first community mortgage careers

Deposit checks, pay bills and more with FCBCA Mobile · Lost, Stolen, or Possible Fraud on Your Debit Card? · First Community Mortgage · First Community Financial. First Community Bank 5406 Everhart Rd Corpus Christi TX Position Summary The position of Mortgage Loan Originator is responsible for working in a prescribed. First Convenience Bank. See our job opportunities Mortgage. Fort Hood National Bank. First Community Services About First Community Mortgage (FCM).

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Carolina Beach resident joins First Community Mortgage


First Community Mortgage has named Tyler Smith as a branch manager in its Wilmington office. Smith can originate mortgages for consumers in the many markets in which FCM is licensed across the country, focusing primarily on North and South Carolina, as well as Florida, Pennsylvania, South Dakota, Texas and Virginia.

More: Final building to round out longtime Wilmington business park

More: PPP loans: Check out which Wilmington area businesses received a loan

More: Top 8 things to know about Wilmington's hot real estate market

Smith makes his home in Carolina Beach with wife Whitney, daughter Ellarie and miniature goldendoodle Kaya. He is active in serving his community and philanthropic causes that are uplifting and support personal growth.

Smith was a SuperPrep All-American quarterback in high school and played college football for Maryland University and Elon University, and continues his focus on fitness and health as a certified Strength and Conditioning coach and a USA Weightlifting coach. Away from work he enjoys hanging out with family, beach life, fishing, surfing and riding his motorcycle, and notes that the family dog goes everywhere with them.

First Community Mortgage Inc. is a wholly owned subsidiary of First Community Bank of Tennessee, and includes wholesale, correspondent and retail divisions.

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Источник: https://www.starnewsonline.com/story/business/2021/08/10/tyler-smith-new-branch-manager-first-community-mortgage/5481178001/

Update April 3, 2020 5:41 p.m.

Union Home Mortgage

To accommodate the current disruption in the market, Union Home Mortgage modified its re-verification process and other overlays.

  • Age of documents: The age of document requirements have been reduced from four months to two months for most income and asset documentation.
  • Verbal re-verification of employment: When UHM is not able to obtain a standard verbal verification of employment, the lender can accept an email sent from the employer’s work address, year-to-date pay stubs from the pay period that immediately precedes the note date or an asset account statement evidencing the payroll deposit from the pay period that immediately precedes the note date.

Story publishedFriday, April 3.

As market volatility increases due to the coronavirus pandemic, mortgage lenders are increasingly tightening their lending standards to add in increased protections against borrower default.

Specifically, many lenders are adding overlays to their origination process. Overlays are new lending policies that dictate new standards for certain mortgages, such as raising the minimum FICO credit score to quality for a Federal Housing Administration loan.

These changes come as it becomes more difficult for lenders to check the borrower’s ability to repay their loan as unemployment surges and data is updating and changing daily due to COVID-19.

A total of 6.65 million people filed jobless claims in the week ended March 28, the Labor Department said on Thursday. That’s up from the prior record of 3.31 million for the previous week, which was revised upward.

Because of this, United Wholesale Mortgage added an extra verification of employment check on the day of closing. And other lenders have stepped up to add what UWM CEO Mat Ishbia called, “prudent lending standards that might become the new norm.”

Caliber Home Loans

Due to the ongoing impact of COVID-19 causing volatility in the markets and difficulties in underwriting credit risk, Caliber released several overlays for its conventional, jumbo and government products, including:

  • Age of documentation: Effective with submission dates on or after April 3, 2020, the age of documentation requirements is being reduced. Income and asset documentation must be dated within two months (60 days). If an asset account is reported on a quarterly basis, the most recently issued quarterly statement must be obtained.
  • Verbal VOE: All verbal VOEs must be completed and be done within three business days of the note date, validate the borrower is currently employed and not on leave or furlough, confirm that the borrower’s hours and pay have not been impacted in the last 30 days and be completed by an HR representative, owner or digital vendor.

For those that are self-employed, the borrower must provide a written statement that the business is open and operational and that the COVID-19 effects will not have a material impact on the financial statement provided at time of approval. If bank statements are unable to be obtained, then the qualifying income must be reduced by 25% and be deemed acceptable to move forward.

  • Rental income: Rental income may only be used if the borrower’s FICO is greater than 700 and the borrower can document six months of reserves for each financed property in which rental income is being used to qualify. If the FICO and reserve requirements are not met, then the borrower must qualify with the full PITIA for the subject and other REO properties owned.

Arc Home

Arc Home also announced new overlays due to the ramifications from COVID-19, which it noted in a letter to brokers.

