Everything You Need to Know About TPO

Interested in learning more about our TPO program? Our latest video will tell you everything you need to know!

If you are responsible for mortgage lending at a bank or credit union and you are looking to offer more to your valued customers or members, Inlanta’s Third Party Origination Solutions may be the perfect program to help you originate more and worry less.

With an Inlanta Mortgage, Inc. partnership, your organization can enjoy the following benefits:

  1. Access to Conventional, FHA, VA, USDA, and Jumbo Loan products
  2. Your Credit Union originates the loan & maintains the relationship with the borrower throughout the process
  3. Inlanta Mortgage discloses, processes, underwrites, and arranges the closing
  4. Inlanta Mortgage compensates you under a fully RESPA compliant origination agreement

Contact our TPO Manager, Dave Stephan, directly at 262-754-6494, or email Dave at davidstephan@inlanta.com if you are interested in hearing more.

 

Inlanta’s Point of Differentiation

What is it about Inlanta?

“What I would say makes Inlanta different, as someone whose been in the industry a very long time with an entrepreneurial spirit, this company has fostered that, believes in it, and helps me grow. That’s what’s different.” – Yvette Clermont, top producer at Inlanta Mortgage, Inc.

In our latest video, our top producers discuss how we help them achieve their personal best as well as what makes Inlanta different from other companies in our industry.

If you’d like to hear more about career opportunities with Inlanta Mortgage, contact our SVP, Chad Gomoll, at 262-439-4260. You may also contact our RVP, Brian Jensen, at 630-927-0380 for opportunities in the Midwest, our RVP, David Williams, at 303-947-1960 for opportunities in Texas & Colorado, or, our Regional Production Manager, Kevin Laffey, at 913-645-4647 for opportunities in the KS, MO, and IA markets.

How Inlanta Offers the Tools You Need to Succeed

Success Starts Here

If you are considering joining our team as a Branch Manager or Loan Officer, we’d like to fill you in on the loan programs and tools we have available to help you achieve success.

Inlanta proudly offers professional, honest, production support services that are designed to help create growth for each branch. Trained professionals will help with every aspect of your business, from administrative support to compliance, processing, marketing, and IT. Inlanta also has its own Funding Department, which offers fast underwriting, closings, and funding. In addition, Inlanta has:

  • Fannie Mae & Freddie Mac agency approval
  • fully delegated FHA, USDA, 203k & VA authority
  • the latest LOS systems and image technology—an award-winning paperless technology
  • price engine offering multiple investors for best execution
  • state & federal licensing support—NMLS
  • full CRM database marketing software

 

What Products/Support Do You Offer?

Inlanta offers virtually every loan program available to help meet your clients’ needs based on their unique financial situation. Inlanta Mortgage is an agency approved lender for Freddie Mac, Fannie Mae, FHA/VA, FHA 203K, and USDA. Our underwriters are fully delegated to underwrite all FHA and VA loans for every investor. We also encourage and underwrite USDA loans and are fully integrated with GUS to help with faster approvals. To learn more about our loan programs, click here.

Vendor management and efficient technology are also readily available with Inlanta Mortgage. We watch your bottom line for you and work closely to provide best-in-service along with best-in-price.

  • Full-Service Lock Desk: Our lock desk is powered by industry-leading product and pricing engine, PriceMyLoan. We have a dedicated staff that watches the market closely and provides you with best lock executions. Industry Leading Market watch tools such as MBSQuoteline and Mortgage Market Guide are available at reduced cost for you.
  • Account Relationships: Top-of-the-line service is what we expect from the vendors with whom we do business. We know that expectation carries down to us as well. We start each day knowing that we need to provide our branches with top-of-the-line service and as a result, are always evaluating our partnerships to ensure we meet this objective.
  • Continued Sales Training: When you join Inlanta Mortgage, you start out with an in-depth orientation—but we don’t stop there. We provide conference calls on a regular basis when the changing market demands. In addition, we offer an annual meeting with national sales trainers and ongoing training opportunities.

 

What Are the Advantages of a Partnership with Inlanta Mortgage?

