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We do things the
FAIR WAY.
1
A Message from the CEO
At Fairway Independent Mortgage Corporation, we pledge to provide distinctive quality and unparalleled customer
service. Whether we are serving a customer, a supplier or our branch
network, we strive to provide a quick, precise and helpful response.
We believe in instilling confidence in those around us, building
knowledgeable consumers and self-assured team members.
At Fairway, we trust and depend on the expertise and efficiency of our
personnel, since the organization’s success is determined by the depth
of our commitment to perform as a unified team. Our flat organizational
structure empowers them to be creative, make decisions and think
outside the box.
Fairway’s management team is committed to the individual success of
every employee, which means we will always support you in reaching
your career goals.
Steve Jacobson
Steve JacobsonFounder & CEO
Hear more from Steve: https://vimeo.com/156335470
2
Table of Contents
A Message from the CEO ............................................1
Our Vision/Core Values ...............................................3
Company History ......................................................... 4
Why Fairway? ..................................................................5
Our Leadership Team ...................................................6
Marketing .........................................................................7
Home Buyers Marketing ..............................................9
Learning & Development ......................................... 11
Branch Support ........................................................... 12
Operations.................................................................... 13
HR & Benefits .............................................................. 15
American Warrior Initiative ....................................... 17
Notes ............................................................................. 18
For more information about Fairway Independent Mortgage Corporation, please visit www.FairwayIndependentmc.com.
Onboarding at Fairway is designed to connect a new branch with all the departments by providing a Point Person and a Trainer from day 1 to help navigate the transition.
Over the course of 120 days, the new branch will not only have an on-site training visit ranging anywhere from 3-5 days, but will also be connected with all departments at the time that makes the most sense for the branch. Our onboarding is NOT one size fits all – we customize it to fit the specific needs of a branch.
3
Our Vision/Core Values
At Fairway, it is our responsibility to create a fun, safe environment where the team can live out our Core Values. We aim to make our team members and customers feel part of the Fairway family while providing the best customer service, speed and support by being kind, humble and giving 100% every day – it’s WHAT we do and it’s WHO we are.
Fairway’s Core Values define who we are and what we strive to accomplish
every day. These values define how we work, how we interact with each other, and guide us in determining how we best serve our customers and team members.
CORE values:
1 Humility First We are grateful for the opportunities we have and continue to work hard, always striving to BE better and DO better.
6 Seek Wise Counsel We value the input and perspective of others, so we can make the best decisions possible.
2 Foster Growth & Knowledge We understand the importance of education and training and provide extensive on-boarding support for new team members and deliver access to discounted industry events further nurturing professional growth.
7 Respect, Listen & Stay Balanced We understand the importance of open communication between our originators, also known as “The Street”, and support staff. Major decisions to policies and procedures are always vetted first, before implementation.
3 Have Fun We enjoy where we work and the people we work with so we always strive to have fun each and every day.
8 Committed To Serve We are committed to serving our branches and origination teams, allowing them to focus on originating and closing loans.
4 Create An Amazing Experience For YouFrom the day a new team member walks through the door, it’s our goal to provide a smooth and seamless transition for you, your team, customers and business partners to ensure an amazing experience.
9 Consistent, Honest Communication Communication to our team members and management is fully transparent with daily posts being sent to communicate events, trainings, underwriting guideline changes, new programs and more.
5 Speed To Respond This is the mantra of Fairway’s Support Teams, which continuously distinguishes us in the marketplace.
10 Family Focused We are committed to protecting the well-being of our team members and consistently promote a healthy work/life balance.
Culture is how a company thinks, check out this video about our growth and culture: https://vimeo.com/156335423
4
Company History
Learn more about our humble beginning: https://vimeo.com/156335239
Since opening our doors in 1996, we have not only been dedicated to providing unparalleled customer service but also to our continuous growth. Starting out with a staff of only 16 people, Fairway now employs more than 3,200 team members including over 1,300 producers and over 250 branches nationwide. Our team has helped thousands of Americans achieve their dream of homeownership throughout the years, funding more than $50 billion in loans since the company started and more than $11 billion in 2015 alone.
