Why Use A MortgAge BAnker?

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1 Why Use A Mortgage Banker?

2 US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; or (800) (LOANS15). Licensed Mortgage Banker-NYS Department of Financial Services- AK, AL, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY State Banking Departments/Regulators. Rates, fees and program guidelines are subject to change without notice. Certain restrictions may apply. Some loans arranged through third parties. First mortgages only. Not all products and/or programs are available in all states.

3 Table Of Contents Who Is A Mortgage Banker.... Page 01 Functions Of A Mortgage Banker Page 03 Advantages Of Hiring A Mortgage Banker... Page 05 Mortgage Banker vs. Mortgage Broker.... Page 09

4 Who Is A Mortgage Banker? Any institution, company, or individual that initiates mortgages is known as a mortgage banker. Mortgage bankers make use of funds they borrow from a lender or their own funds for mortgage lending. Once a mortgage has originated, a mortgage banker may possibly retain it in portfolio, or can even sell the mortgage to investors. When a mortgage has been initiated, the banker can service it, or the servicing right may be sold to some other financial institution. The main business of a mortgage banker is to earn the amount linked with loan origination. A large percentage of mortgage bankers do not hold back the mortgage in portfolio. Qualification of a mortgage banker The most basic qualification that a mortgage banker should have is a graduation from a school that is accredited and an associate s degree. A proven track record of closing sales is also usually a must and so is one year of experience in the financial industry. 01

5 Mortgage bankers should be able to present and speak confidently in front of groups of people and must also have good verbal and written skills. It is important for a mortgage banker to possess good negotiation skills and should also be able to perform both analytical and mathematical tasks. Qualities A successful mortgage broker will most likely be a people s person who feels comfortable around a wide range of people and personalities. They are usually very competitive, committed to success, and embody a team playing attitude. Both the fiscal and professional rewards are great motivators to achievement. Compensation A mortgage banker will usually be given paid training along with a salary. A commission is usually paid on sales. Depending on the bank or institution, mortgage bankers even get compensated for vacations, health insurance, and other holidays. 02

6 Functions Of A Mortgage Banker 03

7 Essentially, mortgage bankers are loan officers. Their forte is to offer financing to people who are looking to buy homes or refinance their current mortgages. The role of a sales person is often taken on by loan officers, which entails attending meetings related to real estate, events to source new borrowers and home-buying seminars. Some parts of the entire process of lending are regulated by the federal government, while other parts are regulated by banks or the institutions doing the lending. Banks usually have their own rules to decide if an applicant can qualify for a mortgage. For instance, a banker can turn down an application for a mortgage in the event that a borrower does not meet the credit limit of the bank. Requirements To be a mortgage banker, the first and foremost requirement is to know the product. A mortgage banker must be aware of real estate, banking, lending and math. He must also be well-informed about every type of mortgage he sells and should be able to match the appropriate mortgage to the right borrower. The mortgage banker must be driven to do sales, especially if his job is primarily based on a commission, because then his salary will depend entirely on the sales he makes. He should be able to market his product in the community and also make cold calls. A lot of time is spent by mortgage bankers out in the field, meeting clients and trying to find new ones. It is apparent that good social and customer service skills are a must. Evaluation of your loan Your mortgage banker will evaluate your credit history, financial information, employment status and salary, which are all needed for a mortgage loan. Your banker will make sure you fill out all the necessary loan documents, which could sometimes be confusing to a layman. Any questions and doubts you may have about the loan process can be answered by your banker. Mortgage bankers use software to speedup the entire loan evaluation process. Estimates of good faith Mortgage bankers must furnish all applicants with a document known as a good-faith estimate, which reveals the fees that are charged right through the mortgage process. The fee includes the amount needed for obtaining home appraisals and credit reports. Declined mortgages In case a mortgage gets declined, it is the mortgage banker who will write to the applicant and explain why so. Bankers have the right to reject an application in case the applicant carries more debt than their bank s qualifying guidelines permit. 04

