InterLinc Mortgage Services, LLC. NMLS# 205696InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf the
InterLinc Mortgage Services, LLC. NMLS# 20569601InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf theOur Origin 02Pioneering Your Path 03Products in Orbit 04-05Our Celestial Technology Stack 06-07All Systems Go with InterLinc On Time 08A Cosmic Mortgage Experience 09Elevated Marketing 10-12Empowered Operations 13-14An Out-of-This-World Onboarding Experience 15 Interstellar Crew, Culture and Community 18InterLinc Family Foundation 19On the Horizon 20Contact Us 21CONTENT
InterLinc Mortgage Services, LLC. NMLS# 205696In 2004, InterLinc Mortgage began with only 4 employees who were all dedicated to one goal: to revitalize the way mortgages were done. Having spent their full careers in the mortgage industry, they recognized the opportunity to develop a superstars around them while placing a strategic focus on leadership, accountability and operational excellence, InterLinc grew to be home for hundreds of employees and 30+ branches nationwide. Where many organizations have regional layers, limited 1-1 availability or a reactive business structure, we partner, teach and continually invest in our production teams who have a desire to grow and thrive in their marketplace. We make big promises and fully intend to uphold them. At InterLinc, you can the pulse.OUROriginThe name of our company, InterLinc, is just what it denotes. We believe in interconnected links within the mortgage process: the Borrower, the Loan Originator and the Referral Partner. We are committed to our builders, Realtors and other partners who make homeownership possible. Since 2007, InterLinc has assisted more than 77,000 homeowners in To continue building upon that legacy, InterLinc’s goal is to help 25,000 families a year with their home people and by adding the right members to our crew, achievements, but as great as our past is, our future will be even greater.GENE THOMPSONInterLinc President and CEO02“Great companies are built by great people”InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf the
InterLinc Mortgage Services, LLC. NMLS# 205696Our Track RecordWe are proud to have some of the industry’s best call InterLinc their home. From operations to sales team members, our people are the reason for our results. PiOneeringYOUR PATHWhen you succeed individually, we shine corporately. Through systems, technology and support, we are actively looking for ways to help you achieve even higher lead and conversion potential. As we look ahead, we want to grow with ambitious, like- status quo. If you want to become a leader in your business, grow your market and are someone whose fabric is interwoven with the entrepreneurial spirit and mindset, there’s no better place to look than InterLinc. • Scotsman Guide Top Lenders• Inc 5000 Fastest Growing Private Companies• Inc 5000 Regionals Southwest• Houston Chronicle Top Workplaces• Houston Business Journal Middle Market Companies• Houston Business Journal Fast 100• National Mortgage News Best Companies To Work ForCustomer Satisfaction Rating: InterLinc also has retained impactful relationships across the board with our borrowers and partners at 98% satisfaction rating with over 32,000 5-star reviews.03
InterLinc Mortgage Services, LLC. NMLS# 205696PRODUCTSin Orbit04CONVENTIONAL1. Fannie Mae & Freddie Mac Fixed & ARMs & High Balance – Underwrite to Agency2. Home Ready & Home Possible• First Time or Repeat Homeowners• 97% LTV• Reduced MI• Credit Score 620 (pricing advantages if credit score is 680 or higher)3. Freddie Mac HomeOne• No Income Limits• 97% LTV• Fixed Only• 1 Unit (No manufactured allowed)• Primary Residence4. • Income at or below 100% AMI• 97% LTV• Fico 620• 5. 6. • Option 1: If no borrowers have a credit score, • Option 2: At least one borrower has no credit score and another borrower has a credit score.RENOVATION1. Fannie Mae HomeStyle 2. Freddie Mac Choice Renovation3. FHA 203(k) Limited4. FHA 203(k) Standard JUMBO1. case-by-case basis) 90% LTV• Specialty Product 89.99% LTV• No MI • 740 Min Fico2. • 90% LTV with LPMIBUILDER1. Bulk Forward Commitments2. Joint VenturesWith approvals from the three largest issuers of mortgage-backed securities, Fannie Mae, Freddie Mac and Ginnie
InterLinc Mortgage Services, LLC. NMLS# 205696PRODUCTSin OrbitInterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf the05USDA1. 2. 3. Manufactured Housing Pilot ProgramVA1. 2. VA IRRRL 3. High BalanceFHA1. 2. 3. High Balance4. 5. FHA Section 184 & 284 (Native American)BOND/DPA1. Bond • Products Available2. Non-Bond• Several City Grant Fund Programs Available • NICHE/PORTFOLIO1. 100% Financing/No MI• Conforming • Texas Only NON-QM1. 12-Month or 24-Month Bank Statement Program (Business or Personal)• 620 Min Fico• First Time Homebuyers Allowed 2. Asset Utilization • LTV up to 80% • 700 Min Fico3. Expanded Credit • Bankruptcy & Foreclosure 12-month seasoning with 620 score • • 80% LTV4. • • 90% LTV• 660 Min Fico• 5. 6. Investors with greater than 10 properties 7. 8. Non-Warrantable CondosBROKERED1. One-Time-Close Construction Loan• Conforming • Jumbo
