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The right choice for your next big move.

We're not just another mortgage company.

For over 20 years, Envoy Mortgage has been helping homebuyers across the country love their mortgage experience. Founded in 1997, Envoy quickly expanded beyond a regional lender. We are now focused 100% on retail, which enables us to make greater investments in our production teams!

Envoy branch managers can expect the highest standard of service and efficiencies throughout the mortgage process and all with one goal in mind – more loans, less hassle. From listening to our sales leaders across the country to leveraging every resource at our disposal, we’ve fostered a work place primed for success as a top lender and employer in the industry. Having received Top Mortgage Employer by National Mortgage Professional and 50 Best Companies to Work for by Mortgage Executive Magazine year after year, look no further.

Our road map for financial success.

We don’t just hire branches, we invest in them. By adopting innovative systems and tools and placing a strong emphasis on closing more loans more efficiently, we have produced a successful business model for branch growth. We believe growth is a natural result of doing business right. Having the support of a large private capital investment firm, our strong financial position is one of our greatest advantages, giving us greater growth and innovation potential for years to come.

1997

First Houston Mortgage founded by David Zugheri and Dana Gompers.

 

2008

Company rebranded as Envoy Mortgage.

2012

Envoy originates over $2 Billion in retail volume.

2016

Envoy originates over $3 Billion in retail volume.

2018

New CEO, President and key executive positions announced to Envoy’s leadership team.

 

Watch your pipeline grow with our collection of branch, sales and marketing resources.

The power of effective marketing cannot be overstated. We strive to deliver our branches the best-in-class systems and tools to help you and your sales team market effectively. Bringing in business is easier with our suite of resources. This includes our customized branch webpages, automated email campaigns, post-close borrower and agent surveys, personalized mobile apps and dozens of additional tools accessible through our advanced marketing systems.

Marketing Resource Center

Loan Originator Marketing Materials

Envoy EDGE is our proprietary, digital and technology marketing resource suite built to offer forward-thinking tools, resources and training to each associate at your branch - preparing your branch for any occasion!

CRM & Co-Marketing Platform

Loan Originator CRM

Our automated mortgage CRM platform provides features such as dynamic open house flyers, listing sites, lead capture apps and more, allowing each originator greater lead, conversion and retention potential.

Web Presence

Loan Originator Websites

Envoy branches can expect increased online visibility through our SEO optimized loan originator and branch web pages, customer reviews platform and automatic pages on Google My Business and Facebook.

Close more loans with our comprehensive mortgage product suite.

As one of the nation’s largest privately held mortgage companies and a Fannie, Freddie and Ginnie approved seller/servicer, Envoy offers a comprehensive menu of mortgage products across 140+ locations nationwide. With 80+ program offerings and over 1000+ options to choose from, each branch has the solutions at hand, bound to fit any borrower’s needs. From Conventional and Government to Renovation and Disaster, or QM to Non-QM, we have the programs at-hand you need to remain competitive. Our goal is to make sure every good borrower that approaches an Envoy branch has a loan suited for them, regardless of their unique situation. Our resume of loan programs allows us to offer more borrowers better options and even greater buying power.

Success stories from some of Envoy’s best.

Envoy ensures a culture that executes the values of operational excellence and continuous innovation. By prioritizing people, process and technology, good company culture is just a byproduct. Envoy branches have greater earning potential because of constant investments made – all designed to make your job easier and help your branch close more loans. Don’t believe us? See for yourself.

Mindy Lakes

Mindy Lakes

2008
Joined Envoy
2010
Became a Top Producer
Lifetime Totals
Volume: $108 Million
Units: 695
Steve Dinielli

Steve Dinielli

2015
Joined Envoy
2015
Became a Top Producer
Lifetime Totals
Volume: $95 Million
Units: 269
Dan Sweeney

Dan Sweeney

2011
Joined Envoy
2012
Became a Top Producer
Lifetime Totals
Volume: $116 Million
Units: 575

Be the first one ready to hit the closing table!

