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Iowa Mortgage Association
2020 IMA FALL LIVEa virtual event • october 12-16, 2020
Monday, Oct. 123:00 – 4:30 p.m. IMA Opening Event & Happy Hour Join us for the opening of our virtual event. We’ll kick off the IMA fall virtual event with the awarding of the Presidents Club Awards/Winners Circle Awards. We’ll hear a bit from speaker Alex Weber, who you will hear later this week and also a few tips to get your weekend started.
Tuesday, Oct. 13 9:00 – 10:00 am Growth Over GoalsJordan Montgomery, Tiffi n, IowaHow often do you obsess over your goals? Popular culture encourages us to set big goals and to strive to reach them. We set benchmarks and thresholds and go to work focused entirely on reaching these markers of success - less interested on how we get there and instead only con-centrating on reaching the fi nish line. However, this linear attention on goals often hinders true growth in the areas that matter most. Discover four main areas of growth you can work on to not only reach your goals but also to improve your life.
Wednesday, Oct. 14 9:00 – 10:00 am. Messaging that Moves: Effective Strategies for Persuasive WritingGreta Perel, Ph.D., Greta Perel, LLCGetting your message across is now more important than ever. How can I persuade and motivate others through my messages? What are some ways that I can quickly make my writing more effective? Persuasive messaging means using short paragraphs, short sentences and short words. Learn why some struggle with persuasive writing and methods to write messages that effectively convey your views.
Thursday, Oct. 15 9:00 – 10:00 am Compliance UpdateRonette Schlatter, Iowa Bankers Association, Johnston With an economy in turmoil because of the pandemic, there is always something on the horizon with mortgage compliance. IBA’s mortgage compliance expert, Ronette Schlatter, shares what you need to be thinking about in now and for 2021.
Friday, Oct. 169:00 – 10:00 am Failing Forward to SuccessAlex WeberCompeting on NBC’s Emmy-nominated American Ninja Warrior, the World Championships of Lacrosse, and setting a fi rst-ever World Record, Alex knows what it means to face fears, embrace challenges, and overcome failures with passion, commitment, focus, and perseverance. More so, Alex knows how you can use failures to propel forward and hit your goals. In this powerful, passionate, and hilarious keynote, Alex shares his blueprint method, tangible tools, and actionable strategies for facing your fears, overcoming your challenges, and embracing failing forward to achieve your success.
Congratulations to the members of the Iowa Mortgage Association President’s Club and Winners Circle for outstanding production for 2019. President’s Club Name Company City Dollar Amount No. of Loans Felisha Junge Green State Credit Union Cedar Rapids, IA 52402 128,753,270 657 Pete Johnson Green State Credit Union Iowa City, IA 52240 119,906,987 484 Mike Ward Green State Credit Union West Des Moines, IA 50266 115,742,638 440 Scott Langenberg Green State Credit Union West Des Moines, IA 50266 85,317,803 335 Patrick St. John Green State Credit Union Waukee, IA 50263 81,443,723 275 Matt Frascht Green State Credit Union Coralville, IA 52241 81,300,278 355 Eric