  • VOE: A verification of employment within 10 days of closing in the form of verbal confirmation, an e-mail directly from the employer’s work e-mail address that identifies they are someone who is authorized to provide the Borrower’s employment status (Human Resources or Immediate Supervisor) as well as the borrower’s name and current employment status; year-to-date paystub from the pay period that immediately precedes the Note Date; or an asset account statement, meeting Fannie Mae and Freddie Mac documentation guidelines, evidencing the payroll deposit from the pay period that immediately precedes the Note Date.
  • Self-employment: For self-employed borrowers, verification that the Borrower’s business is operational should be obtained within 15 days of the Note Date.

Parkside Lending

Parkside Lending announced that, in light of businesses closing and others working remote, it is implementing several updates to its validation staff when verifying employment.

VOE: If no one answers and their voicemail states they are close due to coronavirus, the lender will reach out to the broker and see if it can get a business email address for a person who can help verify. It will also ask brokers for assistance with a phone number (landline or mobile) to reach the appropriate staff for validation.

U.S. Bank

Effective April 3, 2020, U.S. Bank added several overlays for government loans including FHA, VA and USDA.

  • Minimum FICO: U.S. Bank increased its minimum FICO requirement to 680.
  • Debt-to-income: The bank implemented a maximum DTI of 50%.
  • Underwriting: Manual underwriting is only allowed on FHA streamline refinances and on VA IRRRL transactions.
  • Transaction type: FHA streamline refinance and VA IRRRL transactions is only available if U.S. Bank is the current servicer.
  • Funds for Closing: Borrowers must have a minimum FICO score of 700 with a maximum DTI of 43% when any funds used for closing costs or down payment are not borrower’s own funds or gift funds.

First Community Mortgage

Human Mortgage by First Community Mortgage continues to take measures, including additional overlays, to adapt to the market disruption brought about by the spread of the COVID-19 virus.

  • VOE: FCM is requiring a verification of employment to be completed within three business days on all loan programs. Due diligence should be used in obtaining the most recent income documentation to reverify the borrowers repayment ability prior to closing. When originators are unable to obtain a verbal verification of employment within three business days of loan closing due to a temporary closure of the borrower’s employment, alternatives should be explored. For example, email correspondence with the borrower’s employer is an acceptable alternative to a VVOE. If unable to obtain a VVOE or acceptable alternative, the requirement will be waived when the borrower has a minimum of two months cash reserves.

This is a developing story and is being updated with information and quotes as they come in.

Источник: https://www.housingwire.com/articles/mortgage-lenders-are-tightening-standards-as-coronavirus-crisis-worsens/

We’re making significant investments to build a world-class mortgage business — and you can make a big impact. There’s a buzz about us in the mortgage industry unlike ever before. In fact, 2020 was one of the biggest years in Citizens Home Mortgage history, with over $40B in originations and more than 450 new Home Mortgage colleagues hired. With a strong digital strategy, a focus on our talent, and clear support across the organization, this is an exciting time to join our diverse team of hard-working professionals.

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What You'll Get

Great pay and generous benefits

A perfect blend of career and lifestyle

Advanced tools that get that get the job done

Supportive leaders who have your back

Opportunity to develop and grow your skills

What You'll Do

Mortgage Loan Officers

Help customers achieve their dreams and provide the right financing options along the way. Our accelerated national growth plans are innovative and digital first; meaning access to customers is vast and the homebuying experience is faster and easier than ever.

Operations

Guide customers from loan origination to closing on one of their biggest purchases: a home. Because you know the nuances of the process, you will support customers every step of the way, in partnership with a supportive team of underwriters, closers and processors.

Third-Party Originations

We deliver customer service and support that is unmatched. As a colleague on the nation’s largest bank-owned wholesale and correspondent lender team, you understand the personal side of every transaction and communicate promptly with customers. Our supportive, collaborative team works together to close loans for our customers. Come join our top 10 mortgage origination and servicing team.

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Источник: https://jobs.citizensbank.com/mortgage

Ready to take your Career to new heights? Soar With Us

Work At Freedom

Soar With Us

Here at Freedom, we’re ambitious, restless, and hungry to reach new heights for our customers and for ourselves. We’re deeply committed to caring for the communities in which we work. Focused and determined, we’re wired to help our customers and each other as we continue to achieve incredible results.

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Post Payoffs Processor

Soar With Us   Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financia…

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Post Payoffs Processor

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Staff Accountant

(This position will be primarily remote but will have to go into the Marlton, NJ office eventually occasionally) Summary: The Staff Accountant will be responsible for financial recording and …

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Customer Success Agent

Customer Success Agent Soar with Us Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financial betterment and home…

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Customer Success Agent

Customer Success Agent Soar with Us Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financial betterment and home…

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Top Workplace

Freedom Mortgage has been named a Top Workplace since 2016

Core Values

The heart of all we do

At Freedom, we’re constantly striving to make a difference to millions of people through the hard work and dedication of our incredible teams. Our working culture is supported by 4 key pillars: Relentlessly seek possibility, Take tremendous pride, Feel like family, and Invest in yourself. These fundamental characteristics have helped us fly ahead of the flock for over 30 years and are pivotal to our ongoing success.

