www.southeastmortgage.com Phone: 770-279-0222
Showing posts with label Kathy Gyselinck. Show all posts
Showing posts with label Kathy Gyselinck. Show all posts
Sunday, September 23, 2018
Monday, September 17, 2018
Sustainable Strategy Explained
For those that experienced mortgage company transition or sought refuge in a bank during 2008-2009, this is how to enjoy the next recession and grow through it.
www.southeastmortgage.com Phone: 770-279-0222
www.southeastmortgage.com Phone: 770-279-0222
Monday, September 10, 2018
The SEM Culture & How We Have Changed The Path For The Future Of Our Employees
Kathy Gyselinck, Chief Operating Officer & Major Shareholder, discusses The SEM Culture & How We Have Changed The
Path For The Future Of Our Employees.
"I have worked with Kathy at two banks and Southeast Mortgage of Georgia, Inc. for 30 years. She shares our passion for fairness and opportunity for all. As one of our largest shareholders, Kathy is an example that belief and dedication to a common goal can fulfill your life's ambition." Cal Haupt, Chairman and Chief Executive Officer.
www.southeastmortgage.com Phone: 770-279-0222
"I have worked with Kathy at two banks and Southeast Mortgage of Georgia, Inc. for 30 years. She shares our passion for fairness and opportunity for all. As one of our largest shareholders, Kathy is an example that belief and dedication to a common goal can fulfill your life's ambition." Cal Haupt, Chairman and Chief Executive Officer.
www.southeastmortgage.com Phone: 770-279-0222
Sunday, December 17, 2017
Kathy Gyselinck - Chief Operating Officer at Southeast Mortgage
Kathy Gyselinck, Executive Vice President at Southeast Mortgage of Georgia, Inc., was promoted to Chief Operating Officer at Southeast Mortgage Saturday night at the Ritz Carlton Atlanta during the Annual Christmas Party.
"I have worked with Kathy since the early 90s starting at Barnett Bank. When I first met her, she was pregnant with Molly who is now our Marketing Manager at Southeast Mortgage, SEM. Kathy is formally trained in credit analysis, business lending, consumer lending, 6/63, Bank Operations and is a past Regional Bank Manager overseeing all aspects of a large region. In 1993, Kathy and her husband Jimmy were at the table when I typed the first Southeast Mortgage Application and prepared the package for submission to the investor. Since then Kathy has had a hand in many of the evolutions at SEM. If we needed something done, she was the go to person. With our launch of the Game Changing GooRu channel, she possessed the in depth knowledge required to adapt to the surge of volume as we move into 2018. Kathy is a long time friend of mine, a respected colleague, and one of the largest Shareholders at SEM. I personally am very proud of what she has accomplished and our team could not be more supportive." Cal Haupt, Chairman and CEO, Southeast Mortgage of Georgia, Inc.
Thursday, March 23, 2017
Recent Retiree List (The Ultimate Career Done Well)
I always ask myself, do they share in the wealth they build for their owners?
Ask yourself these questions:
1. Do you have a path to retire that includes equity in the company you help create? If you can only rely on what you save from your 30 - 120 bps per deal, you need to re-think how you will retire.
2. Have you worked hard only to start over again when your company sold or left your market? Did they cut you a check when they sold?
3. If you do not act now to explore a path to retire, what will you do if mortgage delivery channels change before you have saved enough? The company will benefit but will technology reduce your compensation?
I admire loyalty and friendship (SEM has the longest tenure and tenure of key people in the industry thanks to a Village view of loyalty); however, it is a two way street. Solidify your family's future longer than a month out.
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| Do your Career Right |
Call 770-279-0222 ask for Shaun Graham or Kim Thompson or Jason Hultgren
http://southeastmortgage.blogspot.com/2017/03/this-is-sem-difference-great-insight.html
Thursday, March 2, 2017
Tuesday, June 28, 2016
Southeast Mortgage's NEW Headquarters / Operations / Life Balance Center (Updated Pictures)
3 months to go. Southeast Mortgage of Georgia, Inc. - New Operations / Headquarters that supports our 14 Offices is moving rapidly to completion.
This will be the coolest most employee health friendly work place in the southeast.
A great healthy place to work that brings life balance into the work place. Stay tuned for the amenities list! Will be WOW like we WOW our partners and clients.....
www.southeastmortgage.com
770-279-0222
This will be the coolest most employee health friendly work place in the southeast.