WE ARE PROUD TO BE VOTED THE#1 BEST MORTGAGE COMPANY TO WORK FOR
2 YEARS IN A ROWBY MORTGAGE EXECUTIVE MAGAZINEBASED ON LOAN OFFICER VOTES
APRIL1996
Fairway Independent Mortgage was Incorporated
MAY1998
Fairway Opened its 1st Warehouse Line
JULY2004
Second Corporate Location Opened in
Plano, TX
APRIL2010
Hello to Fairway’sAMC, Frisco Lender
Services
APRIL2012
1st Military MortgageSpecialist Boot Camp and Home Giveaway
OCT2013
Began Servicing Loans
NOV2014
Hired our 2,000th Team Member!
MAR2015
First $1 BILLIONMonth in Funding
DEC2015
$11+ BILLIONFUNDED IN 2015
52,433 UNITS
For a branch location near you, visit www.fairwayindependentmc.com.
donated to the American Warrior Initiative to support Veterans since 2013
Ranked for Total VA Purchase Loan Volume in
Fiscal Year 2015 by the VA
#8
2015 VA Purchase Loan Amount: $819,199,449 • 2015 VA Purchase Loans: 3,737
$1.5M
5
Why Fairway?
“ Being in the mortgage industry for 26 years and working at what I thought were a few great places – my only regret is I didn’t come to Fairway years ago. There is not another mortgage company that compares to Fairway – here at Fairway we definitely know we have our own small slice of ‘Mortgage Heaven’.”-Sarah Middleton,
EVP National Production & Marketing
Quality of Loan ProcessWe are dedicated to maximize our time and efficiency through the entire loan process, including processing and underwriting, as well as expedited decision making.
Early Delivery of Closing Documents & Loan FundsOur CEO has maintained his steadfast commitment to loan officers, branch managers and customers for more than 20 years. This commitment is what drives our Closing Department to consistently provide early delivery of closing documents and loan funds.
Extensive ProductsAt Fairway, we continuously listen to our loan originators, also known as “The Street,” to add cutting-edge products to ensure our customers have the right options for all situations.
Commitment to Providing Outstanding ServiceWe understand that customer service is imperative within every aspect of the organization. Our commitment to providing exceptional customer service to “The Street” flows through to every customer, ensuring an exceptional home loan experience.
Speed & SupportWe provide our branches with some of the fastest turn times in the industry giving a clear advantage in each market. Our dedication to making every effort to respond quickly is second to none.
Branch SupportBranch Support is our frontline and gateway to the entire organization. Understanding urgency and making every effort to respond in minutes allows each branch to sustain maximum efficiency.
Marketing SupportOur full, in-house Marketing Department consistently serves “The Street” by offering a one-stop shop for ALL marketing that is efficient, creative and always evolving. The department includes design, communications, events and support team members to assist with each and every request.
American Warrior InitiativeFairway’s American Warrior Initiative strives to educate, encourage and inspire Americans to give back to the wounded heroes who have served in the United States military. For more information about the organization, please visit www.americanwarriorinitiative.com.
We’re dedicated to providing an AMAZING EXPERIENCE for YOU every day.
facebook.com/FairwayMortgage
@fairwayimc
linkedin.com/company/ fairway-independent-mortgage-corporation
Check out what some of our team members have to say about us: https://vimeo.com/120413221
6
Our Leadership Team
Founded in 1996 by Steve Jacobson, and named by a childhood best friend, colleague and forever member of the Fairway family, Randy Cross, Fairway Independent Mortgage Corporation is a mortgage lender headquartered in Madison, Wisconsin and Carrollton, Texas. At Fairway, customer service is a way of life. Fairway is dedicated to finding great rates for customers and also offers some of the fastest turn times in the industry. The goal is to act as a trusted advisor, providing highly personalized service and helping through every step of the loan process. It’s all designed to exceed expectations, guarantee satisfaction and earn trust.
