GO Mortgage Flipbook

GETREADY, LET’SGO!

Joinateamthatisalignedand designedtosupportyourgrowth.

MeetOur Leadership

JordanHansell Chairman of the Board

MichaelIssacs AndrewPanagos President

JessicaManna Chief Marketing Officer

NickCapretta VP, Retail Sales

VanessaGodoy SVP, Human Resources

CaseyDelinsky SVP, Capital Markets

AprilLipscomb SVP, Products

EricFrancis VP, Finance

Chief Executive Officer

OurMission

We make home financing simple, fast, and efficient.

tUs

e ’ ve fostered a unique uct line, innovative nced technology to enable cess. Join us to grow in a y aspect works together for erienceit?Let’sGO!

GO was founded in Brookfield, WI as a mortgage broker

OurJourney

Converted from broker to mortgage bank with its first warehouse line

Launched wholesale channel

Obtained FannieMae and FreddieMac seller-service approval, GinnieMae issuer and servicer approval.

Established construction lending division

Achieved record volume of $1.3 billion and profitability in excess of $20 million

OurMission

We make home financing simple, fast, and efficient.

Simple

Our Loan programs are clear & easy to understand. We explicitly communicate all expectations. Our actions are direct, honest, and complete.

Fast

We respond swiftly to customer questions and concerns.

We routinely deliver fast decisions and fast closings.

Our turn times are shorter than industry average.

Efficient

We offer very competitive rates and fees.

We are accessible at all times for our customers. We replace red tape with expertise and technology.

Products&Programs

A

loan solution for nearly every borrower and situation.

WeHavea LoanforThat

Direct seller to Fannie Mae, Freddie Mac, and Ginnie Mae

Innovative relationship with the agencies

Wide range of construction, non-QM, broker, and state housing programs

Sales-driven product team who listens to your feedback and adds new products quickly

TheFullSuite

We take pride in finding solutions for unique real estate deals that other banks and lenders cannot.

AssetandIncome

12MonthProfit&LossStatement

AlternativeDocumentation

BankStatement(12&24Month)

CrossCollateralization

FullDocumentation

LoanAmount

Conforming

HighBalance

Jumbo

Construction andRenovation

2xCloseConstruction

Non-QMConstruction

RenovationLoan(Homestyle,203k)

SingleCloseConstructionto Permanent(SingleFamily,Single Wide,andManufactured,FHA,VA, Conventional,Non-QM)

Bridge/SwingLoan

DownPayment Assistance

ConventionalNationwide

DownPaymentAssistance

–ComingSoon!

FHANationwideDown

PaymentAssistance

RocketOne+

StateHousingPrograms

FHAFixed

203K Buydownoptions

HUD$100

Reverse

SingleCloseConstruction

VAFixed

IRRRL

SingleCloseConstruction

HighBalance

100%CashOut

BuydownOptions

USDA Purchase

StreamlineRefi

Investor&Builder

CommercialLoans*

DSCRInvestment

CashFlow

Fix&FlipRehab

SingleProperty

RentalLoan

Spec&Production

BuilderLoan

*offered

AlternativeCredit

Individual&Entities/LLCs

Eligible

TheFullSuite continued

ConformingFixed &AdjustableRate

BuydownOptions

DoctorLoan

HighBalance

HomestyleRenovation

LongTermLock

NoFICO

SingleCloseConstruction TX50(a)(6)

Non-Conforming

15-year,20-year,25-yearand30yearFixedRate

5/6,7/6and10/6AdjustableRate

GraduatedPayment

Non-QM(bankstatement,DSCR, AltIncome)

PropertyTypes

5-8Unit

AgriculturalLoans

Condotel

Non-conformingproperties/excessacres

Lot/LandOnly(Residential&Recreational)

Mobile&ManufacturedHousing

Multi-family&Mixed-Use

NewConstruction

SFR,PUD,Townhome, Multiunit,Warrantable& Non-warrantableCondos

2ndLiens

Closed-End2nds

Stand-Alone

HomeEquityLoans andLinesofCredit

Technology

The tech you need to provide a delightful borrower experience.

Your Mortgage TechStack

Fannie Mae’s Day 1 Certainty™ is a validation service* designed to provide customers with improved processes for even faster approvals!

with E-Close and RON

Soft-pull with LP

Mortgage Coach

Mortgage Coach is not the status quo. Mortgage Coach provides our clients with the most detailed home buying analysis found anywhere. Mortgage Coach allows us to bring video and live interaction to our clients, seamlessly.

“LenderswhouseMortgageCoach presentationsimproveprofitability, reducepriceexceptions,and increaseconversions.”