A great healthy place to work that brings life balance into the work place. Stay tuned for the amenities list! Will be WOW like we WOW our partners and clients.....
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| Entrance 4th Floor |
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| 3rd Floor TEAM Social / Workout |
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| Cross Road East and West Side 4th Floor |
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| Stairs from 4th to 3rd Floor TEAM Social and Workout Floor |
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| Operations |
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| Operations |
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770-279-0222
Monday, December 14, 2015
Twas the night before Closing... A Southeast Mortgage CRM Production
A special video for the Southeast Mortgage Village. Thank you for a great 2015!
770-279-0222
Tuesday, August 4, 2015
Underwriter's perspective - Southeast Mortgage
Due to our low operations and underwriting turnover, our team is used to a fair, safe, and valued work environment and we sometimes need to be reminded what a wonderful environment we have to work in. Our Village, http://southeastmortgage.blogspot.com/2013/03/the-village-by-cal-haupt.html , is unique and we should all be thankful for the contribution each of our teammates makes to the overall caring and cooperative environment we are fortunate to call our work place.
This particular email touched me due to the technical nature of underwriting tends to make that profession isolated. Being a Commercial Underwriter in my past I understand its nature; however, we are social beings and working on site with people is a intangible benefit for all humans and helps us balance our lives. Hiring a talented teammate is a plus, hearing that teammate is happy and making us a part of their long term plan makes the years of hard smart work worth every hour.....
Thank you Denia,
Cal
This particular email touched me due to the technical nature of underwriting tends to make that profession isolated. Being a Commercial Underwriter in my past I understand its nature; however, we are social beings and working on site with people is a intangible benefit for all humans and helps us balance our lives. Hiring a talented teammate is a plus, hearing that teammate is happy and making us a part of their long term plan makes the years of hard smart work worth every hour.....
Thank you Denia,
Cal
Thursday, October 30, 2014
Friday, October 24, 2014
Social Max - Our Builders and Realtors had a blast last night!
Standing Room Only at our Perimeter Social Max
Realtors Love to Update their Profile Pictures for new business cards and Social Media
JD, Kathy, and Cal ready for a night of fun
Jenna and Emily Always Fun
Join us for our next Event
www.southeastmortgage.com
770-279-0222
Friday, August 8, 2014
Tuesday, November 26, 2013
Qualified Mortgages Being Introduced In January to Protect Lenders and Consumers
Starting on Jan. 10, qualified mortgages, sometimes referred to as “Q.M.”, will be introduced as a new way of conducting home mortgage loan origination in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Kathy Gyselinck is Executive Vice President for Southeast Mortgage
Other stipulations include that the loan must be fully paid off with a term not to exceed 30 years. Additionally, points and fees paid by the borrower cannot exceed 3 percent of the total loan amount and lenders must be able to prove the borrower’s ability to repay the loan.
The new procedure helps protect mortgage loan originators more than ever. If a lender meets the conditions and underwriting standards, they are promised amnesty from legal challenges that may arise from those loans. The American Bankers Association is recommending that lenders exhaustively examine all mortgage portfolios to ensure each loan falls with the qualified mortgage guidelines.
“The QM standards include various safe harbor provisions that are likely to mitigate short-term shocks to the real estate lending markets,” according to the ABA. “In crafting these regulations the bureau recognized the need for a safe harbor to prevent a reduction in credit availability and unwarranted lawsuits that ultimately drive up the cost of loans for consumers.”
In other words, the goal is for fewer risky loans to be given, though many lenders believe that most loans given out today already fall under the same rules.
The ABA indicates there could be apprehension that lenders may not be prepared for the changes by January’s implementation. The ABA is urging Congress and the Consumer Financial Protection Bureau to extend a trial period for lenders. Lenders are also concerned that the new regulations are a “narrowly defined box” that consumers must fit in to in order to qualify for a loan, limiting consumers’ access to mortgage credit.
“We must get this right for the sake of our customers, our banks’ reputations, and to promote the nascent recovery of the housing market,” said James Gardill, a Virginia bank chairman who testified before the House Financial Intuitions Subcommittee. “For some institutions, stopping any mortgage lending is the answer to this unreasonable deadline because the consequences are too great if the implementation is not done correctly.”