Inlanta handles compliance, audits, and/or regulatory items, processing, and funding, as well as the head administrative aspects so you can focus on generating business and closing loans. Inlanta will also help you make and save money as you generate and close loans and will not ask for any up-front fees.

 

I’m Interested. Who Should I Contact?

If you’d like to hear more about career opportunities with Inlanta Mortgage, contact our SVP, Chad Gomoll, at 262-439-4260. You may also contact our RVP, Brian Jensen, at 630-927-0380 for opportunities in the Midwest, our RVP, David Williams, at 303-947-1960 for opportunities in Texas & Colorado, or, our Regional Production Manager, Kevin Laffey, at 913-645-4647 for opportunities in the KS, MO, and IA markets.

 

 

Meet Team Inlanta! Part 2

 

If there’s one thing we know to be true it’s that, it’s the people, that truly makes Inlanta a great place to work! We love our team and appreciate all that they do for our organization, so this month, we want to highlight the stars of our organization.

 

Team HR: Our HR Pro’s have a long-standing commitment to ensure our employees are thriving personally and professionally! Thanks #TeamHR for all you do!

 

Team Marketing: Our marketing department’s creative & strategic focus help us stand out and grow as a company every day! Special thanks to this awesome team for all their hard work!

 

Team Post-Closing: Where would we be without our awesome Post-Closing team? Thanks for all that you do to help Inlanta achieve success!

 

Team Secondary Marketing: We want to recognize Inlanta’s Secondary Marketing team for always keeping us up to date on the latest industry news and rates. This team rocks!

 

Team Systems: This highly trained group are masters of their craft and our LOS experts! Thanks to our systems team for always making it happen!

 

Team TPO: This dynamic duo helps Inlanta build strong partnerships within our communities and ensures our TPO customers are top priority! We love Team TPO!

 

Team Production Services: We want to thank our amazing Appraisal/Production Services Team for all of the great work they do for us, our customers, and our community!

 

Want to join #TeamInlanta? Contact us today for opportunities in your area!  

Missed part 1 of our post? Click here to see more awesome team photos!

Meet Team Inlanta! Part 1

What makes Inlanta great? Simple. It’s the people! We love our team and appreciate all that they do for our organization, so this month, we want to highlight the stars of our organization.

 

Team Underwriting: Our Underwriting team’s unwavering dedication to successfully streamlining the application process for our customers, originators, and referral partners is key to our success.

 

Team CP: Meet our tight-knit Central Processing Team whose continued efforts help support our loan officers by providing top quality service to our customers! We know that outstanding processing makes a difference and it sure shows with this outstanding team!

 

Team Business Development: This team’s hard work and dedication to grow our company and share our mission has been a key part of our success and strong culture! Thank you to our Business Development team for all that they do!

 

Team Accounting: We want to highlight our amazing Accounting Department for their ongoing mission to provide superior service & support!

 

Team IT: We want to recognize this awesome group of individuals for keeping us on the cutting edge of technology in our industry and for helping our offices operate efficiently every day!

 

Team Compliance: Strong compliance support is a must in our industry and we wouldn’t be as strong as we are without this team!

 

Team Funding: We want to thank our dedicated Funding/Closing team for always going the extra mile for our customers to ensure complete confidence in their closings!

 

Stay tuned for our next blog post to meet even more of our awesome members of #TeamInlanta! 

 

Third Party Origination Solutions Q/A Part 1

You’ve got questions about our TPO program and we’ve got answers. Below are a few common inquiries we receive about our Third Party Origination Solutions program that we are happy to answer.

Q: What is TPO?

A: A third-party origination agreement with Inlanta Mortgage will allow your company to originate mortgage loans you might not currently offer. Participating TPO partners perform a defined set of settlement services then deliver the loan to Inlanta Mortgage’s experienced operations team for processing, underwriting, and funding. Inlanta pays a fee per loan funded.

Q: What products do you offer?

A: We offer Conforming, Jumbo, FHA, VA, USDA and state bond programs as allowable. We also offer renovation lending via Fannie Mae’s Homestyle and FHA 203K.