Envoy Mortgage is able to provide the optimal support for our sales teams to be the best in the industry. That was the basis for creating On Time, Every Time. It’s our unified commitment to our branches that extends to our business partners and borrowers. By maintaining speed, accuracy and transparent communication, we are able to exercise every resource possible to meet contingencies and closing dates.

Same Day Pre-Qualification

Same day pre-qualification within 8 hours.

Quick Underwriting Decisions

Underwriting decision within 48 hours of receiving file.

24 hour closing docs

Closing docs within 24 hours upon final approval.

Get started on the right foot with a stellar onboarding.

With an optimized onboarding process, we do the heavy-lifting so that new branches don’t have to! This enables you to focus on what matters while we take care of the rest. Once hired, our onboarding process simplifies your setup of everything from training and technology to equipment and marketing. We also outline turn times to be expected and who to reach out to for any questions. Additionally, our digital training center, Envoy University, is available for your branch to access and complete any and all training assignments and progress. The best part - our New Hire portal in our Envoy EDGE resource center was created with you in mind outline and ease you into all you need to know in your first few weeks at Envoy.

Training

Our branch support team is just one call away.

Our branch support team members are experienced in origination, processing and underwriting to assist our branches with the “day-to-days” of our mortgage business. Branch support liaisons are available via phone or email and usually have an answer for you within minutes. In addition to LOS and file structure questions or automated underwriting and credit inquiries, this team can also aid with questions about compliance, policies, file flow, products and procedures.

Branch support is available during extended business hours.

7am - 8pm cst

We can quickly assist with questions regarding:

Systems & Processes

Systems & Processes

Critical Issues

Critical
Issues

Compliance & Legal

Compliance &
Legal

Policies & Procedures

Policies & Procedures

Direct access to underwriting centers and unique services keep you ahead from application to closing.

Envoy’s localized underwriting centers provide added support by having a dedicated underwriting team for your branch’s local area and time zone. Not only can you contact your underwriter for file related questions, you also have direct access to your underwriting center manager for assistance or questions.

Smart Desk

Smart Desk

Our Smart Desk can assist in locating guidelines, answering product questions and offering solutions for those complex loan scenarios.

What's the Deal

What's the Deal

What’s the Deal desk will help structure loans, calculate and help to determine qualifying income and will even help with product placement.

Decentralized, regional fulfillment centers improve our underwriting turn times.

Regional Underwriting Centers

Track real-time earnings and pipeline growth with Envoy OnTrack.

Envoy OnTrack is the most user-friendly compensation platform in today’s market and provides complete transparency into how compensation is calculated. More than just a compensation platform, the system also provides loan status, scorecards, projections and more. Did we mention reports? Because EOT has over 100 reports to choose from ranging from loan activity to pipelines, production volumes to compensation, rankings and so much more.

Envoy OnTrack

We pay our loan originators quickly and make taxes a breeze.

Our commission calculation system, Envoy OnTrack, calculates compensation in real time and keeps you informed with 24/7 access from any device. Not only is EOT the most user-friendly compensation platform in today’s market, but it also provides complete:

Fast Commission Payouts

Fast Commission Payouts

Commission payouts are twice a month! For example, loans funded the 1st-15th of the month are paid out at the end of the month. This means you get paid more often, eliminating the frustrations of commission-based pay.

Quick Reimbursements

Quick Reimbursements

Expense reports shouldn’t be time consuming. Not only is there an app for that, Envoy ensures the reimbursement process is quick and painless.

Automatic Tax Form Generation

Tax Form Generation

Our employee self service portal allows branch managers to update tax withholding and supports W-2 direct import into various tax filing software, such as TurboTax.

Get valuable market insight at our annual branch manager conference.

Every year our branch managers all across the nation meet in Houston to collaborate while hearing from our leadership teams on what’s to come in the year ahead! Branch managers look forward to valuable insights on tools, systems, processes and market trends while spending quality time mingling with other branch leaders.

Branch Manager Summit

Annual awards trip for top branch managers throughout the nation.