8 Advantages Of Hiring A Mortgage Banker 05

9 06

10 Better pricing Mortgage bankers sell loans as funded loans, which entitles them to rates that are generally lower. With overheads that are lower, mortgage bankers are usually more competitive when it comes to costs and rates as compared to traditional banks. The long term relationships that mortgage bankers have help to improve not only the structure of the loan but also the pricing. If you have a good relationship with your mortgage banker, you will probably have access to better rates and also more flexibility when it comes to documents. Fast processing and loan closing Mortgage bankers will usually be equipped with in-house underwriters who work with the mortgage consultants like a team. Because of this team work, great and accurate advice can be given to you right from the beginning until the end. The time taken for underwriting is also reduced considerably. Aside from performing tasks like funding and drawing documents in house, speedy closing of documenting is a major benefit of mortgage bankers. The accuracy is much higher because of the systems in place. In case any revisions need to be made, they can be done in just a few minutes. The capacity to lend mortgages virtually guarantees closing deals on schedule. Clients, realtors, title companies, and other sources all reap the benefits of being quick in their services. The diversified market portfolio that mortgage bankers have enables them to tell in advance where to shop in order to save money and time. The underwriting criteria of a lender are best understood by a banker, and your mortgage banker will be able to structure your package in the best possible fashion. Wide market access The market access for mortgage bankers is much larger than others. This access is in terms of approval options, mortgage products and loan structures that are available in a market. The advantage of having access to great resources automatically gets passed on to the applicant. Higher success rate Using a professional mortgage banker is ideal for finding a loan that is best suited to your needs. A mortgage banker will make sure your loan closes on time and will also help weed out lenders that will either re-trade a rate shortly before closing or not even close. Mortgage bankers are known to be experts in this art. They have the capability to structure the terms of a deal and they usually have relationships with several lenders. 07

11 Expert assistance Acquiring a property or refinancing takes a lot of time, energy, and money. A mortgage banker only gets paid once the loan is funded and arranged. They can make use of relationships to establish an auction between lenders that are interested in financing. This ensures that the best loan terms and rates are given to the client. This in turn creates very flexible terms for the borrower. Lenders are aware of the fact that mortgage bankers use relationships to their benefit and also know they need to quote the best terms they can upfront. It has been proven that borrowers who speak directly to lenders don t get market quotes or anything better than the market quotes. 08

12 09

13 Mortgage Banker VS. Mortgage Broker 10

14 Mortgage bankers are often confused with mortgage brokers by the public and consumer advocates. There is often confusion regarding the responsibilities and specific functions of mortgage lenders and brokers, which has often led to a lot of generalization when it comes to residential mortgages. Role A mortgage banker has been defined above. A mortgage broker, on the other hand, is a person who brings together a lender and borrower. A broker is usually not an exclusive agent of any lender or an employee of a lending institution. This means that a mortgage broker can negotiate terms with various lending institutions. They are also responsible for completing and assembling your mortgage application. A mortgage banker is primarily a vendor who is trying to sell a mortgage at a profitable yet competitive price. Consumers should compare the price offered by mortgage bankers to that of other bankers as well as brokers. Service Lenders who lend money directly are captivated by their very own products. They do not offer unbiased selection or advice because by doing that, they will risk losing your loan to the company whose product will actually give you the best value. Mortgage bankers, on the contrary can sell many products from several sources and are objective when it comes to making recommendations. They will be able to provide you with the best service and loan according to your needs. 11

15 If you go to your local bank, they will generally accept your application and underwrite your loan, and finally give you your money. But in case your loan gets declined, you will need to start the entire process all over again with a brand new source. If you make use of a mortgage banker or bank that sells loans to several sources and also offers a wide range of programs, you have a better chance in case one lender does not approve your loan. Financial risk The financial risk level that is present with a mortgage broker is very different from that of a mortgage banker. Technically, a mortgage broker does not apply any capital at risk during the mortgage transaction; he simply connects the banker and the broker. The work of a mortgage broker is merely to originate a loan. Once the loan has closed, the broker is paid off immediately and does not have any other responsibility when it comes to the transaction. Usually, mortgage bankers function with considerably higher risks as compared to brokers. The incentive of the banker is to make sure the loan performs, which automatically aligns the interests of a mortgage banker with the borrower. When a loan gets sold in the secondary market, the investor can force repurchase in case specific contractual standards are not adhered to. Accordingly, a significant amount of the capital is kept by mortgage bankers to meet their obligations. It is, in fact, the job of a mortgage banker to assume the compliance, credit, and fraud risks that come with the loan. 12

16 Corporate Office 201 Old Country Road, Suite 140 Melville, NY On US: 800-Loans

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