Creating Innovative Partnerships – One Lender at a Time
OUR STORY We’ve been getting it done for over 30 years!
Our company came to life in 1997 as First Houston Mortgage, founded by Dana Gampers and David Zugheri; bringing on Pat Walden and his equity partners in 2008. On our 15-year anniversary in 2012, we became one of the top 50 mortgage lenders in the United States as we launched our Correspondent channel. At Envoy, our extremely solid financial position is one of our greatest strengths. It allows us to grow and take advantage of opportunities to continually improve our Retail channel, and further develop our Correspondent Lending channel.
“We constantly search for ways to do what we do better, and that means capitalizing on the talents of every single one of our employees – including those on the ground meeting with customers to those who are working to build up our internal technological capabilities. There is no real recipe for this kind of dedication. Our success is the reward.” Pat Walden President, CEO Envoy Mortgage, Ltd. NMLS# 6666
MEET YOUR TEAM
Creating Innovative Partnerships – One Lender at a Time Steve Williams (CA, NV) (714) 863-2428 swilliams@envoymortgage.com Steve began his career in mortgage lending in 1990 after attending the University of Idaho where he studied Finance. During his career, he has held positions as a Correspondent Regional Account Manager, Correspondent Internal Account Manager and Marketing Manager. Most recently, he helped develop the Correspondent lending channel for Nations Direct Mortgage. Steve was attracted to Envoy’s commitment to service, the company history and culture, and their core values. It is his firm belief that building relationships is based on earning trust, which is dependent upon providing professional, timely and knowledgeable service. Steve resides in Orange County California and when not working can be found enjoying beach volleyball or a new book, but most enjoyably spending time with his wife Ruby and daughter Alia.
Dan Hastings, CMB
Executive Vice President Correspondent Channel
Todd Cheney , CMB
Senior Vice President & COO Correspondent Lending Division
Todd Potter, CMB
Senior Vice President Correspondent Sales Manager
Vice President Western Division Sales Manager
OUR PARTNERSHIP COMMITMENT From registration to funding, our commitment to you is to always provide fast, reliable, professional service. We stand behind our promise to make the
Whether you are originating locally or across the country, our team has the experience, products, and dedication to help you promote your business. Experience the “Experience” by partnering with Envoy: • Dedicated Sales Teams – Your Regional Account Manager and dedicated inside Lender Support Specialist are both committed to tailoring solutions to help you grow your business. • Direct Access via phone or email to the following departments: Registrations, File Delivery, Underwriting, Funding/Loan Suspense, Post funding, Quality Control, Servicing and Website Support. • Experience Since 1984. Our seasoned CLD team will help guide the orientation process for each new lender partner and provide continued training opportunities that will fine-tune the overall lender experience. • Rush Underwriting on purchases upon request. • Web Portal with comprehensive access to • Locks/Extensions • Live Reports
• UW/Funding Conditions • Lender Guide (AllRegs)
Creating Innovative Partnerships – One Lender at a Time
Envoy Mortgage, Ltd. NMLS# 6666
WHAT OUR PARTNERS ARE SAYING Peter J. Boretti Jr., Controller – Mortgage Corp of the East III “Doing business with Envoy Mortgage has been a great experience. The Underwriting Department personnel are very knowledgeable, experienced and friendly. The communication levels are exactly what we are looking for from our investor underwriters – we’ve even been able to run scenarios by them! Envoy appreciates each loan and treats each customer as important as we do. They are a pleasure to work with – including the funding Department and Lender Support Specialists. All aspects off Envoy treat us with respect and are always looking to help us get the loans closed and purchased.” Matt Yacobozzi, EVP – Secondary Marketing, The American Eagle Mortgage Co “We have worked with Jeff Cothern, and other members of Envoy Mortgage, for many years in Mortgage Banking, so it was a natural fit to get approved as a Partner with Envoy. Our experience with everyone there has been nothing short of spectacular. From the technology, to the hands on care and communication, the process from the initial lock, to getting loans funded is as good as it gets in the industry. We look forward to continued growth and many successful years working with the Envoy Team.”
