Non-Disclosure of YSP
City 1st is a full-service mortgage banker, funding our own loans including: FHA, VA, subprime, rural housing, equity, and of course Fannie/Freddie products. Never again will you have to cringe when a client or competitor mentions a product you can't deliver. Never again will you have to disclose your YSP.

In-House Conventional Underwriting
In-house conventional delegated underwriting. No more sending files across the country to an unknown underwriter.

Construction
Not only does City 1st have in-house traditional construction lending and underwriting, but all of the following enhanced construction options: acquisition, spec, development, owner-build, lot loans, stated, 100%, and investment properties.

Government Products
Full access to VA and FHA products and in-house delegated FHA underwriting.

Multi-State Licensing
Market, originate, and close loans in the majority of state across the country under City 1st licenses.

Corporate Accounting Services
Weekly payroll and accounting provided by City 1st accounting department, including payment of mangers, originators, processors, and facility overhead expenses.

1stLink Internet
Extensive 1stLink retail internet site including video training for originators and processors, multi-state licensing information, pricing engines, marketing tools, to name just a few.

Work from Anywhere
Wide-area loan pipeline management via secure internet servers. Originate, process and manage your branch's files from anywhere and to anywhere with an internet connection.

Training & Support
You'll find tremendous support and training materials for yourself, your staff and your clients through the City 1st team. Join our "think tank" of professionals on the tough loans. City 1st also provides cutting-edge training technologies through internet streaming video sessions, and-weekly company-wide conference training calls. You'll never feel at a distance from City 1st no matter where your office is.

Originator State Test Prep
Utah originator test training provided free of charge to new branch hirees.

Bonding & Insurances
Bonding and professional liability insurances provided automatically as part of the City 1st corporate umbrella.

In-House Legal
In-house legal department for RESPA, HUD, advertising and compliance issues.