Senior Loan Originator/Team Leader @ First Option Mortgage
I help Realtor Partners in marketing to Buyers & Sellers in the Residential Real Estate Market @ 1st Signature Lending
Branch Manager @ From July 2015 to Present (6 months) Senior Loan Originator/Team Leader @ I lead a team of highly experienced loan originators that are involed in a cutting edge co brand marketing system with Realtors. Our system is unique in the fact we supply buyer and seller leads to our Realtor partners from involving all
Branch Manager @ From July 2015 to Present (6 months) Senior Loan Originator/Team Leader @ I lead a team of highly experienced loan originators that are involed in a cutting edge co brand marketing system with Realtors. Our system is unique in the fact we supply buyer and seller leads to our Realtor partners from involving all forms of media. This system changes the game for the loan orignators and Realtor relationships. Gone are the days when Loan orginators hound realtors for their business. From November 2014 to June 2015 (8 months) Indianapolis, Indiana AreaI help Realtor Partners in marketing to Buyers & Sellers in the Residential Real Estate Market @ Originate conventional and jumbo loans. Established contacts with leading banks, attorneys and regulators to move 1st Signature from mortgage broker to mortgage banker to bank. Contributed to new consumer/staff website which will launch in fall of 2009. Held FHA/VA training classes for staff. Developed a strategic marketing campaign targeting realtors, attorneys, and home owners which has generated substantial referrals. Main Lending Area is Hamilton County Fishers, Carmel and Northeast Marion County From January 2009 to November 2014 (5 years 11 months) Residential Real Estate Experience @ Indys Home4Sale(formally Indys HomesByOwner; Established discount real estate brokerage business with emphasis on full service discount commission real estate sales. Since 2004 ranked as the #1 listing and selling realtor in Fishers market ranked #10 best place to live by Magazine and #6th wealthiest and #10th fastest growing community in the nation.
Use internet marketing campaign to obtain leads and maintain constant communication to clients. Several local and nation real estate publication have written articles about our office model. From January 2004 to February 2010 (6 years 2 months) President @ Opened mortgage banking office with main focus on conventional, FHA and new construction loans. Branch offices in Florida and North Carolina with main office in Indiana. Partnered with Leader Federal Saving Bank in Memphis, Tenn., which was acquired by Union Planters. Originated in excess of 3,000 single family custom construction loans in Indiana with UP and two additional warehouse lenders. Averaged $50,000,000 in monthly outstanding lines with average loan of $505,000. End loans were sold on secondary market once homes were completed. 95% of loans originated were in Hamilton County ranked as the #6 fastest growing county, #10 wealthiest counties in nation and #10 best place to live by Money Magazine. From January 1993 to January 2008 (15 years 1 month) Vice President @ Developed Government Loan Department specializing in FHA/VA streamline refinances.
Hired and trained staff in HUD guidelines and procedures. At the perk was responsible for 125 employees in 22 states. Worked with corporate attorneys and HUD for state licensing and compliance. Established national sales agreement with Chicago Title to close all loans. Sold mortgages on secondary market in 3-10 million dollar pools. Volume was in excess of $210,000,000. From January 1991 to January 1993 (2 years 1 month) Loan Originator @ Originated single family conventional, FHA and VA loans. Established in territory in Hamilton County. From January 1990 to January 1991 (1 year 1 month) Vice President/Branch Manager @ Opened wholesale lending branch for Bank with focus on FHA/conventional loans. Retail branch was opened three months later with a staff of four originators and three support staff.
Both retail and wholesale branch ran 250% of goal until bank was taken over and closed by RTC. From January 1989 to January 1990 (1 year 1 month) Branch Manager @ Origination of single family loans with main focus on new construction loans FHA loans.
Developed excellent relationship with area top production home builders with innovative GNMA II buy down mortgage programs. Production averaged $5,000,000 per month. Appeared on several radio shows as an FHA expert. From January 1987 to January 1989 (2 years 1 month) Branch Manager @ Opened Branch office in Indianapolis and with three months became top production branch in Midwest. Developed excellent working relationship with top real estate offices in area. Held Fifty office seminars on financing and developed first open house financing worksheets with Lotus in Indianapolis. Obtains HUD DE UNDERWRTING CHUMS From January 1986 to January 1987 (1 year 1 month) Production Manger @ Opened several branch offices in state of Indiana which produced FHA, VA and conventional mortgages. Primary responsibility was to educate and train existing and new loan offices in selling and mortgage lending guidelines. From January 1986 to January 1986 (1 month) Loan Originator @ Originated single family loans with main emphasis on jumbo loans in LaJola, Rancho Santa Fe and Coronado Island. Placed several small commercial and mini-apartment loans with private investors. Leading originator in Southern California district for the company. From January 1985 to January 1986 (1 year 1 month) Loan Originator @ Origination of single family residential loans. Was top LO at the time bank was sold to Trans Ohio and mortgage division sold. From January 1983 to January 1985 (2 years 1 month) Salesman @ Listed and sold residential real estate. Leading listing agent in Indiana/Kentucky region after 1 year in business. From January 1979 to January 1983 (4 years 1 month)
History, Economics @ DePauw University From 1979 to 1982 History @ Wabash College From 1977 to 1979 College Prep @ Elwood Community Schools From 1974 to 1977 Ebe Cotton is skilled in: FHA, Mortgage Lending, First Time Home Buyers, Investment Properties, Refinance, USDA, VA loans, Loans, Residential Homes, Construction Loans, Real Estate, Credit, Mortgage Banking, Foreclosures, HUD, Investors
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