What Makes VanDyk Mortgage Different?
Searching for the right mortgage company to work for? If you're looking for a company that has a history of fortitude and integrity, then you have finally found your home at VanDyk Mortgage. We provide the tools, products and services to help you build a solid foundation so that you can grow and succeed along with us.
We pride ourselves on our ethical principles and business practices, which have been fundamental to our company's long-term success. Our staff is among the finest in the industry because they are trained with these core values in mind. Our employees stay with us simply because we deliver on our promises. Over the past three decades, our superior mortgage products and pricing have enabled us to grow and develop our business. We want to enhance your business so that we can grow together. We would love to share our accomplishments with you!
We have discovered that once our associates have joined our mortgage team, they stay with us for the long haul. They make VanDyk Mortgage their career. Throughout our history, we have retained and serviced over a $350 million portfolio, traded mortgage backed securities, and dealt directly with the Wall Street Investors on the secondary market. This ability permits us to work directly with the conduits that allow us to offer very competitive products and pricing.
We pride ourselves on our ethical principles and business practices, which have been fundamental to our company's long-term success. Our staff is among the finest in the industry because they are trained with these core values in mind. Our employees stay with us simply because we deliver on our promises. Over the past three decades, our superior mortgage products and pricing have enabled us to grow and develop our business. We want to enhance your business so that we can grow together. We would love to share our accomplishments with you!
We have discovered that once our associates have joined our mortgage team, they stay with us for the long haul. They make VanDyk Mortgage their career. Throughout our history, we have retained and serviced over a $350 million portfolio, traded mortgage backed securities, and dealt directly with the Wall Street Investors on the secondary market. This ability permits us to work directly with the conduits that allow us to offer very competitive products and pricing.
A sales system powered by a lending platform that will double your production.
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• Regional Branch Managers provide daily support.
• Loan Originator specific rates and compensation plans. • Great Pricing • FannieMae, FreddieMac and GinnieMae Direct Lender • Minimal overlays • Individual websites for each loan originator that directly interfaces with our loan origination system. • A processing system that supports you so that you can close a loan from application to clear in 10 business days. • A communication-management system that is a step above the competition. • Encompass 360 Banker Edition LOS. • Financial stability - national play, no debts. • Mobile applications and mobile tools. • Salaries and Draws. • Servicing portfolio - we service many of our own loans. |
• Our own Appraisal Management System
• Complete administrative support (accounting, HR, payroll, legal, licensing and management). • Full benefits (401k, Dental, Health, and Life Insurance). • One-on-one coaching with proven experts and proven systems. • The best underwriting and closing platforms available. • A culture that is dedicated to each other and the success of our referral partners. • Complete marketing system from a full service marketing team. • Direct access to Underwriters and Lending Team. • A+ rating with the Better Business Bureau. • Over 100,000 closed loans. • Over 30 years in the business. • 19 day average application to clear to close company-wide. • 99% surveyed customer satisfaction. |
Choose a company where the owner uses his own name. In a private business, your success is personal to us!
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Full Marketing DepartmentA consistent marketing campaign is key to your repeat business.
The biggest problem an LO faces with marketing is they are busy and often ignore their marketing campaigns until business slows down. Our solution? Our Marketing Department maintains your marketing support (data base management) to keep it consistent, so your income and closings stay consistent as well. 
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Our Marketing Library Includes:
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Underwriting
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Direct Access to Underwriters
We know delivering good service to your realtors and clients requires giving good advice and getting fast and accurate answers. We allow you direct access to our underwriters, and since we are a Fannie/Freddie & Ginnie direct lender, what we say goes. You won't have to second guess yourself.
Common Sense Underwriting Underwriting loans is a two step – to speed this process we separate the credit from the collateral (property) underwriting. By having separate underwriters review the property vs the credit, you essentially have two underwriters working on your files at the same time. This results in faster turn times and more accurate decisions. We maintain a balanced underwriter to workload ratio to assure we are not overworking our underwriters and maintain great turn times, along with availability/access for you with your questions and scenarios. |
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Technology• Εncompass 360
• Personalized Website with IT support and maintenance at no cost • Top of Mind CRM • Data Base Management Support • 5 year CRM contact system for your customers after close – more repeat referrals • And much more! 