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Our Teams

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Sales

Our Loan Advisor teams help customers choose the right financing option for their needs by educating and guiding them every step of the way.

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Underwriting

Working within industry and legal guidelines as well as secondary market investor standards, our Underwriting teams examine the accuracy and completeness of loan documents, assess creditworthiness and risk, while working collaboratively with Sales and Operations.

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Servicing

Our Servicing teams are responsible for addressing key support issues throughout the life of each mortgage loan: collections, loss mitigation, escrow processes, customer inquiries, and other integral components of customer account management and maintenance.

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Corporate

From Human Resources to Marketing, and from Finance to Legal, our integral core departments keep our processes running smoothly.

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Graduate Programs

Our various “First Flyers” programs provide the training, mentorship, and networking to have new college graduate participants earning while learning during their first 12-18 months, as they launch into a successful career at Freedom Mortgage.

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Information Technology

Our IT teams keep data and technology running throughout the entire organization efficiently and safely. They implement digital transformation and innovation initiatives for our customers and our team members.

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Operations

Our Operations teams are essential in the processing of all contracts and applications to ensure loans move through to closing and all customer inquiries are addressed and resolved.

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Wholesale & Correspondent

We provide best-in-class service for both Correspondent and Wholesale lending partners, with a focus on innovative products and B2B solutions designed to suit every client and borrower need.

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Fast Track

The Fast Track Program is an on-the-job training program for experienced professionals looking to make a career change into the mortgage industry – specifically to become a licensed Loan Advisor.

Diversity

Freedom to be you

At Freedom Mortgage, we nurture and celebrate the uniqueness and ideas powered by the diversity of people, thoughts, and experiences. We are committed to the continual growth of a workforce that is as diverse as the communities we serve. A diverse team keeps us learning, growing, and soaring.

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Our “First Flyers” program is focused on helping new grads transition from the world of academia to the world of work.

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From our employees

The continued growth that Freedom Mortgage is experiencing is what really motivates me.

From our employees

It’s important to take time out to recognize team achievements, both big and small.

Источник: https://careers.freedommortgage.com/

First Community Bank 

5406 Everhart Rd. 

Corpus Christi, TX 

 

Position Summary

The position of  Mortgage Loan Originator is responsible for working in a prescribed geographic area to originate mortgages.

 

Essential Duties

  1. Call on Real Estate agents within specified sales area
  2. Solicit 1st mortgages for processing
  3. Deliver completed mortgage applications to the lender
  4. Answer any questions that the client or real estate agent might have while the loan is being processed for approval
  5. Maintain sales district by continually updating the Real Estate Agents on changes in rates, policies, procedures, and underwriting requirements
  6. Promote good will throughout sales area so that we will keep receiving loan applications
  7. Ensure that all applications fall within the prescribed specifications the Mortgage Division
  8. Keep in periodic contact with the lenders to receive messages and current information on rate changes
  9. Attend meetings, conferences, and seminars to continually update skills in the solicitation and selling of all types of mortgages in the primary and secondary market
  10. Perform all other related duties as may be periodically required
  11. Complete inquiry/application logs
  12. Prepare notice of Adverse Action when applicable for inquires

 

Knowledge, Skills, and Abilities

Knowledge of personal computers and data processing systems associated with mortgage operations is required.  This job requires the ability to meet established deadlines, work productively in groups and individually, communicate effectively in writing and orally, operate standard office equipment, work extended hours occasionally, and travel to various client locations and training activities as needed.

NMLS registration is required

START YOUR APPLICATION

Источник: https://fcbot.hrmdirect.com/employment/job-opening.php?req=1686917&&&nohd

First Community Bank of Tennessee buying mortgage lender

First Community Bank of Tennessee in Shelbyville has agreed to buy a mortgage lender in Murfreesboro, Tenn.

The $814 million-asset bank said its First Community Mortgage unit will acquire A Mortgage Boutique. First Community did not disclose the price of the deal, which is expected to close this month.

“We are excited to partner with the team at AMB,” Keith Carter, First Community Mortgage’s CEO, said in a press release Thursday. “There is strong alignment between our two organizations, particularly in the value we place on people … and the communities we serve.”

First Community Mortgage’s wholesale division plans to rebrand as A Mortgage Boutique after the deal closes.

Retta Gardner, a co-founder of A Mortgage Boutique, will join First Community Mortgage as executive vice president of the wholesale division. Nancy Skinner, the mortgage lender's president and another founder, and K.J. Harden, who leads retail sales, will also join First Community Mortgage.

A Mortgage Boutique was founded in August 2019. It operates in Alabama, Florida, Kentucky, Ohio, Tennessee and Virginia.

First Community Mortgage operates in 46 states. It funded more than $3.5 billion in home loans last year.