InterLinc Mortgage Services, LLC. NMLS# 205696InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf theOUR CELESTIALTECHNOLOGY STACKHaving been recognized by Inc 5000 for their tech-stack and integrations, InterLinc is a proven player in The end-goal? More loans in less time with no hassle. Online VisibilityGrowing your brand awareness within your community starts online. Through InterLinc’s digital marketing team, your web presence is given special attention by building an online structure for you and your branch to thrive in your local market. Web strategies are established utilizing local search capabilities as well maintaining your business’ reputation and integrity.Survey PlatformWithin InterLinc’s advanced tech stack is Experience Management Platform (XMP) – the industry leader in leverage its potential through an automatic redistribution of positive reviews across the web, increasing InterLinc Mortgage Services, LLC. NMLS# 20569606
InterLinc Mortgage Services, LLC. NMLS# 20569607InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf theOUR CELESTIALTECHNOLOGY STACKInterLinc IQMortgage guidelines change frequently, but your access to up-to-date information shouldn’t. Find product information and guidelines on InterLinc IQ, your go-to destination for quick answers and educational resources. With this tool in your belt, your productivity is guaranteed to increase as wait times for getting your questions answered are decreased. Key Features:• Reference guides for agency guidelines on any given subject, updated in real time • “Ask the Experts” feature to get real-time answers from seasoned underwriters• Social media posts, pre-created email scripts and printed media to share with your referral network• Professional presentations and provided notes to use at lunch and learns• Online training classes and help videos available 24/7
InterLinc Mortgage Services, LLC. NMLS# 205696With InterLinc’s custom loan originator compensation tool, ILOT (“InterLinc On Time”), originators start their day with real-time, personalized insight into their pipeline and earnings.ILOT allows each LO to calculate their bonus and commission payments on production, review summaries and compensation details with data models All SyStemS gOWITH INTERLINC ON TIME08InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf the
InterLinc Mortgage Services, LLC. NMLS# 20569609A COSMICmOrtgAge exPerienceBetween our point-of-sale and loan origination systems, InterLinc provides each user and consumer alike a modern mortgage experience throughout the entire loan process. Our application process delivers an unmatched advantage to InterLinc consumers who have access to their custom borrower application portal, allowing 24/7 access to valuable resources.When it comes to our digital loan systems, we have paired up with some of the industry’s most reputable and respected group of partners, such as SimpleNexus and and structure on each deal you produce.Encompass LOSSimpleNexus POS• Order Credit• Order Credit• Request Pricing and Lock Rate• Personalized Mobile App• • Issue Pre-Approvals• Order VOAs, Appraisals, Flood Certs, MI Rate Quotes and FHA Case Numbers• View Loan Status via Borrower Portal• • Utilize Several Mortgage Calculators• Slim eClose Option• • Feature Highlights of Our LOS and POS Systems:
InterLinc Mortgage Services, LLC. NMLS# 205696THE LINC KEY FEATURESWith many moving parts comes the necessity to streamline and provide a one-stop-shop for updates, news and resources that will help you reach your goals. InterLinc’s intranet, The Linc, gives you access to every announcement, department contact, downloadable marketing resource, and more. The Linc is here to boost productivity by providing you with the materials you need, when you need them.• Company News• Underwriting Turn Times• • Marketing Assets & Tutorials• • • Employee Birthday & Anniversary Calendar10liftOff WITH THE LINC
InterLinc Mortgage Services, LLC. NMLS# 205696CRM PlatformPartnering with industry-leading vendors doesn’t stop at CRMs. We are proud to include the #1 mortgage CRM platform in our toolbox–providing high-touch marketing automation, dynamic campaigns, single property sites mArketing11• Personalized LO branding on all communication• Streamlined contact management system with multiple avenues for segmentation • integration for database management• Automated consumer and partner email campaigns• property sites• • Forms for lead capture, RSVPs and more• Personalized production dashboard• Hundreds of approved email, social media and print resources• Several third-party integrations including BombBomb, MMI, Zillow and more• Automated SMS capabilities for leads, in-process borrowers, and moreLead ManangementTo convert more of your leads to closed borrowers, we have an extensive lead journey built out inside of our CRM platform. After initial contact is made, you’re in control of the dispositioning your leads and can add them credit score, or are a hot lead that’s ready to app, we have a nurture campaign ready to go that includes relevant information and timely check-ins.
