Embed Size (px)
Citation preview
RODRIGO SALAZAR | MORTGAGE BANKER
H O M E T O A B E T T E R M O R T G A G E E X P E R I E N C E
COMPASS MORTGAGE RECRUITING
RODRIGO SALAZAR | MORTGAGE BANKER
PRODUCTS
BETTER EQUIPPED
• Full arsenal of products & services• In-house underwriting and
processing• Over 30+ investors• Sell direct to Fannie Mae and
Freddie Mac• Licensed in 14 states
BETTER EQUIPPED
Conforming Options• Over 30 correspondent lenders available• High balance loans available• 87% financing available with PMI &
condos (first-time buyers only)• Specialty LPMI pricing exclusive to
Compass Mortgage• Direct lender to Fannie Mae & Freddie
Mac• DU Refi Plus and Freddie Open Access
Programs• Compass Mortgage warrants all condos
through internal condo department• Condo 51% CPM approval/PERS available• Purchases on properties owned 90 days
with unlimited increase in sales price with Fannie Mae
Second Mortgages• 80/10/10• Fixed & HELOC’s available• DPA – no payment 9% interest
Jumbo Options• Over 30 correspondent lenders available• Non-warrantable condos up to $1,000,000
correspondent• 90% LTV with no MI on SFR/condo to
$850,000• 80% LTV to $5,000,000• Foreign national programs• 50% DTI
BETTER EQUIPPED
Multiple Down Payment Assistance Programs
FHA• Loans down to 560 credit score• FHA streamline with no appraisal• In-house condo approvals• No minimum tradeline requirements
VA & USDA• 7 correspondent lenders available• VA IRRRLs available (streamline), no
appraisal• VA Jumbo• USDA purchase and refinances
Other Loan Products• Construction Loans & Lot Loans • Portfolio & Bridge Loans• FHA 203k/Fannie Mae HomeStyle
Renovation• Illinois Housing Development Authority –
Down Payment Assistance and MCC (optional)
• Portfolio Loans• Iowa Finance Authority• Illinois Assist with MCC (optional)• Texas MCC• One time construction loans• Streamline EZ Renovation Loan
RODRIGO SALAZAR | MORTGAGE BANKER
INVESTORS
WHO WE WORK WITH
360 Mortgage GroupAFR
Alliant Credit UnionAmerisBankAmerihomeAngel Oak
ARCAssociated Bank
ChaseCMG
DeephavenDitech
Fannie MaeFirstBank
First GuarantyFlagstarFortress
Franklin AmericanFreddie Mac
Freedom MortgageGalton
Home PointHuntington
IHDA MortgageIMPAC
Lakeview/BayviewLenderlive
Liberty Home Equity
The Money SourceMr. CooperNexBank
NorthpointePacific Union Financial
PennymacPlanet Home LendingPlaza Home Mortgage
RedwoodSprout Mortgage
Texas Capital BankUS Bank
Wells FargoAnd many more!
RODRIGO SALAZAR | MORTGAGE BANKER
APPLICATION COORDINATOR
MORE TIME FOR SELLING
• We want our loan officers available to sell, not process loans.• You are given an assistant for
every loan through an Application Coordinator.• Application Coordinators help
expedite time spent:• Compiling applications• Acquiring documentation• Submitting
More Time to Sell
More Time to HelpClients
Generate More Business
RODRIGO SALAZAR | MORTGAGE BANKER
TRANSPARENCY
YOU’RE IN THE KNOW
Access to Raw RatesIn-House Underwriting
In-House ProcessingIn-House Closing
Track-ability of Your LoansDirect Endorsed Underwriting
Direct Access to All Investor Pricing, Programs, and Guidelines
Company Intranet SiteRegular Meetings Directly with Senior
Vice President of SalesDirect Access to Senior Management
RODRIGO SALAZAR | MORTGAGE BANKER
DEVELOPMENT
WE ARE ALL GETTING BETTER
• There are specific things we do to ensure you are always reaching and exceeding your business goals.• Customized training on a regular
basis in the following areas:• Business planning• Referral source development• Social media• Referral source partnership• Sales development• Loan products• Marketing• Events
RODRIGO SALAZAR | MORTGAGE BANKER
MARKETING
THE TOOLS YOU NEED TO SUCCEED
Referral Source EventsWe believe in nurturing our relationships with our referral partners.