Источник: https://www.americanbanker.com/news/first-community-bank-of-tennessee-to-buy-mortgage-lender

Mortgage Loans

Whether you're buying your first house or your retirement dream home, we know the importance of getting a mortgage you can live with. Our goal is to make your financing search quick and enjoyable, with great terms and competitive rates ... and plenty of personal attention along the way. 

The best part, no matter where your dream home is located First Community Bank can help make it a reality with one of our many in-house & secondary market mortgage options^. To get started call or email a First Community Bank mortgage lender directly or visit any First Community Bank. 

Find Your Local Lender

OR

Find A Local Branch

Once you close on your First Community Bank home loan, you're automatically entitled to certain perks available to our mortgage customers. Below are some of the additional benefits you can start to enjoy right away.

      • Access to our Community Free Checking account*
      • No service fees when you select electronic statements**
      • No charge for your first box of checks
      • Free, small safe deposit box for one year (available only at branches offering this service)

NMLS: 423539; NMLS Mortgage Lender Directory

Источник: https://www.firstcommunitybank.com/borrow/mortgage-loans

Mortgage Loans

Whether you're buying your first house or your retirement dream home, we know the importance of getting a first community mortgage careers you can live with. Our goal is to make your financing search quick and enjoyable, with great terms and competitive rates . and plenty of personal attention along the way. 

The best part, no matter first community mortgage careers your dream home is located First Community Bank can help make it a reality first community mortgage careers one of our many in-house & secondary market mortgage options^. To get started call or email a First Community Bank mortgage lender directly or visit any First Community Bank. 

Find Your Local Lender

OR

Find A Local Branch

Once you close on your First Community Bank home loan, you're automatically entitled to certain perks available to our mortgage customers. Below are some of the additional benefits you can start to enjoy right away.

      • Access to our Community Free Checking account*
      • No service fees when you select electronic statements**
      • No charge for your first box of checks
      • Free, small safe deposit box for one year (available only at branches offering this first community mortgage careers 423539; NMLS Mortgage Lender Directory

Источник: https://www.firstcommunitybank.com/borrow/mortgage-loans

We’re making significant investments to build a world-class mortgage business — and you can make a big impact. There’s a buzz about us in the mortgage industry unlike ever before. In fact, 2020 was one of the biggest years in Citizens Home Mortgage history, with over $40B in originations and more than 450 new Home Mortgage colleagues hired. With a strong digital strategy, a focus on our talent, and clear support across the organization, this is an exciting time to join our diverse team of hard-working professionals.

View All Jobs

What You'll Get

Great pay and generous benefits

A perfect blend of career and lifestyle

Advanced tools that get that get the job done

Supportive leaders who chipotle free food today your back

Opportunity to develop and grow your fcfcu locations You'll Do

Mortgage Loan Officers

Help customers achieve their dreams and provide the right financing options along the way. Our accelerated national growth plans are alliance bank association and digital first; meaning access to customers is vast and the homebuying experience is faster and easier than ever.

Operations

Guide customers from loan origination to closing on one of their biggest purchases: a home. Because you know the nuances of the process, you will support customers every step of the way, in partnership with a supportive team of underwriters, closers and processors.

Third-Party Originations

We deliver customer service and support that is unmatched. As a colleague on the nation’s largest bank-owned wholesale and correspondent lender team, you understand the personal first community mortgage careers of every transaction and communicate promptly with customers. Our supportive, collaborative team works together to close loans for our customers. Come join our top 10 mortgage origination and servicing team.

Franklin American Logo

Источник: https://jobs.citizensbank.com/mortgage
Ole South

Get Fast Answers!

(615) 219-5644

Financing can be one of the first community mortgage careers stressful parts of buying a home. In an effort to streamline the process for you, we have selected a group of trusted, knowledgeable, lenders as well as put together this basic outline to first community mortgage careers some common concerns. We have worked with many lenders throughout our years and we have found that finding the right professional who is knowledgeable and honest helps the building process go smoother for you, your sales agent and us.

David Prince with First Community Mortgage

David Prince with First Community Mortgage

First Community Mortgage is proud to be the partnering lender with Ole South Properties. We are a local lender, based out of Murfreesboro, Tennessee, ranked the #1 new construction lender in the Nashville MSA and a top 5 lender according to the Nashville Business Journal, based on market share.

Loan Originator, NMLS # 186706

Chris Meagher with First Community Mortgage

Chris Meagher with First Community Mortgage

First Community Mortgage is proud to be the partnering lender with Ole South Properties. We are a local first community mortgage careers, based out of Murfreesboro, Tennessee, ranked the #1 new synchrony bank old navy credit card payment lender in the Nashville MSA and a top 5 lender according to the Nashville Business Journal, based on market share.

Loan Originator, NMLS # 186395

"We recently purchased our very first home and could not be more pleased with Ole South Properties and, more specifically, our experience with Alex. Alex completed our warranty and closing day walk through with us and has consistently exceeded our expectations. Since moving in, we have required a few repairs and each time we have reached out to Alex, he and Ole South have acted immediately first community mortgage careers with the highest level of professionalism. Being a new homeowner can be overwhelming, but Ole South's pride for their work and Alex's level of care for our family have made us feel beyond grateful that we chose an Ole South property to call home. We love our new home and are so thankful for the entire Ole South team. We have no hesitation in recommending them to anyone looking for a home!"

