Accountability Consistency Transparency

NMLS 129777

You can count on consistency and service with IFFG.

3 Keys to your Success in 2017

Transparency & Reporting

Training

Tool Box

1

3

2

Enterprise CRM with automated marketing campaigns

Mobile Application

Dedicated recruiter, creative products, non qm, new doctor

loans, DAPP’s and more.

Dedicated corporate trainer available on webinars and office visits to ensure all branches are working as efficiently as possible

Dedicated HR to support the new hire and onboarding process

Dedicated loan transition team to help originate any loans during transition to ensure they close on time.

Daily reporting available for all roles to ensure they are working on the right files.

Transparency through online branch P&L’s and robust reporting on all branch pipelines and trends

Mobile App CRM Cycle time reportingto track performance

Branch/LO Websites

Service Portal for live support

HR Team Dedicated IT resources

Cloud Computing for people in the field

Onboarding Team

Ongoing training

Web Based resource center

MLO TOOLBOX

Training & Onboarding Team

At IFFG we know switching companies is not easy. That is why we have a dedicated team assigned to

make this transition as smooth as possible.

HRWill walk you through new hire paperwork, benefits packages & offer letter.

Corporate TrainerOffers trainings specific to each new hires role at IFFG to ensure

to sucess.

Transition loan team: Assigned Division Manager:Will handle the originations

on any loans you may refer to us while working on sponsorship.

Will be there to ensure that corporate knows the specifics of your hire and will ensure a smooth boarding.

IFF

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Opportunities

MLO’sWe support our sales team with service, technology and leadership to help them thrive.

Aspiring ManagersIdeal opportunities for Loan Originatros ready to take their careers to the next level in management.

Branch Managers-our team of Division Managers partners with our branches to help them grow and succeed at IFFG.

Branch Managers

Regional Managers-our entrepreneurial spirit allows Regionals to expand their branches knowing that not all opportunities fit in a single box.

Regional Managers

IFFG has been expanding its footprint to over half thenation and continues to expand.In addition, we have no set territories for our managers which means you can grow your business and branches in any of the states we lend.

We hedge 95% of our pipeline allowing for more aggressive pricing structures

Entrepreneurial Pricing model

Differentiate yourself in the market with proprietary products including a full non QM suite underwritten in house

Work directly with management to carve out a model that will make you competitive in your market.

Flexible & Competitive Pricing Model

Conforming Products FHA

FHA Streamline non-credit qualifying options

20+ correspondent lenders

FHA High Balance available

No minimum trade line requirements

203k Full and Streamline options

1 Time Close Construction to Perm (stick built & manufactured)

Manual underwrites available

Credit Scores to 580

Ability to broker loans

20+ correspondent lenders

Medical Doctor Loan Program, use future income to qualify & exclude student debt

97% financing available (Home Ready/Home Possible) with PMI & condos (first-time buyers only)

Fixed Rate & HELOC 2nds available with Piggy Back transactions to 95% CLTV

DU Refi Plus and Freddie Mac Open Access programs

Fannie Mae Homestyle Renovation Program

Long-term rate locks available

Credit Scores Down to 620

Ability to broker loans

Products & Pricing (1/2)

14+ correspondent lenders

Non-warrantable condo options

90% LTV on SFR/condo to $850,000 as fixed or ARM

85% LTV with no monthly MI on SFR/condo to $1,500,000 as 30 year fixed

80% LTV to $2,500,000

70% LTV to $3,000,000

ARM interest only

Jumbo

Non QM (IFFG Specialty Lending Division)

24 Month Bank Statement Programs to 85% & 2 Million

12 Month Bank Statement Programs to 80% & 2 Million

Stated Income Programs to 75%

Asset Depletion to 75%

Non Warrantable Condos to 75%

Jumbo to 90% no PMI

Foreign National to 75%

Interest Only to 80%

Multi Family/Commercial Lending

Reverse Loans (brokered)

Non QM (IFFG Specialty Lending Division)

VA & USDA

15+ correspondent lenders

IRRRLs

VA Jumbo

1 Time Close Construction to Perm (stick built & manufactured)

Manual underwrites available

Credit Scores to 580

Ability to broker loans

VA & USDA

DPA & MCC programs available

State Bond Programs

(2/2)Products & Pricing

I have been a loan officer at IFFG for almost 8 yrs because they always have my back. Our interest rates are top notch, they have built incredible systems that make the loan process as smooth as possible and the owners of the company are truly accessible and value my opinion. I am not just a number among a sea of countless LO’s, but a valuable contributor to the team with a real voice in the company.

Dustin Gildersleeve-CA#1 Originator-2016

About IFFG

“ IFFG has been in business over 10 yearsand I believe we owe the lion share of success to our great team. The employees at IFFG are excited to come to work every day becausewe know we are helping our end customers with one of the biggest financial decisions intheir lives. As teammates we all know we need to go out of our way to give every clientthe best loan possible without sacrificing service, experience or integrity. In today’s competitive market you need to align yourself with the best. What does this mean? It means delivering competitive pricing, cutting edge technology, first class marketing support and a knowledgeable staff all focused on the single goal of closing loans so quickly that referrals pour in. At IFFG we have an operations staff 2nd to none to help make this happen. Because of our streamlined process we are able to close loans fast and in turn make our loan officers and branches more money. We would love to hear from you and discuss how we may customize an opportunity to meet your goals.

I look forward to working with you. ”Alex Barnett-CEO/Partner

John WarnockDivision ManagerCorp NMLS: 129777PH: 727.415.8879Email: johnw@iffghomeloans.com www.joiniffg.com

I look forward to speaking with you!