HomeScoutWe protect your clients and your referral partners’ clients from advertising on home search sites with an app that provides direct access to the MLS.
Focused EventsWe implement a focused marketing approach to our event planning. Our marketing team targets small groups of people in a loan officer’s database to extend learning or entertainment opportunities that cater to their interests.
Sold Home AlertWith an 89% open rate, this monthly email alerts recipients to recently sold home data in their area.
THE TOOLS YOU NEED TO SUCCEED
Automated MarketingWe have the tools and systems to get your full database into our automated systems.
Global/Customized MarketingYou can expect to have a full arsenal of streamlined materials at your disposal.
Co-Opted MarketingMarketing your way. We don’t all fit into a single mold. Compass Mortgage is here to help. We have a co-opting program to encourage customized marketing programs for you.
Pricing at Your FingertipsRaw rates are essential to doing your job well. With our system, you have direct access to all of our investors, helping you choose the best product for you and your client. We want to give you more control over the loan process.
Educating Our ClientsThe future of purchasing a home is here. The timeline is the same but there is much more importance on the education stage. At Compass, we value this stage and have staff dedicated to creating original blogs and white pages for your clients to learn and depend on for expertise.
PUTTING COMPASS ON THE MAP
Targeted AdMarketing on Social
Media30 second video ad of youPosted to Facebook and
InstagramTargeting homebuyers in
your area
”I’ve Moved” E-mails3-step email campaign sent
on your behalf to all contacts you have e-mail addresses for: ”I’ve Moved!,” ”Why I’ve Moved!,” and “Let’s Talk!”.
Postcard to All ContactsPostcard sent to all contacts you have a physical address
forCompass pays 100% of the print and shipping for this
postcard
RODRIGO SALAZAR | MORTGAGE BANKER
TECHNOLOGY
ENCOMPASS
Our origination system is a highly customized version of Encompass by Ellie Mae with a Loan Officer focused design, including:• Upfront consumer document request portal
• Online Application functionality, including Automated Bank Statement retrieval through AccountChek by FormFree ™
• Customized “Borrower Summary” dashboard with all 1003 Data & Mortgage Banking links consolidated in one working page
• Fully Automated Pricing Engine/ Optimal Blue ™ integrated with Encompass
• Remote laptop access for mobile applicationsBorrowers summary and call log/MB
conversation log
ENCOMPASS
Borrowers summary includes many shortcuts that provide one consolidated platform to order all services with combined application data, pricing and AUS.
CUSTOMER RELATIONSHIP MANAGEMENT
• Jungo CRM allows easy access to borrower details and helps organize priorities and opportunities.
• Marketing Integration available through Act-On Software based on drip campaigns and custom events.
• Today’s Tasks and Today’s Events keep your next steps in front of you each day, and Call Log tracks phone, e-mail, and other communications
RODRIGO SALAZAR | MORTGAGE BANKER
CULTURE
WHERE YOU WANT TO WORK
• The culture of Compass is unlike most mortgage companies.• We are here to get the work done
quickly, correctly and together.• Family-like atmosphere• Compass is a firm believer in the
well-balanced life. Our families come before all else.
RODRIGO SALAZAR | MORTGAGE BANKER
EMPLOYEE BENEFITS
WHERE YOU WANT TO WORK
Paid Vacation & Sick time• Full-time employees start with 2
weeks vacation time and earn up to 4 weeks, depending on tenure.• Employees also receive a
vacation day for their birthday.