Jennifer T

Источник: https://www.olesouth.com/financing

First Community Bank 

5406 Everhart Rd. 

Corpus Christi, TX 

 

Position Summary

The position of  Mortgage Loan Originator is responsible for minecraft five nights at freddys in a prescribed geographic area to originate mortgages.

 

Essential Duties

  1. Call on Real Estate agents within specified sales area
  2. Solicit 1st mortgages for processing
  3. Deliver completed mortgage applications to the lender
  4. Answer any questions that the client or real estate agent might have while the loan is being processed for approval
  5. Maintain sales district by continually updating the Real Estate Agents on changes in rates, policies, procedures, and underwriting requirements
  6. Promote good will throughout sales area so that we will keep receiving loan applications
  7. Ensure that all applications fall within the prescribed specifications the Mortgage Division
  8. Keep in periodic contact with the lenders to receive messages and current information on rate changes
  9. Attend meetings, conferences, and seminars to continually update skills in the solicitation and selling of all types of mortgages in the primary and secondary market
  10. Perform all other related duties first community mortgage careers may be periodically required
  11. Complete inquiry/application logs
  12. Prepare notice of Adverse Action when applicable for inquires

 

Knowledge, Skills, and Abilities

Knowledge of personal computers and data processing systems associated with mortgage operations is required.  This job requires the ability to meet established deadlines, work productively in groups and individually, communicate effectively in writing and orally, operate standard office equipment, work extended hours occasionally, and travel to various client locations and training activities as needed.

NMLS registration is required

START YOUR APPLICATION

Источник: https://fcbot.hrmdirect.com/employment/job-opening.php?req=1686917&&&nohd

Atlanta-based Brendan Cundiff brings his mortgage know-how first community mortgage careers help FCM onboard other lending pros

ATLANTA, Feb. 12, 2021 /PRNewswire/ -- First Community Mortgage (FCM) has named Brendan Cundiff Retail Transition Account Manager. Cundiff's focus is helping individual lenders as they join FCM's rapidly growing organization.

Brendan Cundiff - First Community Mortgage

"Brendan is an experienced pro whose wide range of expertise in the mortgage industry makes him a great fit for our retail transition team," says Dan Smith, President of First Community Mortgage. "He's a great loan officer who also knows mortgage systems inside and out and how to build a mortgage file of exceptional quality and completeness, so the lending pros becoming part of the FCM team are in terrific hands."

In addition to 17 years' experience in the industry – spanning roles from processing to sales and area management, Cundiff is a licensed insurance agent and a graduate of Appalachian State University (Bachelor of Business Administration).

"This is an exciting time can you take money off a walmart gift card the mortgage industry with a lot of opportunity and movement," Cundiff says. "Many lending pros are looking to maximize what they can do for their careers and their clients, and I'm excited to be able to share the FCM edge with them, including great leadership, support, systems chase atm cash withdrawal limit culture."

Away from work he enjoys coaching children's football; "the greatest game ever invented," he says. He and his wife reside in Alpharetta.

First Community Mortgage, Inc. is a wholly owned subsidiary of First Community Bank of Tennessee, and includes Wholesale, Correspondent first community mortgage careers Retail divisions. FCM is a FNMA, FHLMC, and GNMA seller/servicer and offers mortgage solutions to consumers and financial institutions. It funded over $3.5 billion in home loans in 2020. First Community Mortgage is an Equal Housing Lender, NMLS ID 629700. www.FirstCommunityMortgage.com

Cundiff (NMLS# 112480) can be reached at 404-451-4624 or [email protected]

Media inquiries
B. Andrew (Drew) Plant
[email protected]
678-637-5532

First Community Mortgage
Megan Chastain, VP of Marketing
[email protected]
731-610-1504

FCM logo
Cision

View original content to download multimedia:http://www.prnewswire.com/news-releases/first-community-mortgage-continues-growing-retail-transition-team-301227327.html

SOURCE First Community Mortgage

Источник: https://www.yahoo.com/entertainment/first-community-mortgage-continues-growing-134400522.html
first community mortgage careers

First community mortgage careers -

Mortgage Loans

Whether you're buying your first house or your retirement dream home, we know the importance of getting a mortgage you can live with. Our goal is to make your financing search quick and enjoyable, with great terms and competitive rates ... and plenty of personal attention along the way. 

The best part, no matter where your dream home is located First Community Bank can help make it a reality with one of our many in-house & secondary market mortgage options^. To get started call or email a First Community Bank mortgage lender directly or visit any First Community Bank. 

