Second Avenue: Generate loans using your loan officer structure

Your Lending Officer markets directly to your customers, conducts the application interview and generates the Truth in Lending documents, allowing you to earn a greater level of RESPA- compliant income. A dedicated First Cal team trains your existing lending officer(s) on conducting a 1003 interview, prequalification, pricing and product knowledge as well as preparing Truth in Lending documents.

Now earn fee income without having to maintain a high cost loan processing infrastructure. We handle everything from the point of application through processing, submission, underwriting, document preparation and closing. Your Lending Officer can focus on generating new business while keeping an eye on the progress of all loan applications.

Advantages are:

• More control of the lending process
• Increases fee income potential
• Opens the door to a wide variety of loan products
• Reduced credit risk and risk to capital
• Low start-up costs
• Support from an experienced mortgage banking company located in California