Grid Financial Services is a mortgage process outsource firm located in Raleigh, NC. We currently provide services to clients ranging from top ten banks to community banks and mortgage lenders.

2. Grid Financial Services 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 Financial Services 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
"Grid Financial Services 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
"By outsourcing our processing and "I was concerned that we would lose "Grid has the ability to underwrite to
closing functions to Grid, we have control of our pipeline by outsourcing the standard of quality we expect
been able to focus on our core our underwriting, but I found the from our own employees which
competencies of origination and opposite to be true. We are able to included a significant number of
sales. The cost-effectiveness and better manage our pipeline by using overlays. GRID Financial was able to
scalability of your services allows us Grid’s underwriting fulfillment ramp up quickly when our business
to increase our production at a rate services. Our Grid underwriter required it and helped us capture
that would have been impossible quickly became part of our team; she significant market opportunities
with the traditional internal is a good common-sense underwriter while maintaining quality standards."
employee structure. Grid has that provides fast turn-times with -National Underwriting Manager,
delivered as promised, allowing us to thorough and accurately Top Ten National Bank
achieve record production." underwritten loans."
-EVP, Tennessee community Bank -SVP, #1 North Carolina
Community 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
• Domestic partnership-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 and improves quality
• Enhances responsiveness
• Meets as well as exceeds service level commitments
• Solves cyclical market fluctuation issues

6. ORIGINATION FULFILLMENT
Highly qualified mortgage professionals provide:
• 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 Financial Services, you…
• Avoid the expense and reputational damage
associated with fluctuations in headcount
• Avoid full-time staff expenses and training
• Benefit from a modest and predictable cost to
originate
• Are able to access any piece or an entire custom
solution to meet your needs
• Enable additional productivity to front end sales
functions while maintaining your turn times

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

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

10. CONTACT
Grid Financial Services, Inc.
P.O. Box 80067
Raleigh, NC 27623
http://gridfinancialservices.com
Paul Hindman
VP of Business Development
919-803-1665
phindman@gridfinancialservices.com
Ruth Cowan
VP of Operations
919-744-2117
rcowan@gridfinancialservices.com
Julee Ashburn
AVP of Operations
919-744-2102
jashburn@gridfinancialservices.com