Find Your Local Lender

OR

Find A Local Branch

Once you close on your First Community Bank home loan, you're automatically entitled to certain perks available to our mortgage customers. Below are some of the additional benefits you can start to enjoy right away.

      • Access to our Community Free Checking account*
      • No service fees when you select electronic statements**
      • No charge for your first box of checks
      • Free, small safe deposit box for one year (available only at branches offering this service)

NMLS: 423539; NMLS Mortgage Lender Directory

Источник: https://www.firstcommunitybank.com/borrow/mortgage-loans

Carolina Beach resident joins First Community Mortgage


First Community Mortgage has named Tyler Smith as a branch manager in its Wilmington office. Smith can originate mortgages for consumers in the many markets in which FCM is licensed across the country, focusing primarily on North and South Carolina, as well as Florida, Pennsylvania, South Dakota, Texas and Virginia.

More: Final building to round out longtime Wilmington business park

More: PPP loans: Check out which Wilmington area businesses received a loan

More: Top 8 things to know about Wilmington's hot real estate market

Smith makes his home in Carolina Beach with wife Whitney, daughter Ellarie and miniature goldendoodle Kaya. He is active in serving his community and philanthropic causes that are uplifting and support personal growth.

Smith was a SuperPrep All-American quarterback in high school and played college football for Maryland University and Elon University, and continues his focus on fitness and health as a certified Strength and Conditioning coach and a USA Weightlifting coach. Away from work he enjoys hanging out with family, beach life, fishing, surfing and riding his motorcycle, and notes that the family dog goes everywhere with them.

First Community Mortgage Inc. is a wholly owned subsidiary of First Community Bank of Tennessee, and includes wholesale, correspondent and retail divisions.

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Источник: https://www.starnewsonline.com/story/business/2021/08/10/tyler-smith-new-branch-manager-first-community-mortgage/5481178001/

Atlanta-based Brendan Cundiff brings his mortgage know-how to help FCM onboard other lending pros

ATLANTA, Feb. 12, 2021 /PRNewswire/ -- First Community Mortgage (FCM) has named Brendan Cundiff Retail Transition Account Manager. Cundiff's focus is helping individual lenders as they join FCM's rapidly growing organization.

Brendan Cundiff - First Community Mortgage

"Brendan is an experienced pro whose wide range of expertise in the mortgage industry makes him a great fit for our retail transition team," says Dan Smith, President of First Community Mortgage. "He's a great loan officer who also knows mortgage systems inside and out and how to build a mortgage file of exceptional quality and completeness, so the lending pros becoming part of the FCM team are in terrific hands."

In addition to 17 years' experience in the industry – spanning roles from processing to sales and area management, Cundiff is a licensed insurance agent and a graduate of Appalachian State University (Bachelor of Business Administration).

"This is an exciting time in the mortgage industry with a lot of opportunity and movement," Cundiff says. "Many lending pros are looking to maximize what they can do for their careers and their clients, and I'm excited to be able to share the FCM edge with them, including great leadership, support, systems and culture."

Away from work he enjoys coaching children's football; "the greatest game ever invented," he says. He and his wife reside in Alpharetta.

First Community Mortgage, Inc. is a wholly owned subsidiary of First Community Bank of Tennessee, and includes Wholesale, Correspondent and Retail divisions. FCM is a FNMA, FHLMC, and GNMA seller/servicer and offers mortgage solutions to consumers and financial institutions. It funded over $3.5 billion in home loans in 2020. First Community Mortgage is an Equal Housing Lender, NMLS ID 629700. www.FirstCommunityMortgage.com

Cundiff (NMLS# 112480) can be reached at 404-451-4624 or [email protected]

Media inquiries
B. Andrew (Drew) Plant
[email protected]
678-637-5532

First Community Mortgage
Megan Chastain, VP of Marketing
[email protected]
731-610-1504

FCM logo
Cision

View original content to download multimedia:http://www.prnewswire.com/news-releases/first-community-mortgage-continues-growing-retail-transition-team-301227327.html

SOURCE First Community Mortgage

Источник: https://www.yahoo.com/entertainment/first-community-mortgage-continues-growing-134400522.html

Ready to take your Career to new heights? Soar With Us

Work At Freedom

Soar With Us

Here at Freedom, we’re ambitious, restless, and hungry to reach new heights for our customers and for ourselves. We’re deeply committed to caring for the communities in which we work. Focused and determined, we’re wired to help our customers and each other as we continue to achieve incredible results.