Baumgarth Green State Credit Union North Liberty, IA 52317 80,278,858 300 Angela Timp Green State Credit Union Waukee, IA 50263 79,549,403 312 Laura Laxy Deere Employees Credit Union Moline, IL 61265 77,402,929 341 Tami McGary Green State Credit Union North Liberty, IA 52317 70,229,705 285 Chris Spillum Green State Credit Union Davenport, IA 52807 68,242,608 330 Kyle Langenberg Green State Credit Union Cedar Falls, IA 50613 67,302,581 349 Jessica Greving Residential Mortgage Network, Inc. Coralville, IA 52241 66,074,140 343 Kurt Backes Green State Credit Union Ankeny, IA 50023 65,986,635 260 Bill Tye Green State Credit Union Cedar Falls, IA 50613 63,493,762 266 Nick Watson Green State Credit Union Hiawatha, IA 52233 60,893,588 313 Yvonne Silvers Bankers Trust Company Ankeny, IA 50023 60,245,039 235 Jake Dawson Deere Employees Credit Union Moline, IL 61265 59,906,859 276 Brad Maras Green State Credit Union Cedar Rapids, IA 52404 59,1704,91 281 Amy Smith Green State Credit Union West Des Moines, IA 50266 58,715,843 270 Jason Spengler Green State Credit Union Marion, IA 52302 54,302,898 269 Sean Pottratz Green State Credit Union Iowa City, IA 52240 54,182,475 252 Lori Honermann Veridian Credit Union Waverly, IA 50677 53,530,719 383 Tyler Brockman Deere Employees Credit Union Moline, IL 61265 51,327,851 241 Scott Horan Green State Credit Union Waterloo, IA 50701 50,118,256 290 Nathan G. Seyfer Green State Credit Union Ankeny, IA 50023 48,340,501 261 Jeff Nielsen Green State Credit Union Iowa City, IA 52246 47,811,930 198 Jon Wolken Veridian Credit Union Waukee, IA 50263 45,964,660 230 Jason Warren Northwest Bank Spencer, IA 51301 45,651,964 259 Joe McKenna MidWestOne Bank Dubuque, IA 52002 45,595,508 214 Amber Ernst New American Funding Bettendorf, IA 52722 45,000,000 253 Sara Marshall Green State Credit Union Davenport, IA 52807 43,529,438 239 John Moore Veridian Credit Union West Des Moines, IA 50265 43,516,762 224 John Cornish Key Mortgage Group Davenport, IA 52807 43,307,753 207 Jake Arends Veridian Credit Union West Des Moines, IA 50266 43,139,538 212 Dana Goshon Collins Community Credit Union Marion, IA 52302 42,642,580 238 Gary Ellwood Veridian Credit Union Ankeny, IA 50023 39,666,621 211 Drew Jacobi Green State Credit Union Bettendorf, IA 52722 38,995,880 172 Rick Bormann Deere Employees Credit Union Moline, IL 61265 38,879,701 177 Tom Nelson Veridian Credit Union West Des Moines, IA 50266 37,784,238 187 Stacey Koontz Veridian Credit Union Cedar Falls, IA 50613 37,212,863 242 Tom Axvig Collins Community Credit Union Cedar Rapids, IA 52402 36,607,477 187 Stacy Rissman Dupaco Community Credit Union Dubuque, IA 52002 36,191,155 245
Company City Dollar Amount No. of Loans Peoples Bank Clive, IA 50325 35,945,898 100 Premier Lending Alliance Johnston, IA 50131 35,518,239 167 Northwest Bank Spirit Lake, IA 51360 34,418,571 150 Collins Community Credit Union West Des Moines, IA 50266 33,998,321 107 HomeServices Lending West Des Moines, IA 50266 33,926,897 140 U.S. Bank Cedar Rapids, IA 52401 33,640,908 96 Veridian Credit Union Cedar Rapids, IA 52402 33,613,066 202 Veridian Credit Union Cedar Rapids, IA 52404 33,278,698 203 Collins Community Credit Union West Des Moines, IA 50266 33,158,602 156 HomeServices Lending