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	<title>Comments on: Mortgage Advertising Downturn Pile On</title>
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	<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on</link>
	<description>Internet, Web 2.0 and Real Estate Marketing</description>
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		<title>By: Bran</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-15684</link>
		<dc:creator>Bran</dc:creator>
		<pubDate>Mon, 05 Nov 2007 20:40:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on#comment-15684</guid>
		<description>GOOG won&#039;t take a hit, search engine leads are the highest quality, and the last place advertisers will stop spending.   I spend millions online annually generating mortgage leads, and GOOG will be the last place i stop spending.   Mortgage lenders will continue to grow their online spending, and GOOG will not take a hit.   YHOO and other &quot;Brand&quot; advertising forums (MSN.com) will take a hit.   The big one to short is IAC (lendingtree.com) and Experian (EXPN in the UK) ... lead gen companies don&#039;t get paid for clicks or impressions, but only for qualified leads, and with 50% of leads that were qualified last year, now worthless, they will take the biggest hit because of their business model.</description>
		<content:encoded><![CDATA[<p>GOOG won&#8217;t take a hit, search engine leads are the highest quality, and the last place advertisers will stop spending.   I spend millions online annually generating mortgage leads, and GOOG will be the last place i stop spending.   Mortgage lenders will continue to grow their online spending, and GOOG will not take a hit.   YHOO and other &#8220;Brand&#8221; advertising forums (MSN.com) will take a hit.   The big one to short is IAC (lendingtree.com) and Experian (EXPN in the UK) &#8230; lead gen companies don&#8217;t get paid for clicks or impressions, but only for qualified leads, and with 50% of leads that were qualified last year, now worthless, they will take the biggest hit because of their business model.</p>
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		<title>By: Inman News Blog: Downturn ad spending: Zig or zag?</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-14394</link>
		<dc:creator>Inman News Blog: Downturn ad spending: Zig or zag?</dc:creator>
		<pubDate>Thu, 27 Sep 2007 21:38:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on#comment-14394</guid>
		<description>&lt;!--%kramer-ref-pre%--&gt;[...] Burslem has been following the issue for some time on Future of Real Estate Marketing. His last post on the topic rounds up several media reports suggesting that Internet ad spending will go [...]&lt;!--%kramer-ref-post%--&gt;</description>
		<content:encoded><![CDATA[<p><!--%kramer-ref-pre%-->[...] Burslem has been following the issue for some time on Future of Real Estate Marketing. His last post on the topic rounds up several media reports suggesting that Internet ad spending will go [...]<!--%kramer-ref-post%--></p>
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		<title>By: Jillayne Schlicke</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-14296</link>
		<dc:creator>Jillayne Schlicke</dc:creator>
		<pubDate>Mon, 24 Sep 2007 20:56:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on#comment-14296</guid>
		<description>Lowermybills.com, which produces the hideous ads shown above, is owned by Experian, the consumer reporting agency.
http://www.lowermybills.com/misc/company/index.jsp

Not only are these ads awful, they&#039;re beyond deceptive. Yet, once the consumer clicks through, eventually a screen pops up with all the required Truth-in-Lending disclosures. The wildly successful banner ad pushing a $510K mortgage for $1400/month is a pay option, interest only, negative am ARM loan. 

However, as long as mortgage brokers keep buying the leads generated by these ads, the more we&#039;ll keep seeing them. 

If it&#039;s true that the ads are no longer generating revenues at previous levels, then what&#039;s going on in our mortgage broker community?