Tuesday, June 25, 2013
Hiring Veterans a Win-Win for Companies - SaportaReport
Hiring Veterans a Win-Win for Companies
American businesses have learned that hiring veterans is a positive way to pay back the folks who have sacrificed and served our country in one of the branches of the military. But it’s also an excellent way of hiring highly skilled employees.
Several companies have found that programs to hire veterans have paid off. USAA, a financial services company, trains post-9/11 veterans to become claims adjustors with its “Combat to Claims” initiative.
“The reason the program is working so well is because military folks have such a sense of discipline and order,” said Joe Robles, the CEO of USAA and a retired Army major general.
Southern Company employs a full-time worker that spends at least half their time recruiting veterans and currently 11 percent of its 26,000 employees are veterans or serve in the National Guard or Reserve.
“Veterans and reservists add incredible value to Southern Company,” said Kim Greene, president and CEO of Southern Company Services. “These talented employees demonstrate the level of commitment, discipline and dedication that helps achieve our goal of providing customers clean, safe, reliable and affordable power.”
Southeast Mortgage is pleased to join the ranks of companies dedicated to hiring veterans, with a new program that celebrates their service with the United States military and provides them paths for success. The new program is an extension of our patriotism and appreciation, but also an opportunity to continue building an exceptional team of professionals. That’s what we call a win-win!
The MLO Associate class designed for U.S. veterans is formatted to provide veterans the same training and attention as the other MLO Associate programs. Associates will receive guidance first hand from seasoned mortgage professionals, in addition to taking a number of education courses that provides them the opportunity to learn basic industry knowledge and prepare for the MLO licensing exam and licensing process.
The first Southeast Mortgage MLO Associate Program for Veterans is scheduled to start in August 2013.
As we’ve mentioned in previous posts about our associate programs, Southeast Mortgage is committed to training trustworthy mortgage professionals to join the recovery in the industry. Our extension of our associate program specifically for veterans illustrates our greater commitment to the country’s success as a whole.
Those interested in the program are encouraged to apply by filling out an employment application on the Southeast Mortgage website and emailing a completed copy to hr@southeastmortgage.com.
For more information on the program, feel free to contact hr@southeastmortgage.com.
www.southeastmortgage.com
770-279-0222
Several companies have found that programs to hire veterans have paid off. USAA, a financial services company, trains post-9/11 veterans to become claims adjustors with its “Combat to Claims” initiative.
Kathy Gyselinck is Executive Vice President Southeast Mortgage
Southern Company employs a full-time worker that spends at least half their time recruiting veterans and currently 11 percent of its 26,000 employees are veterans or serve in the National Guard or Reserve.
“Veterans and reservists add incredible value to Southern Company,” said Kim Greene, president and CEO of Southern Company Services. “These talented employees demonstrate the level of commitment, discipline and dedication that helps achieve our goal of providing customers clean, safe, reliable and affordable power.”
Southeast Mortgage is pleased to join the ranks of companies dedicated to hiring veterans, with a new program that celebrates their service with the United States military and provides them paths for success. The new program is an extension of our patriotism and appreciation, but also an opportunity to continue building an exceptional team of professionals. That’s what we call a win-win!
The MLO Associate class designed for U.S. veterans is formatted to provide veterans the same training and attention as the other MLO Associate programs. Associates will receive guidance first hand from seasoned mortgage professionals, in addition to taking a number of education courses that provides them the opportunity to learn basic industry knowledge and prepare for the MLO licensing exam and licensing process.
The first Southeast Mortgage MLO Associate Program for Veterans is scheduled to start in August 2013.
As we’ve mentioned in previous posts about our associate programs, Southeast Mortgage is committed to training trustworthy mortgage professionals to join the recovery in the industry. Our extension of our associate program specifically for veterans illustrates our greater commitment to the country’s success as a whole.
Those interested in the program are encouraged to apply by filling out an employment application on the Southeast Mortgage website and emailing a completed copy to hr@southeastmortgage.com.
For more information on the program, feel free to contact hr@southeastmortgage.com.
www.southeastmortgage.com
770-279-0222
Wednesday, December 19, 2012
Monday, July 2, 2012
Avoid Being a Victim of Mortgage Fraud - Kathy Gyselinck, EVP SEM
Avoid Being a Victim of Mortgage Fraud
Just this week a federal judge sentenced a former Auburn attorney to nearly four years in prison for mortgage fraud. James Boyd Douglas Jr. handled mortgage refinancings and real estate closings and was found guilty of embezzling $2.3 million from clients.
