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The Cost of Making Money

By
Mortgage and Lending with Loan Officer Marketing Lab/ Real Estate Marketing Lab

Most of you are already aware that I've been out of state the last few weeks. Public speaking is certainly exciting, but can be quite frustrating dealing with all the airline delays, lost luggage and more. Haha - We survived though, and had a great time meeting many of our members and readers in person.

It's amazing how many interesting people there are, but such little time to meet and get to know. I want to thank all of you for your support, referrals, membership, and kind words.

Now, onto the subject at hand.  During these travels, I have been of course, speaking about FSBO Marketing. After each presentation, my group is flooded with members of the audience with questions, stories, and current issues.

Lately I've been taken aback by how much money is thrown at some of the marketing campaigns many lenders and realtors are using. Apparently more and more of oyu have turned to direct mail, radio ads, and magazine ads.

First off I want to applaud those of you who "get it." In a rough market, the absolute worst thing you can do is stop advertising "because money is tight." If your marketing activities are bringing in a certain level of income n a good market, and you spend less money and do less marketing in a slow market, all you accomplish is to seal your fate that you will earn less money than ever before.

Unfortunately, it seems most take this defensive reaction to a slow market and ultimately pay the price with their income. But on the opposite end of the spectrum, we have those who are spending more than they ever have before.

Let's do a quick cost comparison:

Direct Mail - average response of less than 1/2 of 1% = $3,500 - $5,000 spent to generate 100 leads (If you're going to use direct mail, avoid the "mass send" approach and focus instead on a small niche. Your results can far exceed the industry averages with a more focused approach)

Newspaper ads - Display/Box ads - Range between $450 for tiny ads - $4,000 for large page ads. These costs are for 1 weekend or less for most large metropolitan areas, and require a 2 - 4 cycle commitment/contract. = $3,500 - $7,000 spent to generate 100 leads (Small classified ads are cheaper to run and probably a better use of your money to generate leads. Be sure to run multiple classifieds in various areas with classifieds for best results)

Buying leads - I don't think I have to say much here. Most lenders and real estate agents have purchased leads at one point or another. The results are just not what they used to be. Despite what the ads may tell you, the industry average closing ratio barely tops 2%. At $25 - $40 per lead averages (Live transfers top out at $100 per lead), you're looking at spending $2,500 - $4,000 per 100 leads.

The fact remains that the more you spend to generate your leads, the less your return on investment will be initially. With several thousand dollars to earn back before you see a profit, these methods are not the most efficient way to generate business. (Please note that there are always exceptions to the rule, as there are some  who have a campaign dialed in far better than the average lender or agent, and it makes financial sense for their situation - these comments are aimed at the average performing lender and real estate agent)

But what if you could spend less than $200 per month to generate 100 quality leads per month? Less than $150? If your cost per lead generated is $1.50 per lead, then your potential return on investment has just gone through the roof.

Even better, unlike buying your leads, you no longer have to worry about someone else selling that lead to dozens of your competitors. (Been there, done that, right?)

If you've planned your campaign properly, then you'll build quite the database of qualified candidates during this process, and sooner rather than later, you'll find yourself with plenty of prospects landing in your pipeline month after month. (This means you should collect email addresses from every FSBO prospect and potential buyer. Ask for permission to send value added information)

Yes, there is a cost to doing business. But this does not mean you have to waste money either! A properly executed FSBO campaign can generate business quickly, efficiently, and cost effectively. The key is to use a proven campaign, and trust in the marketing. You have the ability to earn!

Don't forget to visit www.fsboleadportal.com <<< New marketing tools have been added to the campaign 

Comments(16)

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Joeann Fossland
Advantage Solutions Group - Tucson, AZ
Master Certified Coach to Motivated Agents

You are so right. When the market slows is when you need to get aggressive!

Jun 13, 2008 04:11 AM
R. B. "Bob" Mitchell - Loan Officer Raleigh/Durham
Bank of England (NMLS#418481) - Raleigh, NC
Bob Mitchell (NMLS#1046286)

I hate to be disagreeable, but the only "advertising" that I've ever done that has worked has been direct mail...applied over a long period of time consistently.....newspapers have been worthless, as has radio, tv and buying leads...

What I've taken from my experience is that, as you pointed out, advertising has to be done in an organized, systematic and consistent way.  It also doesn't hurt to have a lot of money to be able to throw at it.  If you're not going to go big, then don't go at all!  Just my opinion.

Bob Mitchell

ValueList Real Estate Services, Inc.

