Branch Manager and Loan Originator Employment Opportunities

What We Do, Where We Do It and How We Get It Done

In 1995, our founders Phil Siebert and Jim Guzanick, launched GSF Mortgage Corporation in Wisconsin and Illinois. It wasn’t long before the small mortgage brokerage garnered a reputation for its low rates, fair lending practices and remarkable customer service.

It was the company’s loyalty to customers that led the firm in 2001 to transform its business model from a brokerage into a full-service direct mortgage lender. Soon, the company expanded outside of the Midwest, into multiple states across the country.

Under the company’s new president, Chad Jampedro, GSF Mortgage continues to expand, yet remains dedicated to consumer education, process transparency and the ability to offer customers a wide selection of mortgage products. Our company has earned access and developed experience with nearly every agency and government-backed residential home mortgage program, while offering the most competitive and flexible terms available.

In addition to being approved as a Fannie Mae Direct Seller/Servicer, and most recently a Ginnie Mae Securities Issuer, we also provide support for state bond, rehabilitation, second-lien and Jumbo lending programs.

More than 23 years later, GSF continues to be recognized for its dedication to customers. Our GoGSF brand strives to combine state-of-the-art technology with customized loan programs, and a customer focused lending process. There is a reason why GSF Mortgage has more than 40,000 successful retail mortgage transactions to date and maintains an A+ Better Business Bureau rating.

We call it: "Lending in Your Favor".

GSF Mortgage Corporation is dedicated to the prosperity of its customers. We are committed to demonstrating the utmost integrity - both professionally and personally - while providing top quality service. We focus on securing the best possible outcome for those who place their trust in us for their mortgage needs.

GSF is committed to providing a personal service that is unmatched in the industry. We recognize that in this world of speed-over-service mortgage companies, often times customers are left unaware of their options, confused by the process and unhappy with the results. This is not the experience we create for our customers.

We recognize that the dream of owning a home is a personal and emotional one, and pride ourselves on taking that journey with our customers.

We promise to get to know each customer individually, to listen intently to their experiences, abilities, wants and needs, and to use our expertise to provide that customer with the best possible options for their unique situation.

We believe that respect, integrity, knowledge, and personal relationships with our customers is what sets GSF Mortgage Corporation apart from other companies and allows us to earn and maintain the trust necessary to build life-long partnerships as well as to grow in influence and reputation.

We believe that this is not only the formula for success - it is the formula for excellence.

President

Chad Jampedro

VP of Retail Branch Developement

Rich Obermeier

Chief Operating Officer

Debbie Beier

Chief Financial Officer

Bruce Olster

GSF Mortgage has access to some of the top industry products as well as solutions that you will not find at any other company. 

Our approach is not to take away the essence of the originator but to share operational, legal, underwriting, regulatory and compliance resources.

We offer a suite of systems that helps to streamline the loan process while staying within regulations and compliance. 

