Non-Delegated Underwriting (FHA, VA, Conv.) - 14 Days
Non-Delegated Underwriting (USDA) - 3 Days
Non-Delegated Underwriting (Renovation / Construction)
Pre-Close - 5 Days
Post-Close - 5 Days
Non-Delegated (FHA, VA, Conv.) - 4 Days
All Loans - 3 Days
Renovation Condition Reviews - 3 Business Days
FHA ID # 7516800469
VA ID # 6852450000
NMLS ID: 2917
" I couldn’t pass up the opportunity to write to share something that I think is very important for you to know. I want to express my deepest gratitude for Laurie Haarer’s ongoing assistance. We financed our first manufactured home and if it wasn’t for Laurie’s assistance, I am not sure that I would have the confidence to try this again. Due to her willingness to help and her expertise, I know that we will be able to assist any of our future clients who want to finance a manufactured home.
Inside Loan Officer
Waterstone Mortgage Corporation
" I just wanted to send you all a quick note on how great you have been on this Loehle Loan. Everyone from Jay, Amelia, Amanda and even Katie when Jay was out have Definitely WOW’d me!!! You are all great and got this loan closed and funded so quick!!! YOU ARE ALL THE BEST AND HAVE DEFINITELY EARNED MY FUTURE BUSINESS!!!!
Senior Loan Officer
" Good morning…
just wanted to say, “Thank You” for all of your help with the Brunberg loan. You proved to be an amazing source of help and guidance, and I could never have seen this to completion without your assistance.
I look forward to working with you on more loans. "
David "Woody" Bartley
Vitek Mortgage Group
" Hello Hayden,
I wanted to take this time to properly thank you for EVERYTHING you have done for me during this application process. I was driving yesterday and SUPER EXCITED and I'm not sure you fully understand how much i appreciate all of the time and effort that has gone into my loan process on your part, as well as your team. I pray ALL GOOD THINGS for you and those you love in every way. Please be extremely blessed and know that you are a huge part of what is GOOD about this world. Thank you again. "
Ms. Beverly J. James
" Hey Michelle & Ivory,
I just spoke to my borrower and she was elated because she was on her way to pick up her keys! I know it was a crazy roller coaster ride, but I have to tell you thanks for making it happen. You guys really pulled it through... Very impressed.! Have an awesome weekend! "
" HI Katie and Kelly,
Just a quick note to thank you and the management team for all the incredible help you gave me on Castello's purchase. You renewed my faith in this industry with your "can-do" attitudes and perseverance. I cannot tell you how much I appreciate each of you. Thanks, and now go take a break. You've earned it! Kudos!"
Acceptance Capital Mortgage
This is belated but I just realized I never gave you a big thanks for the help you and the rest of the department gave us in turning this Roe re-submission around and getting it closed. They will be good borrowers for you I can assure and we appreciate all the extra effort to get them in the loan. We were just going over our closed list for March and it just hit me I didn’t send thanks."
Senior Loan Consultant
Heritage Mortgage Consultants
" Kudos to Chris for being so informative, friendly, fast and Patient! He is FG's best kept secret (notwithstanding you and Terry of course). Just thought you should know....he's suggesting adding the bullets he sent me to the TPO Guide. It would save alot of headaches as it's so much more user friendly on Prequals."
Acceptance Capital Mortgage
" Hi Christy,
Just wanted to let you know that I got a settlement package from NVR with the required closing cost. And I wanted to thank you from the bottom of my heart, for all you did for me. In this whole process you weren't just my loan processor, you were a good friend I always wished I had. Saying thank you would be a very small for how you helped us, but I will always keep you in my prayers. Sorry for the long letter, but I had to tell you this. Thanks again and take care."
" Hi Jay!
Thank you so much for calling me last evening. I enjoyed the discussion. I also want to thank you for the compliment about the nice job I do on the 203k loans - when I got the email from the FGMC CEO in December I thought it might be a "form email" sent to a number of brokers thanking them. Maybe not? Anyway, I want to let you know that FGMC working with NCF is terrific. They know what they are doing and they work fast. We had a change order to use reserve funds approved in less than a day! The contractor was estatic as his crew did not miss a beat. Thanks again! Have a great day!"
Jeri Lynn Fox
USA Mortgage Corporation
I just want to say thank you for your services. My loan funded yesterday and it went very smooth. I have told
Peoples Mortgage about how well my loan went with you and your company. I will keep you on the top of my list.
Thank you again, "
Peoples Mortgage Company
"Thanks to all of you on getting this loan closed. Everything went really smooth at closing. Awesome job. I am working on more loans to upload, thanks again!!! "
You and your staff made our day with this news.
I’d like to say thanks to you and Terri and Jason and Debi specifically for your help at FGMC.
You guys are very much appreciated.
We’ll stay on our toes until this one is closed up then we’ll send you some more and streamline our process now that we know what you need.
Thank you again, "
Last week you helped close a loan that had an extreme time constraint associated with it. You, Tina Kumar, Jay Beach and myself worked diligently to get it closed and I really appreciate what you and your people did to help me with this closing."