Jun 13, 2008 04:17 AM
Ron Parise
LocateHomes.com - Cape Coral, FL

You have presented the option of purchasing internet leads as something less than cost effective.

$4000 per 100 leads at a 2% close ratio thats two sales. If your average sale is $200000 at 3% commission than thats about a $12000 return.  about 1/3rd of your income devoted to marketing ...sounds about right to me.

Jun 13, 2008 04:21 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

Hello Ron,

First off, please bear in mind that within your calculation, you are not accounting for the fact that the average loan officer has to give up 50 - 60% of his/her commision. After taxes come into play, that number isn't all that attractive.

Not to mention the other costs of wasting time to call 98 people to get to those 2, return the bad leads, and sift through what is and what isn't legit. Many years ago I bought out an existing lead company; I've seen the inner workings and what has to be endured to reach those numbers, even with a very hgih quality product.

Also, I think some of you may be missing the point of this post, so here they are:

#1 - If you are buying leads, you are putting your success/failure into someone else's hands. If that company fails to deliver, or proves to be unworthy of your trust, you're now at their mercy for the time being. (But this concept can work, but the lawa of averages are against finding a good provider without a LOT of experimenting)

#2 - You have to worry about how many times that lead was sold, and if what you are being told is the truth or not. (I have had personal dealings with the owner and/or CEO's of most lead companies. 90% incorporate outright lying as part of their advertising and sell leads in excess of 10 - 15 times, plus on the backend to their own competitors as well, who will also sell the leads. There are a few very honest providers out there, but you must be very careful)

#3 - The hassle to get leads replaced, and track what you are owed/delivery can also be time consuming (If you're buying leads, in any volume, please use a CRM or at least have a strategy to track, or you will get the short end of the stick)

#4 - Most (Not all) who buy leads use leads as their primary source of business. (This is in my own personal experience, so please understand this is my opinion, not a fact)  Multiple streams of income are vastly preferable to placing all your eggs in one basket that also happens to be an outside source

#5 - Most importantly, if you have an option that can produce higher quality leads at 1/20 of the cost, then why continue on that path? Especially if you have the key benefit of knowing that you are in control of your success or failure with a campaign, not someone else.

In tough times, your average day should be spent 50 - 60% prospecting. Back in 2005 I remember a statistic that was quoted by the AMA or DMA that stated the average sales person spends less than 8% of their time prospecting and speaking to customers, and about 20% of their time playing on the internet and about another 15 - 20% of their time taking extended lunch breaks and talkign with co-workers.

What this tells us is that there needs to be a stronger focus on putting forth personal effort to be in front of the right people. Taking personal responsibility for lead gneeration is one way to do this. When I forced my loan officer's to do this and quit handing out "the freebies" a lot of things changed for the better.

These were the key points being made.

In reference to direct mail, as I stated in the disclaimer, that there are most definately some who already have a campaign dialed in that are producing well. What I was pointing out is that by contrast, most originators and real estate agents are inexperienced with direct mail, and end up blasting out expensive bulk mailers only to regret doing so later when they meet with less than 1/2 of 1% responce, and not the 4% response most mail houses advertise.

One of my partners owns a rather well known mail shop, and I'm very dialed in to the industry. Bulk mailers are not for those who cannot afford to lose several thousand dollars. Most of those using direct mail successfuly these days had the money to experiment with A/B split testing methods to find what works. Most cannot afford this, so it is not a viable option for the average lender or agent.

Hopefully this clears up the statements a bit.  :)

www.fsboleadportal.com

Jun 13, 2008 04:53 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

Bob, you hit the nail on the head. Consistency! See, most don't have the funds or time to wait for something to work, as they need money "yesterday." So 2 - 3 weeks go by with no results and they move on to something else.

Radio worked well for us in the past, but only as a tool to get people to our seminars and teleseminars. Had to find the right station and demographic though. Not something I'd recommend to anyone but those with deep pockets.

Newspaper was rough and a total waste 95% of the time. But focued cheap classified ads placed in conjunction with a call capture line worked quite well, as long as we used real property as bait, and placed them within the proper counties.

Yep, we've used most marketing tools throughout the years, and FSBO marketing is one of the quickest returns we've ever seen. Thanks for the comment, you made some good points.

"the only "advertising" that I've ever done that has worked has been direct mail...applied over a long period of time consistently.....newspapers have been worthless, as has radio, tv and buying leads..."

Jun 13, 2008 04:57 AM
Heather Jackson, Realtor
Xcellence Realty - Lakeland, FL
Your key to buying and selling smart!