InterLinc Mortgage Services, LLC. NMLS# 205696mArketingOur approach to marketing communication is aimed at helping each LO build and maintain lasting relationships important loan status updates in the form of automated email and video campaigns.Shuttle Around In-Process Communication receive concise updates, tips and reminders all while providing reassurance of our around-the-clock availability to support their unique loan needs.DocumentationProcessingUnderwritingAppraisal orderedConditional ApprovalClear to CloseInitial CD ReleaseCongratulations!12Shuttle Around Post-Close CommunicationBuilding and maintaining lasting relationships requires intentional communication. Once a purchase loan closes, borrowers and co-borrowers will receive a custom address stamper as well as be auto-enrolled onto a 5-year post-closing campaign, showing your borrower that we keep them top of mind even after the initial transaction.Post-close, the homeowner will hear from us over 30 times throughout the next 5 years. Touchpoints will include relevant, general, lifestyle and seasonal subjects - including your face and name and your agent’s on each check-in.
InterLinc Mortgage Services, LLC. NMLS# 20569613InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf theOur underwriting commitments are to produce common sense and solution-oriented results wherever possible. The result? Quickly moving your agents and clients through the loan process with minimal delays or headaches. Clear closing expectations are set by delivering our real-time 30-day close calendar, complete with originating, processing, underwriting and closing SLA’s. We maintain a strong model by managing to a 30-day close.EMPOWEREDOPERATIONSOur “On Time and As Agreed” commitments to our borrowers and referral partners:Assigned underwriting teams give you the ability to pick up the phone and reach out to your designated underwriter at any time, making a 2-week problem anywhere else, a 20-minute solution here at InterLinc. Reduced layers and underwriting accessibility is key to helping you grab more business and close more deals.
InterLinc Mortgage Services, LLC. NMLS# 205696InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf theeClose and Pre-FundingSaving time and avoiding delays at the closing table is what we do. We utilize SLIM Close, our online closing technology, to deliver faster, more accurate, seamless closing transactions. All in a few short steps, borrowers can review their entire loan package online and eSign many of their closing documents.to the closing agent no later than 10 AM on the day of funding. 14
InterLinc Mortgage Services, LLC. NMLS# 205696Onboarding is crucial at InterLinc! We take your transition to the company very seriously and have created custom, intentional platforms to prove just that. InterLinc SEAL TeamWe believe in superior service without exception, which is the basis for our elite onboarding Team is comprised of handpicked rockstars and production experts representing Set-Up and Processing, Underwriting, Closing, Capital Markets and Marketing. Upon hire, a Branch Relationship Manager is assigned to serve as your SEAL Team liaison for a period, ensuring core onboarding needs are met. These assignees are the best of the best to whom decision-making authority is granted as you stay focused on building your brand in the marketplace.With special care and coordination between our HR, IT, Licensing, Facilities and Marketing divisions, you can also expect proactive guidance and training on all areas of the business via AN OUT-OF-THIS-WORLDOnbOArding exPerience15
InterLinc Mortgage Services, LLC. NMLS# 205696Community Service• eligible 501(c)(3) status organizations across the country401k• month after 90 days of employment. Employees have the ability to opt out, increase or decrease their contribution at any time. Medical, Dental & Vision• following 30 days of employmentMedical Plans• • • benefitSresources is available to all full-time associates.16