Waukee IA 50263 33,038,650 148 HomeServices Lending West Des Moines, IA 50266 32,863,752 129 Veridian Credit Union Coralville, IA 52241 32,545,177 174 MidWestOne Bank Iowa City, IA 52240 32,339,858 128 American National Bank Council Bluffs, IA 51503 32,210,531 187 Green State Credit Union Grinnell, IA 50112 32,169,441 208 First National Bank of Nebraska Council Bluffs, IA 51501 32,049,277 177 Clear Lake Bank & Trust Clear Lake, IA 50428 31,886,856 256 Dupaco Community Credit Union Dubuque, IA 52002 31,778,350 201 Dupaco Community Credit Union Dubuque, IA 52002 31,232,600 202 Primebank Sioux City, IA 51106 30,900,113 167 Dupaco Community Credit Union Dubuque, IA 52002 30,514,950 193 Linn Area Credit Union Cedar Rapids, IA 52402 30,417,872 203 Central Bank Sioux City, IA 51101 30,306,181 133 Collins Community Credit Union Cedar Rapids, IA 52404 30,086,113 176 IH Mississippi Valley Credit Union Moline, IL 61265 29,930,689 178 Veridian Credit Union Cedar Falls, IA 50613 29,670,849 194 Green State Credit Union Bettendorf, IA 52722 28,995,820 146 Northwest Bank Sioux City, IA 51106 28,925,585 147 Dupaco Community Credit Union Dubuque, IA 52002 28,509,392 223 Premier Lending Alliance Johnston, IA 50131 28,370,637 169 Veridian Credit Union Johnston, IA 50131 28,239,381 146 Veridian Credit Union Ankeny, IA 50023 27,263,256 137 Dupaco Community Credit Union Dubuque, IA 52002 27,131,399 152 HomeServices Lending Ankeny, IA 50021 27,107,449 130 Greater Iowa Credit Union Ames, IA 50010 27,095,535 151 Lincoln Savings Bank Ankeny, IA 50023 27,011,601 125 Greater Iowa Credit Union Waukee, IA 50263 26,250,873 145 Veridian Credit Union Waterloo, IA 50701 26,236,045 195 Wells Fargo Bank Cedar Rapids, IA 52401 26,136,000 76 Collins Community Credit Union Cedar Rapids, IA 52402 25,984,338 119 Wells Fargo Bank West Des Moines, IA 50265 25,910,305 113 Veridian Credit Union Waterloo, IA 50701 25,821,388 191 Wells Fargo Bank Ames, IA 50010 25,731,194 135
VisionBank Ames, IA 50010 25,343,861 113 Dupaco Community Credit Union Dubuque, IA 52002 25,090,450 192 DuTrac Community Credit Union Davenport, IA 52807 25,076,977 142
President’s Club Name Jason R. Olson Brooke Hermann Angie Peterson Jason Kaiman Doug Buchholz James Erickson Keith Hartley Pete Halvorson Jason Beard Sean Watt James Bakkie Brett Kass Scott Schroeder Meggan Jensen Erin Black Nicki Montelongo Cheryl Kurtzleben Jeann Digman Lindsey Monigold April Mahr Tressa Pergande Nick Mundorf Chris Krueger Zach Stineman Chad Mansfield Angie Rael Rod Gerhardt Mark Roos Erin Douglass Mark Piper Kathy Demsky Karla Caffrey Krystal Frederick David Lewis Matthew Koehler Tracy Frette Loraine Riley Mirsada Ibradzic Karen Jahlas Tim Lamb Geri Henry Bob Borcherding Beau Christiansen Pam Nesbitt Laurie VonAh Julie Soucinek Jo Van Patten Northwest Bank Arnolds Park, IA 51331 24,942,691 117
