Your sales leader
Hugh Edwards
SVP, TPO Sales
With GMFS since the company began. Known for training, strategic guidance and hands-on help with complex loan scenarios.
District Director opportunity · GMFS Partners
Build your territory with a whole team behind you.
Meet the people who will onboard you, the plan that gets you producing, and the technology you’ll sell with: ELEVATE, JANUS and the Connect partner portal.
27Years in business
$30B+In funding
150,000+Customers served
17States
1
Your onboarding team
Direct lines to the people who make decisions. Every part of your onboarding has a named owner, and you’ll meet each of them in your first weeks.
Tee Brown
President
Leads a privately held company where decisions are made quickly, by leaders you actually know.
Chip Adkins
Chief Growth Officer
25+ years in mortgage, including leading TPO and correspondent businesses. Drives GMFS growth strategy.
Meredith Williams
Chief Operations Officer
Leads GMFS operations and your end-to-end training on underwriting, processing, closing and escalation paths.
Rebecca Squyres
Onboarding Concierge & Marketing Director
Your point of contact from offer to first funding. Builds your announcement, webpage, cards and CRM setup.
Who owns each part of your start
Product specialists
A dedicated specialist backs every product line, so you always know who to call. Product training is led by Ashton Ewing, VP of Underwriting.
| Product or channel | Specialist |
|---|---|
| Conventional & Jumbo | Jeanne Carbo |
| FHA | Stephanie Richard |
| VA | Matthew Putnam |
| USDA Rural Development | Clarisse Koch |
| Non-QM | Dacri Webb |
| One-Time Close & Renovation | Chris Savage |
| Broker, correspondent & non-delegated channels | Mike Sorrells, VP of TPO Operations |
2
Your onboarding plan
A structured path from your first day to productive partnerships. You leave the first 90 days with full system access, clear internal relationships, a working territory plan and active customer development.
Before your start date
Ready on day one
- New-hire paperwork, offer and comp agreement
- Laptop, email and system access set up
- Business cards and marketing materials
- New-hire announcement prepared
- Mentor assigned
- Preliminary territory and account list
HR, IT, Marketing, your sales leader
Week one
Meet the company
- Executive and organizational introduction
- HR onboarding and benefits
- Operational overview
- Product introduction
- Sales expectations
- Initial account and territory review
Executive team, HR, Operations
Weeks two to four
Learn the platform
- Operations: underwriting, processing, closing
- Secondary marketing and lock policy
- Broker administration and partner approvals
- Appraisal, marketing and servicing
- Technology training, including ELEVATE and JANUS
- Customer introductions and prospecting begin
COO, Secondary, Broker Admin, Marketing
Days 60 to 90
Produce and refine
- Consistent prospecting and account development
- Applications, locks and first funded production
- Account and territory progress review
- Formal 90-day review
- Updated action plan for the next 90 days
Your sales leader and mentor
Your first week
| Time | Monday | Tuesday | Wednesday | Thursday / Friday |
|---|---|---|---|---|
| 8:00–9:00 | Welcome / HR | Operations | Products | Sales planning |
| 9:00–10:30 | IT setup | Loan workflow | Secondary marketing | Territory review |
| 10:45–12:00 | Leadership intro | Broker administration | Pricing / lock policy | CRM / prospecting |
| 12:00–1:00 | Team lunch | Team lunch | Team lunch | Customer / mentor lunch |
| 1:00–2:30 | Organization / strategy | Technology platforms | Appraisal / servicing | Priority accounts |
| 2:45–4:00 | TPO overview | System practice | Marketing tools | 30/60/90 plan |
The GMFS 30 / 15 / 5 success model
30Approved customers
A broad approved customer base within your territory.
15Active customers
Customers consistently producing or submitting business.
5Strong prospects
High-quality prospects actively moving through approval in JANUS.
Check-ins and formal reviews
Daily check-ins your first week, weekly reviews with your sales leader for 90 days, and an experienced mentor the whole way.