Government Product List 

FHA – 500 MINIMUM CREDIT SCORE
FHA 
30, 25, 20, 15, 10 year fixed

FHA ARM
3/1, 5/1, 7/1

 
FHA High Balance
30, 25, 20, 15, 10 year fixed

FHA 5/1 ARM- High Balance


FHA- Easy Finance 
30, 25, 20, 15, 10 year fixed

FHA- Streamline
30, 25, 20, 15, 10 year fixed

FHA 5/1 ARM- Streamline 

FHA- Full 203K
30, 25, 20, 15, 10 year fixed

FHA- Full 203K- High Balance 
30, 25, 20, 15, 10 year fixed

FHA- Limited 203K
30, 25, 20, 15, 10 year fixed
 
FHA- Limited 203K - High Balance
30, 25, 20, 15, 10 year fixed

 
FHA- HUD REO Repair Escrow
30, 25, 20, 15, 10 year fixed


FHA- HUD REO Repair Escrow- High Balance 
30, 25, 20, 15, 10 year fixed


FHA- $100 Down Proram
30, 25, 20, 15, 10 year fixed

FHA- High Balance- $100 DOWN PROGRAM
30, 25, 20, 15, 10 year fixed

FHA- One Time Close  


VA- 580 MINIMUM CREDIT SCORE
VA  
30, 25, 20, 15, 10 year fixed

VA 5/1 ARM

VA- High Balance 
30, 25, 20, 15, 10 year fixed


VA 5/1 ARM- High Balance


VA- Easy Finance
30, 25, 20, 15, 10 year fixed

VA- IRRRL
30, 25. 20. 15. 10 year fixed

VA 5/1 ARM- High Balance


VA- IRRRL - High Balance
30, 25, 20, 15, 10 year fixed


VA 5/1 ARM- IRRRL- High Balance


VA- Jumbo
30, 25, 20, 15, 10 year fixed


VA- One Time Close

USDA- 620 MINIMUM CREDIT SCORE
USDA 30 Year Fixed
USDA 30 Year Fixed- Streamline
USDA 30 Year Fixed- Streamline Assist Program

 

Conventional Product List

ARM Products (Agency)
3/1, 5/1, 7/1 and 10/1

ARM Products (Non-Conforming/Jumbo)
5/1, 7/1 and 10/1

Agency High Balance
15, 20, 25, 30 year fixed

Agency Fixed (Fannie and Freddie)
10, 15, 20, 25, 30 year fixed

DU Refi Plus (Fannie)
10, 15, 20, 25, 30 year fixed

LP Open Access (Freddie)
10, 15, 20, 25, 30 year fixed

 

Jumbo (Non-Conforming)
10, 15, 20, 25, 30 year fixed

 

Easy Finance
10, 15, 20, 25, 30 year fixed

Fannie Mae HomeStyle Renovation Program
15 and 30 year fixed

Texas Cash-Out
5/1, 7/1, 10/1 ARM
10, 15, 20, 25, 30 year fixed

Fannie Mae HomeReady
10, 15, 20, 25, 30 year fixed
5/1, 7/1 and 10/1 ARM

Freddie Mac Doctor Loan (Conforming and High Balance)
7/1 and 10/1 ARM
10, 15, 20, 25, 30 year fixed

Non-QM Products (Sprout)- All are 5/1, 7/1 ARM or 30 year fixed

  • Income per Bank Statements
  • Asset Depletion
  • Investor No Ratio
  • Residual Income
  • Non-Warrantable Condos

Government Underwriting Overlays

VA - 580 NO OVERLAYS!!

USDA - 620 NO OVERLAYS!!

FHA Middle Score 600 & over NO OVERLAYS!!

FHA Middle Credit Score 599-580
  • Housing verification required 12 months no late payments
  • No late payments in the last 12 months on all trade lines
  • Debt ratios over 31/43% must follow HUD compensating factor guidelines 2-year employment history with no gaps in employment


FHA allowable compensating factors effective 9/14/2015.

Ratios 34/47%
One of the following:

  • 3 months verified and documented cash reserves;
  • minimal increase in housing payment; or
  • residual income. 

Ratios 40/50%
Two of the following:

  • 3 months verified and documented cash reserves; minimal increase in housing payment;
  • significant additional income not reflected in Effective Income; and/or
  • residual income

Conventional Underwriting Overlays

Minimum credit score required is 620

GSF is very proud that we have recently been approved as a Ginnie Mae Issuer. Ginnie Mae facilitates the securitization of government-insured products. They are not in the business of making or purchasing mortgage loans and do not buy, sell or issue securities.

We are pleased to share in Ginnie Mae’s mission to expand affordable housing throughout the markets they serve. In 1995, GSF Mortgage was formed to provide solutions for borrowers pursuing homeownership. GSF’s stability and expertise originating FHA, VA and USDA loans has allowed the company to meet the high standards of Ginnie Mae and become eligible for the privilege of becoming a direct servicer. This directly translates to offering more products, lessening underwriting requirements and lowering interest rates directly to the customer.

What does that mean for our originators?