Who we are
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Featured jobs

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Post Payoffs Processor

Soar With Us   Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financia…

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Post Payoffs Processor

Soar With Us   Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financia…

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Staff Accountant

(This position will be primarily remote but will have to go into the Marlton, NJ office eventually occasionally) Summary: The Staff Accountant will be responsible for financial recording and …

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Customer Success Agent

Customer Success Agent Soar with Us Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financial betterment and home…

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Customer Success Agent

Customer Success Agent Soar with Us Flying ahead of the flock for over 30 years, we at Freedom Mortgage have taken millions of Americans under our wing and helped them achieve their dreams of financial betterment and home…

SaveSaved

Top Workplace

Freedom Mortgage has been named a Top Workplace since 2016

Core Values

The heart of all we do

At Freedom, we’re constantly striving to make a difference to millions of people through the hard work and dedication of our incredible teams. Our working culture is supported by 4 key pillars: Relentlessly seek possibility, Take tremendous pride, Feel like family, and Invest in yourself. These fundamental characteristics have helped us fly ahead of the flock for over 30 years and are pivotal to our ongoing success.

Our culture
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Our Teams

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Sales

Our Loan Advisor teams help customers choose the right financing option for their needs by educating and guiding them every step of the way.

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Underwriting

Working within industry and legal guidelines as well as secondary market investor standards, our Underwriting teams examine the accuracy and completeness of loan documents, assess creditworthiness and risk, while working collaboratively with Sales and Operations.

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Servicing

Our Servicing teams are responsible for addressing key support issues throughout the life of each mortgage loan: collections, loss mitigation, escrow processes, customer inquiries, and other integral components of customer account management and maintenance.

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Corporate

From Human Resources to Marketing, and from Finance to Legal, our integral core departments keep our processes running smoothly.

Grad

Graduate Programs

Our various “First Flyers” programs provide the training, mentorship, and networking to have new college graduate participants earning while learning during their first 12-18 months, as they launch into a successful career at Freedom Mortgage.

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Information Technology

Our IT teams keep data and technology running throughout the entire organization efficiently and safely. They implement digital transformation and innovation initiatives for our customers and our team members.

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Operations

Our Operations teams are essential in the processing of all contracts and applications to ensure loans move through to closing and all customer inquiries are addressed and resolved.

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Wholesale & Correspondent

We provide best-in-class service for both Correspondent and Wholesale lending partners, with a focus on innovative products and B2B solutions designed to suit every client and borrower need.

Retail

Fast Track

The Fast Track Program is an on-the-job training program for experienced professionals looking to make a career change into the mortgage industry – specifically to become a licensed Loan Advisor.

Diversity

Freedom to be you

At Freedom Mortgage, we nurture and celebrate the uniqueness and ideas powered by the diversity of people, thoughts, and experiences. We are committed to the continual growth of a workforce that is as diverse as the communities we serve. A diverse team keeps us learning, growing, and soaring.

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Graduate Talent

Spread your wings and soar

Our “First Flyers” program is focused on helping new grads transition from the world of academia to the world of work.

Learn more about graduates
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From our employees

The continued growth that Freedom Mortgage is experiencing is what really motivates me.

From our employees

It’s important to take time out to recognize team achievements, both big and small.

Источник: https://careers.freedommortgage.com/

Update April 3, 2020 5:41 p.m.

Union Home Mortgage

To accommodate the current disruption in the market, Union Home Mortgage modified its re-verification process and other overlays.

  • Age of documents: The age of document requirements have been reduced from four months to two months for most income and asset documentation.
  • Verbal re-verification of employment: When UHM is not able to obtain a standard verbal verification of employment, the lender can accept an email sent from the employer’s work address, year-to-date pay stubs from the pay period that immediately precedes the note date or an asset account statement evidencing the payroll deposit from the pay period that immediately precedes the note date.

Story publishedFriday, April 3.

As market volatility increases due to the coronavirus pandemic, mortgage lenders are increasingly tightening their lending standards to add in increased protections against borrower default.

Specifically, many lenders are adding overlays to their origination process. Overlays are new lending policies that dictate new standards for certain mortgages, such as raising the minimum FICO credit score to quality for a Federal Housing Administration loan.

These changes come as it becomes more difficult for lenders to check the borrower’s ability to repay their loan as unemployment surges and data is updating and changing daily due to COVID-19.

A total of 6.65 million people filed jobless claims in the week ended March 28, the Labor Department said on Thursday. That’s up from the prior record of 3.31 million for the previous week, which was revised upward.

Because of this, United Wholesale Mortgage added an extra verification of employment check on the day of closing. And other lenders have stepped up to add what UWM CEO Mat Ishbia called, “prudent lending standards that might become the new norm.”

Caliber Home Loans

Due to the ongoing impact of COVID-19 causing volatility in the markets and difficulties in underwriting credit risk, Caliber released several overlays for its conventional, jumbo and government products, including:

  • Age of documentation: Effective with submission dates on or after April 3, 2020, the age of documentation requirements is being reduced. Income and asset documentation must be dated within two months (60 days). If an asset account is reported on a quarterly basis, the most recently issued quarterly statement must be obtained.
  • Verbal VOE: All verbal VOEs must be completed and be done within three business days of the note date, validate the borrower is currently employed and not on leave or furlough, confirm that the borrower’s hours and pay have not been impacted in the last 30 days and be completed by an HR representative, owner or digital vendor.