InterLinc Mortgage Services, LLC. NMLS# 205696Health Advocate• A virtual medical service that connects you with experienced personal health advocates• Locates doctors for you and resolves medical claims• 100% covered for all employeesDisability Insurance• 100% company paid• • Life Insurance• 100% company paid• • Additional Voluntary Life Insurance Supplemental Insurance Selections• Critical Illness Insurance• Accident Insurance• Hospital Indemnity Insurance• Identity Theft Insurance• Legal Assistance Program• Pet Insurance Employee Assistance Program• 5 free consultations for issues for the following areas:- Financial services- Childcare & eldercare assistance- Legal services- IT theft- Counseling for marriage, stress and anxiety, health and wellness concerns• 100% covered for all employees and Home Mortgage Discounts• All lender associated fees waived for any home loan an associate obtains with InterLinc17
InterLinc Mortgage Services, LLC. NMLS# 205696InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmortgage.comSHOOTMOONf theAnnual RallyEvery year we host an all-company event in our corporate hometown, Houston, TX, to celebrate our employee and company achievements together. In addition to celebrating the previous year’s accomplishments, it is at this event where we cast vision for the coming year.Circle of Excellence Awards TripWork Hard. Play Harder. Our top achievers drive our progress. To celebrate their performance for the year, guest, to a luxury destination.Reach our qualications to earn a place on our next trip! • • in volume or at least 120 unitsProduction SummitThe Annual Production Summit is a production-exclusive event, held mid-year, created to innovate, motivate, & elevate our loan originators. INTERSTELLAR CREWCULTURE & COMMUNITYHieronicaEstablished in 2011, the Hieronica Council is a diverse group of production team members chosen to voice and vision. This distinguished group of men and women strategize on how to improve our performance in all areas of the business.Minimum Qualications: • • * Only 2 new candidates considered annually18
InterLinc Mortgage Services, LLC. NMLS# 205696The InterLinc Family Foundation was founded in 2012 with a heart to serve and improve the over 60 organizations have received support.We are committed to creating change in the communities in which we live and work. Through the generous gifts we have received from employee donors throughout the year coupled with our annual corporate match, InterLinc has been able to make a lasting impact in many lives. Our desire is to see lives changed and aim for nothing less. Visit InterLincFamilyFoundation.org to learn more.INTERLINCfAmIly fOUndAtIOn19
InterLinc Mortgage Services, LLC. NMLS# 205696InterLinc Mortgage Services, LLC. NMLS# 205696Y OUR B E S T D E C ISI O N S TA RTS HER Ewww.interlincmor tgage.comSHOOTMOONf theHaving experienced exponential growth over recent years, InterLinc has no intention of slowing down anytime soon. From 4 employees in 2004 to just under 300 today, we’ve continued to expand our footprint, leveraging the right opportunities to compete in new markets.By focusing on excellent customer communication, service without exception, and our promise of an “On Time and As Agreed” loan process, InterLinc has traversed tumultuous seasons throughout our industry and company’s history with great success. Heavily purchased-oriented, InterLinc’s business model and focus remains steadfast on long-term, sustainable growth. Even amidst one 2020 and an 82% mix in 2021 by keeping our builder and Realtor relationships top priority. “The vision is aggressive, sustainable growth while remaining committed to upholding our company culture.”- Gene Thompson, President and CEOON THE HORIZON20
InterLinc Mortgage Services, LLC. NMLS# 20569621Your Next Career Move Shouldn’t be Rocket Science. This is just the beginning. If you’d like to take your business and quality of work to their highest potential, reach out to us with any questions or to schedule a call. We look forward to welcoming others like yourself along our journey.CONTACT USJoinInterLinc.comInterLincMortgage.comInterLincFamilyFoundation.orgLinkedin.com/Company/InterLincMortgageFacebook.com/InterLincMortgageInstagram.com/InterLincMortgage
InterLinc Mortgage Services, LLC. NMLS# 205696This is not a commitment to lend. Credit and collateral subject to approval. Other restrictions may apply. Programs, rates, terms and conditions are subject to visit https://interlincmortgage.com/assets/TX_Notice_Complaints.pdf | www.NMLSconsumeraccess.org | Updated as of 8/22/22InterLinc Mortgage Services, LLC.5875 N SAM HOUSTON PARKWAY WEST SUITE 300 HOUSTON, TX 77086 www.InterLincMortgage.com