President’s Club Name Company City Dollar Amount No. of Loans Cassandra Haller Bankers Trust Company Clive, IA 50325 24,235,936 91 Jeff Amman IH Mississippi Valley Credit Union Moline, IL 61265 24,191,713 154 Steve Schneider Lincoln Savings Bank Waterloo, IA 50701 24,092,987 123 Donnell Jones Veridian Credit Union Des Moines, IA 50309 24,030,382 142 Joe Hayhoe Communit Choice Credit Union Ankeny, iA 50021 23,922,251 129 Jennifer Coyle American National Bank Council Bluffs, IA 51503 23,811,778 123 Todd Darland Greater Iowa Credit Union West Des Moines, IA 50266 23,629,938 128 Cindy Mart Central Bank Spirit Lake, IA 51360 23,213,826 102 Cody Ritter Cedar Rapids Bank & Trust Cedar Rapids, IA 52402 23,191,670 102 Chris Hurley Dupaco Community Credit Union Dubuque, IA 52002 23,140,910 146 Rita Hilbert U.S. Bank Ankeny, IA 50023 23,099,382 113 Brian Klaas Northwest Bank West Des Moines, IA 50266 23,087,000 97 Jennifer Cook Great Southern Bank Newton, IA 22,808,059 120 Shelly Dixson Collins Community Credit Union Cedar Rapids, IA 52402 22,120,573 126 Shelly Ingersoll Collins Community Credit Union Cedar Falls, IA 50613 22,062,130 134 Lisa Sumner Vibrant Credit Union Moline, IL 61265 22,056,249 165 Devin Madsen Collins Community Credit Union North Liberty, IA 52317 22,054,944 108 Phyllis Fevold Bankers Trust Company Ames, IA 50010 21,971,903 81 Mindy Selix Bankers Trust Company Ankeny, IA 50023 21,919,030 59 Charlie Larson Central Bank Storm Lake, IA 50588 21,857,960 160 Ryan Venz First Citizens Bank Charles City, IA 51616 21,801,711 226 Tony McAvan Farm Credit Services of America De Witt, IA 52742 21,676,465 79 Sam Leahy DHI Mortgage Ankeny, IA 50023 21,615,256 101 Kelly Rush First Citizens Bank Mason City, IA 50401 21,315,700 203 Andrew Dean Wells Fargo Bank Clive, IA 50325 21,094,503 100 Christy Schnackel SENB Bank Bettendorf, IA 52722 20,832,000 111 Matt Julich Wells Fargo Bank Ankeny, IA 50021 20,758,194 85 Brett Flynn Vibrant Credit Union Moline, IL 61265 20,643,441 147 Sheila Strand Premier Lending Alliance Johnston, IA 50131 20,345,846 104 Mary Mackman Wells Fargo Bank Mason City, IA 50401 20,281,486 133 Sherry Herrick IH Mississippi Valley Credit Union Moline, IL 61265 20,277,890 155 Tammy Sauer MidWestOne Bank Oskaloosa, IA 52577 20,160,664 123 Ben Lanz Two Rivers Bank & Trust West Burlington, IA 52655 20,126,900 169 Dan Hillers First Federal Credit Union Cedar Rapids, IA 52404 20,093,279 128 Julie Thompson U.S. Bank West Des Moines, IA 50265 20,079,731 109 James Allision Vibrant Credit Union Moline, IL 61265 20,004,936 163 Dawn M. Braun First Citizens Bank Mason City, IA 50401 19,478,330 198 Casey Purcell Clear Lake Bank & Trust Mason City, IA 50401 18,287,969 162 Winners Circle Name Company City Dollar Amount No. of Loans Gary Keleher MidWestOne Bank Dubuque, IA 52001 19,919,576 64 Sue Hansen Wells Fargo Bank Ames, IA 50010 19,702,271 103 Susan Tinker Wells Fargo Bank Johnston, IA 50131 19,320,457 87 Becky Meyer Lincoln Savings Bank Clive, IA 50325 19,185,392 89 Kameron Stanfield Wells Fargo Bank Cedar Rapids, IA 52402 18,973,668 110
Winners Circle Name Company City Dollar Amount No. of Loans Louis Wickett Key Mortgage Group Davenport, IA 52807 18,972,500 90 Bobby Burgett Lincoln Savings Bank Ankeny, IA 50023 18,901,669 105 Travis Buerger HomeServices Lending Des Moines, IA 50310 18,695,298 103 Matthew Fender HomeServices Lending Ankeny, IA 50021 18,371,563 79 Katina Gass Collins Community Credit Union Clive, IA 50325 18,347,144 87 John Cook American Bank & Trust Davenport, IA 52807 18,328,847 99 Noelle Kneip Northwest Bank LeMars, IA 51031 18,061,764 88 Linda Frazier HomeServices Lending Des Moines, IA 50315 17,997,569 104 