Perhaps we already know.</description>
		<content:encoded><![CDATA[<p>Lowermybills.com, which produces the hideous ads shown above, is owned by Experian, the consumer reporting agency.<br />
<a href="http://www.lowermybills.com/misc/company/index.jsp" rel="nofollow">http://www.lowermybills.com/misc/company/index.jsp</a></p>
<p>Not only are these ads awful, they&#8217;re beyond deceptive. Yet, once the consumer clicks through, eventually a screen pops up with all the required Truth-in-Lending disclosures. The wildly successful banner ad pushing a $510K mortgage for $1400/month is a pay option, interest only, negative am ARM loan. </p>
<p>However, as long as mortgage brokers keep buying the leads generated by these ads, the more we&#8217;ll keep seeing them. </p>
<p>If it&#8217;s true that the ads are no longer generating revenues at previous levels, then what&#8217;s going on in our mortgage broker community?</p>
<p>Perhaps we already know.</p>
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		<title>By: Second Mortgage Bad credit &#187; Mortgage Advertising Downturn Pile On</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-14295</link>
		<dc:creator>Second Mortgage Bad credit &#187; Mortgage Advertising Downturn Pile On</dc:creator>
		<pubDate>Mon, 24 Sep 2007 20:50:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on#comment-14295</guid>
		<description>[...] Original post by Joel Burslem [...]</description>
		<content:encoded><![CDATA[<p>[...] Original post by Joel Burslem [...]</p>
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		<title>By: Subprime Mortgage &#187; Subprime Mortgage September 24, 2007 3:14 pm</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-14291</link>
		<dc:creator>Subprime Mortgage &#187; Subprime Mortgage September 24, 2007 3:14 pm</dc:creator>
		<pubDate>Mon, 24 Sep 2007 19:14:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on#comment-14291</guid>
		<description>[...] Mortgage Advertising Downturn Pile On More evidence that the ripples from the subprime mortgage mess are spinning out and beginning to affect web destinations. I?ve been writing about this for the last couples of weeks (see Storms Ahead for Real Estate Sites and What the &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] Mortgage Advertising Downturn Pile On More evidence that the ripples from the subprime mortgage mess are spinning out and beginning to affect web destinations. I?ve been writing about this for the last couples of weeks (see Storms Ahead for Real Estate Sites and What the &#8230; [...]</p>
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		<title>By: Matt Carter</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-14289</link>
		<dc:creator>Matt Carter</dc:creator>
		<pubDate>Mon, 24 Sep 2007 19:00:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on#comment-14289</guid>
		<description>A more upbeat take from the Financial Times: 

http://www.ft.com/cms/s/0/c7f37e10-6a31-11dc-a571-0000779fd2ac.html

&quot;Online advertising spending is widely predicted to continue its strong growth even if a US economic downturn squeezes the advertising sector as a whole.&quot;

The story quotes Eric Bader, managing director of digital at MediaVest, as saying online will gain market share on TV, newspapers, radio because &quot;The focus will be on advertising that can be measured for effectiveness.&quot;</description>
		<content:encoded><![CDATA[<p>A more upbeat take from the Financial Times: </p>
<p><a href="http://www.ft.com/cms/s/0/c7f37e10-6a31-11dc-a571-0000779fd2ac.html" rel="nofollow">http://www.ft.com/cms/s/0/c7f37e10-6a31-11dc-a571-0000779fd2ac.html</a></p>
<p>&#8220;Online advertising spending is widely predicted to continue its strong growth even if a US economic downturn squeezes the advertising sector as a whole.&#8221;</p>
<p>The story quotes Eric Bader, managing director of digital at MediaVest, as saying online will gain market share on TV, newspapers, radio because &#8220;The focus will be on advertising that can be measured for effectiveness.&#8221;</p>
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		<title>By: Advertising</title>
		<link>http://www.futureofrealestatemarketing.com/mortgage-advertising-downturn-pile-on/comment-page-1/#comment-14391</link>
		<dc:creator>Advertising</dc:creator>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
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		<description>&lt;!--%kramer-pre%--&gt;Original post:Mortgage Advertising Downturn Pile Onby at Google Blog Search: advertising    Blog tag: Advertising  Technorati tag: Advertising&lt;!--%kramer-post%--&gt;</description>
		<content:encoded><![CDATA[<p><!--%kramer-pre%-->Original post:Mortgage Advertising Downturn Pile Onby at Google Blog Search: advertising    Blog tag: Advertising  Technorati tag: Advertising<!--%kramer-post%--></p>
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