Steve Jacobson, Founder and Chief Executive Officer
Paul Walnick, President, Mortgage Originations
Len Krupinski, Chief Operating Officer
Sarah Middleton, Executive Vice President, National Production & Marketing
Todd Gavinski, Chief Financial Officer
Tom Dixon, Executive Vice President, Operations
Scott Fletcher, Executive Vice President, Underwriting & Credit Policy
Paola Kielblock, Executive Vice President, Retail Products
Bob Orkis, Chief Information Officer
Julie Fry, Executive Vice President, Human Resources
Eric Brown, Executive Vice President, Business Development
Michael Blake, Executive Vice President, Secondary Marketing
Sally Stoffels, Executive Vice President, Recruiting
Elizabeth Steinhaus, Chief Legal Officer
Joy Knoch, Senior Vice President, Branch Support
Teresa Cornell, Senior Vice President, Learning & Organizational Development
Joe Wilson, Vice President Advanced Technology
Ron Kluk, IT Business Analyst
Check out what some of our team members have to say about us: https://vimeo.com/120413221 Our leadership team combines well over 150 years in the mortgage industry. Learn more about our team: http://www.fairwayindependentmc.com/AboutUs/OurLeadership.aspx
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Marketing
Marketing Transition SupportWe understand how crucial timing is to your business when transitioning to Fairway. Our Support Team will help get you up and running fast by ordering your business cards and sending move announcements.
Custom Marketing CollateralOur Design Team creates free custom marketing materials to fit your specific needs. Plus, our designers work directly with the Products and Legal Departments to ensure all collateral is compliant and within brand standards.
Loan Officer & Branch WebsitesAll Fairway Loan Officers and Branches receive a free website created and maintained by the Web Team with an online loan application linked to Encompass.
Social Media Our Communications Team will help you transition your social media pages to Fairway ensuring you are in compliance. Not already using social media? They will also train you on how to set up your pages and manage them.
Event PlanningOur professional Events Team not only plans the Annual Meeting, Managers Meeting and Fairway Sales Summit, they are also here to serve you – The Street! Whether you are planning a small luncheon or a multi-day conference, they can handle the details from start to finish making your next event a hit!
Company Store & Tradeshow Program Increase brand awareness by purchasing promotional items and closing gifts from our Company Store. Plus, you can even purchase Fairway-branded trade show items for your next big event.
Our full, in-house Marketing Department consistently serves “The Street” by offering a one-stop shop for ALL marketing that is efficient, creative and always evolving. The department includes design, communications, events and support team members to assist with each and every request.
Copyright©2015 Fairway Independent Mortgage Corporation. NMLS#2289. Distribution to general public is prohibited. This is not considered an advertisement as defined by 12 CFR 226.2(a)(2). All rights reserved. [Insert State required declaimer]
1. National Strength with Hometown ServiceLicensed in 49 states, Fairway is one of the largest mortgage lenders in the country; however, we meet with most of our clients in person AND attend the majority of closings.
2. Underwriting Turn TimesWith more than 75 Underwriters on staff, we offer some of the fastest turn times in the industry.
3. Early Delivery of Closing Documents & Loan Funds Our Closing Department is committed to consistently providing early delivery of closing documents and loan funds.
4. Extensive ProductsAt Fairway, we continuously add cutting-edge products to ensure our customers have the best options to fit their needs.
5. Commitment to Building Business
We believe in the power of strategic business relationships. Give us the opportunity to show you the tools Fairway has in place to assist Builders with qualifying and capturing borrowers, joint marketing and client retention.
TOP 5 Builder Advantages of Working with Fairway Independent Mortgage Corporation
Susie SampleLoan OfficerNMLS #123456
Direct: 999.999.9999 Cell: 888.888.8888FairwayMyWay@Fairwaymc.comwww.FairwayIndependentmc.com 6652 Pinecrest Drive, Suite 200Plano, TX 75024
WE can SUCCEED - Contact me to learn more!
TIRED of RENTING?
You WIN financially in the end.
• Tax deductions including all mortgage interest* • The chance for appreciation• A portion of your payment goes toward principal • Payment eventually ends
Benefits of home ownership:
SERVICE AT YOUR FINGERTIPS
Enjoy the benefits of home ownership
Are you thinking of buying a home, but not sure where to begin?
Fairway Independent Mortgage Corporation is here to help you every step of the way.
We offer smart home financing options with flexible features that help make the transition to home ownership easy. Our programs for first-time homebuyers include:
With local professionals to guide you through the process, Fairway can provide home financing options that fit your needs.