Devin Fitzgerald HomeServices Lending West Des Moines, IA 50266 17,849,379 73 Brad Smith Northwest Bank Sioux Center, IA 51250 17,290,559 84 Katie Wheeler Two Rivers Bank & Trust Des Moines, IA 50312 17,235,320 75 Dominic Black Lincoln Savings Bank Clive, IA 50325 17,221,463 84 Tim Wells Premier Lending Alliance Johnston, IA 50131 17,119,669 108 Brooke Viktor IH Mississippi Valley Credit Union Moline, IL 61265 16,997,320 104 Cody Wittmaak Wells Fargo Bank Clive, IA 50325 16,930,333 77 Brandon Nong Northwest Bank West Des Moines, IA 50266 16,805,802 53 Linda Meis Farmers State Bank Hiawatha, IA 52233 16,704,271 112 Brian Swanson Inlanta Mortgage West Des Moines, IA 50266 16,584,258 87 Todd Utter Central Bank West Des Moines, IA 50265 16,523,480 75 Steve Hermann South Story Bank & Trust Ames, IA 50010 16,421,505 62 Deborah Andersen Northwest Bank West Des Moines, IA 50266 16,303,808 59 Julie Schmidt Security National Bank Sioux City, IA 51101 16,216,951 68 Kim Clarey Primebank Le Mars, IA 51031 16,118,860 93 Kim Iiams Bankers Trust Company Ames, IA 50010 16,009,260 60 Lesley Gilmore Ascentra Credit Union Bettendorf, IA 52722 15,862,900 105 Joshua Woolheater Wells Fargo Bank Clive, IA 50325 15,678,919 69 Kim Downing-Manning Bankers Trust Company West Des Moines, IA 50266 15,559,842 48 Heidi Swenson Lincoln Savings Bank Clive, IA 50325 15,317,794 73 Tasia Bunker IH Mississippi Valley Credit Union Davenport, IA 52807 15,221,807 120 Jessy Williams Collins Community Credit Union Dubuque, IA 52002 15,145,291 86 Angie Van Otterloo Central Bank Sioux City, IA 51101 15,096,284 93 Ben Smith City State Bank Clive, IA 50325 15,014,057 67 Courtney Contreras Vibrant Credit Union Moline, IL 61265 14,539,126 111 Scott Brekke Great Southern Bank Sioux City, IA 51106 13,972,588 115 Ty Vandehaar Veridian Credit Union Oelwein, IA 50662 13,308,760 124 Peggy Umlauf Community 1st Credit Union Ottumwa, IA 52501 12,660,865 126 Briana Gaunt Community 1st Credit Union Grinnell, IA 50112 12,629,268 108
We were there when his parents bought their first home in 1957.
And when he bought his first home in 1979. And then when his daughter bought her first home in 2005. Our mission to help you build generations of homeowners continues.
And it goes without saying, but we’ll say it anyway: we continue to help you with your mission to reach more homebuyers and build your business.
Connect with first-time homebuyers through Readynest.comExplore new ways to reach out – share a calculator (our Buy Now vs. Wait is very popular) or get leads through our online borrower education program. You’ll find a variety of educational tools to help you connect.
Get growing with strategies from Loan Officer HubMarketing strategies to grow your real estate agent referral partnerships — we have all the loan officer tools you need to increase your business and close more loans.
And one more thing: how do you know you’re getting the right MI rate for your borrower unless you compare? If you aren’t quoting MGIC, you might be missing out.
Check out our competitive rates, available through our MiQ rate quote platform, your preferred loan origination system (LOS) or with MGIC’s API.
davidHORAKSales Manager515-240-7920 [email protected]
Contact me anytime for more information!
