Joel S. Pate, Chairman of American Family Funds founded the American Family Funds, Down Payment Gift Program in 2001. In addition, Mr. Pate helped to form the industries trade association, the Homeownership Alliance of Non-Profit Down payment Providers (HAND). Consequently he served a term as HAND's first elected Chairman. HAND members include: American Family Funds, Inc., The AmeriDream Charity, CDS Grants, The Dreamhouse Charity, Family Home Providers, The Genesis Program, Home Buyers Assistance Foundation, Homes for All Program, Nehemiah Corporation, and Neighborhood Gold.
Customer service is the bedrock of the Pate companies. Toby Harris, VP of National City Mortgage is quoted as saying "American Family Funds is the Nordstrom's of Down Payment Assistance."
Joel S. Pate speaks at Loan Toolbox Business Plan 2006 held in Las Vegas, NV, sponsored by Loan Toolbox and Source Media.
Source Media provides market information, including news, analysis, and insight to the financial services and related industries such as accounting, and technology, through its publications, industry standard data applications, seminars and conferences. Its flagship publications include American Banker, National Mortgage News, the Bond Buyer, and Accounting Today.
In addition, Source Media is the leading publisher of information on the mortgage market. Utilizing websites, database products, publications, and proprietary research, the Mortgage Group provides an extensive product mix which includes: Broker Magazine, Weird Loans, Origination News, Mortgage Servicing News, and Mortgage Technology. For more information about Source Media, visit: www.sourcemedia.com.
LoanToolbox, created by top loan originator Tim Braheem, teaches more than just how to present different loan programs, how to overcome objections, and how to qualify a borrower. They have tried and tested mortgage broker lead generation campaigns to help you get loans in your pipeline. LoanToolbox, with material from mortgage industry giants like Dave Savage of the Mortgage Coach and Greg Frost of ACTion Marketing. For more information about Loan Toolbox, visit: www.loantoolbox.com
LoanToolbox includes: Strategies for developing lasting referral relationships with Realtors, CPAs, financial planners, insurance agents, and other business professionals, complete marketing campaigns for new and existing clients, over 60 scripts to polish your presentation and create the right image, a turnkey database management system using Tim Braheem's custom ACT! template and Greg Frost's ACTion Marketing system, a step-by-step walkthrough of the perfect loan process, easy-to-implement time management training and business planning, tips for building and training a profitable team, the fundamentals of taking a proper loan application, qualifying borrowers, and reading tax returns, simple explanations of FHA and Subprime loans, credit repair, industry rules and regulations, and a whole lot more. www.loantoolbox.com
Greg Frost and his team funded 1,362 loans in 2004, making him the 8th most prolific loan originator in America. Last year, he was also the # 1 FHA originator in the nation, according to MORTGAGE ORIGINATOR MAGAZINE. For more information about Greg Frost, visit: www.gregfrost.com
Joel S. Pate has been quoted in National Mortgage News, Broker Magazine, The Mortgage Press, and the Mobile Register.
Joel S. Pate is also the Founder of Vadium Group, a division of National Mortgage Advisors, LLC, that provides Business Development functions to medium size lenders that desire to expand their market reach and penetration without investment of the firm's capital and human resources.
Vadium Group provides the skill sets needed by lenders on a contractual basis in return for long-term residual income that is derived from the results achieved.