How Our Business has Changed in 20 years

How most loan applications are submitted

1999. – Fax

2019 – interactive online application

How we market for leads

1999 – Display ads in business newspapers

2019 – website, blog, Business media platforms, Scotsman’s Guide

How we obtain Appraisals

1999 – U.S. postal service in physical form

2019 – PDF in Dropbox

How we obtain needed signatures

1999 – bring documents to borrower or meet borrower in office

2019 – Docusign

How we close loans

1999. – Buyer, seller, escrow officer, attorney, lender, broker sit around a table and sign docs

2019 – virtual closing with mobile notary

How we communicate 1999 – Telephone, US mail

2019 – email, text, online platform