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[Music] hey everybody Regan hagstead here with mortgage success blueprint and today is the first step in our six step system on how to be a better originator from the time somebody calls you until the time period theyre in contract and the first footstep is the initial phone call okay Ive heard it called the discovery call Ive heard it called the initial application call whatever you want to call it somebody basically docHubes out and says Id like information Id like to get a mortgage from you and I think thats really key the thing that you cant do is just let it be email or automated in this market okay if youre really running a referral based business in my opinion that first call has to be a phone call and theres some keys with that okay one of the big keys with that in my opinion is you dont do it just randomly or haphazardly okay you have to do it in a way whether it means you schedule it out whether it means you have somebody that answers the call and then sets up an app