An Atlanta area women and her brother ran a real estate scam in Baldwin County and was sentenced to 18 months in prison and ordered to pay more than $1.6 million to the victims.
Unfortunately, you’ll find fraud in every industry and the mortgage industry is no different. Although it’s only a very small percentage of real estate participants that perpetrate fraud, it’s still critical to protect yourself.
Allegations of fraud are taken very seriously and are investigated by the FBI, which defines mortgage fraud as “a material misstatement, misrepresentation, or omission relied upon by an underwriter or lender to fund, purchase, or insure a loan.”
There are two types of fraud: fraud for property, which involves applicants that embellish their incomes or conceal their debt to qualify for a loan. Although this is fraud because they have signed documents with deceptive information, the intention of these people is usually to repay the loan.
The second type is the kind that the consumer has to be aware of: fraud for profit. This type of fraud generally involves misrepresentations on appraisals, multiple loans and schemes to deceive lenders or borrowers.
Here are some steps from an FBI advisory on how you can avoid becoming a victim of mortgage fraud:
• Get referrals for real estate and mortgage professionals when you want to buy or sell a home. Then check them out thoroughly with state, county or city regulatory agencies. In a previous column we addressed the need to check lenders with the Nationwide Mortgage Licensing System.
• Do your own research into what other homes in the neighborhood have sold for. You can also research recent tax assessments.
• Beware of “no money down loans.” These can be a sign that you are being enticed to buy a home you can’t really afford.
• Don’t let anyone talk you into making a false statement on your loan application. Don’t lie about your income, where the down payment is coming from or the amount of debt you have.
Just remember this statement from the FBI:“Mortgage Fraud is investigated by the Federal Bureau of Investigation and is punishable by up to 30 years in federal prison or $1,000,000 fine, or both. It is illegal for a person to make any false statement regarding income, assets, debt, or matters of identification, or to willfully overvalue any land or property, in a loan and credit application for the purpose of influencing in any way the action of a financial institution.”
• Never sign a blank document or a document containing blank lines. Review all the loan documents. If you don’t understand what you are signing, get an attorney to review and explain them to you.
— Kathy Gyselinck
Remember, just because someone seems like a nice guy or goes to your church, doesn’t mean you should do business with him.
Unfortunately, you’ll find fraud in every industry and the mortgage industry is no different. Although it’s only a very small percentage of real estate participants that perpetrate fraud, it’s still critical to protect yourself.
Allegations of fraud are taken very seriously and are investigated by the FBI, which defines mortgage fraud as “a material misstatement, misrepresentation, or omission relied upon by an underwriter or lender to fund, purchase, or insure a loan.”
There are two types of fraud: fraud for property, which involves applicants that embellish their incomes or conceal their debt to qualify for a loan. Although this is fraud because they have signed documents with deceptive information, the intention of these people is usually to repay the loan.
The second type is the kind that the consumer has to be aware of: fraud for profit. This type of fraud generally involves misrepresentations on appraisals, multiple loans and schemes to deceive lenders or borrowers.
Here are some steps from an FBI advisory on how you can avoid becoming a victim of mortgage fraud:
• Get referrals for real estate and mortgage professionals when you want to buy or sell a home. Then check them out thoroughly with state, county or city regulatory agencies. In a previous column we addressed the need to check lenders with the Nationwide Mortgage Licensing System.• Do your own research into what other homes in the neighborhood have sold for. You can also research recent tax assessments.
• Beware of “no money down loans.” These can be a sign that you are being enticed to buy a home you can’t really afford.
• Don’t let anyone talk you into making a false statement on your loan application. Don’t lie about your income, where the down payment is coming from or the amount of debt you have.
Just remember this statement from the FBI:“Mortgage Fraud is investigated by the Federal Bureau of Investigation and is punishable by up to 30 years in federal prison or $1,000,000 fine, or both. It is illegal for a person to make any false statement regarding income, assets, debt, or matters of identification, or to willfully overvalue any land or property, in a loan and credit application for the purpose of influencing in any way the action of a financial institution.”
• Never sign a blank document or a document containing blank lines. Review all the loan documents. If you don’t understand what you are signing, get an attorney to review and explain them to you.
— Kathy Gyselinck
Remember, just because someone seems like a nice guy or goes to your church, doesn’t mean you should do business with him.
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