ADVANTAGES of SFF

"The Advantages of Mortgage Banking and Brokering" Being a mortgage banker is one of the benefits of working at Security First Financial. With your status as a mortgage banker you will be able to:

* Close and fund loans in Security First Financial's name and you don't disclose yield spread premiums.

* Control:
- Closing through our bank you will be able to have more control over underwriting, closings, and funding

- Security First Financial allows you to make the decision when to broker your loan or bank it with Security First Financial.

* Delegated Underwriting - we underwrite our own files daily. (Some programs require Investor Approval)

* Protection from imminent changes in RESPA laws:
- Exemption from yield spread disclosure

* Payout in 5 business days or less. No waiting for the loan to sell:
- 100% commission.

* "Internal rate sheets" that are delivered each morning to the website for daily printing.

As a banker/ broker you are still able to broker loans to investors that have products better suited for your loan applicant. Security First Financial has broker relationships with over 100 lenders nationwide and counting. We do not attempt to control your business. We feel that it is important to the consumer for their personal broker to have the freedom to send their loan to whoever has the best loan product.

We have included some of our Security First Financial products and some
of our over 100 lenders . If one of your favorites is not listed, then we will add them at your request.