Better tools. Better products. Better technology. It’s all yours when you join The Caymol Mortgage Team, powered by First Community Mortgage. Our entire operation is designed to help you build your business while ensuring your loans close with optimal efficiency!
What Makes First Community Mortgage Different?
tHIS IS ALL YOU NEED TO KNOW
Each of us has our own version of the American Dream. Whatever it is, it usually involves a place we call home. Since 2002, it’s been our mission at First Community Mortgage to help more and more people secure their piece of the American Dream. Because when people have a home, it gives them a foundation from which to grow, to do bigger things and, in turn, build better communities. And who wouldn’t want to support that? Whether you are a first-time homebuyer or have purchased several homes, we support you in a way you have never experienced. Whether you need the one-on-one support with close attention or prefer to utilize our digital experience, you can feel confident knowing you have experienced professionals always on your side. Based in Murfreesboro, Tennessee, First Community Mortgage has operations and retail offices throughout the United States. We are licensed to lend in 46 states.
In addition to retail lending, our Wholesale Division provides underwriting and closing services to small banks, credit unions, and mortgage brokers.
HUNDREDS OF PRODUCTS
- CONVENTIONAL
- FHA
- VA
- USDA
- JUMBO
- CONST 1XC
- CONST JUMBO 1XC
- LOCK TO 180 DAYS
- FLOAT DOWNS
- RENOVATION
- 100% LTV DPA’S
- 2/1 BUYDOWNS
- MANUAL UW
- ALL NON-QM
- HOUSING/BOND
- SYMMENTRY
- MANUFACTURED
- NO OVERLAYS ON ON 99% OF FINDINGS
- DAY 1 CERTAINTY APPROVED
- PORTFOLIO JUMBO
- PORTFOLIO DOCTOR
- PORTFOLIO ITIN
- PORTFOLIO ARM 2ND HOMES
- JUMBO AND SUPER JUMBO
- DPA MMT
- COMMERCIAL BROKER
- ANGEL OAK BROKER
- OAK TREE BROKER
- ACRA BROKER
- LENDSURE BROKER
- LOANSTREAM BROKER
TBD APPROVALS WITH LOCK AND SHOP
Fully underwritten approved files for borrowers and agents:
- Credit, Income and Assets Approved
- Borrower can lock and shop for a property
- Borrower can exercise a float down option
- Close files in 10 days upon contact acceptance
CLOSING GUARANTEE
Our “Greenlight Plus Closing Guarantee” sets you apart!
- $5000 paid to the seller if the loan does not close on time
- 21 Day and 7 Day closing Guarantees
- Co-Marketing material for LO’s and Agents
- Not Eligible is VA
MARKETING ONBOARDING PLAN
The “Launchpad” is our 2 week Marketing specific onboarding plan to get your marketing up and running! Click below to see a sample 2 week plan.
INDUSTRY LEADING MARKETING
- Artificial Intelligence program that monitors your past and current database of clients and then sends you real time opportunity alerts. The same AI program can monitor the database of your Agents as well for opportunity alerts (ie, a past client has their credit pulled, their credit score increased, they list their home for sale, etc
- State of the art “SoftPull” program to market to Agents with their own branded SoftPull Link. Have your Agents do SoftPulls for all their clients! SoftPull marketing can be used in all your Drip campaigns and with all your leads
- CRM : Drip campaigns, Agent co branded apps, flyers, emails, landing pages, outbound dialing, text campaigns, etc
- Builder Affinity Program
- Automated Social Media Posts
- MSA/JVs with Agents
- 21 Day LO Quick Start Marketing Plans. Click on the below sample
Facebook Ad Program
- Purchase Leads with 90% of all leads not having Agents yet
- TBD Approvals from these Purchase leads that can be used to market to new Agents
- CRM to nurture leads with short and long term drip campaigns with texting, ringless voicemails and emails
- Cash out debt consolidation ad campaigns ready to go when the market starts to see same rate relief (WHICH IT WILL BY 4Q2023)
Google PPC Program
- High converting Purchase Leads
- Keyword based vs Social based produced higher quality leads with targeted adwords
- Precise targeting makes overall lead contact rates 3 times as high as other sources
- Easily move markets and states
- Target audiences based on LO expertise
Appointment Setters
- Appointment setters call leads on behalf of the Loan Officer
- Appointments are setup for the Loan Officer
- Leads are called within 30 minutes with some within 5 minutes
- Leads are called up to 5 times
- Recordings are made of all appointments through the CRM
- Closing Guarantees
- 24/48 Hr Underwriting
- No overlays on 99% of all files
- Paperless cradle to grave process
- Speak to UWs directly
- Processors clear conditions, not LO's
- Streamlined and effiecent ICD and CD process
- 7 Day Closings Pre- Approvals
- 21 Day Closing Pre-Approvals
- Follow AUS findings
- Same day closings
- Manual underwrites
- Appraisal Panels
- Day 1 Certainty
- Support Managers that advocate for the Branch
- Disclosure Desk
- LOA’s
- Setup Assistants
Our TECH stack is simply BEST IN CLASS!
