SlideShare a Scribd company logo
At Fifth Third Bank
Lonn Dugan, Mortgage Loan Originator, NMLS 864293
I am an Employee Of Fifth Third. The statements or opinions expressed
are my own and do not necessarily represent those of Fifth Third.
How Many Realtors Does It Take
To Change a Light Bulb?
Old Stories, Rumors, and Facts
EVERYBODY KNOWS…
Bill Gates once predicted the
Internet would never catch on
Danberry Is The Biggest and Best
Brokerage in Toledo
Recent Personnel Changes
I Moved My License To Fifth Third Bank
Elizabeth Kollar, Former SR VP of Mortgages, Moved To NC
Greg Cepek, Formerly at Waterford Bank, Now SR VP, Head of Mortgage
Restructured Processing & Underwriting Processes
New Dedicated MLO / Processor / Underwriter Teams
Inside Promotions for 3 Managers ~ New MLO Team Structure
Dramatic Improvement in Turn Times, On Time Closings!
Mortgage Programs & Changes
Conventional Mortgages with 3 % Down
New Doctor / Established Doctor Loans with 5% Down & NO MI
Construction to Perm Loans ~ Single Closing ~ 10% Down
Portfolio Loans for Business Owners, High Net Worth Individuals
VA Loans at only ½% Origination Fee ~ Others Charge 1%
Learning from the Past
Serious System Changes
Complete Nation-Wide
Mortgage Transformation
Implemented Q4 2014
Internal Process Changes
New Complaint Management Program
Encouraging Complaints So We Can Learn
Powerful Date Tracking Systems
Team Focus on Meeting Contract Dates
Powerful Alignments
Dedicated Teams ~ Better Outcomes
OutcomesFor Realtor Partners
OutcomesFor Realtor Partners
On Time Closings!
Application Underwriting
More
Underwriting
Clear To Close
TILA / RESPA UPDATES COMING
Hold On To Your Hat
First: Dodd Frank & SAFE Act
TILA / RESPA
Then CFPB Ads Enforcement Teeth
75,000 Programming Hours At Fifth Third Bancorp
Working Together To Increase
Value of Realtor Services To Clients
Help Buyers Save on Interest Rate
And Closing Costs
Other Banks May Charge Points For Great Rates
We Pay Borrowers Up to 1.25 Discount Points
On All Purchase Loans
Joint Marketing Opportunities
Joint Mailings
Joint Postcards
Joint Open House Fliers
Link Exchanges
Market Leaders Should Work Together
Besides: I am former RE/MAX
and… You LOVE ME!
The End

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Mortgage transformation 15