30 DAYS60 DAYS90 DAYS120 DAYS180 DAYS
3
TPO products
What you’ll bring to your brokers and correspondents, from the GMFS Partners TPO Product Guide v9.3 (August 2026). Open any card for key guidelines.
WholesaleBrokers price, lock and submit through Connect.
CorrespondentNon-delegated correspondent partners, including One-Time Close and FHA DPA that can close in the correspondent’s name.
Eligible statesAL, AR, CO, FL, GA, IL, KY, LA, MS, NC, OK, SC, TN, TX, UT, VA
No products match that search.
GMFS overlays apply in addition to Fannie Mae, Freddie Mac, HUD, VA and USDA guidelines and the QM rule. No manufactured homes, co-ops or Section 32 loans. Bulletins posted after August 2026 supersede this summary.
Prelook: pre-approve borrowers before submission
TPO scenarios run through the UW HelpDesk and the Prelook process. Partners can get a borrower pre-approved, with or without a property address, right from Connect.
Gather the fileFull Prelook: 1003, credit, Approve/Eligible AUS and income docs. Income-only Prelook: 1003 and income docs.
Upload to ConnectEverything goes under the “Full Initial Package” document label. USDA files add a full written VOE, two years of W-2s and household tax returns.
Request PrelookSelect “Request Prelook” in Connect. No property yet? Enter the address as TBD.
Underwriting reviewsThe borrower is pre-approved before the loan is submitted, so partners make stronger offers.
A Prelook request doesn’t stop the loan from being a complete application. If all six TRID elements are entered at registration, disclosure timing applies.
UW HelpDesk lines
ConventionalFHAVAUSDANon-QM
A direct line to underwriting for every program, plus a Customer Relationship Representative for every partner.
4
Operations overview
The in-house team behind every file your partners send. Operations spans TPO disclosing, TPO processing, underwriting, closing, operations technology, and compliance and QC, led by Meredith Williams, Chief Operations Officer.
24 hrsUnderwriting turn time, new files and relooks
24 hrsClosing turn time (48 for construction)
24 hrsOverlay exception committee review
~95%Of broker files disclosed through FeeWise
How the TPO business is built
Channel
Product
Government is mostly FHA, with about 5% VA and 5% USDA. About 30% of correspondent volume closes on the correspondent’s own documents (COYOD).
The teams
TPO disclosing
Disclosure Desk
Jake Browning, Disclosure Desk Manager
- Manages FeeWise inside Connect, so brokers and correspondents self-generate disclosures for Conventional, FHA and USDA
- VA and One-Time Close loans are submitted through the platform for review and disclosure
- Tracks and completes change-of-circumstance documentation
130–150 files a month today · capacity for 250–300
TPO processing
Processing & CRRs
Mike Sorrells, VP of TPO Operations · 13 employees
- Upfront processing (4): first in, first out; sets files up for underwriting with next-day submission once complete
- Client Relationship Representatives (8): 6 assigned by client plus 2 floaters; confirm conditions are satisfied before underwriting review and own clear-to-close items like title and insurance, with same-day submission
- Post-closing (1.5): reviews close-on-your-own-docs packages before purchase
- Mike also supports client onboarding, training calls and client visits, and is the escalation point for partners
80 new submissions a month upfront · 70 closed loans a month per CRR
Underwriting
Underwriting
Ashton Ewing, VP of Underwriting · 12 underwriters
- Relooks first, then new looks, first in, first out
- At least 2 dedicated underwriters for each lower-volume product: VA, USDA, DSCR and One-Time Close
- Dedicated Conventional and FHA underwriters, cross-trained as volume shifts
- Junior underwriters handle modifications, junior-level conditions and condo questionnaires
24-hour turn time on new files and relooks
Closing
Closing & funding
Chanita Daniel, VP of Closing · 8 closers
- A TPO lead assigns files, reviews before purchase and preps purchase advice, plus a dedicated funding reviewer
- 5 closers use Snapdocs for hybrid eClosing; TPO closers own both the ICD and the closing package
- Texas attorney review through Black, Mann & Graham
24-hour turn time (48 for construction) · 75–90 loans per closer
Operations technology
Ops Technology
David Jagneaux, VP of Ops Technology & Ops Support
- Manages the tools behind every team: Connect, Encompass, Snapdocs, FeeWise, Reggora, Lodestar and Arive
- Robin Villere: Encompass admin and retail support
- Catherine Bottoms: Encompass admin, TPO portal admin and support
- David previously led closing at GMFS for 25 years
Checklists, automated conditions and milestones keep every queue moving
Underwriting capacity
Units per day at current efficiency.
