MORTGAGE NON-IMPLODE QUESTIONNAIRE

Name of Lender: Liberty One Lending

Web Site Address Link: Email Us!

City and State:  Goodyear, AZ

Contact Name:   Matthew Goddard

Contact Phone Number:   623-337-8337

Contact Email Address:  branchopenings@libertyone.com

Mortgage Implodes Independent Grades:

Disclaimer: Mortgage Implode in no ways endorses this lender or any other on the non-imploded list. All information gathered is through the interview process and strong due-diligence efforts (background and credit checks, audited financials...) are not conducted. Borrowers should not base borrowing decisions on this recommendation but are encouraged to talk to the lender themselves.

Overall Grade:  A

Management:  A

Technology:   A

Product Information:  A-

Credit Risk:  B+

Geography:  A

Innovation:   A-

Services:  Whether you are a One man shop or have 50 loan officers Liberty One Lending is your National conduit for all your loan placements. We have over 100 lenders dedicated in serving your loan needs. At Liberty One we pride ourselves in helping you to secure your loan placement with our dedicated staff by providing access to loan finder links and to our:

FHA/VA conduits
Alt A Lenders
Subprime Lenders - Yes, they are still there down to 500 scores.
SIVA Lenders
Manufactured and Modular FHA programs

We also provide you with marketing programs that will take your business to the next level.

Use our Across America lending desk to get those deals done in areas you do not service. Ask us about this compliant program.

Volume bonus program just rolled out. Ask me about it!


Management:

Matthew Goddard, CEO. 17 years in Senior Management along with Entepenurial experience in the creation of Liberty One Realty as well as the founder of Liberty One Lending six years ago.

Terry Flanagan, VP. Over 30 hears of Senior Coprorate Management with 8 years of Senior Management within the mortgage industry. He brings a vast knowledge with him in the compliance arena so as to keep Liberty One compliant in all aspects of our ever changing business and has the management background to know where we need to be to keep you moving forward and not get bogged down in the compliance quagmire.

Additional management and support staff have well over an additional 50 years of FHA and mortgage management tenure to help make your affiliation with Liberty One Lending the Right Choice. Others may have whistles and bells but we get the job done. We are dedicated in bringing you to the marketplace and the tools you need to keep in contact with your customers and prospect with our new 12 Touch Program. Never loose another client because they forgot who you were!

Technology Information. Utilizing Calyx web server your loans are always State compliant and your print packages are always kept up to date with most recent compliance forms you will need to use in all states. No worry of doing it wrong. Links to the various conduit lenders to make your logon and entry into the Lender of your choice as easy as a click and you are there.

Product Information:

% of conforming loans:                     30%

% of government loans:                    70%    (90% FHA Loans)                                   

% of alt a loans:                                 10%

% of sub-prime loans:                       5%

% of jumbo loans:                              10%

% of stated loans:                             5%

Investors:      Countrywide, Chase, EverBank, First Horizon, and over a dozen others.

Geography.     All 50 states!