OF NEW JERSEY
This is Your Chance
to Take Control
and Advance Your
Join a company that recognizes your potential and provides the necessary tools for you to achieve everything you deserve. www.usmtg.com
You may know us as: OF CALIFORNIA
OF NEW HAMPSHIRE
OF DISTRICT OF COLUMBIA
OF NEW JERSEY
OF NORTH CAROLINA
OF SOUTH CAROLINA
Since before the millennium, NP, Inc. has built a national reputation on one basic principle – serving the client always comes first. When you put clients first, you close more loans based on relationships, not leads. Since the beginning, we’ve focused on building a national presence by finding and keeping the best people. From our headquarters in Boca Raton, Florida to licensing locally branded branches in 22 states and D.C., our growth strategy has been deliberate and measured with minimal impact on our ability to provide the best possible service.
DE MD DC
AK LICENSE COMING SOON HEADQUARTERS
The name of your branch would be ….. US MORTGAGE OF [STATE].
When considering a move, you should evaluate your current company using the FIVE P’s. PRODUCT, PRICING, PAY, PERFORMANCE AND PEOPLE. Here’s how we stack up.
PRODUCT – Unmatched product offering! FHA, VA, USDA, Non-QM, Reverse, OTC, DPA and much more. A good mix of products to allow you to say yes to more customers.
PERFORMANCE – We close loans on time. We understand that keeping relationship partners happy is a result of timely closings. We close loans quickly every month, often earlier than expected.
PRICING – We make a conscious effort to be very competitive in our market(s). We collaborate with our Branch Managers in the field to ensure we provide a better value to your customers.
PEOPLE – Our team consists of hardworking, experienced and out of the box thinkers that share one common goal…to be the best. PAY – By eliminating unnecessary layers of management, we are able to have a strong and competitive compensation plan along with excellent benefits.
Unique Aspects of NP, Inc. The owner of the company originates loans every month. Why? So he can stay on top of processes and work flows to provide another level of accountability. How many other companies can say that?
You are never just another number at NP,Inc. That’s just who we are. You are welcome to ask any of our Branch Managers about this.
We Bank, Correspondent and Broker files – 3 channels designed to provide an outlet for every scenario.
In House Non-QM Team that covers all those “Unique Loan Scenarios” that are not agency backed.
Say “YES” More Often With More Product Available
It’s our large selection of loan products that makes us one of the most capable direct lenders in the business. • •
VA & USDA
• • • •
• • •
FHA 203(b) FHA (h) Mortgage Insurance for Disaster Victims FHA 203(k) - Rehabilitation (Standard & Limited) Streamline Refinance
• • • •
Loan amounts up to $3 million (higher in some cases) Delayed Financing Fixed-Rate Mortgages (10-30 Year Terms)
100% Financing for Purchase Transactions IRRRL (interest Rate Reduction Refinancing Loan) VA Cash Out Transaction (100% LTV) VA High Balance VA Energy Efficient Mortgage (EEM)
• • •
Dedicated team to support all your Reverse needs. Fixed and adjustable rate options HECM for Purchase option HECM Jumbo Loans - $850k up to $4 million
We have a mixture of both bond and DPA programs We continue to add the programs
$100 Down REO Good Neighbor Next Door (GNND) Energy Efficient Mortgages Purchase, Refinance, Streamline, Cash Out, Condos, Disaster Relief Solar Wind Technology
Cash Out Transactions for Second Homes In-House Underwriting up to $3 million & 89% LTV No Mortgage Insurance
100% USDA Financing Finance Closing Cost & Prepay Items No Limit on Gifts or Seller Contributions No reserve requirements
No minimum credit score. Credit and income is analyzed to show ability to pay property taxes, home owners insurance and credit obligations
offered by local and state, county and city governed agencies. No overlays
Conventional • • • • • •
Fixed Rate (8-30 yr terms) Adjustable Rate Mortgages (ARMs) Cash Out Transactions FNMA HomeStyle FNMA HomeReady FNMA DU Refi Plus & FHLMC Relief Refi (Max
• • •
125% LTV) Multiple Properties (up to 10 fnanced) Conforming High Cost Loans 97% Conventional Financing FreddieMac SETH Homestar
• • • • •
Non-Warrantable Condos Foreign National Asset Utilization Self-Employed Solutions Self-Employed Solutions Express
$25,000 Repair/Reno Non-Conforming Jumbo $250,000 Repair Reno
Non-Conforming • • •
Loan amounts up to $5 million (higher in some cases) Fixed-Rate Mortgages (10-30 year terms) Adjustable Rate Mortgages (ARMs) 5/1, 7/1 and 10/1
Renovation • • •
FHA $5,000 Repair/Renovation USDA Repair Escrow EZ “C” Conventional
Additional Programs • • • • • • • •
Conventional Construction to Perm ( in house coming very soon) Jumbo Construction to Perm FHA Construction to Perm VA Construction to Perm Vacant land/lot loans Hobby Farm and Rural properties 2nd mortgage/HELOCS In house underwriting of manufactured
• • • • • • •
homes Near Prime Expanded Prime Non-Prime Investor Advantage /DTI Bank Statements DSCR No Ratio
Do you currently have access to all of these programs now?