The ability to issue Ginnie Mae securities will allow GSF to establish its own underwriting criteria within agency guidelines and retain the servicing rights of the borrower’s. Our goal is to continue to serve our borrowers at the highest-level, beginning at origination and continuing as their servicer. Customer support and retention is at the core of our business plan and becoming a Ginnie Mae Issuer allows us an opportunity to be more to our borrowers over the life of their loan. As a member of our origination staff, this means that you will have the ability to retain your customer’s future business, in the event of a refinance or new purchase. This is a huge step in preventing a competitor or alternate servicer to capture their attention when they are ready to get another loan.

GSF Locations

GSF Mortgage has access to some of the top systems in the industry. We also offer solutions that you will not find at any other company.

Our approach is not to take away the essence of the organization but to share operational, legal, underwriting regulatory and compliance resources. 

We offer a suite of systems that helps to streamline the loan process while staying within regulations and compliance.

When making a transition to GSF Mortgage, you will not be alone. We have a dedicated onboarding team to help ensure a smooth transition and to answer any questions you may have. You will receive a warm welcome from our marketing team and an overview of all the marketing resources available. 

Immediate Marketing Support Includes: 

  • Business Cards
  • Personal GSF Mortgage Loan Officer Page
  • Press Release Announcing Your Transition
  • Local Facebook and Google Campaigns 
At GSF Mortgage, we keep it simple. We offer four core marketing strategies to set you a part in your market: 
  • GSF 100* - 100% financing exclusively at GSF Mortgage. 
  • Finance First - Your customer can receive a pre-underwritten loan before they start shopping for their home. If they sign a contact within 30 days, GSF will pay for their appraisal. 
  • Homeland Heroes - Exclusive discount for nurses, firefighters, EMTs, law enforcement, teachers and flight crew. 
  • Lightning Home Loans - When a customer completes their loan through our mobile app, GSF will close their loan in 15 days. 

We offer marketing that is built to fit your needs. GSF Mortgage has it's own in-house marketing team that can customize a wide-range of marketing collateral to fit your needs. 

GSF Mortgage also provides one-on-one business development. We understand that each loan originator has their own unique approach and we will work with you to create a business and marketing plan that you will feel confident implementing in your market.

Operation Systems

Marketing Systems

Communication Systems

 

Formerly known as BMO Retirement Services, OneAmerica offers online retirement plan solutions with daily plan valuation, educated investor newsletter and free learning and video/resource library. You can choose from a vast array of fund offerings, including roth contributions. 

The biggest name in business, this nationwide insurance coverage ensures that GSF employees can get physician and hospital access no matter where they are or where they plan to go. 

"GSF Mortgage is a company that truly cares about making sure all of its employees have the tools they need to be successful, whether that's having all the loan programs for us to state of the art marketing. To stay relative takes the initiative of accepting constant change and GSF Mortgage sees this as opportunity to grow. I can't be any more excited to be a part of a company that cares about expanding their growth just as much as maintaining it." - Scott Finklea | Mandeville, LA

"Working with GSF is like the first day of spring. When you think about corporate America, you automatically think cold and strict. Last year I was worried about the transition from operating my own brokerage to operating a division of GSF Mortgage Corporation. I was not sure if I could handle the transition from being my own boss to working under someone again. I must say that my worry has since then been laid to rest. I do not remember working for a company that does not care about their employees like GSF Mortgage Corporation.

They are interested in the ideas that you present them as well as how is your day going. GSF offers you support, and it feels great to work for a company that has your back, instead of sending me “forth as sheep in the midst of wolves.” It has been an interesting experience working with GSF and I look forward to growing with them in the years to come."
-Brad Bennett | York, PA

 

I came to GSF Mortgage Corporation in February of 2014.  I had been a Loan Originator in the industry for about 16 years either as a broker or working for other mortgage banks.  I was tired.  Tired of being promised things that didn’t come to fruition.  Tired of trying to work through layers of management to get any answers. 