Conventional (incl. OTC)17
FHA10
VA5
USDA3
Total35
About 31.5 a day once average PTO is factored in.
How underwriting works with your partners
- UW HelpDesk covers every product by phone or email.
- Prelook: income is calculated without a full credit file, and the client can submit ahead of a full package and go back to the same underwriter.
- Partial reviews are allowed for items that could change the decision, such as the appraisal.
- Overlay exceptions go to an exception committee (underwriting management, SVP of Secondary and COO) and are reviewed within 24 hours.
- LoanBeam calculates self-employed income today.
Initiatives
Recently completed
Connect TPO portalUpgraded client portal for scenarios, loan submission and condition fulfillment.
Client onboarding & recerts (JANUS)An online onboarding and recertification platform the sales team monitors in ELEVATE.
Arive Lender MarketplaceGMFS pricing shows to every client using Arive, and new prospects route to the sales team through ELEVATE.
In progress & next
Connect document OCRInitial submissions split and labeled automatically instead of by upfront processing.
Client-generated ICDsBrokers and correspondents generate their own Initial Closing Disclosures in FeeWise.
Arive to Connect integration3.4 file submission between systems with no download.
Conventional Fast TrackOCR and automation move a conventional loan into underwriting with no upfront processor touch.
Single-owner CRR modelOne CRR owns the file start to finish, with processors repositioned as back-end support.
UAD 3.6 appraisalsGMFS internal cutoff February 1, 2027, ahead of the May 2027 industry deadline.
VantageScore 4.0 / FICO 10TSystems and workflow ready to accept by January 2027.
Income calculation toolEvaluating a tool to complement LoanBeam.
5
ELEVATE & JANUS
GMFS builds and supports its own sales technology. ELEVATE is the AI platform you run your territory from. JANUS, inside ELEVATE, takes a new partner from invitation to approval online.
ELEVATE
GMFS’s proprietary AI platform, built to scale what top account executives already do best. It’s included with the platform, not a paid add-on.
Meet the GMFS Loan Guru
Watch the ELEVATE walkthrough
Ask any loan scenario question, run scenarios and get answers instantly. Built right into ELEVATE.
Elevate your pipelineReal-time visibility into every file and stage, plus lead generation and recapture tools that keep your book growing.
AI-driven lead intelligenceSurfaces warm prospects, active referral partners and refinance-ready past clients.
Elevate your marketingAI-driven content and campaign support, branded to you and your partners. Rate alerts trigger an automatic first touch.
Elevate your productionReal-time pricing, insights and workflow in one app, on your phone.
JANUS: partner approvals without the paperwork
JANUS is GMFS’s online system for bringing new broker and correspondent partners on board. It replaces paper packets, email attachments and phone calls with one digital application the partner fills out, GMFS reviews, and you track the whole way.
You send the inviteFrom the prospect’s profile in ELEVATE, click “Send Application.” The partner gets a branded email invitation.
The partner applies onlineA guided, step-by-step application with document upload in one place. Wholesale and correspondent run side by side.
GMFS reviews itThe file goes straight to a review queue. A GMFS reviewer works it, and final approval goes to the CFO.
You watch it moveInside ELEVATE: invited, started, percent complete, under review, approved.
Faster approvalsPartners apply on their own time. Nothing gets lost in an inbox.
Live statusSee where every application stands without calling operations.
