Elevate your career
at FGMC retail

Join a growing team of mortgage professionals with the drive to make a difference in the housing industry and a commitment to deliver the best mortgage experience for their clients.

LET'S TALK
 

Elevate your career
at FGMC retail

Join a growing team of mortgage professionals with the drive to make a difference in the housing industry and a commitment to deliver the best mortgage experience for their clients.

LET'S TALK

Do you have what it takes to be a Mortgage Maverick

Licensed in 49 states + D.C. and celebrating more than 30 years in the mortgage business, First Guaranty Mortgage Corporation® (FGMC) is committed to always thinking outside the box and delivering the best possible experience for their lending partners and their borrowers.

Your business, your way

As a team member of a new business channel, you will have direct impact on how you operate and grow – all while being guided by the seasoned professionals on our leadership team. If you’re a mortgage professional looking for a decision-making seat at the table and to be part of a team from the ground-up, build your business with our Distributed Retail team.


Your business, your way

As a team member of a new business channel, you will have direct impact on how you operate and grow – all while being guided by the seasoned professionals on our leadership team. If you’re a mortgage professional looking for a decision-making seat at the table and to be part of a team from the ground-up, build your business with our Distributed Retail team.

The FGMC Advantages


  • Proprietary suite of Non-QM and Non-Agency products

  • Support both centralized and decentralized operations, branch-level processing

  • Full-stack marketing support

  • Dedicated recruiting team to help branch growth

  • Tools & Technologies

  • Maverick Elite sales incentive trip

  • Community involvement proud sponsor of CASA

  • Health, Vision & Dental Insurance, 401k match

  • Paid time off to volunteer

Product for Every Needs

Each borrower’s situation is unique and we are equipped to help with our expanded product selection!


Conventional

Conventional Loan Programs

  • 15, 20 and 30-year Fixed Rate options
  • Cash-out Refinance up to 80% LTV
  • As Low as 5% Down
  • Credit Scores as Low as 620 May Qualify

FHA

FHA Loan Programs

  • Purchase with as little as 3.5% down
  • Refinance up to 97.5% LTV
  • Credit scores as low as 500 may qualify
  • FHA Streamline Program— May Not Require Appraisal or Income Documentation

VA

VA Loan Programs

  • Purchase with as little as 0% down
  • Cash out up to 90% LTV
  • Mortgage Insurance (PMI) Not Required
  • VA IRRRL Program- May Not Require Appraisal or Income Documentation

USDA

USDA Loan Programs

  • Purchase with as little as 0% down
  • Credit scores as Low as 620 may qualify
  • Streamline Assist Refinance Loans Available - May Not Require Appraisal, Subject to Income Eligibility
    • Minimal Out of Pocket Closing Costs

Jumbo

Jumbo Loan Programs

  • Loan amounts up to $3 million
  • Cash out up to $500,000
  • Credit scores down to 660
  • Purchase or refinance options available
  • 30-year fixed option available

DSCR Loan

DSCR Loan Programs

  • NO Vacancy Factor Applied
  • No Personal Income, No Tax Returns
  • No Other Personal Debt Analyzed
  • No Other Property Debt Analyzed
  • Minimum 640 Credit Score
  • No Flips

Bank Statement

Bank Statement Programs

  • 12- and 24-month Personal and Business Bank Statement
  • 4 Year history of Self-Employment Required
  • CPA Letter and P&L Acceptable
  • Primary, Second, and Investment Homes
  • 30-Year Fixed with 10 Year Interest Only Option Available

1099 Only Income

1099 Only Income Programs

  • One (1) or two (2) years of 1099s
  • 4506-C required with a transcript for the 1099s
  • Verification of Employment from current contract employer

Expanded Credit

Expanded Credit Program

  • Credit Scores Down To 560
  • 30 Day Late Housing Payments Acceptable
  • 1 Day Out of Chapter 13 Bankruptcy & Short-Sales Allowed
  • 12 Months Seasoning on Foreclosures and Non-Chapter 13 BK
  • LTV up to 85%

Non-Warrantable Condo

Non-Warrantable Condo Programs

  • Available for 30-Year Fixed and 30-Year Fixed with 10 Year Interest Only Option
  • Loan Amounts up to $3,000,000
  • Cash-out Permitted
  • Owner-Occupied, Second Homes, and Investment Properties permitted (no DSCR)

Second Home Options

Second Home Options

  • Loan Amounts Up to $3,000,000
  • Purchases Available up to 90% LTV
  • Credit Scores Down to 620
  • Bank Statement Income Available for Second Homes
  • Gifts Permitted with 5% of Own Funds
  • Low Reserves Requirements
  • Cash-Out Proceeds Allowable for Reserves

 

Full-stack Marketing support

Total Expert CRM

  • Automated drip email journeys
  • Loan Officer lead capture apps
  • Single property website
  • A library of over 500 print/digital marketing materials

Loan Officer websites

  • Personalized website featuring your expertise, reviews, mortgage calculators, videos and social media links
  • Google my business and Facebook listings
  • Online review management

Social media

  • A library of over 100 social media posts
  • Integrated social post solution you can automate, personalize or schedule
 

Tools & Technology

FGMC provides you with the industry's best technology to automate and streamline your everyday business.


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Sales Incentive Trips

We understand the complexities of today’s mortgage market and the level of expertise required to consistently perform at the highest levels. As part FGMC’s commitment to provide exceptional support in all facets of mortgage origination, FGMC recognizes monthly top performers from sales, operations, and support roles. Those who end up at the top will become part of the Maverick Elite! As a Maverick Elite, you get career building recognition among your peers and Executive Leadership. Plus, a spot for you and a guest to join the company celebration trip.

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Sales Incentive Trips

We understand the complexities of today’s mortgage market and the level of expertise required to consistently perform at the highest levels. As part FGMC’s commitment to provide exceptional support in all facets of mortgage origination, FGMC recognizes monthly top performers from sales, operations, and support roles. Those who end up at the top will become part of the Maverick Elite! As a Maverick Elite, you get career building recognition among your peers and Executive Leadership. Plus, a spot for you and a guest to join the company celebration trip.

Proud sponsor of CASA

(Court Appointed Special Advocates)

First Guaranty Mortgage Corp. established a partnership with Court Appointed Special Advocates, a community of volunteers who speak out on behalf of abused children in Collin County, Texas and Frederick, Maryland. CASA provides court-based advocacy for children who have been abused or neglected by training volunteer advocates to serve as the voice for the children within the court system to ensure they are placed in a safe, permanent and loving home.



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