For more information about first-time homebuyer programs, contact:
First LastLoan OfficerNMLS #123456
Direct: 999.999.9999 Cell: 888.888.8888FairwayMyWay@Fairwaymc.comwww.FairwayIndependentmc.com 6652 Pinecrest Drive, Suite 200Plano, TX 75024
• The ability to use gifts, grants and cash on hand for closing costs*
• Fixed- and adjustable-rate loan options
• Low down payment options
• Income from boarders accepted†
• Increased debt-to-income ratios§
Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations should apply. Equal Housing Lender.
8
Fairway My Way Fairway My Way is a free marketing portal available exclusively to Fairway team members. With dozens of customizable flyers, emails and automated campaigns to choose from, you can grow your business while using your own personalized marketing strategy.
Choose from a wide variety of customizable collateral options including:
Announcement Collateral HBM Materials Greeting Card
Brochures Postcards Signage
Business Cards Presentations Social Media Images
Co-branded Collateral Recruiting Collateral Stationery
Emails Flyers
Automated Email & Direct Mail Marketing CampaignsFairway My Way offers several direct mail campaigns and FREE email campaigns to help you stay top of mind with prospects, past clients and business referral sources.
Business Campaigns Customer Campaigns
• Business Drip Campaign • Newly Closed Loan Campaigns
• Bi-weekly eNewsletter • Quarterly eNewsletter
• Referral Postcard Series • Referral Postcard Series
• Holiday & Birthday eCampaigns • Holiday & Birthday eCampaigns
Marketing SupportNeed assistance with your marketing efforts? Contact the Marketing Support Team for one-on-one help or attend one of the weekly Fairway My Way training webinars.
Marketing
9
Home Buyers Marketing
Home ScoutingThis free mobile app provides 100% of the available listings from every real estate company with accurate, up-to-date information. Using your personal VIP code, clients will download a version of the app to search homes for sale customized with your information!
Loan Officer Benefits:
- Immediate and daily reporting of buyer’s home search activity - so you know who to call and when
- You are advertised to your customers on every screen
- Customers can contact you directly from the app
Customer Value:
- 100% of the MLS listings
- Accurate and up-to-date information
- Their contact information is private and will not be provided or sold
- GPS enabled searches
- School district boundaries & locations
- Bird’s eye view
Click here to learn why you should claim your app share
with Home Scouting!
HBM’s proven business model averages 1 - 3 NEW loans per month while helping retain past and current clients for future business. Their consumer-facing technology, including the Home Scouting® mobile app and Sold Home Alert® Nosey Neighbor campaign, helps prevent your customers from going to the competition.
HOME is where the SMART isIntroducing the Home Scouting® Mobile App available for your complete house hunting experience.
• Find homes nearby – GPS enabled
• Most accurate and up-to-date data available
• View complete property details right from the curb
• Save and track your favorites – We will tell you if theprice drops or the property was sold
• Easily search for homes based on school boundaries
• Receive new listing Quick Alerts®
• One tap access to the highest quality serviceyou deserve
How to Get the Home Scouting® App1. Go to your app store
2. Search for ‘Home Scouting’
3. Download the app
4. Enter my VIP code:
5. Create your account and start searchingGet it on
a Real Estate Service of HBM 2, Inc.
The Home Scouting Report® (HSR) is a free home finding service provided directly to you as a homebuyer by HBM2, a li-censed real estate brokerage services company. The Loan Officer’s role is to assist in determining a comfortable home price range for HBM2 to use when it is searching for property listings within your search criteria. The Loan Officer is nei-ther an employee of HBM2, nor the provider of the HSR. The Real Estate Agent and HBM2 are cooperating, licensed real estate professionals. The Cooperating Real Estate Agent is neither an agent nor a broker for HBM2, but works coopera-tively with HBM2 to assist buyers in their home buying efforts. © 2016 Home Buyers Marketing II, Inc. (HBM2) TX License Number .
12345
time to start digging for your next home
The Home Scouting Report® (HSR) is a free home finding service provided directly to you as a homebuyer by HBM2, a licensed real estate brokerage services company. The Loan Officer’s role is to assist in determining a comfortable home price range for HBM2 to use when it is searching for property listings within your search criteria. The Loan Officer is neither an employee of HBM2, nor the provider of the HSR. The Real Estate Agent and HBM2 are cooperating, licensed real estate professionals. The Cooperating Real Estate Agent is neither an agent nor a broker for HBM2, but works cooperatively with HBM2 to assist buyers in their home buying efforts. ©2015 Home Buyers Marketing II, Inc. (HBM2) Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. Copyright©2015. All rights reserved.
