multi-channel sales distribution strategy to position our products and services. We believe in maintaining the traditional mortgage agent model of face-to-face interaction as well as passing on lead generation to our partners. Although a customer may have initiated an application on-line or via the telephone, we believe consumers should have the choice of having a professional mortgage agent visit to ensure needs are understood and fulfilled.
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What is the secret for your expected sales success?
The strength of this model resides in our shared services environment, technology and strength of the traditional mortgage agent model. Through enterprise enabling technology and a shared services environment, we are able to give mortgage brokers the opportunity to focus on building their business and reduce their overhead costs. To the consumer, we are providing multi-channel sales, the security of working with a public and transparent organization, and knowing that their needs are being fulfilled by a local mortgage broker who understands their unique individual needs.
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