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LeverageAt VanDyk, we want you to focus your energy on the revenue generating tasks. We leverage the small stuff on your plate and move it to someone who specializes in it and can get it done efficiently without taking up your time. We want you to leverage tasks such as marketing, prepping a file for processing, doc chasing, loan status updates, and more. This allows you to focus on what you are good at - building relationships with referral partners and working with borrowers.
Every system, model, tool, and department at VanDyk was set-up to serve you so that you can narrow your focus to the activities that make you money. |
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Team ModelEveryone reaches a ceiling of success that we can't break through without the right leverage to help us maximize our strengths. We have learned that most Loan Originators cannot close more than 8-10 loans a month without leveraging team members to avoid burnout, and to help them take their business to the next level, give them more free time and earn more money. At VanDyk Mortgage, we have developed team concepts to help you grow your business in each stage without having the burden of a large financial hit to obtain the leverage needed to grow your business. Additionally, your Regional Manager will work with you to help recruit and hire the team members to help you reach your goals.
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CSA Model
The first step is our CSA (Corporate Sales Assistant) model. The CSA is available to any Loan Originator regardless of production level. The CSA takes over your file once your borrower is under contract. They take the file from Contract to Processing Submission. They will call your borrower and obtain all the documentation needed for the file, update the 1003 to reflect the actual income and assets based on documentation, walk the borrower through initial disclosures and submit the file to processing. Each file will save you hours in time that is better used for lead generation in your business.
Transaction Coordinator
Once you have leveraged the help of a CSA, you should be able to build momentum and grow your business enough to make your first full-time hire of a Transaction Coordinator. This role is someone who can manage your pipeline from contract to close. They do the same duties the CSA was previously doing, as well as continuing to work with your processor through the file’s closing.
Team Loan Originator
The goal is to grow your business to a level that now you can hire your first team Loan Originator. The additional Loan Originator on your team allows you to continue to do “rain making” activities, and have a Loan Officer who can help you build your business.
CoachingIn most of us, regardless of industry or occupation, there is an entrepreneurial spirit that helps us achieve success. We reach that level of success because of our natural make up. It's who we are. What happens once you reach that level of success? How do you break through that ceiling and move forward on to your next achievement?
At VanDyk Mortgage, we believe coaching is one of the tools that helps us uncover what new systems or models we need to develop to break through ceilings of achievement and attain the next one. We feel that providing coaching to our sales team is a worthy investment. Our Sales Managers are non-producing leaders. Their time isn’t split between working on their own pipeline and helping you achieve your goals. They are focused 100% on helping all our associates achieve their business and life objectives. |
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Our National Sales Manager, Bryan Lovell, is a John C. Maxwell Certified Coach and trainer. He uses his knowledge, training, and experience to equip and elevate our leaders to help you achieve your goals and dreams. They will mentor you and help you build your business plan to achieve your desired level of success. They will help you uncover opportunities in your business and coach you to your potential.
One of their objectives is to help you identify the activities that when they become a habit, increase the possibilities of reaching your goals. They are available to help you self-discover the answers to your questions, but can also provide direction when necessary. And most of all, they are there to help motivate you to reach the success you desire. Don’t you want to work for a company that wants to invest in your success?
One of their objectives is to help you identify the activities that when they become a habit, increase the possibilities of reaching your goals. They are available to help you self-discover the answers to your questions, but can also provide direction when necessary. And most of all, they are there to help motivate you to reach the success you desire. Don’t you want to work for a company that wants to invest in your success?