MGIC
mgic.com
TOLL FREE: 888-471-4631www.cbmsonline.com
[email protected] Serving all of Iowa
• Simplify Your Ordering Process
• No Contract
• Nationwide Low Pricing
• Industry Leading Technology& Security
Bene�ts of Working with CBMS
Credit Bureau Mortgage ServicesPO Box 388
Muscatine IA 52761
Proud to be a sponsor of the 2020 IMA Virtual Convention!
AND MUCH MORE!!!!!!!
Just a Fewof the
Solutions Available
FromCBMS!
• Iowa’s Home Equity and Re�nance Title Searches Provider
• Iowa Title Guaranty Provider
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• Full Nationwide Settlement/Closing Solutions
• Fully Scalable and Secure Online Ordering Platform
• Nationwide E-Filing
• Full suite of Credit Reports
Over 85 Years of Experience Serving
Iowa Mortgage Lenders!
The Top Single Source Solution's Provider
for Iowa'sMortgage Lenders!
Call
For a Demo!
STRENGTH & STABILITY YOU CAN COUNT ON
Caliber Home Loans, Inc., 3701 Regent Boulevard, Irving, TX 75063 (NMLS #15622). 1-800-401-6587. Copyright©2016. All Rights Reserved. Equal Housing Lender. For real estate and lending professionals only and not for distribution to consumers. This communication may contain information that is privileged, confidential, legally privileged, and/or exempt from disclosure under applicable law. Distribution to the general public is prohibited. (19869_CL_Ad)
When you choose to work with Caliber Home Loans, Inc., here’s what you can expect:■ Our experienced Management and Sales teams understand your needs and know how to address them.■ We offer a variety of delivery execution options, including Best Effort, Single Loan Mandatory, Direct Trade/AOT and Bulk.■ You’ll have access to a selection of Agency and Portfolio products that allow you to reach more borrowers.■ We retain Servicing on the majority of our purchased loans.■ Our intuitive website and originations system make it easy to work with Caliber.■ Our turn times consistently run better than industry averages.■ Our robust financial position means that you can trust Caliber to be a reliable, strong business partner.
VISIT US AT WWW.CALIBERCL.COM TO LEARN MORE.
PORTFOLIO LENDING
INNOVATION
UNDERWRITINGORIGINATION
Are you missing out on lending opportunities because you don’t have the resources, the expertise or the staff? Partner with the MI company that powers possibilities.
Arch MI’s financial strength, commitment to innovation and award-winning service can re-energize your business. Achieve expanded capacity, faster turnaround and a
better customer experience for clients.
Learn more at archmi.com/power
ARCH MORTGAGE INSURANCE COMPANY | 230 NORTH ELM STREET GREENSBORO NC 27401 | ARCHMI.COM
© 2020 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company and United Guaranty Residential Insurance Company. MCUS-B1305O-0820
855-525-6730 LenderClose.com
LenderClose is a technology-focused lending solution injecting speed and efficiency into the lending process, greatly enhancing the borrowing experience.
Based in Des Moines, Iowa, the rapidly-growing company is focused on equipping community lenders with innovative workflows and process automation.
Obsessive about the user experience, LenderClose continues to journey towards an exceptional borrower experience.
Schedule a live demo today at LenderClose.com
BBB+
FINANCIAL STRENGTH1
S&P
A PARTNER YOU CAN TRUST AND RELY ON
Mortgage Insurance provided by Essent Guaranty, Inc. © 2020 Essent Guaranty, Inc., All rights reserved. | Two Radnor Corporate Center, 100 Matsonford Road, Radnor, PA 19087 | essent.usEGI-6008.216 (08/20)
ESSENT | MI, That’s Smart.
1 To learn more about Moody’s Investors Service ratings, look for “Ratings Defi nitions” in the Ratings section at moodys.com. For more information about AM Best ratings, visit the Rating Methodologies section at ambest.com. For more information about S&P Global Ratings, visit the Understanding Credit Ratings in the Ratings section at spglobal.com.
