2. 3 Keys to your
Success in 2017 Transparency & Reporting
Training
Tool Box
1
3
2
Enterprise CRM with automated marketing campaigns
Mobile Application
Dedicated recruiter, creative products, non qm, new doctor
loans, DAPP’s and more.
Dedicated corporate trainer available on webinars and office visits
to ensure all branches are working as efficiently as possible
Dedicated HR to support the new hire and onboarding process
Dedicated loan transition team to help originate any loans during
transition to ensure they close on time.
Daily reporting available for all roles to ensure
they are working on the right files.
Transparency through online branch P&L’s
and robust reporting on all branch pipelines
and trends
3. Mobile App CRM Cycle time reporting
to track performance
Branch/LO
Websites
Service Portal
for live support
HR Team Dedicated IT
resources
Cloud Computing
for people in the field
Onboarding
Team
Ongoing
training
Web Based
resource center
MLO
TOOLBOX
4. Training &
Onboarding Team
At IFFG we know switching companies is not easy.
That is why we have a dedicated team assigned to
make this transition as smooth as possible.
HR
Will walk you through new
hire paperwork, benefits
packages & offer letter.
Corporate Trainer
Offers trainings specific to each
new hires role at IFFG to ensure
to sucess.
Transition loan team: Assigned Division Manager:
Will handle the originations
on any loans you may refer to
us while working on sponsorship.
Will be there to ensure that
corporate knows the specifics of your
hire and will ensure a smooth boarding.
5. IFFG
Opportunities
MLO’s
We support our sales team with service,
technology and leadership to help them thrive.
Aspiring Managers
Ideal opportunities for Loan Originatros ready
to take their careers to the next level in
management.
Branch Managers-our team of Division
Managers partners with our branches to
help them grow and succeed at IFFG.
Branch Managers
Regional Managers-our entrepreneurial
spirit allows Regionals to expand their
branches knowing that not all opportunities
fit in a single box.
Regional Managers
IFFG has been expanding
its footprint to over half the
nation and continues to expand.
In addition, we have no set
territories for our managers
which means you can grow
your business and branches
in any of the states we lend.
6. We hedge 95% of our pipeline allowing
for more aggressive pricing structures
Entrepreneurial Pricing model
Differentiate yourself in the market with proprietary
products including a full non QM suite underwritten in house
Work directly with management to carve out a model
that will make you competitive in your market.
Flexible & Competitive
Pricing Model
Conforming Products FHA
FHA Streamline non-credit qualifying options
20+ correspondent lenders
FHA High Balance available
No minimum trade line requirements
203k Full and Streamline options
1 Time Close Construction to Perm
(stick built & manufactured)
Manual underwrites available
Credit Scores to 580
Ability to broker loans
20+ correspondent lenders
Medical Doctor Loan Program, use future income to
qualify & exclude student debt
97% financing available (Home Ready/Home Possible)
with PMI & condos (first-time buyers only)
Fixed Rate & HELOC 2nds available with
Piggy Back transactions to 95% CLTV
DU Refi Plus and Freddie Mac Open Access programs
Fannie Mae Homestyle Renovation Program
Long-term rate locks available
Credit Scores Down to 620
Ability to broker loans
Products & Pricing (1/2)
7. 14+ correspondent lenders
Non-warrantable condo options
90% LTV on SFR/condo to $850,000 as fixed or ARM
85% LTV with no monthly MI on SFR/condo to
$1,500,000 as 30 year fixed
80% LTV to $2,500,000
70% LTV to $3,000,000
ARM interest only
Jumbo
Non QM (IFFG Specialty Lending Division)
24 Month Bank Statement Programs to 85% & 2 Million
12 Month Bank Statement Programs to 80% & 2 Million
Stated Income Programs to 75%
Asset Depletion to 75%
Non Warrantable Condos to 75%
Jumbo to 90% no PMI
Foreign National to 75%
Interest Only to 80%
Multi Family/Commercial Lending
Reverse Loans (brokered)
Non QM
(IFFG Specialty Lending Division)
VA & USDA
15+ correspondent lenders
IRRRLs
VA Jumbo
1 Time Close Construction to Perm (stick built & manufactured)
Manual underwrites available
Credit Scores to 580
Ability to broker loans
VA & USDA
DPA & MCC programs available
State Bond Programs
(2/2)Products & Pricing
I have been a loan officer at IFFG
for almost 8 yrs because they
always have my back. Our interest
rates are top notch, they have built
incredible systems that make the
loan process as smooth as possible
and the owners of the company are
truly accessible and value my
opinion. I am not just a number
among a sea of countless LO’s, but
a valuable contributor to the team
with a real voice in the company.
Dustin Gildersleeve-CA#1 Originator-2016
8. About IFFG
“ IFFG has been in business over 10 years
and I believe we owe the lion share of success
to our great team. The employees at IFFG are
excited to come to work every day because
we know we are helping our end customers
with one of the biggest financial decisions in
their lives. As teammates we all know we
need to go out of our way to give every client
the best loan possible without sacrificing service,
experience or integrity. In today’s competitive
market you need to align yourself with the best.
What does this mean? It means delivering
competitive pricing, cutting edge technology,
first class marketing support and a knowledgeable
staff all focused on the single goal of closing loans
so quickly that referrals pour in. At IFFG we have an
operations staff 2nd to none to help make this
happen. Because of our streamlined process we
are able to close loans fast and in turn make our
loan officers and branches more money. We would
love to hear from you and discuss how we may
customize an opportunity to meet your goals.
I look forward to working with you. ”
Alex Barnett-CEO/Partner
9. John Warnock
Division Manager
Corp NMLS: 129777
PH: 727.415.8879
Email: johnw@iffghomeloans.com
www.joiniffg.com
I look forward to speaking with you!
