2. Grid Origination Services, Inc., delivers
effective solutions
with a combination of a unique delivery model,
mortgage domain expertise, market knowledge and
customer focus that provides our clients with
superior support and service.

3. TESTIMONIALS
"Grid has been an integral business partner of First Reliance Bank for the last several years. Through our
relationship with Grid, we have significantly improved our operational efficiencies by reducing fixed costs.
Their experience, knowledge and dedication to customer service plays a major role for our bank to effectively
compete in the marketplace. We consider them a valuable resource to our team." -Ken Cox, EVP Mortgage
Banking, First Reliance Bank, South Carolina
"Grid provides a great solution to the industry need for underwriting efficiency, consistency, and scalability. In
addition, their entire staff is courteous and conscientious and sincerely want to help close loans.“ -President,
Virginia mortgage lender
"By outsourcing our processing and closing functions to Grid, we have been able to focus on our core
competencies of origination and sales. The cost-effectiveness and scalability of your services allows us to
increase our production at a rate that would have been impossible with the traditional internal employee
structure. Grid has delivered as promised, allowing us to achieve record production." -EVP, Tennessee
community Bank
"I was concerned that we would lose control of our pipeline by outsourcing our underwriting, but I found the
opposite to be true. We are able to better manage our pipeline by using Grid’s underwriting fulfillment
services. Our Grid underwriter quickly became part of our team; she is a good common-sense underwriter that
provides fast turn-times with thorough and accurately underwritten loans." -SVP, #1 North Carolina
Community Bank
"Grid has the ability to underwrite to the standard of quality we expect from our own employees which
included a significant number of overlays. Grid was able to ramp up quickly when our business required it and
helped us capture significant market opportunities while maintaining quality standards." -National
Underwriting Manager, Top Ten National Bank

4. BACKGROUND
• Grid is a Business Process Outsource firm located in
Raleigh, NC
• National footprint servicing banks and mortgage
lenders
• Provides end-to-end mortgage processing solutions
that assist brokers, bankers, and lenders
• Entirely domestic based business support model
gives unique insight into market needs

5. BENEFITS
Grid’s approach provides the process knowledge tools
to service client needs effectively
•Streamlines partners’ business operations
•Reduces costs and turnaround times
•Optimizes operational capacity
•Increases productivity
•Improves quality
•Enhances responsiveness
•Meets and/or exceeds service level commitments

6. ORIGINATION FULFILLMENT
Highly qualified seasoned mortgage professionals include
staff processors, underwriters and closers
•Data entry
•Document collection
•Processing with complete customer/client interaction
•File underwriting
•Complete closing services
•Post closing audits
•Trailing document management
•Direct investor shipping
•Quality control audits

7. ORIGINATION FULFILLMENT PARTNER
By choosing Grid, you…
•Are able to access any piece or an entire custom
solution to meet your needs
•Have flexibility to your front end sales functions which
allows you to concentrate on your customers’ needs
•Maintain turn times where you want them with the
availability of short-term engagements
•Avoid using a vendor’s loan origination system, as Grid’s
resources are trained to use your system – providing full
transparency

8. ORIGINATION FULFILLMENT PARTNER
By choosing Grid, you…
•Avoid the tremendous expense and reputational risk
associated with fluctuations in headcount
•Enjoy a modest and predictable cost to originate.
•Meet your requirements while avoiding full-time staff
expenses and training
•Tip the economies of scale in your favor when Grid
augments staff to your dedicated team as needed
•Receive top-level customer service, as customer service
is our foremost mission

9. MORTGAGE FULFILLMENT
Loan Setup
•File pre-audit
•Data entry
•3rd party service
requests
•Re-disclosures, as
necessary
Loan Processing
•Customer welcome letter
•Missing document request
•Scheduling and ordering
(appraisal, title, etc.)
•Document review
•Automated underwriting
decision
•Underwriting submission
(Grid Financial, client or
investor)
•Final stipulation clearance
Loan Underwriting
•File review
•Underwrite to investor
guidelines
including risk overlays
•Review and clear
conditions
•Decision the file and sign
off on final stipulations

10. MORTGAGE FULFILLMENT
Loan Closing
•Schedule closing
•Get final approval from
client to close
•Prepare closing
instructions
•Review settlement
statement for accuracy
•Send documents to
attorney
•Submit wire request
•Verify closing/funding
•Receive executed and
recorded package
Post Closing / Shipping
•Audit file for documents
and signatures
•Put in correct stacking
order
•Collect any trailing
documents
•Ship file to client for
review or to investor
•Clear any funding
deficiencies
Quality Control
•Review compliance
documents for accuracy.
•Review credit package
•Request and review 3rd
party services
•Create and provide
comprehensive report
documenting all
compliance and credit
errors.

11. CONTACT
Grid Origination Services, Inc.
2724 Discovery Drive
Raleigh, NC 27616
Paul Hindman
Owner/VP Managing Director of Business Development
919-803-1665
Bill Dunn
Owner/VP Managing Director of Operations
919-744-2103
http://gridoriginationservices.com