Chris Robards

Background

About Chris Robards

Zip Mortgage is looking for experienced loan officers looking to make the jump to branch managers, as well as current branch managers looking for a better opportunity. We charge $795 a file- you keep the rest! Lender Paid Compensation 2.75%. Commission example: 250k loan amount- 2.75% comp =$6875 -$795 admin fee: Your commission $6080. As a broker, we offer lower rates than correspondent/mortgage bankers while offering a greater flexibility to fund hard to place loans. Some unique products our lenders offer include: Most of our lenders have very few overlays- some underwrite directly to Fannie/Freddie guides with no overlays. Down Payment Assistance anywhere in the state -3.5% DPA with a 580 -2% DPA with a 580 (better rates than 3.5% grant)-Fully forgiven at close- never needs to be paid back -Slightly higher rates provides great opportunity for FHA Streamlines after 6 on time payments if rates do not increase significantly FHA 3.5% down to 580, 10% down to 500 mid 1 time close construction USDA, VA & FHA (follows same downpayment guides as standard purchase)-Loan includes money to purchase lot/land Many non-qm programs available- we can add niche lenders at need