Employee Perks• Mortgage program which
includes special rates for employees
EMPLOYEE BENEFITS
Health Insurance• 1 HMO & 2 PPO options from
Blue Cross Blue Shield• Compass makes financial
contributions toward either a Health Savings Plan or a Health Reimbursement Plan, ranging from $1,000 to $5,000
Life Insurance• Includes $25,000 gifted
insurance from Compass plus the option to purchase additional life insurance
401(k) Plans – Traditional & Roth
529 College Savings Plan
Additional Insurance Options• Long and short-term disability,
accident, cancer, critical illness and hospital indemnity
RODRIGO SALAZAR | MORTGAGE BANKER
L ICENSING
WHERE WE LEND
Arizona | California | Colorado | Florida | Georgia | Illinois | Indiana Iowa | Michigan | Minnesota | Ohio | Tennessee | Texas | Wisconsin
RODRIGO SALAZAR | MORTGAGE BANKER
APPRECIAT ION
PRESIDENT’S CLUB
Top Producers• We reward our top producers each
year with an all-expense paid trip.Past Trips Have Included:• San Diego• Cancun• Las Vegas• Florida Keys• Palm Springs• London• Hawaii
RODRIGO SALAZAR | MORTGAGE BANKER
SEAMLESS TRANSIT ION
TRANSITION | EXPERIENCE | GROWTH
You would only consider changing companies if you saw an opportunity to grow.• We have staff dedicated to
making your transition effortless.
Matt and Al are here to assist you in getting what you need from Compass Mortgage:• Oversee the onboarding process• Help you set up your business
plan and put it into action
Matt RayburnSVP of Sales
Al GelschusRegional VP of Sales
ONBOARDING TEAM
TERRY FUNG & VAN STAPLETONSales ManagersTerry and Van will be assisting you with getting set up in our loan origination software. They will ensure that you are ready with the loan origination and product knowledge you need to hit the ground running. Terry and Van will provide one-on-one guidance on the Compass Mortgage sales initiatives and will make sure your first transactions go smoothly. Terry and Van are your resources for loan products and loan origination scenarios, making sure no questions go unanswered.
ONBOARDING TEAM
BLAKE DEYOUNGDirector of MarketingWhen transitioning, your first priority is to ensure your past clients know you are at Compass Mortgage. Blake is here to work with you one on one to create a customized marketing plan that fits you and Compass Mortgage. Blake will get your database uploaded into our CRM’s to start marketing to them.
ONBOARDING TEAM
TERESA DRAWANTLead Origination TrainerTeresa is an integral part of the transition team for new-to-the-industry and transitioning loan officers. Teresa will greet you on your first day, present monthly knowledge and Compass system trainings, and provide ongoing support for your onboarding process.
ONBOARDING TEAM
JOCELYN FUNGTransition CoordinatorWith our 5-star concierge-level training techniques, Jocelyn assists in making your transition to Compass Mortgage as seamless as possible. In addition to the onboarding process, Jocelyn is your point of contact throughout your pre-hire process and ensures all resources are ready for your start date.
RODRIGO SALAZAR | MORTGAGE BANKER
WHAT ’S NEXT ?
THE NEXT STEP
We understand that the only reason you would ever even consider making any type of move is if it were better than what you currently
have. This is why we would like you to at least explore what Compass has to offer you.
Please feel free to contact us with any questions. We look forward to hearing from you.
www.growwith.compmort.com
HOME TO A BETTER MORTGAGE EXPERIENCE
© 2008-2016 Copyright Compass Mortgage · All Rights Reserved · All Logos & Trademarks Belongs To Compass Mortgage
© Compass Mortgage Inc. and www.compmort.com, 2016. Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Compass Mortgage Inc. and www.compmort.com
with appropriate and specific direction to the original content.
NMLS# 21808 - Illinois: MB:0005795, Arizona: 0909436 (dba Compass Mortgage Lending, Inc.), California: 4131332 (dba Compass Mortgage Lending, Inc.), Colorado: 21808 (dba Compass Mortgage Lending, Inc.), Florida: MLD308 (dba Compass Mortgage Lending, Inc.), Georgia: 38332, Indiana: 11020/11021, Iowa: MBK-2001-0104, Michigan: FL2845 / SR0013053, Tennessee:
135374, Texas: 21808, Wisconsin: 38296BA/21808BR; Minnesota: MN-MO-21808
Illinois Residential LicenseeLicensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
Home Scout and Sold Home Alert is provided directly to consumers by HBM2 a licensed real estate brokerage in all states. ©2017 Home Buyers Marketing II, Inc. (HBM2)