2 The combined risk-to-capital ratio equals the net risk in force of Essent Guaranty, Inc. and Essent Guaranty of PA, Inc. divided by the combined statutory capital of these U.S. insurance companies.
Essent Guaranty, Inc. was founded in 2008 with the mission to bring a mortgage insurer with
strong capital, a clean balance sheet, exceptional customer service and robust claims-paying
ability to the mortgage industry.
Today, we are an industry leader and the mortgage insurance (MI) provider of choice for many
lenders, loan o� cers and underwriters.
Policies In Force733,651
PORTFOLIO
Insurance In Force$174.6B
TOTAL EMPLOYEES
389SALES FORCE
70+
HEADCOUNT
DEFAULTS
# Defaults EOP
38,068Default Rate
5.19%
GSE-APPROVED & PMIERS COMPLIANT
Financial Strength
• Our strong capital position and investment-grade ratings underscore the depth of our fi nancial strength and claims-paying resources.
SEAMLESS INTEGRATION WITH THE MOST WIDELY-USED LOAN ORIGINATION SYSTEMS
Publicly-Traded Holding Company (NYSE: ESNT)
NOW AND FOR YEARS TO COME.
Headquarters
Two Radnor Corporate Center100 Matsonford RoadRadnor, PA 19087
Operations Centers
101 South Stratford Road Winston-Salem, NC 27104
7700 Irvine Center DriveSuite 680Irvine, CA 92618
Contact Us
• Essent Group Ltd.
Bermuda-domiciled
holding company
• Essent Guaranty, Inc.
PA-domiciled mortgage
insurer
• Essent Reinsurance Ltd.
Bermuda-domiciled
reinsurer
Large and Growing Portfolio
• Our exceptional portfolio quality, focus on managing risk and dedication to being a strong and fair counterparty makes us well-positioned to serve the growing demand for private MI.
$3.6B11.7:1
CAPITAL
COMBINED STATUTORY CAPITAL
$2.5B
COMBINED RISK-TO-CAPITAL RATIO2
CONSOLIDATED GAAP EQUITY OFESSENT GROUP LTD.
Data and ratings are as of June 30, 2020.
A (Excellent)AM BEST
A3MOODY’S
Let’s partner!
We don’t cross-sell or solicit any financial products to your customers and we retain the servicing for FHA, FNMA, FHLMC, USDA, and VA loans sold to us.
For FHA and VA conforming financing, no credit score adjustment.
Conventional financing must have a minimum credit score of 620. FHA, USDA, and VA Conforming requires a credit score of 640.
No restriction on acres, except max acres for the state of Montana is 40 acres.
Multiple property ownership up to ten financed properties for FHLMC and FNMA
FNMA family opportunity program makes it easier for families to help each other without the expense assoicated with an investment property.
Manufactured homes can be financed using Conventional, FHA, USDA and VA financing
We can provide customized FHA, VA, USDA, and Manufactured Home trainings for your team.
Conventional financing - if a minimum $10,000 principal reduction is made, refinancing for a lower payment is not required. Guild will recast the loan at no charge
Personalized marketing tools to assist you in today’s market
Permitted to conduct business in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV & WY; Guild Mortgage Company is an Equal Housing Lender; AZ BK #0018883; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Georgia Residential Mortgage Licensee; GA #6268; Licensed by the Mississippi Department of Banking and Consumer Finance; NV Banker #1076 / NV Broker #1141; Licensed by the New Hampshire Banking Department; OR ML-176; Rhode Island Licensed Lender; State of Missouri Principal Location: 17280 North Outer 40, Ste. 101, Chesterfield, MO 63005; Company NMLS ID 3274; Branch NMLS ID 959528; https://www.nmlsconsumeraccess.org. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company 5887 Copley Drive San Diego, CA 92111; For more licensing information, please visit https://www.guildmortgage.com/licensing.
When you work with us, you’ll have an experienced partner who offers a wide array of specialized products and programs for every type of homebuyer. If that’s not reason enough, here are ten more:
1.