Q: Do you have a dedicated processing staff?

A: Inlanta offers best in class service to our partners. We do have a dedicated staff that will work with your Loan Officers to ensure the best experience for the customer.

Q: Do you offer marketing support?

A: Yes! We have a full Marketing department that will work with you on flyers and brochures that you can share with your customers/members and your referral partners.

Q: Are you affiliated with a bank?

A: No. Inlanta Mortgage is an award- winning independent mortgage banking firm. We are not associated with any banks, so your customers are safe from direct solicitation.

Contact us today for more details about our TPO program! We can’t wait to help you originate more and worry less.

All About Improvement – Inlanta Attends MBA’s National Secondary Market Conference in NYC

Earlier this month, our Chief Financial Officer, John Watry, and Chief Operations Officer, Paul Buege, had the pleasure of attending The Mortgage Bankers Association’s National Secondary Market Conference in New York, NY.

We recently sat down with our Inlanta representatives and while our CFO and COO primarily enjoyed networking with fellow mortgage professionals and vendor partners, they shared some key takeaways they experienced at this year’s event.

Watry and Buege noted that while the conference did not focus on a particular industry theme or hot button topic aside from GSE reform, there was an underlying consensus centered around improvement.

“If there was a theme,” Watry says, “It would be improvement.”

“Improvement, and focusing more on consumer experience,” Buege added as he shared more on Inlanta’s goals to create a positive overall experience for our consumers and Realtor partners. “During the conference, it was validated over and over that the entire industry, like Inlanta, has proven successful in speeding up the process and becoming more efficient. But now, maybe, more importantly, lenders are recognizing that it’s really the experience that’s important through the transaction. At Inlanta, we know how important that is which is why we get business done, ahead of schedule, always on-time, creating an awesome experience for all stakeholders involved in the transaction.”

From vendors to lenders, everyone at the conference seemed to be striving ahead to do things better, faster, smoother, stronger. Industry leader, Rob Chrisman, had the same take on the “non-themed” theme of the conference that he expressed in his Daily Mortgage News and Commentary on May 3rd.

Chrisman states, “As the 1,400 or so registered participants in the MBA’s Secondary Marketing conference head home, bleary-eyed, the tagline for the conference could have been, ’Just Do It Easier, Better, Faster, Cheaper… the Order is Up to You.’”

With Inlanta’s goal in mind of continuing to better ourselves in order to serve more customers, a lot of time at the conference, Watry noted, was spent discussing our goals with some of our current and potential partners.

Watry said, “It was exciting to meet with strong Inlanta partners and service providers whom we have built relationships with over time to discuss our common goal in finding better ways to serve our customers. To be able to talk to our great partners that we enjoy doing business with and to celebrate the successful work we’ve been able to accomplish together was really the highlight of our trip.”

Buege agreed stating that, “We met with the top investors and correspondent vendors in America at the event and it again validated that we are partnering up with the right companies that can get us the products and services that we need to advance the growth of Inlanta in 2017.”

As far as what’s to come for the future of the mortgage industry, Watry’s answer was simple: “Technology!”

Buege and Watry continued on to discuss the opportunities our Inlanta reps had to talk with many new technology companies and vendors who are proving, without a doubt, that they are advancing the software and tools that will most certainly help lenders, like Inlanta, continue to advance their success in creating a faster, better, stronger mortgage lending experience.

As far as the outlook on the market, Buege remains positive.

“Attending the conference really validated what many of us have been hearing and seeing in that the outlook for the purchase market is going to be very strong and remain strong for a long time, even though interest rates could potentially put a damper on homebuyer enthusiasm.”

Buege and Watry agreed that despite what one may think about higher rates leading to less opportunity for home buyers, it will actually only continue to drive more potential buyers into the marketplace; so, the outlook for purchase business remains positive.

“Coming off the National Secondary Conference,” Buege says, “we are excited that our business model was validated, that a company like Inlanta that is 90% purchase focus, that has the right design with street originators working strongly in partnership with Realtors will be an advantage to really win market share in 2017 and the years to come.”