I am relatively new to the business...going on my 4th year.  I moved to a new area and got my license so it was difficult for me in the beginning because I did not have a good sphere of influence to work from.

All my listings and buyers to date (minus 2) have come from a lead generation system that I buy into monthly.  I have heard the stories and several of my co-workers have bought into the system too and claim is doesn't work.  I have found that you have to be in it for the long haul.  I just sold a home to a woman I have been sending listings to since 10/06 and I recently listed a home that I have been in contact with the seller since 4/06.

I do however feel like I'm floundering with my other lead generating methods.  Everyone has a different opinion or something that works for them and I don't have a ton of cash to throw at a concept and "hope" it works.  Are there any tried and true, reasonable methods that I could work on to grow my business?  I have NOT stopped my local advertising in the paper (on rotation with co-workers) and in the local real estate magazine.  I am also on multiple internet sites.

I would certainly appreciate input from all the seasoned veterans...especially ones that have been through these slower times.

Thank you!

Jun 13, 2008 09:34 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

Hello Heather, quick question for you. Are you making use of such tools as call capture? If you told me more about what you are doing now, I could recommend some tweaks to make the campaigns more effective. Also, check out my blog training videos at www.fsboleadportal.com/blog for more suggestions.

 

Chad Weber - FSBO Lead Portal

Jun 13, 2008 10:13 AM
Nancy Larson
I am a licensed referral agent in NJ - Hutchinson Island, FL

Moved to a new area as well...and thanks for the good tips.

Jun 13, 2008 01:58 PM
Team Honeycutt
Allen Tate - Concord, NC

You definently have to be willing to spend money to make money!

Aug 11, 2008 03:55 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

I agree Allen. If marketing is required even when things are great, it becomes even more important when the marekt is rough.

www.loanofficermarketinglab.com - www.fsboleadportal.com 

Aug 20, 2008 12:08 AM
Gary J. Rocks
Juba Team Realty - Jefferson Township, NJ

Chad

I have developed a free or nearly free way of getting leads, the problem is keeping up with the leads and closing them. More and more people are just wanting information and not looking to meet with me. I guess that is how I filter them out if they are willing to meet with me they are halfway decent the others get pushed to the back but not forgotten. I only wish I could find someone worth wild to send my leads to.

Aug 20, 2008 04:54 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

Hello Gary,

Common challenge. In fact, one of my members is now generating about 300 leads per week with his call capture line, and he was initially over-whelmed! However, there are many ways to keep up.

Here's a tip for you. Have you ever used a contact manager with an automatic workflow built in? Go to www.openleads.com and check out the free trial. What I like about the system, is you can create a follow-up process, including emails, notifications, scheduled follow-up reminders and more, and with the push of a button, you can activate it, so that even the "information hunters" all get the same wonderful experience of what it's like to work with Gary Rocks.

Also, I created a series of follow-up emails that each sent my "info seekers" to informative landing pages that educated them to their hearts content. Great way to "wow" them, and keep them coming back for more until you have freed up enough time to make a personal phone call. Bottom line is, if you treat it like a factory, where every single person receives consistent attention, whether by mail, email, phone or web.... You will be able to fit more into your funnel, and close more on a consistant basis.

Hope you like Open Leads. There are others out there you can use as well if you want more options.

CW www.fsboleadportal.com - www.loanofficermarketinglab.com

Aug 20, 2008 05:07 AM
Richard Baggett
AFI Mortgage - Lake Charles, LA

Our call capture system works but wow.... 300 calls

Aug 21, 2008 08:21 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

You got it. 300 calls from people who have alreaqdy identifies themselves as prospects. That's a great situation to be in.

www.fsboleadportal.com

Aug 26, 2008 04:15 AM
D H
Beaverton, ON

Those with a budget of what lunch would cost have an option. Print 100 feature sheets of one of your listings.Use a good quality paper and color laser printer. You might already have a program on your computer. On the back include some advertising for your 'team'. Mortgage broker, inspector, stager, etc. In fact, if they all pitch in you can do this for nothing.

Distribute the flyers in the blocks surrounding the listing. This time of year a lot of people are outside. Here is an opportunity to prospect, get some exercise and promote yourself.   

Aug 26, 2008 08:07 AM
Chad Weber
Loan Officer Marketing Lab/ Real Estate Marketing Lab - O'Fallon, MO

Thinking outside thebox there! Great job!

CW - www.loanofficermarketinglab.com - www.fsboleadportal.com

 

Oct 17, 2008 01:05 AM