*FannieMae, "One-Third of Recent Homebuyers Still Don't 'Shop Around' for Mortgages", Nov 18, 2022

Mortgage Coach

Create Trusted Client Relationships

Educate your buyers through transparency and clarity

Strengthen client retention by building borrower trust with branded, interactive digital presentations

Improve profit margins by reducing rate shopping and price exceptions

+ more!

Highway.ai

Stay ahead of the competition and focus on becoming a trusted resource for your clients and partners through education, certification, market insights, and partner marketing services.

Highway.aicompanies:

MBS Highway

Tools & Features:

Daily Market Update Video

Loan Comparisons

Real Estate Guides

Cost of Waiting Tools

Financial Calculators

Email Campaigns

Advisory Tools

Loan Advisor

Open House Flyers

Social Studio

Presentation Expressway

Operations Ops support that delivers a quick and seamless closing.

Servicing Operations

FullServiceLender

Customers may stay with the brand after closing

Direct access to interim and loan-level transactions

Ability to offer customers’ recasting solutions after closing

PersonalExperience

Provide a personal experience with the transition period from closing to their first payment due date

Dedicated servicing staff addressing all loan level inquiries while loans are hedged

Service-BasedReferrals

Automated marketing to prior customer for refinance and new purchase based on triggering events

DisclosureDesk

Double check their work (fees & contract) then discloses their loan

Receive, review, and send initial disclosures

Redisclosures as well as adverse files, as needed

SetupSupport

Orders third-party items, including VOE’s and appraisal, and send to processing

Once the initial disclosures are signed, they handle the third party orders

TeamSupport

Processors that actually process

Transaction coordination on third-party items and file prep

ICD team that balances the CD ahead of time

Closing team ready for any rush and extremely accurate

OperationsDifferentiators

AskGO

Help desk for technology, Encompass, Simple Nexus, Mortgage Tech

FinanceFirst OpendoorPolicy

Fully underwritten and TBD approval

Underwriting & capital market, make-sense decisions

AskUnderwriting

Help desk for scenarios, guidelines, income calculations and more!

FundingAuths Escalations

Most loans don’t require funding authorizations

97% hybrid closing esigned prior to closing, drastically reducing time at title company

Easy escalations for fast, make-sense decisions Stats

Loan submitted to underwriting same-day & C2C 6-days prior to closing

Soft-pull

Pre-approve & pre-qualify consumers more efficiently & accurately

With our credit reporting solutions, branches can better manage upfront costs and provide pre-approval for consumers before having them complete a full application. Our flexible pre-approval solutions are soft inquiries, protecting potential trigger offers from competitors in the early stage. In addition, we save you time and costs with our pre-qualification reports by setting parameters with one bureau, which can automatically cascade to the other bureaus when specific requirements are met.

Reducecosts

Marketing Marketing tools & technology to build your personal brand.

Marketing Services

Support: Training, Bootcamps, Help Desk,

Drop-in Office Hours, Live 1:1 Help

Communication: Intranet, Newsletters, and Teams Channel, Video Channel, and Direct

Services: LO Profile Pages, Collateral, Social

Media, CRM, Database Monitoring, Online

Reputation Management, Approved Vendors, and more.

Marketing Partners

Other approved marketing partners can help you with everything from digital advertising, blogging, search engine optimization, lead generation, and more.

Missing any of your favorite partners?

Adding new approved partners is a snap!

Marketing Examples

Database Marketing

Bring your prior customers and leads into our highly customizable CRM, which includes automated text and email campaigns and automated trigger and listing monitoring.

Loan Officers can bring leads from any source from across the web into the Total Expert CRM automatically.

With email drip campaigns already built in, Loan Officers can deploy targeted campaigns instantly.

Customer Intelligence

Increase your pipeline and close 20% more loans using Total Expert’s Customer Intelligence.

Real-timeInsights

Capture Credit Pull, Listing Alert, Equity Alert and Rate Alert— all signals that a borrower has an unmet need.

ComprehensiveCustomerProfile

Combine real-time insights with a borrower’s information, engagement history, transaction history, and preferences

— all in one place.

IntelligentAutomation

Deliver the next best action for each customer through intelligent Journeys based on borrower insights.

LeadCapture

Create Lead Capture Apps, also known as “Funnels” or “Forms” for yourself and your agent partners. With Lead Capture Apps, you can solve one of the industry’s biggest challenges: lead capture for automated followup at events, open houses, and online marketing.

Lead Capture Mobile Friendly Automated Follow-Up

Agents secure contact information for every potential buyer, at every open house seamlessly.

The Open House App works on every device, allowing for an easy set up anywhere.