From the award winning Point of Sale software SimpleNexus which works to unite the people, systems, and stages of the mortgage process into one streamlined solution. Clients can safely upload all of their documents, keep track of where they are in the loan process, and even use the payment calculator to play with different pricing options.
Or WOW your borrowers and partners with Mortgage Coach, that has everything from loan scenarios that feature charts, graphs and videos to market news that can help you pick up on rate fluctuation. Add in tons of other informative materials, you will quickly become a trusted advisor for life.
NEW HIRE ONBOARDING/TRAINING
Industry leading new hire Onboarding and training program because quite simply, this is crucial to your success!
- Dedicated team to help you get settled into your new work home.
- Customized approach to suit each individual LO’s needs.
- Assigned to a Onboarding Account Manager who will help alleviate the common stressors of beginning at a new company.
- Your go-to guide for the first 4 months.
- One on one attention with your Onboarding Account Manager to help structure your deals whether by screenconnect or in person
PRODUCING SALES MANAGERS WITH TEAMS
New teams that are hired or LO's that want career advancement!
- Ideal for a team of 3 or more Loan Officers including the Producing Sales Manager
- Ability to have your own Satellite office
- Overrides up to 30bps from team production
- Quarterly unit bonuses
- Ability to have your own P&L
QUICK TIDBITS
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Full Benefits including Medical, 401k, Vision, Dental, etc and available the 1st day of the month following 30 days of service
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Speak to underwriters directly
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Processing is local
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LOAs available with minimum production requirements
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We underwrite from AUS findings
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Regional rate surveys to ensure we keep rates competitive
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7 Day and 21 Day closing guarantees
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Rush underwrites at 4 hours
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AMAZING Marketing support from Joint Ventures, Builder Affinity Programs, CRMs and more
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Cutting edge technology at every corner
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Multiple DPA products
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Tax ID and DACA
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Branch start up program for Producing Managers with teams
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Loan Officer Quick Start plan available
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Loan Officer 21 Day Marketing Plan available
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Hybrid E-closings
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Top Producers clubs/trips
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Dedicated Onboarding team for 4 months!!!!!
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Attend Seminars and Conferences
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Originate loans nationwide with few exceptions
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Broker out loans with no reduced compensation
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Loan Officers do not process loans!
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Infrastructure to work 100% remotely if needed
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Loan Officer personal credit not an issue with hiring
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Hiring process between 7 and 10 days in most cases
Loan Officer 21 Day Marketing Plan available
Leadership
EXECUTIVE LEADERSHIP
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
PRODUCTION LEADERSHIP
Tim Elkins
CHIEF PRODUCTION OFFICER
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Tim Elkins
CHIEF PRODUCTION OFFICER
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Tim Elkins
CHIEF PRODUCTION OFFICER
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
Steve Thompson
PRESIDENT & CEO
CONTACT US TODAY!
Join the home of modern origination. Are you a mortgage superstar ready to dominate your local market? Take the first step below: