BETTER BUSINESS T H R O U G H B E T T E R PA R T N E R S H I P S
GetMyHomeLoan.com
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Let us help your clients get into the home of their dreams!
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GetMyHomeLoan.com
TABLE OF CONTENTS 4-5
Who We Are
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Our Products
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The Digital Mortgage
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Our Process
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Mortgage Technology
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Co-Branded Marketing
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Meet Our Team
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Contact Info
GetMyHomeLoan.com
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GetMyHomeLoan.com
WHO IS
SYNERGY ONE
LENDING? Synergy One Lending is committed to simplifying the home buying experience. •
Offering best-in-class digital mortgage technology to streamline the process
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Dedicated to closing loans on time, every time with no exceptions and no excuses
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Offering a broad set of mortgage products and options
Synergy One Lending is helping create the modern mortgage experience for you and your clients. Our mission is to be known as the nation’s #1 lender in three distinct areas: customer satisfaction, employee morale & retention and reputation among our peers.
FHA, VA and USDA Loan Programs
Broad Jumbo Product Offering
Down Payment Assistance Available
Digital Mortgage Business Strategies
GetMyHomeLoan.com
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SOLUTIONS FOR ANY CLIENT
GetMyHomeLoan.com in conjuction with Synergy One Lending, creates the modern mortgage expereince for you and your clients. Our mission is to earn your trust every chance we get along the way to making your client’s dream of home ownership a reality. CONFORMING FIXED 30, 25, 20, 15 & 10 Year Terms Our professional advisors take the time to educate our borrowers about the loan process and their specific situation in order to provide the best possible housing solution. You can rest assured knowing that we truly have the clients best interest at heart.
CONFORMING ARMS 5/6, 7/6 and 10/6 ARMs
RENOVATION LOANS CONVENTIONAL AND FHA FHA Down to 600 Credit Score
VA Down to 620 Credit Score
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USDA JUMBO FIXED, ARM AND INTEREST ONLY PIGGYBACK 2ND OPTIONS
In addition to our Basic Product Offerings, our mortgage professionals also have a number of non-conventional loan products to suit any borrowers needs.
S1L NON-QM
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INT RO D UCI N G
S1 CONNECT THE MODERN MORTGAGE EXPERIENCE
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TM
Real Time Notifications for your Clients
Eliminate the Paper Chase
Upload Documents via Mobile Phone Camera
Improve the Client Experience
GetMyHomeLoan.com
Just Some of What You Can Do with Your App
1 Get Your Branded App I’ll set up the app to have your branding. I’ll then help you get the app on your phone. Putting the app in the hands of clients gives them a digital business card, so they always know how to contact you.
GetMyHomeLoan.com
2 Share Your App Once your app is setup with your branding and your tools, you can easily get it in the hands of your clients. Simply use the “Share This App” button, put in your client’s relevant contact info, and they’ll get a link to download your app!
3 Know Where Your Loans Are Ever feel like you’re out of the loop with where a loan is? With the S1 Connect app, you can instantly view where your clients loans are, making it easier for you to be a part of the whole process.
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WE’LL HELP YOUR CLIENTS GET
INTO THEIR DREAM HOME! We provide your clients with the tools they need to purchase a home. Affordable
Dependable
We offer programs with closing cost and down payment assistance that can:
Our fixed rates mean clients know their payments for the life of the loan.
• Reduce out-of-pocket due at closing or
Possible
• Reduce monthly payment by covering mortgage insurance with a one-time payment
Our qualified loan officers specialize in helping 1st time home buyers.
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GetMyHomeLoan.com
OUR PROCESS
STEP 1 Borrower submits application through S1 Connect app; Credit is pulled through Encompass and DU/ LPA is ran; Borrower assets are validated through the S1 Connect app via Finicity. OR Loan Officer takes borrower application and obtains qualifying information; Credit is pulled through Encompass and DU/LPA is ran; Loan Officer then enters client information in Encompass and requests VOA/ Finicity.
STEP 2 Loan Officer requests verification through Work Number or Data Verify.
STEP 3
If VOA was not processed through S1Connect, borrower can be sent a request to proceed with Finicity for asset verification through Encompass.
After borrower acceptance of authorization for Finicity, VOA can be retrieved through Encompass and code for DU/LPA is received PROCEED TO STEP 3.
Work Number or Data Verify provides employment/income information. DU/ LPA is run to confirm validation.
After codes for assets/employment are received from Finicity and The Work Number, Loan Officer will re-run DU/ LPA with codes to receive electronic validation of assets, employment and income. Please note: Only codes for assets are entered, not income through The Work Number.
DU/LPA supports validation. No further income documentation is required from the borrower.
When Purchase Contract is signed, LO uses Smart Fees to obtain title fees or actual title fees, file is submitted to the Disclosure Desk.
Further documentation from borrower is required based on results of DU/LPA.
Results not supported.
DAY 1
DAY 2
DAY 3
DAY 4
DAY 5
Disclosures are sent, appraisal and title are ordered.
Processor receives disclosures back from borrower, orders any other services needed depending on DU/ LPA findings.
File is submitted to UW. If the file is not locked, LO locks and processor requests LE for COC for the lock.
UW reviews file and issues a Conditional Approval. Processor requests CD.
Processor gathers conditions, resubmits file to UW for CTC.
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DAY 9
DAY 8
DAY 7
DAY 6
Loan is funded and recorded
Final loan docs are signed and returned back to Synergy One
Docs delivered to Escrow for signing on next day (day 9)
UW signs off all conditions and approves file; CTC issued; file sent for Data Integrity review after CTC is issued.
File is in line for final review by UW. CD must be signed/ received in order for borrower to sign in escrow on Day 9 (assuming TRID wait period has been met).
GetMyHomeLoan.com
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THE BEST MORTGAGE TECH ON ALL OF YOUR DEVICES
Track loan status, request documents, and communicate with both the borrower and mortgage professional on any device.
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Constant social media updates across multiple platforms to provide relative, up to date information to past and future clients.
Powerful, mobile ready website with online application, referral portal, and review tracker.
GetMyHomeLoan.com
MARKETING M A D E
S I M P L E
Create beautiful, on-demand, and co-branded marketing material simple and fast through our partnership with Total Expert.
Generate functional and amazing open house listing websites to send to potential buyers and display at open houses.
Provide your potential clients with up to date neighborhood statistics including local amenities, school info, and comparable home listings.
GetMyHomeLoan.com
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Jerry Holcomb NMLS: 235440
Loan Officer
Phone (214) 680-4060
7700 Windrose Ave., Office 03-204 Plano, TX 75024 jholcomb@s1l.com
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GetMyHomeLoan.com
Jerry Holcomb NMLS: 235440
Loan Officer
Phone (214) 680-4060
7700 Windrose Ave., Office 03-204 Plano, TX 75024 jholcomb@s1l.com
GetMyHomeLoan.com
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THE BEST SERVICE STARTS WITH THE BEST PEOPLE
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CONTACT US
RICK SHELHORSE Branch Manager p: (817) 501-0315 e: rshelhorse@s1l.com
JERRY HOLCOMB
Loan Officer | NMLS #235440 p: (214) 680-4060 e:jholcomb@s1l.com
BRITTANY SHELHORSE Realtor, License #752184 p: (214) 537-1586 e: brittany@getmytxhome.com
Corey Simpson & Associates 1450 Harvest Ridge Lane, Prosper TX 75078
GetMyHomeLoan.com
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(972) 674-4994
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www.GetMyHomeLoan.com • www.S1L.com
Synergy One Lending, Inc., NMLS 1907235. 3131 Camino Del Rio N 150, San Diego, CA 92108. Toll Free #: (888) 995-1256. Synergy One Lending, Inc. is licensed in the following states: AK, AL, AR, AZ, CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act., CO, CT, DC, DE, FL, GA- Georgia Residential Mortgage Licensee., IA, ID, IL- Illinois Residential Mortgage Licensee., IN, KS, KY, LA, MA-Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC1907235, MD, MI, MN, MO, MS, MT, ND, NE, NJ- licensed by the N.J. Department of Banking and Insurance, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, WA, WI and WY. All Loans are Subject to Credit and Property Approval. Equal Housing Lender. www.nmlsconsumeraccess.org S1L.0621.20
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GetMyHomeLoan.com
