Business Style Blog

If you are a loan officer or mortgage broker on the market for exclusive mortgage leads, how do you know if that lead is really exclusive or not?

The true definition of an exclusive mortgage lead is defined as one that is sold in real time and sold to you only.

This sounds really good, but there is a small problem with that. Who is to say that this potential customer hasn’t taken it upon themselves to contact other loan officers.

Unfortunately, this is the chance you take when you buy leads exclusively.

Typically, a potential customer who fills out an on-line form over the internet is using the internet to find a mortgage and a loan officer because they feel as though they have no other place to go, and the internet is their best resource to find their product and someone to help them with it

Also, it is against the norm to jump from web site to web site filling out on-line forms. The majority of consumers like to keep their personal information very limited on the internet, so the chances of them filling out many forms is highly unlikely.

So your chances of receiving the lead exclusively may be better than you think.

Another problem, how can you be sure that the lead company selling you the exclusive mortgage lead is doing just that?

The best defense against receiving anything less than exclusive mortgage leads is to research the company you are considering investing in.

Call the company, speak with someone in customer service, find out how they obtain their leads and what exactly makes them exclusive.

Remember, you buy your exclusive mortgage leads with money that you have worked hard for, so if you can’t get answers to your questions, move onto the next lead company.

Customer service, as in any industry, is very important in the lead industry. The way you are treated when researching lead companies should be an indication as to how you will be treated when something goes wrong, or if you think you should get your money back. Best of luck.

It is important to ensure the correct selection of personal protective equipment is made as not all safety equipment will meet the same performance requirements or provide the same protection. For example, not one type of glove provides adequate protection against all chemicals or a respirator designed to be effective against medium air levels of a chemical may not be effective against high levels of the same chemical.

When selecting the appropriate personal protective equipment, consideration should be given to elements such as: durability, permeability, abrasion resistance, burn resistance, insulation, cut resistance, size, comfort, and the ability to be cleaned.

Personal protective equipment is designed for a specific duty and the most common forms come in these categories:

Head protection in the form of a safety helmet shall be worn where, there is a possibility that a person may be struck on the head by a falling object, a person may strike their head against a fixed object, and there may also be inadvertent head contact with electrical hazards.

Eye protection shall be provided where a risk of eye injury exists. Typical hazards might include flying particles, dust, splashing substances, harmful gases, vapors, aerosols, and high intensity radiation from welding operations.

Hearing protection shall be provided where a risk of noise induced hearing loss exists. The need for hearing protection shall be assessed from the conduct of noise surveys in potential noise hazard areas. If one cannot hear a normal conversation from two feet away, hearing protection is most likely needed.

Respiratory protection shall be provided, after all other practicable measures have been taken to provide control measures, to ensure that no staff member is exposed to an atmosphere that is or may be injurious to health.

Protective clothing and sunscreen shall be provided for staff that are required to work outdoors and are exposed to the sun’s rays for continuous periods in a day. Direct exposure of the skin to UV radiation from outdoor work shall be minimized by providing hats, long sleeves/trousers and an adequate supply of sunscreen.

Hand protection shall be provided where there is an identified hazard associated with a potential for hand injury.

Protective footwear or safety shoes shall be provided where the nature of the work exposes the employee to a medium to high risk of injury to feet.

High visibility safety vests shall be provided and worn where there is a risk of injury associated with working on or near roadways or near moving traffic or moving plant.

Fall protection harness should be provided when personnel need to work at heights.

Any protective equipment provided for use should be appropriate for the wearer and that it controls the risk. For the protective equipment to be fully effective, the wearer needs to be trained on its use. Protective equipment should be in a clean and hygienic condition for the wearer. This equipment should not be shared between wearers unless the equipment is deemed to be clean. Any protective equipment used should be stored and located in an appropriate place so that it remains clean and not exposed to the elements. Any storage areas for protective equipment should be clearly defined. Look for the manufacturer’s label for instruction on care and any special requirements.