For those that are self-employed, the borrower must provide a written statement that the business is open and operational and that the COVID-19 effects will not have a material impact on the financial statement provided at time of approval. If bank statements are unable to be obtained, then the qualifying income must be reduced by 25% and be deemed acceptable to move forward.

  • Rental income: Rental income may only be used if the borrower’s FICO is greater than 700 and the borrower can document six months of reserves for each financed property in which rental income is being used to qualify. If the FICO and reserve requirements are not met, then the borrower must qualify with the full PITIA for the subject and other REO properties owned.

Arc Home

Arc Home also announced new overlays due to the ramifications from COVID-19, which it noted in a letter to brokers.

  • VOE: A verification of employment within 10 days of closing in the form of verbal confirmation, an e-mail directly from the employer’s work e-mail address that identifies they are someone who is authorized to provide the Borrower’s employment status (Human Resources or Immediate Supervisor) as well as the borrower’s name and current employment status; year-to-date paystub from the pay period that immediately precedes the Note Date; or an asset account statement, meeting Fannie Mae and Freddie Mac documentation guidelines, evidencing the payroll deposit from the pay period that immediately precedes the Note Date.
  • Self-employment: For self-employed borrowers, verification that the Borrower’s business is operational should be obtained within 15 days of the Note Date.

Parkside Lending

Parkside Lending announced that, in light of businesses closing and others working remote, it is implementing several updates to its validation staff when verifying employment.

VOE: If no one answers and their voicemail states they are close due to coronavirus, the lender will reach out to the broker and see if it can get a business email address for a person who can help verify. It will also ask brokers for assistance with a phone number (landline or mobile) to reach the appropriate staff for validation.

U.S. Bank

Effective April 3, 2020, U.S. Bank added several overlays for government loans including FHA, VA and USDA.

  • Minimum FICO: U.S. Bank increased its minimum FICO requirement to 680.
  • Debt-to-income: The bank implemented a maximum DTI of 50%.
  • Underwriting: Manual underwriting is only allowed on FHA streamline refinances and on VA IRRRL transactions.
  • Transaction type: FHA streamline refinance and VA IRRRL transactions is only available if U.S. Bank is the current servicer.
  • Funds for Closing: Borrowers must have a minimum FICO score of 700 with a maximum DTI of 43% when any funds used for closing costs or down payment are not borrower’s own funds or gift funds.

First Community Mortgage

Human Mortgage by First Community Mortgage continues to take measures, including additional overlays, to adapt to the market disruption brought about by the spread of the COVID-19 virus.

  • VOE: FCM is requiring a verification of employment to be completed within three business days on all loan programs. Due diligence should be used in obtaining the most recent income documentation to reverify the borrowers repayment ability prior to closing. When originators are unable to obtain a verbal verification of employment within three business days of loan closing due to a temporary closure of the borrower’s employment, alternatives should be explored. For example, email correspondence with the borrower’s employer is an acceptable alternative to a VVOE. If unable to obtain a VVOE or acceptable alternative, the requirement will be waived when the borrower has a minimum of two months cash reserves.

This is a developing story and is being updated with information and quotes as they come in.

Источник: https://www.housingwire.com/articles/mortgage-lenders-are-tightening-standards-as-coronavirus-crisis-worsens/

First Community Bank of Tennessee buying mortgage lender

First Community Bank of Tennessee in Shelbyville has agreed to buy a mortgage lender in Murfreesboro, Tenn.

The $814 million-asset bank said its First Community Mortgage unit will acquire A Mortgage Boutique. First Community did not disclose the price of the deal, which is expected to close this month.

“We are excited to partner with the team at AMB,” Keith Carter, First Community Mortgage’s CEO, said in a press release Thursday. “There is strong alignment between our two organizations, particularly in the value we place on people … and the communities we serve.”

First Community Mortgage’s wholesale division plans to rebrand as A Mortgage Boutique after the deal closes.

Retta Gardner, a co-founder of A Mortgage Boutique, will join First Community Mortgage as executive vice president of the wholesale division. Nancy Skinner, the mortgage lender's president and another founder, and K.J. Harden, who leads retail sales, will also join First Community Mortgage.

A Mortgage Boutique was founded in August 2019. It operates in Alabama, Florida, Kentucky, Ohio, Tennessee and Virginia.

First Community Mortgage operates in 46 states. It funded more than $3.5 billion in home loans last year.

Источник: https://www.americanbanker.com/news/first-community-bank-of-tennessee-to-buy-mortgage-lender

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Change Lending, LLC, dba Change Home Mortgage (“CHM”), is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 16845 Von Karman Avenue, Suite 200, Irvine, California 92606. (833) CHM-0123. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – licensed by the N.J. Department of Banking and Insurance; OH: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. For other states, click here. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice. CHM AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY.
© 2021. Change Lending, LLC. All rights reserved.

Источник: https://www.changemtg.com/

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