Today’s economic uncertainties continue to have a huge impact on the mortgage industry. Like mortgage departments across all community-based lenders, you’re no doubt concerned about topics such as margin compression, staffing challenges, expense scalability, interest rate risk and loan-servicing decisions. Now more than ever, it’s time to find a reliable lending services provider to weather the storm.

QRL Financial Services has the strength, experience and knowledge to help you navigate a complex market. We offer scalable, affordable services and personalized support to help community lenders succeed.

Gain scalability and a full suite of products

With QRL Financial as your partner, you can operate at maximum efficiency—without adding staff or sinking your budget. Here’s how we’ll help you:

• Greater production and revenue from your ability to offer more mortgage options;
• Ability to scale staffing as you better manage overhead;
• Very knowledgeable staff with extensive mortgage experience;
• Complete fulfillment services with options for you to choose from; 
• Dedicated Loan Coordinator handling your needs—one contact, one phone number; and
• Committed to an excellent borrower experience and on-time closings.

Optimize operational efficiency

Community-based lenders can sometimes lag the business world in adopting new technologies. But the reality is, our industry must balance digital transformation with critical essentials. To be truly optimized, you need:

• Compliance oversight and sure adherence to regulatory requirements;
• Staff scalability, up and down, based on lessons learned from market shifts and lending priorities;
• Technology platforms giving you and your borrowers the kind of convenient experiences everyone expects; and
• Control over mortgage department expenses that you can easily match to work fluctuations.

Choose the best mortgage partner

The right mortgage lending services provider will excel in all of the areas listed above, and tailor partnership options to your liking. The ideal partner will also deliver, at a minimum:

• Servicing retention (to better protect your borrowers from cross-sales and servicing transfers) with a concierge team available to answer questions from you and your borrowers;

• Compliance oversight and full knowledge of changing requirements;
• Excellent “loan-level” support from an assigned dedicated team;
• Free use of a modern and efficient Loan Origination System with online application capabilities;
• Accurate underwriting at impressive speeds;
• Origination quality and process controls designed to curtail risks;
• Fulfillment services/support for both secondary market mortgages and your portfolio loans (i.e., underwriting, processing and closing services); and
• Ability to expand your lending area and benefit from marketing support.

It’s time to take charge and optimize efficiencies in your mortgage department. We can help! Call QRL Financial Services at 888.766.4734 or email solutions@qrlfinancial.com.

TOM SECOR is vice president and director of business development at QRL Financial Services.