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OUTSOURCE ADVANTAGES                                                                                   ALL-IN-ONE
      FOR THE MORTGAGE BACK OFFICE                                                                           OUT-OF-THE-BOX MORTGAGE LOAN SOLUTIONS

                                                                                                               LOAN ORIGINATION SOFTWARE
      When done for the right reasons, outsourcing will help
      your company grow and save money.                                                                        We offer our Mortgage Insource Clients a web-based
                                                                                                               solution to expedite the processing of qualified applications.
                                                                                                               The system can be accessed by your lenders, or we offer a
                                                           Mortgage  Insource  Services  (MIS)  is  a          customer direct point of sale (POS) branded in your
                                                                                                               institution’s name.
                                                           Kentucky    based    company     providing          We assist you every step of the way, in meeting the
                                                                                                               technological challenges of today's marketplace. Mortgage
                                                           fulfillment  services  for  community  banks,       Insource Services (MIS) can provide the solution as part of
                                                                                                               our service.
      FOCUS ON CORE ACTIVITIES                             credit unions, and brokers. Our management                 Direct – for web-based applications
      If your company is in a growth mode of experiencing   team  has  been  a  part  of  this  group  and            Advisor – for branch staff
      excess origination volume, your services can suffer.                                                            Pro – for your designated mortgage lenders
      Outsourcing will allow focus on business development   understand  their  challenges  and  needs.  The   Our LOS solution allows lenders to take efficient, error-free
                                                                                                               loan application online and electronically, creating a
      without sacrificing quality or service.              vision  of  MIS  is  to  be  the  back  office      paperless process.
      COST AND EFFICIENCY SAVINGS                          supplying  technology,  highly  qualified  and      Partner with Mortgage Insource Services to meet consumer
      Outsourcing is a good option when you have less      experienced staff, and a workflow that allows       technology demands, maximize your opportunities, make
                                                                                                               your loan officer more productive and mobile.
      experienced processors and underwriters but the size of
      your production prevents you from hiring experienced   this  group  to  be  competitive  and  in  the    PROCESSING
      staff, or there is a lack of knowledgeable candidates in   mortgage market.                              Do you have overflow needs in your processing department,
                                                                                                               or lack of trained personnel? Maybe your processor just
      the market.                                                                                              resigned or is on vacation. MIS is the answer to any of these
                                                                                                               issues. MIS seamlessly steps in and processes the loan up to
      REDUCED OVERHEAD                                                                                         (and through if desired) underwriting.
      Your office space, salaries, paper, and other fixed costs                                                UNDERWRITING
      can be reduced by utilizing our services.
                                                                                                               MIS offers pre-funding Quality Control to our clients. The
      OPERATIONAL CONTROL                                                                                      industry has put great emphasis on this phase of the loan
                                                                                                               with regard to Quality Control. The thought being that it is
      An operations area where costs become out of control,   The MIS solution provides a flexible and         better to know of any issues up front to assure that viable
      operational control should be considered. Low volume                                                     loans are put on the books. Post- Closing Quality Control is
      also reduces high cost per loan.                     efficient system capable of handling all your       provided through our sister affiliate. Therefore, MIS can
                                                                                                               supply you with Quality Control on your origination,
      STAFFING FLEXIBILITY                                 mortgage requirements from providing loan           servicing and perform TRID checks.
      Outsourcing will allow you to bring in additional volume   origination software (LOS), processing,       CLOSING
      and reduce overtime resources when needed due to                                                         MIS provides closing instructions, orders both Flood and PMI
      higher production.                                   underwriting to closing. You can choose the         certifications, and prepares the final Closing Disclosure (CD).
                                                           services you need from our out-of-the-box           MANAGEMENT REPORTS
      CONTINUITY AND RISK MANAGEMENT                                                                           MIS will provide accurate reports to management allowing
      Periods of high employee turnover will add uncertainty   complete back office solution, or pick the      the measurement of your operation and lender performance.
      and inconsistency to the operations. Outsourcing will   individual components you need for your
      provide a level of continuity and reduce risk of                                                         Several reports will be supplied monthly, but if you need that
                                                                                                               special report from your data, just ask!
      substandard performance in back office operations.    operation’s efficiency.
                                                                                                               QUALITY CONTROL
      DEVELOP INTERNAL STAFF                                                                                   MIS offers pre-funding Quality Control to our clients. Post-
      Working with skilled processors and underwriters, your                                                   Closing Quality Control is provided through our sister
      staff will acquire a new skill set.                                                                      affiliate.
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