“Our speed in the delivery of services is currently exceeding industry standards, which affords us the ability to go into a tight housing market knowing that we can really compete because we’ve got the services, we’ve got the products, and we’re proud to say that we can win business every day”

What’s in store for Inlanta? Both our CFO and COO agreed that the independent mortgage banking model that we operate in will “only become stronger” in 2017 and future years to come. Our business model at Inlanta has proven to and will continue to be great for our consumers and the market’s insatiable appetite as long as we continue to put our customer’s first.

Watry and Buege were also thrilled with the positive recognition Inlanta received at this year’s event for being a top-tier lender in originating and delivering high-quality mortgage products in the secondary market. They discussed how this will reward Inlanta in the coming year and years to come, opening up more opportunities for our company to build more relationships with vendor partners.

As the Inlanta brand continues to grow, industry professionals at the conference were not shy on sharing with Watry and Buege their knowledge of our company along with kudos to our marketing department for growing and developing the brand on a national level.

“It’s pretty cool,” Beuge said, “to be able to come back from the conference and congratulate the entire organization because it is the entire organization, all of the professionals that in 2016 set and developed great impressions, that the Inlanta brand is now on the national stage.”

Inlanta Attends WCUL 2017 Convention and Expo

Blog post was written by attendee, Dave Stephan, Inlanta’s TPO Manager. 

The Wisconsin Credit Union League 2017 Convention and Expo just wrapped up last week. I was told by a WCUL representative that this conference is one of the largest state CU conventions in the country and I believe it!  With over 90 exhibitors and 500 attendees, it was one of the largest state industry trade conventions I have attended.

It seems there was no shortage of Third Party Origination (TPO) service providers that were exhibiting.  I was told there were more this year than ever before, and in fact, it was Inlanta’s first year at the show as well.

Why so many? Mortgage Compliance is an indifferent master. It doesn’t care if you’re a bank or a credit union – we all, by and large, have to follow the same rules. The MBA reported in late 2016 that while per loan profits rose by about 5% from earlier in the year (likely from refi’s which are no longer in play), production expenses per loan remained at a historical high of $6,969. With those kinds of numbers, it seems pretty clear where TPO providers are looking to provide value to credit unions and their members.

We can give a credit union the ability to originate loans including conventional, FHA, VA, USDA Rural Development, and jumbo for their members that would otherwise be cost prohibitive from an administrative or compliance (see above!) perspective.  Back-office functions, including issuing disclosures, processing, underwriting, and closing along with the respective compliance burden are all handled by us. That allows the credit union to focus on their member, providing the highest level of service at the lowest possible cost which fits perfectly in their mission as a not-for-profit institution.

Inlanta is a Wisconsin-based company with a nearly 25-year track record as a leading provider of Mortgage Services.  Let us show you how to increase your mortgage production and fee income and reduce costs.

Originate more and worry less!   Need more information?  Email me at davestephan@inlanta.com or call 262.754.6292 or visit our LinkedIn page.

Emerging Leaders and How to Find Them

Article originally featured in National Mortgage Professional Magazine

Inlanta Mortgage’s Senior Vice President of Business Development, Chad Gomoll, was recently featured in a National Mortgage Professional Magazine article discussing the importance of leadership, the qualities of true leaders, and, the benefits of having a team of leaders within your organization.

Who qualifies as a leader within your company? Chad notes that,

“Leaders come from a variety of backgrounds and can lead at any age or stage in their career. Whether they are a young Millennial only a couple of years into their career or an industry veteran who has 30+ years under their belt, each person has their own unique perspective, knowledge, and experiences to bring to the table. As long as they have the technical aptitude—an understanding of all areas of the business and their craft—to help the team navigate difficult situations and leverage positive ones, leaders can hold any position in the company, not just positions of authority. Having leaders at every level is actually beneficial, as these people are usually the ones inspiring the rest of their team members to step up their game to achieve the common goals of the organization.”