Home Scouting® Mobile App> Find homes nearby – GPS enabled
> Most accurate and up-to-date data available
> View complete property details right from the curb
> Save and track your favorites – We will tell you if the pricedrops or the property was sold
> Easily search for homes based on school boundaries
> Receive new listing Quick Alerts®
> One tap access to the highest quality service you deserve
How to Get the Home Scouting® App1. Go to your app store
2. Search for ‘Home Scouting®’
3. Download the app
4. Enter my VIP code: XXX-XXX-XXXX
5. Create your account and start searching
Get it on
big digs require big yards.find yours with home scouting.®
A Real Estate Service of Home Buyers Marketing II, Inc.
#Personalization_Name##USER_TITLE#
#NMLS_ID# #LICENSE_NUMBER#
#USER_ADDRESS1##CITY#, #STATE# #ZIP#
#USER_PHONE##E_MAIL#
#WEB_ADDRESS#
#Personalization_Name##USER_TITLE#
#NMLS_ID# #LICENSE_NUMBER#
#USER_ADDRESS1##CITY#, #STATE# #ZIP#
#USER_PHONE##E_MAIL#
#WEB_ADDRESS#
See 100% of Area Listings
Get the Home Scouting® App Today!
Get it on
Get it on
This App Features
Find homes near your location
100% of area listings available
Save favorite properties
Post favorites to Facebook and share them with friends & family
View complete property details right from the curb
I’m online with you™…. one tap access to the highest quality service you deserve
How to Get the App
10:00AM 10:00AM10:00AM
MLS
Find Homes Near Me
Search for Properties
My Favorites
My Saved Searches
New Users:
1. Go to your app store
2. Search for ‘Home Scouting’
3. Download the app
4. Enter my VIP code:
5. Create your private accountand start shopping!
First Last NameTitleCompany#1234567
123 Main StreetAnytown USA
Cell: XXX-XXX-XXXXOffice: [email protected]
For Existing HomeScouting.com users:
1. Follow steps 1 - 3 at left
2. Enter your Home Scoutinguser ID and Password
3. Your current home searchsettings will transfer tothe App! Enjoy!
The Home Scouting Report® (HSR) is a free home finding service provided directly to consumers by Home Buyers Marketing II, Inc., a licensed real estate brokerage services company. The Preferred Loan Officer’s role is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. to use when it is searching for property listings within the buyer’s search criteria. The Preferred Loan Officer is neither an employee of HBM II, nor the provider of the Home Scouting Report®. The Cooperating Real Estate Agent and Home Buyers Marketing II, Inc. (HBM Il) are cooperating, licensed real estate professionals. The Cooperating Real Estate Agent is neither an agent nor a broker for HBM II, but works cooperatively with HBM II to assist buyers in their home buying efforts. © 2013 Home Buyers Marketing II, Inc.
Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718. Copyright©2014. All rights reserved.
XXXXXXXXXXXXXXXX
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Home Buyers Marketing
Sold Home AlertEveryone’s nosey about what is selling in their neighborhood! This interactive email includes information about homes that have recently sold in or near a customer’s neighborhood. It also provides the sold price, days on market, photos and more.
Loan Officer Benefits:
- No personal labor required
- Unlimited customer enrollment
- Auto-upload your entire past client database
- You are advertised on every screen your customers view
- Prompts refinancing questions and new business opportunities
Customer Value:
- Delivered every 30 days with 24/7 web access to sold homes and listings for sale
- Helps determine the value of their home or refinance opportunity
- Learn the market and have more confidence when making an offer
HBM on Fairway My WayThe Fairway Marketing Team provides an extensive library of collateral for marketing the Home Scouting and Sold Home Alert to your customers. You can send emails, download flyers, share images on social media or send direct mail postcards to your contacts and customers straight from our marketing portal.
Click here to check out some of the Sold Home Alert features.