Every potential buyer is added to an email drop campaign automatically, for a timely follow up.

Experience.com

Buildyouronlinereputation.

A reputation management tool that surveys your clients and partners then shares those positive reviews on various social media channels, which will increase your online reputation and help build organic SEO.

TheGOZone

We've got your back in more ways than one. Welcome to The GO Zone—your one-stop shop for all things swag! From custom GO apparel to trending merchandise, we ' ve got the tools to help you rock your role and stand out. Bec you ' re this good at what yo and feel the part too.

Social Media YourWay

Everyone is different and at GO, you have options for how to build your personal brand on social media.

01

02

Fully automated social media managed by the marketing team

03

Customizable social media templates for reviews, closings, just listed, awards, and more

Hybrid option where you customize your social calendar from pre-designed options

Social

Automated SocialMedia

Simply connect your business social media accounts from LinkedIn, Instagram, and Facebook. Each week, beautifully designed and compliant posts are scheduled on your behalf.

Products & programs

Market updates

Educations & tips

Agent, builder content

Optional holidays

Optional call-to-action

BombBomb

BombBomb helps us stand out in a world of mass emails. The tool integrates directly into Total Expert and lets you easily record videos to spark life into your communications.

Closedealsfaster. Shareideaseasier.

Keepcustomershappier.

BombBomb

Enhance visual presence

Boost brand recognition instantly

Engage and guide clients

Integrates with Total Expert + more!

RebelIQ

LeadGeneration

Rebel IQ allows us to attract, capture, and convert more, and better quality clients. Built by financial services marketing and lead generation experts.

Websites&Blogs

LeadPaths,Forms,&Funnels

AutomatedFollow-up

LeadCapturePlugins&Widgets

MortgageCalculators Facebook&GoogleAds

HumanResources

Courageous Collaborative Courteous Committed CoreValues

We boldly navigate the mortgage landscape, embracing challenges as opportunities to innovate and excel.

Together, we build strong partnerships, pooling our expertise to deliver exceptional mortgage solutions.

Our approach is always respectful and empathetic, ensuring every teammate, partner, and client interaction is positive and supportive.

Dedicated to results, we consistently go the extra mile to secure the best outcomes for each other, our partners, and our clients.

VotedaBest MortgageCompany toWorkforin2022.

“This direct lender operating in 36 states offers Conventional, FHA, and USDA loans in addition to special bridge loans. It offers tuition reimbursement or assistance for advanced or post-graduate degrees as a benefit to employees, who may also avail themselves of non-conventional office desk set-ups if they wish. At the time of the Best Companies survey, the company has an asset size of $154.8 million.” - National Mortgage News

Ouremployeesare ourmostvaluableasset.

We are committed to a comprehensive rewards program that helps our employees stay healthy, feel secure and maintain a work/life balance.

Medical

Dental

Vision

LifeInsurance

AccidentalDeath &Dismemberment

Insurance

SydneyHealth

HealthcareTool&Wellness

Holidays&PaidTimeOff

401KRetirementSavingsPlan

OneAmerica WaytoGO

RewardsProgram,Awardco

EmployeeAssistanceProgram(EAP)

PlanChoice

Select a plan that fits your healthcare needs and doctor and/or facility preference while keeping your premium costs low.

HealthCare

An ICHRA benefits solution allows our employees to choose plans from a large variety of options using an internal, user-friendly shopping platform. It’s a new player in the benefit market and is growing in popularity due to the ability to be customized to each employees’ unique family needs while saving them money

AffordablePremiums

Plans are offered directly through the free market, reducing annual premiums and creating cost predictability.

CompanyContributions

Go makes a generous contribution to the premiums, helping to keep employee costs low.

EmployeeExperience

Employees choose their insurance policy, leading to greater control and empowerment over their healthcare decisions.

StayingConnected GOConnect

Get ready to dial in and dive deep with GO Connect, our weekly company call that's more than just your average check-in. Think of it as your not-so-typical meeting where connection meets education meets trivia night. Ready? Let’s GO!

TheGO2

Welcome to your digital headquarters, the GO2, your go-to spot for everything you need to rock it in the mortgage game. It's your one-stop-shop for staying in the loop and making sure you ' re always ahead of the curve. Let the GO2 be your guide to success!

Don’ttake ourwordforit

“The ability to run our own business with all the incredible support which includes great technology, the best Loan Officer training I have ever seen, the access to capital markets, product development and upper management are incredible plus everyone listens. It is very clear that GO wants everyone to succeed and will do everything they can to make that happen.”

