Introducing The Legend of Dr. Doug.
How Did This Mild Mannered Mortgage Professional Become the Outspoken, Politically Incorrect Purveyor of Practical, Money Making Mortgage & Real Estate Marketing Expertise Known as Doctor Doug? Read On...
Dr. Doug, DhP is the alter ego of Doug Huggins. So to understand who Dr. Doug is, you must first be introduced to the man behind the man, Doug Huggins.
I'm Doug Huggins, President of The Home Ownership Center.
"The Home Ownership Center is a group of family owned companies that since 1963 have specialized in helping individuals and families find, qualify for and finance a home of their own; with little or no money down, and less than perfect credit or other qualifying problems."
Why You Should Listen To Me
My mom and late father started in 1963 with a homebuilding and real estate brokerage company. I was 11 at the time (you do the math about my age). I worked for my dad on weekends and all summer through junior high, high school and summers while attending the University of Georgia. In 1972 I became a licensed real estate agent. After college in (1974) and after a stint with a local, "old school" real estate company, I came back and joined the family business.
In 1980, we started a mortgage company, because we realized that it didn't matter how good a house we built or how much marketing we did, if we couldn't get the buyer financed - we didn't make any money.
Over the next ten years we built an average of 20-24 homes per year. We sold the homes we built through our own real estate company, and provided financing for many of those sales through the mortgage company.
I've worked all week in the home building side of the business, sat in the model home over the weekend to sell the homes and then took the loan application. During that time we listed homes of clients who want to move-up to one of our homes, and provided financing for their purchasers as well.
I also was involved in buying and selling homes and carrying back paper on many of those sales. We worked with other, larger, tract-type builders to buy their remaining inventory of homes in a subdivision. We then used creative mortgage techniques to put people into those homes. At one point during this time I personally owned 14 rental homes and held second mortgage notes on over 30 properties.
In 1990, my mom and dad decided to retire. They had done extremely well financially, had saved their money and wanted to travel and invest. I went to work for a local mortgage company to learn more about the business...and because I needed a job. My first and most important discovery while working with this company was, like most "green" originators and real estate agents…
I had no clue how to get business.
So, I started to follow the “Standard Originator Model” in other words, I called on Agents.
The next thing I discovered was, agents didn’t want to hear from me. Frankly, I was shocked. By this time I’d been a licensed agent myself for 18 years and I always liked talking to loan originators. I guess I thought all agents felt the same.
Wow, I sure was wrong!
I quite rapidly realized, I was starving and had to figure out a better way to get business. With a lot of fumbling, false starts and wasted money (I didn’t have to spare) I finally arrived at a simple, cost effective, easy system of getting buyers to call me.
At the same time I had rediscovered exactly what I had learned when we were buying homes from builders and selling them with “creative” financing. I learned:
"There were literally thousands of people out there who would love to own a home of their own but couldn’t."
The two primary reasons they couldn’t buy were:
- Inability to save enough money for a traditional down payment
- and/or Less than perfect credit.
By January, 1992 my dad had become completely bored with retirement and wanted to expand the mortgage business. So I came back to the family business with the idea of growing a company that would specialize in helping those thousands of people who wanted to own a home overcome their qualifying problems. With that in mind, we’ve grown and expanded the mortgage operation ever since.
Over the last forty plus years, we’ve seen every up, down and sideways move this business could offer. Our mortgage and real estate companies have worked closely together.
Because of the close ties of the two companies, and because of our focus on helping our particular target market, we have always been pretty much a "Purchase Money" shop. Our specialty has been helping people get into a home of their own. Naturally, we have taken advantage of the refinance markets when they happened, but we never relied on refis as a way of life.
Starting in 1998, I took over management of the companies. I am senior vice president of Mortgage Solutions, Inc, managing broker for Trendex Realty, and President of The Home Ownership Center, the marketing arm.
During these years I've tried virtually every possible combination of marketing, advertising, and promotional systems and strategies to not only keep the business going, but make a serious breakthrough to another level of production.
Using my marketing systems, we've generated the leads necessary to help literally thousands of people reach their dream of homeownership. The materials, ideas, techniques, and the systems we teach are NOT some pie-in-the-sky, textbook examples. They are exactly the ones we've used.
At one point, we had 24 loan officers, a producing production manager, two senior processors, junior processors, processing manager and various office staff, plus nine licensed real estate agents. Our marketing systems provided 10 to 12 leads per loan officer, per week. That's 250 to well over 300 inbound leads call per week. My systems work.
In fact, for 107 weeks straight, we averaged 289 in-bound lead calls each week!
What I share with you in my marketing systems & coaching program is exactly what we have found to be the most successful systems we know to attract buyers to our mortgage and real estate companies. Plus up to the minute ideas on how to extract more money out of your business!
You will learn the systems I have used to take our company over the top and to create a substantial income for myself. This system has allowed me financial freedom and the lifestyle choices I've always wanted.
In fact, it's because of the marketing and autopilot lead-generating system we've developed that I now have the freedom to do something I've always wanted to do - write and teach other mortgage and real estate professionals how to be substantially more successful. I couldn't be speaking to you today if weren't for these marketing systems.
By the way, our System works just as well when rates are high as when they are low; when the economy is good or stagnant; in a buyer's market or seller's market; and everything in between. Of all the things this System has given me, the greatest is control of my financial life.
Dr. Paul Hartunian says, "Money can't buy everything. But money can buy freedom and freedom is everything."
I have taken your time to tell you all of this so you will know that I do have the background, experience, knowledge and expertise to help you reach your goals. Whether your goals are increased income, increased control of your economic life or both - I can help you!
Dr. Doug IS Born
Over the last few years, several of my students and members have begun referring to me as “Doctor Doug”- DhP - Doctor of Huge Profits. All of this came from a simple comment I made on a training call:
"I' m certainly not opposed to education at all levels. I preach and teach that education is a prime key to success. The problem I find is that the higher one goes up the education scale, the more theoretical and less practical the education becomes. Take a doctorate, not an MD,DC,DDS, but a PhD. PhD stands for Doctor of Philosophy. That's wonderful and anyone attaining that level of education should be very proud.
But the title itself is revealing - “Doctor of Philosophy“ A Philosophical Education - is essentially an education in the theoretical not the practical.
Well, I and most of my members have to live in the practical. We have to live and eat, so we have to go with what works. That's why I'd prefer to have a degree in practical, hands -on real world of Making Money rather than the theoretical. Theory is important, but only if it makes you money. I'll teach you how to make money!
I'd trade a PhD for DhP (Doctor of Huge Profits) any day."
From that one comment, came the title of "Doctor Doug - DhP."
What I'll share with you are practical, simple, inexpensive, hands-on, proven systems for making money that anyone can start using immediately, regardless of their experience or time in the business. How do I know? Because the exact same techniques and systems I'll share with you have worked for me in my own mortgage and real estate business and for hundreds of other people all over the country!
Best regards,
Doug Huggins, Jr.
Doctor Doug, DhP