2.3.
7.
6.5.4.
8.
9.
10.
Guild is here to help
year!
YOU-CENTRIC SOLUTIONS THAT MATTER
It’s a
The sweepstakes theme changes regularly, so expect
some amazing prize options throughout the year! Gift cards include: Wayfair, Target, Amazon, DSW, Home Depot | Prize levels: $500, $250, $100, $50
Throughout 2020, each Genworth MI rate quote you run using Rate Express® or your eligible LOS will count as an entry for a chance to WIN one of our many prizes*. You must opt in to be eligible to participate.
At Genworth Mortgage Insurance, we’re a team focused on you. We listen, analyze, innovate, all for you. That’s why it’s a YOU year!
YOURate Quote Sweepstakes
We’re celebrating YOU in 2020 and we’ve got BIG things planned!
00993.0220 ©2020 Genworth Financial, Inc. All rights reserved.Genworth Mortgage Insurance underwriters include: Genworth Mortgage Insurance Corporation and Genworth Mortgage Insurance Corporation of North Carolina
Opt in now to make your rate quotes count in 2020! pages.genworth.com/you-year
WIN BIG all year long!
*Rate quotes generated from MI price comparison platforms including Optimal Blue®, Compass Analytics and Ellie Mae’s Total Quality Loan (TQL®) Program are ineligible. It is not necessary to order MI from Genworth to participate.
It’s a Official Rules
Offer valid only during specified promotional period. Program terms and conditions are subject to change without notice. Promotion is open to eligible employees of Genworth Mortgage Insurance master policyholders. Eligible participants who opt in for the promotion and obtain a rate quote using Genworth’s Rate Express or run a Genworth mortgage insurance rate quote on their organization’s designated Loan Origination System (LOS) are automatically entered in a random drawing for one of up to 95 monthly/bi-monthly gift cards valued at up to $500 each. Product Pricing Engines (PPEs) including Optimal Blue® and Compass Analytics, as well as Ellie Mae’s Total Quality Loan (TQL®) Program are excluded from the sweepstakes. Should your company begin using an MI price comparison platform like Optimal Blue, Compass Analytics or Ellie Mae’s TQL Program during the promotional period, quotes generated from those platforms will not be eligible for the It’s A YOU Year sweepstakes. Each new or repeated Scenario ID (rate quote) per eligible participant counts as an entry. Each new or repeated Scenario ID (rate quote) must contain an email address and Org ID to be eligible. Employee participation is subject to employer’s policy regarding promotions. Genworth Mortgage Insurance reserves the right to substitute an item of comparable value at its discretion.
It is not necessary to order MI from Genworth in order to participate. Entry occurs by merely obtaining a Genworth rate quote after mandatory opt-in to the sweepstakes has occurred. Additionally, eligible employees may send their name, company name, address and phone number on a postcard to: It’s A YOU Year Rate Quote Sweepstakes, Genworth Mortgage Insurance, 8325 Six Forks Road, Raleigh, NC 27615. Entries must be postmarked during the eligible time period and must be sent postage-paid — no metered mail accepted. You may opt out of the sweepstakes by visiting pages.genworth.com/its-a-you-year and selecting the opt-out link.
Up to 95 items valued up to $500 each will be awarded each month (or every other month) during the promotional period of February 25-December 31, 2020. No entrant may win more than once per month or exceed $599 of promotional wins. Odds of winning depend on the number of entries received. For a complete list of winners, send a written request with postage-paid return envelope to the entry address listed above. Void where prohibited by law.
Should you win after entering into this contest, you give Genworth Mortgage Insurance Corporation permission to use your name and company name for promotional purposes, including but not limited to public relations, marketing and designs.
Copyright 2020, Genworth Financial, Inc. Genworth Mortgage Insurance underwriters include: Genworth Mortgage Insurance Corporation and Genworth Mortgage Insurance Corporation of North Carolina.
00993.0220