REGISTRATION IS FREE DON’T UNDER ESTIMATE THE VALUE OF YOUR HOME®
Sold Home Alert® is a monthly email & 24/7 web access to sold home prices. As a homeowner, you
can better determine the value of your home by watching what’s selling in your neighborhood.
If you are buying, selling, refinancing or just curious, then the Sold Home Alert is for you.
Contact me today for more information!
#Personalization_Name##USER_TITLE##NMLS_ID# #LICENSE_NUMBER#
#USER_ADDRESS1##CITY#, #STATE# #ZIP##USER_PHONE##E_MAIL# #WEB_ADDRESS#
The Home Scouting Report® (HSR) and Sold Home Alert® (SHA) are free home finding services provided directly to you as a homebuyer by HBM2, a licensed real estate brokerage services company. The Loan Officer’s role is to assist in determining a comfortable home price range for HBM2 to use when it is searching for property listings within your search criteria. The Loan Officer is neither an employee of HBM2, nor the provider of the HSR or SHA. ©2015 Home Buyers Marketing II, Inc. (HBM2) © 2015 Fairway Independent Mortgage Corporation NMLS ID#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved.. Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. Copyright©2015. All rights reserved. D408
DETERMINE YOUR HOME’S CURRENT VALUE FOR FREE
Sold Home Alert® is a monthly email & 24/7 web access to sold home prices. As a homeowner, you
can better determine the value of your home by watching what’s selling in your neighborhood.
If you are buying, selling, refinancing or just curious, then the Sold Home Alert is for you.
Contact me today for more information!
BE IN THE KNOW...
...OR JUST BE NOSY.
FREE monthly report of the homes sold in your neighborhood.
#Personalization_Name##USER_TITLE##NMLS_ID# #LICENSE_NUMBER#
#USER_ADDRESS1##CITY#, #STATE# #ZIP##USER_PHONE##E_MAIL# #WEB_ADDRESS#
The Home Scouting Report® (HSR) and Sold Home Alert® (SHA) are free home finding services provided directly to you as a homebuyer by HBM2, a licensed real estate brokerage services company. The Loan Officer’s role is to assist in determining a comfortable home price range for HBM2 to use when it is searching for property listings within your search criteria. The Loan Officer is neither an employee of HBM2, nor the provider of the HSR or SHA. ©2015 Home Buyers Marketing II, Inc. (HBM2). 2015 Fairway Independent Mortgage Corporation NMLS ID#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved.. Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. Copyright©2015. All rights reserved. D408
11
Learning & Development
At Fairway, you and your staff will experience one-on-one hands on attention by industry experts. With our NEW Fairway University, your training can be completed anytime and anywhere!
You will not only be immersed into our company culture, you will experience a FUN, engaging work environment like no other.
- 120 day on-boarding plan with training and business mentors (Partnership for Success!)
- On-site Trainers (WE will come to YOU!)
- On-demand training videos (Clear, concise, targeted resources available on YOUR time!)
- Live Webinars (Questions answered immediately!)
- Monthly processing boot camps (process like a PRO!)
- Branch Manager Training Program
- AskTraining.com – team of trainers at your service to help you through files
You will be fully equipped with the tools and knowledge you need to be successful. Fairway’s training platform allows you to focus on building your business, while learning our systems and the “Fair Way”. Our service delivery model is to partner with you to input files quicker and cleaner for faster approvals and closing.
“ Fairway’s philosophy of ‘Excellent Service’ is as true for their branches as it is for their customers. We are so fortunate to have a group of extremely dedicated individuals supporting us every step of the way. Dedication is a way of life at FAIRWAY.”-Ruth Hudspeth & Bill Reynolds, Winston Salem, NC
No Limits to Learning!
12
Branch Support
“ Branch Support is like the lifesaver ring on a boat when you need help. When you need help, someone from Branch Support throws out the ’lifesaver/lifeline’ really, really fast because they know you need help and want assistance now. Fast, effective and useful day-to-day help for the Loan Officer.”-Ken Pederson, Branch Manager, Lancaster, PA
We are a unique, one-of-a-kind support department that you will only find at Fairway. We support the entire network in a quick, efficient and friendly manner with any and all types of questions. We work closely with our branch managers, sales force and processing teams to aid in continual success and growth of our growing Fairway Family.
