LOANLYNX, INC.
CORAL SPRINGS, FLORIDA

Robust Product Line LOANLYNX operates as a wholesale brokerage, and as such, is not bound to one specific lender, nor an isolated set of products or underwriting criteria. We have the flexibility & competitive advantage of sourcing virtually any loan product within our syndicate marketplace at intraday best executable pricing. We offer not only a diverse menu of residential loan products, but also a variety of business and commercial loans for startups, investors, and those seeking working capital. As mortgage planners, we also foster strong expertise in navigating intelligent decision making around reverse mortgage solutions. Our interests remain completely aligned with yours! Because we operate in a broker capacity, we only earn our keep once your loan closes! 9 times out of 10, we are paid directly by our lending partner facilitating the loan transaction. Our predetermined compensation model is established with our lenders prior to originating your loan file, and WILL NOT vary on a per loan basis. This incentive structure ensures we excel at our customer service commitment and product fulfillment, working hard for you day in and day out until delivering your desired outcome; so you are completely satisfied and thrilled with your experience! LoanLynx has a need for speed, because you expect and require it. Along with our clear commitment to open transparency concerning loan status, we also recognize the vital importance of fast execution as a major differentiator within the lending marketplace. With a transaction as large and important as a loan, we know that every minute counts towards your priceless peace of mind. A delay of even one day, has the potential of dramatically reducing consumer satisfaction, with increased probability of confidence loss. We’ve invested significant time and resources to ensure your loan closes on-time or ahead of schedule with far less heartache than industry standards. From the moment you apply online, you can expect to have a decision on your loan file within 24-48 hours. Documents eSigned and returned in as little as five minutes! LOANLYNX offers enhanced eSign capabiliy! We’ve simplified the loan disclosure signing process for our clients with a click of a button. LYNXInx™ eSignatures are valid and legally binding across the globe, with industry-leading levels of enforceability, compliant with the U.S. Federal ESIGN Act and UETA Act. Each unique electronic signature is documented, encrypted, and tamper-evident. LOANLYNX guarantees the confidentiality of all transactions and provides multi-faceted verification of signing events through double-factor authentication & audit trails. Best of all, you can complete your loan disclosures directly from your smartphone or tablet worldwide with Apple iOS, Android, & Windows mobile clients. LYNXDox™ is our on-demand private client document portal housed in the cloud. Here you can securely upload all pertinent financial statements necessary to stack your loan file, keeping you in control of your documents. We are serious about protecting your reputation and ours. This portal is SSAE 16 SOC II compliant and utilizes 256-bit bank grade data encryption on servers hosted in redundant facilities with automated back up and 99.9% network uptime guarantee, so you can rest assured your data is protected. This means reliable real-time delivery of your time-sensitive loan documents for rapid deployment and blazing fast underwriting, as well as meaningful communication & collaboration feedback loops direct to your loan tailor inside the eco-system. Traditionally, loan processing is a painstaking and time-consuming procedure. It requires highly-trained underwriters (with a large support staff) working in synergy to move applications through a pipeline to closing. Efficient work flow processes help bolster accurate and efficient loan execution. Our processing team begins working on your file immediately upon receiving an eSigned Form 1003 along with your securely uploaded digital financial documents. We scan using pre-underwriting quality control of all document collateral, initiate 3rd-party verifications, order a spectrum of auxiliary items such as Title Insurance, Flood Certificate, HOI, Land Survey, Appraisal, etc. while maintaining persistent follow up with every key player to encourage streamlined inertia. to do your loan with LoanLynx , a high-volume wholesale broker, offers the majority of its loans with no out-of-pocket expenses, such as with our no-cost product line . Our compensation is predictable and predetermined with lenders, so no matter which loan product or interest rate you select, our earnings remain the same. Any incentive to steer clients towards higher rates or risky loan products is effectively eliminated; while clients often receive credit premium rebates to help cover closing cots. Our efficiently leveraged cloud-based technology platform, flexible light weight infrastructure, and lean lending model, allow us to compete on pricing ahead of large institutions, ensuring customers receive the best rates and fees available in the marketplace. Compared to bankers, brokers must abide by much stricter laws and licensing requirements. The SAFE Act outlines Broker compliance precepts including mandatory registration with the Nationwide Mortgage Licensing System Registry (NMLSR). These new licensing requirements include: 20 hours of education, FBI fingerprint scans, submission of personal credit reports, validation of moral character & financial fitness, and satisfactory scores on both Federal and State Licensing Exams. Once licensed, brokers must annually complete 8 hours of continuing education to maintain approval status. Not all Bankers are required to meet the above guidelines; and many operate under company licenses free of individual scrutiny. Loan originators operating within retail depository banks typically enjoy licensure exemptions, resulting in originators with substandard skill sets. Moreover, because Brokers are entrepreneurs operating they’re own small business, they are typically intimately familiar with the inter-workings of product guidelines and end-to-end industry operations, often times proving more educated, experienced, and qualified. Those brokers remaining despite rigorous industry overhaul since 2010, have exhibited best-of-breed practices by adapting to shocking industry climate change, while most unprincipled brokers have exited the real estate finance space. While most brokerages won’t hire originators without years of experience and a proven track record, banks seem inclined to hire novices, as the licensing exemptions accommodate for lower hiring costs and more lenient regulatory oversight.