You own the relationshipEvery JANUS email points the partner back to their District Director.
A strong first impressionNew partners start with a modern, branded experience.
No extra loginJANUS is connected to ELEVATE, the tool you already use.
At GMFS, getting a new partner approved doesn’t mean chasing paperwork. You send the invite from ELEVATE, they apply online, and you watch it move to approval in real time.
tpo-apply.gmfslending.com/apply
What your partner sees: a branded sign-in to their application.
tpo-apply.gmfslending.com/review
JANUSDashboard
Select a stage to view its applications. To send a new application, open the prospect in ELEVATE and select Send Application.
12Unopened invites
4In progress
3Ready for review
1Ready for CFO
9Completed
1Withdrawn
| COMPANY | TYPE | STATUS | STATE | |
|---|---|---|---|---|
| Magnolia Lending GroupSample partner | Broker | Submitted | MS | Review → |
| Riverbend Home LoansSample partner | Both | Under review | AL | Review → |
| Cypress Point MortgageSample partner | Broker | Under review | TN | Review → |
The JANUS review dashboard, shown with sample partners.
6
Connect: the portal your partners live in
Connect is the all-new GMFS Partners client portal. Your brokers and correspondents price, lock and manage loans from any device, and they sign up through you, their District Director.
Price a loan in Connect in about 30 seconds.
Real-time pricing, anytime, anywhere
Lock a loan from your phone in less than 30 seconds.
Partners save and refresh pricing scenarios for quick access to the best rate and price with one click. You already know the GMFS process. Connect makes it faster, simpler and easier to use from start to finish.
“GMFS Connect is extremely user-friendly and easy to navigate.”Laurie T., GMFS partner
Built for speedA significantly faster pricing and locking engine moves scenarios into the pipeline in record time.
Modern interfaceA clean, streamlined design removes the clutter so partners can focus on the loan, not the software.
Mobile-readyCheck loan status, review conditions and lock rates from any device.
Frictionless actionsOne-click access to AUS, appraisals and CD requests from the dashboard.
connect.gmfspartners.com
The Connect dashboard: Price a Loan, My Pipeline, saved scenarios (including UW scenarios and bank-statement income) and What’s New.
Launch campaign you can share with your partners.
Why Connect matters to you as a DD
You open the doorPartners get signed up for Connect through their District Director.
Support routes to youEvery Connect help request is tied to the partner’s District Director.
A reason to callFaster pricing and mobile locking give you something new to show every account.
Works with their LOSGMFS pricing is live in Arive’s Lender Marketplace for partners on that LOS.
Dedicated supportCatherine Bottoms supports Connect for you and your partners.
7
Technology vendors
A modern, connected stack across the full loan lifecycle. Access is set up early enough for you to practice during training, and every platform has a named support contact.
20+Integrated platforms
24/7AI pipeline visibility
2Built by GMFS
“Behind the scenes” platforms are run by GMFS operations. You won’t need a login, but you’ll know what each one does for your partners’ files.
8
Why GMFS Partners
A regional partner that shows up. GMFS has supported mortgage professionals and their clients since 1999, built on trust, service and strong relationships.
Privately held & personally led
Decisions are made quickly, without layers of corporate red tape, by leadership you actually know.
In-house operations
Underwriting and processing are in-house, so your partners’ files move fast and their clients stay happy.
Competitive pricing
We stay competitive in the market, so your partners keep coming back.
Real experts on the phone
UW HelpDesk lines for every program, a Customer Relationship Representative for every partner, the Prelook process to pre-approve borrowers before submission, and product-specific underwriters.
Recognized nationally
#1 Wholesale Lender in Louisiana2026
#26 National Top Wholesale Lender2026
#15 National Top Correspondent Lender2026
A team people stay with
200+Employees
11+Years average tenure
81%Have been here 5+ years
22%Have 15+ years at GMFS
Ready to elevate your business?
In-house underwriting, dedicated account support and competitive pricing, with a team that shows up every step of the way.