1. We guarantee a confirmation email that we have received your request within three minutes. This is a personal email that lets you know we are working on your question and will have a final answer for you shortly. We resolve 80% of email requests within 10 minutes, while the other 20% of requests are more department-specific and are directed seamlessly to the appropriate team.
2. We are staffed 12 hours a day Monday through Friday, plus an additional 10 hours on Saturdays.
3. Our team consists of industry experts with over 10 years of mortgage experience ranging from processing to mortgage broker owner.
Transition Processing TeamWe are your hands on, boots on the ground, Processing Team that works with new branches for the first 60 days. We ensure your loans continue to close on time during your team’s transition period, which allows your processing staff to be properly trained during your transition. We assist with getting your files entered into Encompass all the way through to funding, and we work with each branch based on their individual needs.
13
Operations
ProductsFairway Independent Mortgage Corporation is a Direct Seller/Servicer to all Agencies!
- FNMA Seller Servicer
- FHLMC Seller Servicer
- GNMA Seller Servicer
Fairway offers a wide variety of products!
- FHA
- VA
- USDA
- Jumbo Financing for all occupancy types and transaction types
- FNMA
- FHLMC
- Bond Program Offerings
What makes us unique?
- Delegation for all Product Offerings which include: Government, Conventional and Jumbo Products
- The ability to partner with Specialty Lenders to offer products not available through normal agency product offerings
- Our Product Support Specialist Team that will respond in one hour or less
- Our Development Team dedicated to support NEW Product Requests from “The Street”
- Our Construction Team specializing in Renovation and Construction Product Offerings
- Our Product Training Team providing continued training for existing/new products and assisting our branches through the onboarding process
- Our Broker Team providing flexibility for non-retail loan programs
- Our Bond and Housing Team that supports over 45 State Housing Agency Programs
- Our Strategic Product Sales Specialist supporting the branches in their local market
Because mortgage loans are uniquely individual, we offer a wide range of residential loan programs tailored to fit your specific needs.
14
Operations
ServicingPremium, Private Label SERVICING Platform
- Easy to use website and phone app
Concierge Customer Relations Team
- Welcome calls on every new loan
- Automated notifications when loan is sold
Underwriting - Experienced team consisting of more than
90 Underwriters
• Conventional
• FHA
• VA
• USDA
• Jumbo
- Condo Desk
- Scenario Desk
- 48-hour turn times, on average
Lock Desk & Secondary MarketingThe Secondary Marketing and Lock Desk Teams are comprised of seasoned capital markets and pricing specialists. The Lock Desk Team is available by phone or via email to address all pricing/lock-related questions involving new locks, relocks, renegotiations and extensions.
- Overnight rate lock protection
- Dedicated, toll-free number to address time-sensitive matters
“ Fairway’s commitment to extraordinary customer service to their employees and our clients is unparalleled. Fairway is a TEAM in every sense of the word.”- Eric McMillan, Branch Manager,
Indianapolis, IN
15
HR & Benefits
At Fairway, your dedicated Human Resources Team is your partner every step of the way. Your employment experience is our #1 PRIORITY! We ensure our team members’ best interests are at hand, cultivating the Fairway core values, supporting career and development aspirations, and always listening to our team members for continuous satisfaction. Fairway’s HR Team is here to SERVE!
Health Insurance
Full-time team members have access to comprehensive medical, dental and vision plans effective on the first of the month following or coinciding with 30 days of employment. Fairway understands that everyone has different medical needs and concerns, which is why we offer four different health plans; two traditional copay plans and two high-deductible/HSA plans.
401K Retirement Plan
Fairway team members are encouraged to participate in our 401(k) Retirement Plan through Fidelity Investments. Both traditional (pre-tax) and Roth (after-tax) contributions are allowed, and employer matching contributions are also provided. Rollovers from other 401(k) plans are welcome. All team members, including part-time (employees), are eligible for participation on the first of the month following or coinciding with 30 days of employment.
Life / AD&D Insurance
Full-time team members receive a $10,000 employer-paid life/AD&D policy. There is no cost to the team member for this benefit. Supplemental voluntary coverage is also available for the team member, spouse/domestic partner and children for an additional out-of-pocket expense.
Supplemental Benefits
Fairway team members also have the option of electing voluntary, employee-paid supplemental benefits, including short-term and long-term disability products, critical illness and accidental injury programs.