Technology that Helps Save Time and Maximizes Sales At NP, Inc., our technology allows you to perform at the highest level of service and efficiency allowing you more time to grow your business.
LOAN ORIGINATION –
We use the Encompass LOS. While many of you have worked with Encompass in the past, you know that it has the ability to be customized. We have spent a great deal of time and money and worked with industry leaders to make what we feel is the most efficient version of Encompass you have ever worked with.
Top of Mind CRM –
We feel that while there are many CRM programs out there, the Top of Mind SureFire system truly understands the needs of the mortgage professional and how to maximize their business.
Digital or Print Marketing
– We work with a completely “Mortgagecentric” marketing company that can assist you in creating marketing material for any need. Some mortgage companies have an on-staff team of up to 6 people, our marketing partners are able to work on 40 to 50 projects at a time! In most cases, your material will be ready to go in 48 hours and completely customized for you!
SCENARIODESK@USMTG.COM – Not sure what type of loan product to use for a client? Does your client have a unique form of income or assets? Send an email to our Scenario Desk and let them help you get the file started the right way, the first time.
BRANCHRELATIONS@USMTG.COM – Team of licensed MLO’s to help on board new branches, answer branch specific questions, answer real time product, process and Encompass questions.”
MOBILE APPLICATION – While there are many good products out there, we wanted something better. In early 2019, we will be launching a new application that was built from the ground up, just for us.
LOVE YOUR CURRENT TECH? – While we love all of our tech, if you love your mobile app, CRM or phone system, we won’t make you change. If it works for you and you’re happy, we will do everything possible to not make any changes at all.
Your Customer’s Journey File Started Application Started
Submittal/Submitted Processor Received Needs List & File is Moving to Underwriting
Initial Underwrite Finished Reviewed and Conditioned by UW
* toggles between Initial UW and Resubmittal until clear to close
Application Taken Along with
Processor Reviews Documents
Borrower Docs Obtain
to Make Sure They Satisfy the Condition & Then Sends to UW
Application Completed Full Detail is Complete
Sales Manager Review Manager Reviews Key Details
Welcome Email and Needs
All Conditions Have Been
List Sent to MLO/LOA
Cleared and File Can Now Close
Compliance Review & Set Up
Third Party Order Outs are Placed Such as Appraisal, 4506T’s, Title, SSA, WVOE’s, Flood Cert & Fraud Guard
Signed Loan/ Package Received
Initial Signed Disclosures Received via LO/LOA Download, Obtain Wet Signatures and Move to Opening
Ready to Disclose
Email Generated by Disclosure
Disclosure Desk Picks Up File
Dept. that States Disclosures
and File Moved to Active
Clear to Close
Closer Has Completed Closing Package and Documents Were Sent to Closing Agent
Funded Wire Was Sent and Funder Reviewed Funding Documents and Authorized Title Company to Disburse
Branch Focused Leadership We know having a passionate, motivated team that cares about our customers, business partners and each other is our greatest asset. When you call NP, Inc. home, youâ€™ll experience an infectious spirit of humility, heart, integrity and purpose throughout the organization. Our Sales team is made up of seasoned mortgage professionals bringing in business built on relationships with Realtors, Builders, past clients and referrals. While our Operations team is made up of individuals with an average of 8 yearsâ€™ experience, many have 15 or more years total in the mortgage industry. Collectively, we are focused on dreaming bigger, raising the bar higher and achieving our goals.