The day I called GSF Mortgage Corporation, the head of marketing answered the phone.  I told her who I was and that I was looking to find a company to work with that I could trust and where I wanted to end my career.  She told me to hold tight and someone would call me back within the hour.  Mike Maida, called me back within 10 minutes.  And he said “What can we do so that you will join us at GSF Mortgage Corp?”.  How refreshing!  Someone asking me what I wanted. 

"While it’s only been a little over 3 years since I joined the company and the company has experienced some growing pains, what I love about GSF is that they LISTEN. I mean REALLY LISTEN. The President of the company is not some icon.  We know him.  He talks to us and he hears what we say. He has been a loan originator in the past. He gets it. He understands sales and how hard this job can be and he wants GSF Mortgage to be the mortgage company of choice. He wants every client to feel that their experience getting a mortgage with GSF was a good one and that they will come back to us again and that they will tell all their friends and family. 

His understanding resonates with the rest of the company. He leads by example and the rest of the people that work at GSF Mortgage’s corporate office follow him and recognize that those of us out in the field are what makes this company go and grow.  They CARE. While we are continuing to grow, we still seem are a small company on the inside with a presence of a large company.

I made a good choice.  This is where I want to end my mortgage career." -Michelle Nikolay | Marshfield, WI

 

"Even though most of us are not located in the same state, everyone is just a call or email away from helping. I've work for the larger mortgage companies where you just feel like a number, at GSF your voice matters and everyone truly cares. The "customer first" attitude from our team is very refreshing. It's a culture that I'm proud to be apart of!" -Jim Donovan, Loan Originator | St. Louis, MO

"I have worked for GSF Mortgage Corporation for 15 years and will continue to work for them as long as I am in the mortgage business. They take the time to listen to their workforce and continue to implement change where necessary to be sure we are all functioning at the top of our game. Our top management always have their sights many steps ahead, so we can be an innovative company ready for market changes. It all comes down to giving our customers a great smooth experience!" - Jennifer Butcher, Loan Originator | Dayton, MN

 

Why Five

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23 Years

GSF Mortgage has thrived in the retail mortgage market for more than 23 years. Our ongoing success is due to our experience, stability and ability to adapt to the ever-changing markets. We know what it takes to develop successful branches and will continue to adapt as the market continues to evolve.

Branch Management

Our branches are encouraged to build a business to serve their specific market. Your business plan, your experience and your potential are realized as you manage your GoGSF branch. We will support you in building a business that is effective and lasting.

All The Tickets

As a testament to GSF Mortgage’s experience and stability, we are approved as a direct seller/servicer with both Fannie Mae and Freddie Mac, as well as a direct Ginnie Mae Issuer. There is a control and flexibility gained by partnering with the agencies directly - by eliminating the middle man, we can offer less restrictive guidelines and close more loans.

Our Mission Statement

GSF Mortgage Corporation is dedicated to the prosperity of its customers. We are committed to demonstrating the utmost integrity - both professionally and personally - while providing top quality service. We focus on securing the best possible outcome for those who place their trust in us for their mortgage needs.

GSF is committed to providing a personal service that is unmatched in the industry. We recognize that in this world of speed-over-service mortgage companies, often times customers are left unaware of their options, confused by the process and unhappy with the results. This is not the experience we create for our customers.

We recognize that the dream of owning a home is a personal and emotional one, and pride ourselves on taking that journey with our customers.

We promise to get to know each customer individually, to listen intently to their experiences, abilities, wants and needs, and to use our expertise to provide that customer with the best possible options for their unique situation.

We believe that respect, integrity, knowledge, and personal relationships with our customers is what sets GSF Mortgage Corporation apart from other companies and allows us to earn and maintain the trust necessary to build life-long partnerships as well as to grow in influence and reputation.

We believe that this is not only the formula for success - it is the formula for excellence.

Start Here

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Fill out the form on the right and Rich Obermeier will give you a call to discuss opportunities as well as answer any additional questions you may have about GSF Mortgage.

All conversations will be kept strictly confidential. 

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