March 2022 ~ Jacksonville Real Producers

DAN Ribler

fiber.mortgage

partner spotlight

By Zachary Cohen

TAKING THE MORTGAGE LENDING WORLD BY STORM

There are all the traditional mortgage companies, and then there’s fiber.mortgage.

“There are a thousand ‘old school’ lenders who have done it the same way for 30 years, and then there’s fiber,” Dan Ribler begins.

The company’s vision is simple — to amaze more customers than last month. To accomplish this, fiber.mortgage has created systems that result in a simple, repeatable mortgage lending process. Rather than relying on the way things have always been done, they have reimagined the most effective way to do business.

“We’re hands down the fastest mortgage process on the planet,” Dan says.

For REALTORS®: More Listings. More Buyers. More Closings.

Fiber.mortgage places a high priority on their partnerships with real estate agents. They’ve developed seven concrete ways in which they support their partners. Instead of leading with a hand out, the fiber.mortgage team leads by giving.

“There are at least seven things we do for REALTORS® to help them find more closings. Only one of those seven involve sending business to a fiber loan officer,” says Dan.

While Dan didn’t share all of the “secret sauce” recipe, he mentioned that the team at fiber.mortgage has tools and support to help agents make the most of their lead generation efforts, improve their lead conversion performance, help their partners get their offers accepted in multiple offer scenarios, and in some cases, even compete with cash offers.

Seeking to Amaze

“Amaze more customers,” Dan continues. “That’s our mission statement. That’s what we’re all about here at fiber.mortgage. It’s just three words, but they are all massively important.”

You’ll hear the entire fiber team talk about “amazing more customers” regularly in the office.

“Amaze” means closing a loan in seven calendar days, not thirty. A clear-toclose that fast and painlessly helps REALTORS® get more referrals from each transaction. “Amaze” means building technology that allows REALTORS® to generate pre-approval letters in custom amounts from their phones (only after the borrower has been fully approved, of course).

“More” reflects fiber’s commitment to growth. In the past 12 months, fiber.mortgage has gone from 25 to over 50 employees, and they plan to continue growing.

“Customers” are both external and internal.

“Obviously, the buyers and the REALTORS® are the loan officer’s customers,” says Dan, “but we have internal customers too. Our loan officers are customers for the processors, and every fiber employee is a customer for me and the rest of the leadership team.”

Dan is one of the few mortgage broker-owners who doesn’t originate loans himself.

“I am licensed to originate, and I can write loans, but my focus is on making sure every customer is properly amazed. Any REALTOR® who sends a loan to a fiber LO absolutely gets my cell number. I tell everyone to call me if they aren’t getting ‘eleven out of ten’ service,” Dan smiles, “but my cell is pretty darn quiet on this front. I’m blessed to get to work with a truly amazing team at fiber.”

The fiber.mortgage Process

“We focus on building and constantly improving on a process that is pretty darn bullet-proof. It’s massively important to me that we never send a bad pre-approval and that our team takes the time to structure every file correctly.”

After each loan file has been submitted, the in-house loan processing team at fiber works every loan, every day.

“A lot of lenders and brokers use third-party processors. We would never entertain that idea here,” says Matt Brader, who oversees processing at fiber. “Not only is it more expensive for the buyers, but we’d have a lot less control over the consumer experience and origination process.”

The fiber team takes the loan process very seriously. The in-house processors truly are in-house. All processors come into the office every day to ensure everyone has enough support for every file to be processed cleanly.

“I’m really proud of the work our processors do,” Dan explains. “I think the purest grade of the quality of their work can be found in our online reviews.”

We’re hands down the fastest mortgage process on the planet.

Word on the Street

Fiber.mortgage’s reviews are pretty impressive. As of today, fiber sports 127 Google reviews; every single one of them is five out of five stars. It’s the same story on Facebook, LendingTree, and Zillow – hundreds of reviews, all five stars.

Processor Team: Dan Ribler, Shania Campbell, Tricia Washington, Angelica McPherson, Elliott Ramos, Maria Espinoza, Matt Brader

“If we help our REALTOR® partners grow their book of business, we’re doing it right,” says Dan. “Of course, our rates are silly low, and our loan process is super fast, but that’s just table stakes. At fiber, we do our best to make the REALTOR®/Loan Officer relationship a true two-way street, which means helping them generate more closings in a really short period of time.”

For more information, visit fiber.mortgage.

Dan loves spending his free time with his family and especially enjoys being a flag football coach.