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"I wanted to take a moment to thank all of you for an incredible experience. I came away knowing that for
everyone there who has participated or is participating in the coaching program that the experience was and
is truly life changing. You are all givers…it shows and the results are staggering. I can’t thank all of you
enough for opening my eyes to the possibilities that exist! Have a wonderful day and keep doing what you
are doing…you are making a difference in so many lives!!!" - Michael Content, CA
"What brought me to the CORE Training's SUMMIT event was the systems and tactics that I had first heard about
on their CD Program. The SUMMIT was amazing and I gained so many take- always that I was able to increase my
income from $220k in 2009 to $389k in 2010. The next step for me was to join the CORE Coaching so that I could
have an expert in the lending industry keep up the momentum and coach me directly with my specific needs. I
attribute a large portion of my success to not only the systems and tactics, but their Accountability of helping me
follow through. I highly recommend any Mortgage or Real Estate Professional to consider the CORE Training. And
if qualified, I highly recommend that you go to the SUMMIT. Hope to see you there!!!"- Greg Gale
"Dear Rick, I'm writing you to let you know how I have grown both personally and professionally from your coaching
this past semester and to thank you for your fortitude. I know I am far from your best student and still not being my
personal best. However, with the tools you are giving me and some hard work, you will soon see me at the top. Before
I started your coaching program 10 months ago, I was stuck in my office micro managing my loans and dealing with
day to day paper pushing, emailing and putting out fires. I thought that was what a mortgage broker was supposed to
do. I lost track years ago that I was a salesman. Today, I spend much of my time out of the office meeting with my
clients and referral partners. I am also forming new relationships and bonding with top notch Realtors that I intend on
having long lasting and profitable relationships with. I am able to accomplish all this while my team manages my files.
Before your coaching program I had only closed 10 loans for a gross of $65,284. The same 4 months of 2011, I have
spent considerably less time in the office and I closed 20 loans (13 purchases) for a gross of $195,286. That's an
increase of 300% in one year. WOW! I want to personally honor you and give you and your CORE Training staff my
gratitude. Your persistence and occasional yelling at me is working." - Brett Lightner, Platinum Capital
“The CORE has provided me a system that allows me to watch my business constantly and make sure it is profitable.
In the past, I counted the number of transactions and thought the more deals I could do the more money I could
make, the more profitable I would be. NOT TRUE! Thanks to The CORE I now work less hours, do bigger deals and
make more money!!” Kendra Cooke, TN
"I got involved in The CORE four years ago. With their help, I simultaneously improved upon my home life, and my
success as a husband and young father. In the two years that I have been coached, The CORE helped me to save
over $500,000, earn a combined $1.3 million, cut my work week back to five days at less than fifty hours, and helped
me grow as an individual both personally and professionally. Thank you CORE coaches and staff for the fantastic
journey! “ Josh Sigman, TX
“I have been a coaching member of The CORE for 6 years to date. Rick Ruby, Reeta Casey, Todd Scrima and Dayton
Schrader as well as all the coaches have truly changed my life. I have saved over $400,000 in six years and now
consider myself to be a Business Woman running a great team. Before the CORE I was an 80 hour a week workaholic.
Rick is an amazing speaker! He truly speaks from his heart. He is very passionate about his beliefs and is 100%
committed to helping people exceed their goals. Rick is there for you and will go the extra mile to be sure you succeed.
The CORE has systems in place for every aspect of our business. They have a phenomenal concierge service available
daily with the tools we need. They get them to us within minutes of the request. The CORE surrounds themselves with
Top Notch professionals throughout the country and brings those professional to the semi-annual Summit to enrich the
lives of their students. They are all about helping us achieve our goals not only in business, but spiritually, financially
and personally. I can’t say enough about the organization that Rick Ruby designed 10 short years ago.”
Janice Rosenberg, NC
“I'm from New York; I generally think everything that is marketed to us is a BS system from former LO's that couldn't
make it as LO's so now they want to teach it! I’ve owned a bank branch with 15 loan officers for 6 years now and have
always done well. After being referred to The CORE and going to a Summit in 2009, I qualified to become a coaching
student in January 2010. I’ve spent the first 3 months breaking many bad old habits, mostly time management. I began
to realize that these coaches weren't just teaching me, they were doing it themselves! 2010 was by far my most
successful year. I was challenged to work harder, smarter and as a result have been able to work less hours. I paid off
all my outstanding debts and put over $100,000 in the bank. Five of my loan officers are using the Greatness Tracker
and have seen their income levels rise to their best year ever. I highly recommend The CORE! For me it’s the only
credible coaching company in the country.” Scott Forman, NJ
‘If you are not getting better, then you are just getting older. After years of having a good year followed by a modest
year, I joined The CORE. The coaches here don’t allow you to simply let up on your business. I still have up and down
years, but the swings are much less severe. My results say it all: I had my best year ever in 2010 and I am closing in on
an even better 2011. Since joining The CORE, my family’s cash net worth is up almost 3 fold and our overall net worth
has doubled. I’ve still been able to work 40 hours per week and take 3 to 4 weeks vacation every year.”
- Scott Oliver, OR
“I joined The CORE after my first Summit in May of 2008. I had always been a good producer but I was a poor team
leader and business person. Profit and Loss? What was that? I met Rick and he said that he could "fix me" and he
would make me a $30 million a year producer. SIGN ME UP!!!! Since joining The CORE, I have paid off tens of
thousands in debt (which was my biggest issue) and my team is stronger than ever. I now am a Realtor my peers look
up to because I am organized and have great systems. I am in my 6th semester of coaching and plan to continue on
and hopefully become a coach so I can share what I have learned. I thank Rick and the AWESOME coaches who have
motivated me to work smarter, to make and SAVE more money and to think bigger!!! 2010 was my second biggest year
EVER and I am on my way to $30 million sold per year, thanks to Rick and my coaches. ” Majorie Adam, VA
"If you have not been to a Summit, you MUST do yourself a favor and attend. If you are serious about your business
and living a life by design, the Summit will not disappoint. Be prepared to walk away knowing that the once impossible
is possible in your business and life. No fluff; just results. I have now been a member of the core just for 6 months and in
that time frame they have helped me make big money, save big money, pay of over 60,000 in debt, all while improving
my relationship with my wife and kids. Did I mention that I work less as well? I can only imagine what the rest of my
career will look like with the Core in my life". - Jeremy Forcier
"The discipline and consistency that the CORE promotes has helped turn my business from good to great. as of 7/31
year to date I have already met my income of last year, and am on track to reach all of my income goals (actually exceed
them). I also saved 30% of my taxable income this year! For my first year of coaching, lets say it was well worth it."
- Jennifer Hernandez
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