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A Message From Our President |
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 When I started out in the lending industry thirty five years ago, originating a loan was a little simpler. We looked at the borrowers past credit history, we asked them to explain what caused their derogatory credit; we talked to the local department or grocery stores, where they might have had an account, to see how they paid. We might even have driven by their current residence, to determine pride of ownership. We took a look at their saving history, had they been saving for a home? We spoke to their boss, and determined their job stability. Does this sound simpler? While these methods, might not seem any more simple than today’s methods of loan origination, it did make sense. As a loan originator, you see transactions every day (at least, our loan originators do) that make sense, like a 600 credit score, with compensating factors. What’s the reason for the low score? Does it make sense, have the problems been solved? As a loan originator, have you ever just wished you could sit down with the underwriter, and really look for a way to HELP your customer? At Integrity 1st Mortgage when you have a question on a transaction, you set up a meeting with your underwriter to review the concerns and possible solutions. Just imagine, being able to walk over to your funder, and ask when loan documents will be issued, and know that there is accountability, AND, they speak to you. If this sounds like a refreshing way to do business, then, you need to talk with us. We are a local based mortgage bank, offering Conventional, FHA, VA, USDA, Jumbo and Reverse Mortgages. Our FHA program goes as low as a 580 credit score. Our in-house processing, underwriting, documents and funding are the best around. Our commission structure is top in the business, paying up to 115 bps on the loan amount, plus production bonuses that can increase your commission to over 125 bps. Our rates are HIGHLY competitive, on par with local credit unions and our loan originators are cleaning up in this refinance market. Our rates just naturally get them business. If you have been working for one of the local banks, and have a database of referral sources, YOU really need to call us. As a fellow veteran of the banking industry, I know, this will be a breath of fresh air. **Special Note to those wanting a career. I have never been bored in thirty five years in this industry. You can still make a very good living, IF you develop a client database, and are trained and execute on the activities you are taught. We have systems and training for the right individuals. Each year, we hire new loan officers, and train them the correct way. The obstacles to success are many, not the least of which is income, as this is a commission Feel free to forward your resume to my email, johno@integrity1st.com , or call me direct, for an interview. |
Click here for a power point presentation: Why Choose Integrity 1st Mortgage Do you have what it takes to be a Loan Officer? |
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