When discussing the true innate qualities of a leader, Chad summarizes that leaders are the self-starters, the do-ers, and the decision makers. They often put others first and direct their efforts toward the good of the company and their peers.

“Leaders tend to have an innate desire to lead. They are self-starters who volunteer to spearhead the next group project, take on a new task or responsibility that doesn’t fall inside their usual scope of duties, and want to be more involved in the organization. They take initiative to get the job done and encourage others to follow their example. They also are quick-thinkers who recognize when decisions need to be made quickly and are unafraid of making executive decisions. But most importantly, they have the ability to help their team navigate through any situation that may arise.

 

Leaders are altruistic and have a servant’s heart. They put the needs of their colleagues first. They recognize that it’s not just about them, but the team and organization as a whole. They motivate others, enable them to do their jobs, and put in just as much effort as (if not more than) the rest of the team. When you show others that you are invested in their success and are willing to get your hands dirty right along with them, others will start to follow your example.”

To read more Chad’s full article from National Mortgage Professional Magazine, click here.

At Inlanta Mortgage, Inc., we are always searching for leaders to join our growing team. Reach out to Chad Gomoll today at 262-439-4260 to discuss the leadership mentality at Inlanta or email us if you’d like to learn more about branch manager and loan officer opportunities.

Customer Service Still Key in Mortgage Lending

Written by Inlanta Mortgage Inc. Third Party Originations Manager, Dave Stephan.

Bad customer service is nothing new.  I’m sure that as long as there has been an exchange of goods and services among humankind even the first caveman probably muttered something about waiting in line too long to get his share of wooly mammoth.

At times, I feel like we’re resigned to receiving bad service or, at worst, simply grown to expect it.  Often, companies are striving to maximize profitability and cut costs where savings can be easily and quickly achieved.  Low staffing and training levels lead to high turnover, which leads to increased costs, which leads to lower staffing/training, and the cycle renews itself.

I was treated (yes, treated – more on that later) to one of the most shocking examples of poor service recently at the 2017 Wisconsin Mortgage Bankers Association’s Spring Real Estate Conference. Imagine a typical conference lunch among your peers. Food is served, water and coffee are poured, and oops! Your server fills your glass (leaning in waaay over your back) until it overflows on the table and you notice it happens to the person next to you, and another, and another. Now, the server is talking on his cell phone while trying to pick up dishes.

He drops a tray and asks a diner to hold some dirty dishes while he picks up some others. Soon, mouths in the room are agape and people are whispering. Cell phones come out to record for several minutes what looks to be a social media worthy disaster in the making. Then, the server begins heckling the lunch speaker! Beyond the worst service ever.

As it turns out (and as you might have guessed), the server, Don Pryor, AKA The World’s Worst Waiter, was the lunch entertainment. The gig was up when the keynote speaker, as he was being heckled, challenged Don to come up to the podium to see if he could do better. Don spoke for several minutes about his experiences doing this skit over the years, recounting reactions ranging from mild annoyance to threats of physical harm. It was one of the most memorable conference experiences I’ve had and it got me thinking.

As bad customer service experiences go, it was fascinating to see how polite and tolerant the audience was, at least until things went way over the top. Perhaps, in a less public setting, things would have been different but I suspect we have indeed lowered our expectations in these kinds of interactions. Given a slightly less outrageous spectacle, I think most would have chalked the experience up to, “what can you expect?”, and hardly given it a second thought.

Mortgage Lending is at its core, a customer service business. We sell an intangible product that through all the technological advances of the last decade or so, still hinges on the interaction between borrower and lender. As such, we’re susceptible to the same lessening of expectations of any customer service business, even something as different as food service.

We can help your institution focus on that customer interaction by leveraging Inlanta’s Third Party Origination program and the expertise that a billion-dollar lender can bring to the table. Your originators can manage the customer experience for all your FHA, VA, USDA, RD, and even conventional loans and we take care of the rest.

We’ll help you originate more and worry less.  Need more information?  Email me at davestephan@inlanta.com or call 262.754.6292 or visit our LinkedIn page.