Whether you’re just beginning to offer mortgages or you are an experienced mortgage lender, we have the support services, market expertise, and programs to enhance your efforts and increase your loan production. A mortgage lending solution developed by SWBC generates fee income at a fraction of the cost of traditional mortgage lending programs and includes options to build your real estate lending portfolio as well.
We provide you with a full array of mortgage lending tools that allow your institution to avoid some of the risks typically associated with starting and maintaining a mortgage program. Our centralized processing and closing teams are experienced and will treat your borrowers with courtesy and respect. We also set the standard for service and expect no less than excellent communication with your borrowers throughout the process.
Whether you choose to have SWBC provide a turnkey mortgage lending solution with our loan officers in your institution or you elect other options, we provide low-cost mortgage lending alternatives that produce results.
With SWBC’s flexible approach, you choose the programs and or services you need to reach your mortgage lending goals.
Turnkey Mortgage Outsourcing
SWBC can provide a complete mortgage lending solution wherein our loan officers will be fully integrated in your institution; you will have access to a full array of lending tools which will allow you to avoid some of the risks typically associated with starting and sustaining a mortgage program. There are no employees to hire or train, little-to-no cost, and no investor relationships to maintain.
Joint Origination Initiatives
Options include having SWBC loan officers available on a part-time basis or located off-site for referrals; or to have SWBC train your employees to accept loan applications and forward to us for processing.
FHA/VA Mortgage Lending
FHA and VA financing is available with any of our comprehensive mortgage lending programs. It’s also available as a wholesale solution where you refer your government loan requests to SWBC for turnkey handling, or you originate as usual and engage SWBC to prepare the files for closing and funding.
Our mortgage loan products include conforming and non-conforming, fixed- and adjustable-rate conventional, FHA, and VA loans. We also offer interim construction financing and other loan options in some areas.
SWBC Mortgage Corporation is a full-service mortgage banking firm headquartered in San Antonio, Texas, which has been providing mortgage banking services for more than 23 years. It is a wholly owned subsidiary of SWBC, a diversified financial services company providing a wide range of insurance, mortgage, and investment services to financial institutions. In 1988, SWBC created the mortgage banking corporation specifically to provide retail mortgage banking services, as well as, outsourced mortgage loan origination services to financial institution customers.
Today, SWBC Mortgage operates retail branches in multiple states and has partnered with numerous banks and credit unions throughout the United States to create customized mortgage solutions that provide valuable loan options for their customers as well as effective income-generating opportunities in the secondary mortgage market. The services offered by the mortgage corporation have grown and evolved to meet the changing needs of our customers, including loan origination services, marketing services, secondary marketing access, loan sub-servicing, wholesale lending, and asset liability support.
We credit our superior performance and growth to our highly experienced management and support team members, many of which have been employed by SWBC Mortgage for more than 15 years. With our demonstrated knowledge and expertise, we are able to assure our clients and borrowers that their loans will meet today’s ever-changing compliance and quality control standards.