Processing
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Let’s face it, your support team is where the rubber meets the road. Closing loans quickly without a lot of bumps is what creates repeat business from agents. Our team consists of:
• Experienced Processor(s) • Transaction Coordinator(s) • Loan Originator Assistants • Regional Manager Our Clients, real estate agents, want and expect loans to be processed and closed quickly. The processing is the heart of this service. Learn more about these tools that deliver STELLAR service by your team to your agents. |
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Seamless/Paperless Processing - VanDyk has invested in our technology to result in faster processing, underwriting and closings. We are all on one system, from A to Z. We offer you corporate or local processing (use your processor or ours) – whichever makes better sense to you.
Day One Processing – This FannieMae program allows you to obtain Verification of Income and Cash Assets in minutes!
Same Day CTC (clear to close) Closings - When you have a clear to close from underwriting, we can close your loan the same day. At times this is crucial to meeting anticipated close dates, and keeps both your customers and agents happy.
Day One Processing – This FannieMae program allows you to obtain Verification of Income and Cash Assets in minutes!
Same Day CTC (clear to close) Closings - When you have a clear to close from underwriting, we can close your loan the same day. At times this is crucial to meeting anticipated close dates, and keeps both your customers and agents happy.
Perfect Loan Process
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We believe in helping our Loan Originators build successful businesses. We do that by providing you the best tools in the business. The Perfect Loan Process (PLP) is one of those tools. Our PLP provides a roadmap for you and your team to follow to get positive, consistent results. It is tied to our loan origination and customer relationship management software automating a lot of the process for you. You also have a team that will implement parts of the process for you, leaving you to reap the benefits. By touching your transaction partners consistently throughout the loan process, you keep the lines of communication open, work more efficiently, and have more on-time 30 day closings. The goal is to have every customer leave the experience with the feeling that you and your team have exceeded their expectations, which leads them to tell their friends and family about your superb service.
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Products
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• Full Product Lines
• HARP up to 200% of Value • FannieMae & GinnieMae Direct Lender • Servicing Portfolio – We Make Our Own Decisions • Minimal Overlays • Bond Programs • No Tax Return Program For Self-Employed Borrowers • Foreign National Loans • Medical Doctor Loans • VA Loans • FHA 203k Loans • FHA/VA Experts – most underwriters have over 10 years' experience • And Many More! |
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Build Trust
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“If you want to achieve your goals, first help others achieve theirs.”
When choosing a lender to work for you, you'll need to do your homework. This is the most important decision that will affect your reputation, income and career. There are several aspects you need to consider before you decide where you want to work. Building a prosperous repeat business is not easy, but we have walked down this path with many LO’s and have filled lots of the pot holes for you. To build a strong business, you first need to surround yourself with all the tools, people and attitudes that have a mutual understanding of your goals. Success in our business has many different levels that need to be addressed independently. |
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We are in a service industry and have a firm understanding that your clients are the heartbeat of our business. Therefore, they are the first step toward elevating your business. Once you have an understanding of how these processes mesh together, your production will soar! Below are some ways we can help take you there.
Build Trust To Build Repeat Business
We always have been a purchase oriented lender. This means our focus is servicing our Real Estate Agents and creating strong referral business. We are 86% purchase companywide, which means we really concentrate on how to market to and service the real estate agents. We believe that building trust with your Real Estate Agent(s) is key to your success, and can show you how easy it is to maintain strong relationships with Real Estate agents without cold calling! Our proven techniques, support & processes to allow you to deliver great service while having fun.
Build Trust To Build Repeat Business
We always have been a purchase oriented lender. This means our focus is servicing our Real Estate Agents and creating strong referral business. We are 86% purchase companywide, which means we really concentrate on how to market to and service the real estate agents. We believe that building trust with your Real Estate Agent(s) is key to your success, and can show you how easy it is to maintain strong relationships with Real Estate agents without cold calling! Our proven techniques, support & processes to allow you to deliver great service while having fun.
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SecondaryVanDyk Mortgage takes great pride in putting out a competitive price. Our management team understands that without competitive pricing, we will not be successful. We utilize a market tool to ensure we remain competitively priced in the ever changing rate/pricing marketplace. You will have direct access to the secondary department along with the Secondary Marketing Manager.
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