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What is the Realty Origination System for Everyone? It is our proprietary web-based system which enables Realtors and other professionals to earn an Origination Fee on conventional purchase mortgages by simply following our “7 Steps” on-line on each loan.
 

 

 
Can I see a sample of the Mortgage Offers that I will send to my Prospects? Yes, click "Sample of our "state of the art" Mortgage Offers".  It shows our typical closing costs too (The Origination Fee would be earned by you).
 

 

 
How is this possible? HUD/RESPA, TREC, and TDSML allow Realtors and other professionals to earn an Origination Fee for taking an application, providing disclosures, and performing certain other mortgage origination services.  Thousands of realtors and other professionals in Texas and across the United States are already originating. 
 

 

 
Why is this beneficial?  Benefits include earning more money on every transaction, convenient "one-stop shopping" for the borrower, and improved speed and communication in the loan process.
 

 

 
Who is Sweetwater Mortgage Company?  We are a 1994 established, Texas incorporated, FHA and VA approved, correspondent lender and mortgage broker serving Houston, Dallas, Austin, San Antonio and all of Texas.  We have underwriting capability, draw our own docs, and can fund our own loans.  We have earned an excellent reputation in the Texas real estate community for outstanding programs, rates, closing costs, customer service, and “cutting-edge” technology.  In addition, we have received numerous awards and recognition such as the Wall Street Journal's "Most Competitive Rates", LendingTree's "Face of Success", LendingTree's prestigious "President's Club Award", several LendingTree "Gold Leaf Awards", LendingTree's 2006 "Most Improved Lender - Purchase Close Rate", the Better Business Bureau's 2007, 2009, and 2010 "Gold Star Award", Chase's "True Blue Preferred Broker", and Amtrust's "Top Partners in 2008"!
 

 

 
Where would I originate loans?  You will be able to originate any Texas residential conventional mortgage from the convenience of your own computer.
 

 

 

When can I start originating loans? First, you must become a licensed Loan Officer with our company by doing the following:

New Loan Officers
1.  We will send you a Texas Department of Savings and Mortgage Lending Application for Loan Officer License with Instructions.
2.  For Non-Real Estate Brokers or Non-Attorneys: 56 hours of approved core mortgage education + 4 hours of ethics. For Real Estate Brokers or Attorneys: 28 hours of Core classroom training + 2 hours of Ethics.
3.  Pass the state Pre-Licensing Examination and get Fingerprinted.  See the last pages of the application for more information about this.
4.  Mail the completed Application Package to us including the completed Texas Department of Savings and Mortgage Lending Application, evidence of Fingerprinting, evidence of required hours of education, evidence of passing the State Pre-Licensing Exam, and a check payable to the Texas Department of Savings and Mortgage Lending for $329.25.
5. After we receive your Application Package, we will send it to the TDSML for approval. While waiting for the approval (which can take about 5 weeks), we will train and orientate you with the ROSE system.
Currently Licensed Loan Officers

1. Complete the attached Texas Department of Savings and Mortgage Lending Loan Officer Change Form and Loan Officer Sponsor Certification Form.
2. Mail the completed Forms and a check payable to the Texas Department of Savings and Mortgage Lending for $25.

3. After we receive the Forms, we will send it to the TDSML for approval. While waiting for the approval (which can take about 10 days), we will train and orientate you with the ROSE system.

IMPORTANT: Please go to http://www.sml.state.tx.us/index.html for more reliable information about licensing requirements.

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