Flexible Spending Account
Fairway team members can participate in qualified Flexible Spending Accounts (FSA). These plans allow you to pay for out-of-pocket medical/dental/vision, daycare and transportation expenses with pre-tax dollars.
Team Member Relief Program
We understand that some of us face trying times, which is why Fairway offers assistance to team members with financial concerns due to unforeseen events.
Payroll
Fairway has a biweekly payroll calendar, and commissions are paid on each payroll throughout the year. Commission payments are made in a very timely manner following the loan funding date.
Employee Stock Ownership Plan
Fairway has an Employee Stock Ownership Plan (ESOP) that allows employees to not only accumulate additional retirement savings, but also have ownership in the company. The ESOP is company-funded, and eligibility is based on several different factors.
Learn more about our company ESOP: https://vimeo.com/156335405
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HR & Benefits
Discount ProgramsFairway constantly strives to add more benefits for our team. Currently, Fairway team members have access to discounts through Enterprise, National, Dell, ASPCA, Hyatt Hotels, AT&T, Sprint, T-Mobile and more!
Giving Back by Serving Those Who Serve“Giving back” to wounded heroes through payroll deduction is encouraged, because it is through the generous donations of Fairway employees, that Fairway branches nationwide have been able to fund dozens of local initiatives helping hometown heroes when they come home from war.
WellnessFairway encourages and supports team Wellness initiatives. Fairway offers 30 days of FREE healthy living supplement programs through Isagenix. Team members who feel better, do better.
Team Member CoachingFairway promotes lifetime learning by offering industry specific, professional coaching to originators at a discounted price.
Monthly Marketing Calls Special guests are invited to address staff on topics for continuous improvement as well as business building ideas. These are calls you will NOT want to miss!
Monthly Manager Calls Each month managers are able to dial in and hear the latest updates on “all things Fairway” and organizational initiatives. Communication is KEY to helping our team members succeed!
Weekly Friday Calls Fairway ends each week with organizational updates hosted by our CEO and President.
Learn more about our company ESOP: https://vimeo.com/156335405
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AWI & Education
Education is a big part of the American Warrior Initiative. Louise Thaxton, Director of the Military Mortgage Specialists, a designation exclusive to employees of Fairway, and Sean Parnell, New York Times best-selling author of the book, “Outlaw Platoon”, are the co-directors of the American Warrior Initiative.
For the past few years, Thaxton and Parnell have spoken to thousands of real estate professionals and hundreds of Fairway team members around the country at Certified Military Residential Specialist (CMRS) and Military Mortgage SpecialistTM (MMS) Boot Camps to bring awareness of the challenges facing our men and women in uniform upon their return home from war.
Certified Military Residential Specialist - CMRS
CMRS Boot Camps are hosted by local Fairway branches throughout the nation for real estate agents to not only receive continuing education credits, but also the certification of “Certified Military Residential Specialist”. The objective of the American Warrior Initiative in offering the CMRS Program is to provide a platform whereby real estate professionals are trained and equipped to handle the home purchase needs of active and former military clients with excellence.
Military Mortgage Specialist - MMS
Exclusive to Fairway Loan Originators, Processors, Closers, Loan Officer Assistants and Branch Managers, the Military Mortgage Specialist Designation thoroughly trains and equips our loan professionals to handle the home loan needs of active and former military clients with excellence.
AWI Accomplishments:
- Made company history by independently funding a mortgage-free home for a wounded hero in Atlanta
- Donated thousands of dollars in grants to wounded veterans ready to start their own businesses
- Provided service animals to help with Post-Traumatic Stress Disorder
- Donated funds for home upgrades and repairs
- Partnered with other non-profit organizations to fund a variety of give-back programs, including the sponsorship of 27 mortgage-free homes for veterans and their families
- In 2015, Fairway team members donated almost $300,000 to the American Warrior Initiative.
TM
RESIDENTIAL SPECIALIS
T
Check out some highlights of our team giving back to our wounded heroes across the nation: http://bit.ly/1R4ES2D
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Notes
Copyright©2016. Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718. All rights reserved.
For more information about Fairway Independent Mortgage Corporation, please visit www.FairwayIndependentmc.com.
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