TIB serves as a reliable and responsive mortgage investor conduit for community banks and has done so for nearly three decades. TIB has the expertise to work with both large and small production shops in closing and selling residential mortgage loans. TIB’s program features both a service retained loan program and a service release program - each with distinct pricing, interest rate locks with generous time frames and also offers FHA financing that TIB closes in the community bank’s name. Conventional Conforming Loans • 15 or 30-year options • Competitive rate and terms • State of the art loan origination system • Seasoned underwriters and responsive customer service professionals FHA Lending • Down payments as little as 3.5% • Monetary gifts from family accepted toward downpayment, closing costs, discount points, prepaid expenses • Seller concession up to 6% allowed, regardless of LTV • FHA streamline refi • FHA fulfillment program (sponsored origination) Partner Bank Benefits • Community banks are our only focus - we do not lend directly to your customers • No volume minimums - we serve any-sized bank and volume, from 1 loan to 1,000 • Generous Revenue Sharing via Service Release Premiums • Wide variety of product availability • Pre-closing review of loans available • Flexible Lock-in times (15-90 days) Production Volumes • TIB closes between $30 million and $60 million in loans per month. • Approximately 75% of the loans are conventional conforming. • Approximately 25% are FHA loans. TIB Mortgage Reliable & Responsive (800) 288-4842