Tony Talk Tuesday Hear from the Owner of the company every Tuesday morning as he shares his 25+ years experience as it relates to current files in the weekly pipeline.
Hear from all Corporate Department heads on the Topic of The Month through our very own communicative channel.
On-Boarding & Licensing Some companies send out generic emails to get you started and leave it up to you to figure it out. At NP, Inc., you will be walked through every step of the process by real people that know what they’re talking about and have a real desire to make sure your transition is as smooth as possible. From licensing, to on-boarding, to tech questions, you get the answers you need to get you up and running …. Fast!
Support is Critical to Success At NP, Inc. we understand that streamlined processes and technical support are needed in order for Branch Managers and Loan Officers to reach their full potential. As we’ve added licenses, we’ve continued to refine processes and bring in the latest technologies to support our team. To assist in selling loans in the secondary market, we have over 30 outlets for non-banked loans for either correspondent or broker. NP, Inc has in-house DE Underwriters, USDA Underwriters, Lender Appraisal Processing Underwriters as well as an Appraisal Review Team.
A Career, Not a Job Our goal is to provide you with the support you need to build a team and start a legacy. A place where you have a chance to excel and move up quickly. A place comprehensively strong on product offering, operations and technology. Technology that accelerates your business by eliminating the obstacles that prevent you from doing what you do best. Imagine how much you could transform your business with over 400 home loans products and thousands of program options to offer your customers.
such a diverse range of options, from Government to conventional to unique niche programs, youâ€™ll experience a new level of confidence that comes from knowing you have the right solution to meet the unique needs of each and every one of your customers.
Marketing The Marketing Tools You Need To Achieve The Success You Deserve Our marketing services provide top-notch Branch Marketing solutions. We’re dedicated to serving you with engaging, opportunity driven solutions that will compliantly help you grow your business and succeed!
OUR MARKETING LIBRARY – We know
the importance of on-demand marketing. That’s why you’ll be empowered with our own CRM-integrated marketing storefront. Our CRM features automated on demand materials personalized just for you.
TOP OF MIND CRM – Our enterpriseclass platform is built for your complex workload, including lead capture, pipeline management, dashboards and automatically triggered communications. CUSTOM SOLUTIONS – We’ll help you reach your fullest potential with custom advertising services. We’ll work with you to develop custom designed, compliant marketing pieces.
BRANDING YOURSELF – Every Branch, no matter where you are located, will have access to brand yourself as U.S. Mortgage of (Your State). All of your marketing materials will be branded with your logo, with access to custom promotional items. DIGITAL EMAIL CAMPAIGNS – With marketing options from flyers to email campaigns, you’ll have access to a variety of retention building tools to help you build your business.
SOCIAL MEDIA – We publish new Social Media content every week. We will provide you with Business to Consumer, Business to Business and Recruiting content on a rotating basis.
Human Resources & Benefits Our HR team is here to assist you with hiring, on-boarding, and benefits administration. We offer a full benefits package to fit you and your family’s needs. With our online benefits access, our employees can access their benefits when and where they want. • Insurance
• Life Insurance
• Medical Insurance
• Disability Insurance
• Dental Insurance
• Flexible Spending Account
• Vision Coverage
• Dependent Care
• Direct Deposit
• Medical out-of-pocket expense
• 401(k) Retirement
OF NEW JERSEY
As an experienced, customer-focused mortgage professional, isnâ€™t it time you join the team that has the underwriting, products and support you need to reach your goals?
Michael Guthneck Branch Manager, NMLS #180867 561-886-0300 | Mguthneck@usmtg.com www.linkedin.com/in/michael-j-guthneck-jr-9b6b782a/ 4800 N. Federal Hwy, Bldg. E Ste 200 Boca Raton, FL 33431
www.usmtg.com Corporate Offices: 4800 N. Federal Highway, Building E, Suite 200, Boca Raton, FL 33431 866.435.2562 | NMLS #75597
Advance your career.