The
Top Flite Financial Difference • Who is Top Flite Financial? • How TFF operates • Programs we offer • Technology pieces • Support
Who is Top Flite
Financial
• Established in 2002, privately owned and headquartered in Williamston Michigan.
• Licensed in 36 states.
• A fully delegated correspondent lender, offering a full line of mortgageproducts for all types of borrowers.
• We work with an emphasis on compliance and ethics, receiving the BBB Torch Award for ethics in 2020.
• We are a growing company. In our 20 year history we have been on the INC 5000 list 8 times!
Branch Level
How TFF Operates 3 At a Corporate Level • Licensing, onboarding, initial setup and ongoing training • New hires, accounting and HR services • IT Services • Lender Works LOS/Encompass support • Experienced processing team • QC, Underwriting, Closing and Funding (for Delegated loans, Non-del still QC close and fund)
• Operates on true branch P&L • Originate, submit, and complete all loan functions via Encompass 360 • Pricing, scenarios and guidelines thru Optimal Blue • Weekly payroll, files are paid the following Friday after closing • Get paid for referrals in non-licensed states with corporate referral system • Partner with and compensate local banks and credit unions thru our unique branch/broker TPO program
Programs We Offer: Delegated • Conventional purchase and refinance to 620 • FHA purchase/refi to 620 • FHA refinance to 540 • VA down to 580 • USDA • JUMBO • Nationwide DPA (coming soon)
Programs We Offer: NonDelegated • FHA purchase/refi to 500 FICO (No score available) • Reverse mortgages (HECM) • FHA 203k loans • One Time Close constructionloans • Full Non-QM offerings • Bank Statement programs (personal and business) • DSCR • Asset depletion • Credit event
The Technology
Advantage • Encompass 360 • Everything in one place, pricing, AUS, MI quotes, fraud guard, MAVENT, all at the click of a button. • Fully integrated with our mobile app, ability to send/retrieve docs and disclosures. • Work in the same system as the UW, closer, funder. You see what they see! • Hole N 1 • Application>Pre-Approval>Disclosures>Signatures>Conditions all in your client’s hand! • All client communication information and file info with LO mobile access. • Auto client reminders for open requests, cut down on your texts and emails! • Customizable features for referral partner notifications • Candor & Loanbeam • Full income and asset review with no subject property/disclosures. • Have your loan an appraisal and title away from closing. • Have your client submit the strongest offer, great for competitive markets! • Optimal Blue • Fully integrated pricing into Encompass will all file details pre filled for quick accurate pricing. • MI quotes from multiple agencies at the click of a button, pre-selecting the lowest price! • Quote>Click>Lock all in one place all in Encompass. 6
Branch
Support • Transition team to get you up and running • One on one training for all TFF operations and loan processes • Compliance, IT, and System Support all an email away • Transparent, current, independent branch P&L • Sales staff to assist in recruiting and branch growth • Marketing tools and resources offering flexibility for todays environment • Full contact list of corporate staff. Yes, the underwriters too!
How do I join?
• Complete your branch P&L with a TFF sales team member.
• Complete a background check and begin license transfer.
• Setup your location with lease, phones, etc.
• Get trained on Encompass and TFF loan process.
• Setup all your technology pieces.
• Get your team signed on and start closing loans!