Johnny M. Snow, VP – Mortgage Lending, Southern Heritage Bank “Envoy Mortgage has been very enjoyable to work with. Their underwriters are very personable and are accessible if needed. The entire staff is very knowledgeable and they make the entire loan process a good experience.”
Larry Bell, VP – Mortgage Loan Manager, Bank of Idaho “ I was very impressed with the help I received during the approval process. All of my questions were answered very quickly. The servicing level is very high. We have found that the Envoy staff is very proactive to help us clear suspense items and get our loans purchased quickly.. The ‘let’s get this loan purchased’ attitude starts with the President and is evident at all levels.”
Tracy Kuehn, Assistant Manager – First Community Bank “First Community Bank has found that Envoy Mortgage’s pricing is very competitive, their system is easy to use and they give great turn time on purchasing loans. They service the loans without selling again, which has been huge for our Borrowers as they know where they will be making their payments. I would recommend them to anyone searching for a new Investor.”
Creating Innovative Partnerships – One Lender at a Time
Envoy Mortgage, Ltd. NMLS# 6666
SERVICES & PRODUCTS Our experienced team has been exceeding expectations since March of 1984. Our core strategy focuses on partnerships, which requires a deep understanding of your business and how your company can compete more effectively. Whether you are originating locally or across the country, we have the experience, products, and dedication to help you grow your business. Experience the “Experience” by partnering with Envoy Mortgage’s Correspondent Lending Division.
SERVICES • FNMA/FHLMC/GNMA Seller Servicer • Best Effort and Single Mandatory Delivery • Dedicated inside and outside sales support team • All-inclusive web portal to manage your business • FHA Sponsorship /Authorized Agent • AllRegs Lending Guide • Comergence Lender Management Portal • UW Scenario Desk – providing expert guidance • Rush underwriting available on purchases
PRODUCTS Conventional – Fixed & ARM’s • FNMA and FHLMC • Including HB & SC • FNMA 97% • HomeReady • Texas 50(a)(6) • DU Refi Plus w/no LTV cap • Manufactured Homes
Government - Fixed • FHA – Including Streamlines and HB • VA – Including VA IRRRL and HB • USDA • VA Jumbo • Manufactured Homes
Jumbo – Fixed & ARM’s • Up to $2,000,000 • 1st & 2nd Homes • Cash out up to $250,000 • Business assets allowed for down payment • No pricing hit for Escrow waivers
Creating Innovative Partnerships – One Lender at a Time
Envoy Mortgage, Ltd. NMLS# 6666
MANUFACTURED HOMES
MANUFACTURED HOME GUIDELINES • • • •
Conventional, FHA & VA Only Minimum credit score 680 Lender must underwrite Manufactured Homes AUS Conventional DU Only FHA/VA – DU & LP
• • • •
Single-wide units are ineligible Primary residence and second homes only High balance loans are ineligible Qualifying ratios Conventional - per AUS Government - max 50%
Additional requirements regarding our Manufactured Homes products can be found online in our Correspondent Lending Guide. Lenders must meet eligibility requirements prior to delivering Manufactured Homes to Envoy Correspondent. Please contact your Regional Account Manager for more details.