Greg Prendergast

Producing Branch Manager

NMLS# 282182

BranchManager University

Branch Manager University

Are you an entrepreneurial loan officer looking to elevate your career? Our Branch Manager University is your pathway to becoming a successful branch manager. This program is tailored for loan officers who demonstrate a strong entrepreneurial spirit and are ready to take their careers to the next level.

QualificationsforEnrollment

Achieve a minimum of $3 million in loans per month for two consecutive months.

TrainingatBMUniversity

Our comprehensive training covers all the essential skills you need to excel as a branch manager

Recruitment Skills: Learn how to attract and retain top talent.

Management and Coaching: Develop the ability to manage and mentor your team effectively.

Business Operations: Gain insights into running a successful branch, from managing income, expenses, and margins to creating a thriving business environment.

Business Development: Enhance your skills in identifying and capitalizing on new business opportunities

Cultivating Culture: Understand the importance of building a positive and productive office culture.

Office Space Management: Get trained on optimizing your office space for maximum efficiency and employee satisfaction.

WhoShouldJoin?

This program is ideal for loan officers who:

Have an entrepreneurial mindset and are eager to grow.

Are committed to achieving and surpassing goals. Are ready to take on the challenge of leading a branch.

SVPOpportunity andBenefits

SVP Opportunity &Benefits

ForourSeniorVicePresident(SVP)levelbranch managers,thebenefitsarebothinfluential&rewarding.

Participation in leadership meetings, ensures your voice is heard on key issues.

Make a direct impact on various aspects such as:

- Recruiting strategies

- Product development

- Marketing initiatives

- Pricing strategies

First right of refusal to beta test new initiatives

Exclusive access to the agent lead program in your area

Priority recruiting & sourcing from corporate recruiters

Moreover,you'llhavetheopportunitytoweighinon majorcorporatechanges,liketheintroductionofnew technologyandretentionstrategies.Thesebenefits collectivelyempoweryoutoleadwithconfidenceand drivesuccessatboththebranchandcorporatelevels.

Accounting

Accounting

We rely on Loan Vision and Compensafe, the latest tech in the game, to deliver top-notch financial precision.

Our P&L Model stands out in the industry, empowering branch managers with the unique ability to set margins by product, putting control firmly in their hands. This approach, simpler and more competitive than others, is supported by a financial analyst who assists in modeling and evaluating to pinpoint the most effective levels, ensuring that as a branch manager, you are the architect of your success.

Profit&Loss Concessions

Our concession and pricing policy is designed to ensure:

You never lose a loan to price.

Branch managers have complete autonomy over pricing and concessions without needing corporate approval and surpassing goals.

This policy not only streamlines the process but also maintains support, with our capital markets executives readily available for consultation, embodying our commitment to a fast, responsive, and open-door approach.

Testimonials

Here’s WhatPeople AreSaying

Hey, Mortgage Land! My name is Darren Stroud. I'm a branch manager of GO Mortgage, located in Spartanburg, SC. I've been asked to answer the question, "What do I think of GO Mortgage?"

Well, first of all, I came to GO about a year ago. To be honest and transparent, I was a little hesitant due to the smaller size of the company compared to what I had initially worked for. But I have absolutely loved the year that I have been here. Of course we have product, pricing, loans are turned. Everybody has product, everybody has pricing, everybody has hard working underwriters. What I love about GO and what's my secret sauce is, one – my ability to pick up the phone and speak with the head underwriter, and also the top of the house – I can call and ask them any questions and get a very quick response. It's been a great year. I thoroughly enjoy it, and I would love for you to join our team. If you have any questions, give me a call. I would love to chat with you from a coworker to coworkers point of view. I hope you have great 2024!

Darren Stroud Producing Branch Manager NMLS# 336259 864-706-7962

Here’s WhatPeople AreSaying

Bigger isn’t better. GO provides me with all the tools and support that I could ask for. With this support I am able to impact people for life with helping them through the purchase process. GO continues to help me with my construction aligns with GO’s core product “Build on Your Lot”. The commitment to customer service is evident everyday from all departments.

The client comes first!” is how we live and grow at GO. I am wowed by the fully engages management at every level, frequent & transparent communication with the entire company, and determination to be nimble to make things happen. I have been at GO since May 2022, and am thrilled each day that I chose GO!

The support across the company is unmatched. For a loan officer, it’s not just getting a quick answer to a question or scenario- but knowing it’s correct. Every non-sales employee here works hard and is excited to support sales and their referrals, which makes it a great place to work!

Greg Prendergast Producing Branch Manager NMLS# 282182

Erin Bishop Loan Officer NMLS# 564799 am Neft s Manager LS# 925721