John M Asseff
"I will be sending all of my FHA loans to you. I really like working with you, thanks!!!"
I can not thank you enough for your kindness and help with the purchase of our new home. It was such a pleasure working with you. Thank for your patience with me and my “neurotic” behavior. Hope you have a Happy 2012!
Thanks again! We love our new home!"
If you don’t understand how much what we do effects people, just ask this family.
Cheers to all of you and thank you all sooooooooooooooooooooooooooooooo much!!!!!!
"Hey Madonna. Charles really did a great job on the Curwick and Diaz files. Lots of obstacles but he kept things moving forward. I appreciate the extra effort he put in on both files.
I wanted to be sure you know we know these aren't the easiest deals but it sure is nice to know your team is there to help is get the deals closed."
"Steve I want you and whomever Kelly’s boss is to know she did a great job on Schack, from approval to getting it to the table. She was on top of the file and HELPED us Tremendously. She is great."
"We have been working with FGMC for a while now and are very pleased with them. This is one company that really does want to work with you on closing loans."
Array Capital Investment
"We just wanted to thank everyone for doing such a great job on getting Mrs. Moody closed. She is so happy in her new home. Have a great rest of the day, Friday and weekend."
-Marcus Hampton & Tyjuana Phillips
American First Financial Services, LLC
"I greatly appreciate you putting your neck out there for my client. It's nice to work with people like yourself who have compassion. Thank you so much.”
"Love you guys. I love all the people. I have worked with Amelia and now Debbie. I just wanted to say thank you”.
The Mortgage Link
"By the way… I really love the service you and Jeremy have provided us. Jeremy is awesome and has been very very helpful and is willing to go above and beyond. He is quick to respond to any questions we have. He is a great asset to your company. I appreciate him a whole bunch!!! I have no clue who his boss is… but I hope you can relay the message."
Capital Mortgage Services
"I can't help but brag on you and the way you handled this file, clearing conditions in a timely manner and getting this to closing on the closing date. THANK YOU SOOOOOO much. The Jones' were so happy and excited. Thanks again and it is my hope that you are the processor on all the files I send to FGMC."
"My first closing with your company went very smooth today. I look forward to learning the system better."
“I just wanted to say thank you for all your hard work. I don’t know if you realize but this loan was closed in 25 days from submission. We closed on the contract date and did not have to ask for an extension. You do not know how much that improves my business. It’s a pleasure to work with such a professional and knowledgeable group of people."
“I just wanted to let you know to share with others- I am closing a loan with First Guaranty this week they were fantastic. They gave me my conditions I filled them and cleared to close quickly- great follow up with the inside processor".
“Sarah, I have been in mortgage lending for going on 18 years. My corporate office does a great job from beginning to end. And you guys are definitely as great as they are! I recognize that this file being a FHA 203K and the house being 1949 added lots of complications to overcome for getting complete. However, I felt that it could not have gone any better and everyone is very pleased. Thank you for your team and for you. I am looking forward to closing many more loans with you.”
"I would like to commend Tina Kumar on her outstanding processing skills. Her attention to detail and hard work, once we got the Final Approval on my “****” file, allowed me to close my 1st FHA loan with FGMC in record time. After doing this for 15 years I pride myself on working with the best in the industry and Tina is definitely one those individuals. In addition Jason Beach did a great job of pushing my file through underwriting and into final closing as promised.
As someone who takes the lead in our Dallas office when it comes to Broker relationships I look forward to Tina continuing to process our files as well as Jason handling our daily submissions. This is certainly a team I will promote to others in my office and throughout my Company. A high comfort level with a trusted Broker is what ensures repeat business right? (My desire is that they be exclusive to the Dallas offices of AHK for future business)".
Thank you very much,
Sr. Mortgage Officer
This website and all information contained herein is for mortgage professionals only and is not intended for consumers or the general public.
First Guaranty Mortgage Corporation (FGMC) is a National Lender specializing in niche based Government lending programs and initiatives. We choose to make underwriting decisions based on the borrower’s ability to repay, not solely on FICO score(s). We also specialize in Home Renovation Loans and Manufactured Housing Loans, and offer a myriad of available options for both. FGMC believes in the business model of Third Party Origination (TPO) lending and puts our business partners in a position to be more profitable and capture a larger market share. Whether you are a Full DE Lender or a Mortgage Broker, we have lending models to suit your needs.
FIRST GUARANTY MORTGAGE CORPORATION'S ("FGMC") WHOLESALE WEBSITE MAY CONTAIN GUIDES AND ADVERTISEMENTS THAT ARE INTENDED TO BE USED SOLELY BY MORTGAGE PROFESSIONALS. LOAN PROGRAMS, RATES AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ADDITIONAL CONDITIONS APPLY. FGMC IS NOT DIRECTLY AFFILIATED WITH A GOVERNMENT AGENCY. FGMC IS AN EQUAL HOUSING LENDER. FOR FGMC'S LICENSING INFORMATION CLICK HERE.