Creating Innovative Partnerships – One Lender at a Time
Envoy Mortgage, Ltd. NMLS# 6666
MBS QUOTELINE PARTNERSHIP
We have established a partnership with MBSQuoteline allowing two designees from each of our top Lending Partners access to a trial subscription to MBSQuoteline’s Full Service platform! MBSQuoteline provides real-time mortgage-backed security (MBS) prices and other mortgage market information to its subscribers with a special Secondary marketing version! Market information is provided by the following a number of methods: web-based, mobile application, email, and SMS/text. Subscribers can choose any or all methods, so they can receive essential market information whether they are at their desk or on the road. Free use of MBSQuoteline’s Full Service for two weeks to up to three months (limited to two employees per company) depending on your Partnership level:
MBSQuoteline Services include: • • • • • •
Mortgage Time Weekly Real-time Market Updates Market Alerts Live MBS Prices Intra-day MBS Price Tracking Charting
• • • • •
Economic Calendar Market Archives Live Treasury Prices and Yields Industry Benchmarks Mobile Access
Partnership benefits include: • • • • • • •
Free use of MBSQuoteline’s Full Service for two weeks to up to three months (limited to two employees per company) depending on your Partnership level: Website access, desktop and mobile Emailed market updates and alerts Text messaged market alerts Personalized weekly market summary Monthly webinars during the introductory period for employees of our Envoy CLD Lending Partners o Factors driving mortgage rates o Uses of market information Special pricing for those who wish to continue o Month-to-month subscriptions (no long-term commitment)
FOR MORE INFORMATION ON THIS EXCLUSIVE OFFER CONTACT:
JOE FARR MBSQuoteline - Director of Sales and Marketing Direct: (512) 637-1763 Email: joe.farr@mbsquoteline.com Website: www.mbsquoteline.com
Creating Innovative Partnerships – One Lender at a Time
Envoy Mortgage, Ltd. NMLS# 6666
THE RESULTS ARE IN FOR THE 2016 CHARITY AWARD$ CHALLENGE 23 exceptional lenders qualified for Envoy Correspondent’s, 2016 Charity Award$ Challenge. The Charity Award$ Challenge is our signature program created specifically for our mortgage lenders to give back to the causes they support and hold dear. Lenders who fund more than $15M+ in production in a calendar year have the opportunity to donate up to $30,000 to a nonprofit of their choice! The 2016 Charity Award$ Challenge will donate almost $250,000 to 51 deserving and diverse nonprofits. Donations from the Charity Award$ Challenge help to fund causes like pediatric cancer research, domestic violence and homeless shelters, food banks, athletic scholarships, children’s advocacy programs and many more.
TO BECOME AN AMBASSADOR TO YOUR COMMUNITY CALL: STEVE WILLIAMS, VP – Regional Account Manager (714) 863-2428 OR email at swilliams@envoymortgage.com
To maintain the highest standards of excellence, participating nonprofits should *Be registered 501(c)(3) charities This is not commitment to lend | Envoy Mortgage Ltd. | NMLS# 6666
CREATING INNOVATIVE PARTNERSHIPS
ONE LENDER AT A TIME
FHA/VA USDA
0.125 PRICE BENEFIT FOR CREDIT SCORES 700-719 0.250 PRICE BENEFIT FOR CREDIT SCORES 720+
FICO > 720 RECEIVE A 0.25 PRICE IMPROVEMENT
BECOME A PARTNER TODAY! CONTACT
STEVE WILLIAMS VP- REGIONAL ACCOUNT MANAGER (CA, NV)
(714) 863-2428 | SWILLIAMS@ENVOYMORTGAGE.COM
www.envoycld.com All applications subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply | This is not a commitment to lend | Envoy Mortgage Ltd. NMLS# 6666 | State License - LA - Residential Mortgage Lending Licensee – NMLS #6666 | www.envoymortgage.com | http://nmlsconsumeraccess.org
CREATING INNOVATIVE PARTNERSHIPS
ONE LENDER AT A TIME
CONVENTIONAL LOANS WITH
FICO > 740 RECEIVE A .125 PRICE IMPROVEMENT
BECOME A PARTNER TODAY! CONTACT
STEVE WILLIAMS
VP- REGIONAL ACCOUNT MANAGER (CA, NV)
(714) 863-2428 | SWILLIAMS@ENVOYMORTGAGE.COM
www.envoycld.com All applications subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply | This is not a commitment to lend | Envoy Mortgage Ltd. NMLS# 6666 | State License - LA - Residential Mortgage Lending Licensee – NMLS #6666 | www.envoymortgage.com | http://nmlsconsumeraccess.org
Creating Innovative Partnerships – One Lender at a Time
Envoy Mortgage, Ltd. NMLS# 6666