The Circle of Excellence or “COE” is our annual awards trip that recognizes and rewards top Envoy branches and producers throughout the country. The all-expense paid trip is held annually at an exclusive resort in a luxurious location each year. The prestigious event invites winners and their plus-one to enjoy a trip filled with activities, guest speakers and fine dining sponsored by Envoy Mortgage.

Circle of Excellence

We take care of our branch managers.

Taking care of our people is one of the things we do best – in and outside of the branch. With competitive medical, dental and vision coverage, HSA and FSA options, life insurance and short term/long term disability packages, your branch’s wellbeing is one less thing to worry about. Envoy also offers thousands of savings to our branches through partnerships that ensure your success in not just your professional lives, but personal lives also. As a financial lender, financial well-being and success for our associates is also a top priority. This is also the reason for our competitive 401k package.

Mortgage Discounts for Envoy Employees

Employee Discounts on Home Mortgages

We truly believe in fulfilling the dreams of homeownership – starting with our loan originators and their families. For any home loan an Envoy employee obtains with Envoy Mortgage, a 50 basis point discount is credited towards the rate (usually equaling around .125% off the market rate) along with the waiver of all lender associated fees, including processing, underwriting and attorney doc prep costs.

*Benefits apply to most normal loan programs, excluding DPA’s and other niche products.

We provide our loan originators with access to:

Medical Insurance

Medical, Dental, & Vision

After 60 days of employment, full-time employees are eligible for a full range of benefits, including medical, dental, vision and pet insurance.

HSA/FSA Options

HSA/FSA Options

Envoy’s medical competitive coverage options include 2 PPO medical plans to choose from and an HSA medical plan. We also offer an FSA and HSA account.

Dependent Care FSA

Dependent Care FSA

A pre-tax benefit available that helps you to pay for care and supervision for qualified dependents, including children or any tax dependents.

Teledoc

Teledoc

Envoy offers Teladoc, a virtual medical appointment service that connects you with a board-certified doctor 24/7/365 through the convenience of your smartphone.

401k Matching

401k Matching

Envoy's 401k plan is available to full-time employees after 90 days of employment. Envoy matches up to 3.5% and employees are 100% vested after only 2 years of service!

Disability Insurance

Disability Insurance

Optional short Term disability programs provide partial income replacement for full-time associates. Our long term disability plan is provided through Sun Life Financial at no additional cost.

Life Insurance Policy

Life Insurance

Also at no additional cost, we provide Basic Term Life Insurance through Sun Life Financial to all full-time associates, providing a benefit of $15,000. Voluntary Life Insurance is also available.

Shopping Discounts

Shopping Discounts

Envoy’s Perks Program is a savings marketplace created with our associates in mind! The program offers savings and benefits on car rentals, shopping, cell phone plans, sporting events and more!

We're serious about our paid time off.

We thrive in an atmosphere of hard work and dedication but at no expense to a healthy work-life balance. We want our associates to be successful in and out of the office which is why we tailor working styles while encouraging time off to “unplug” via our competitive PTO package.

17

Days of paid time off for new full-time employees! Increasing to 22 after five years with the company.

+

9

Paid holidays throughout the year.

=

26

Total days for our full-time employees to pursue their own passions and spend time with family. That's over five work weeks of PTO!

We have fun year-round.

Kristin

Kristin

Stella

Stella

Lori

Lori

Lynn

Lynn

Jaclyn

Jaclyn

Haley

Haley

Latonya

Latonya

Kari

Kari

Farzain

Farzain

Adriana

Adriana

Brian

Brian

Joey

Joey

Ready to see why Envoy is rated a Top Mortgage Employer?

With 20+ years of commitment to putting people first, it’s clear why Envoy Mortgage is rated one of Mortgage Executive Magazine’s 50 best companies to work for. Happy associates equals happy customers. This is clear from our 98% customer satisfaction nationwide. Our dedication to our branches and investment in valuable tools built for their success has resulted in a team of talented, well-supported and thriving professionals nationwide helping make us a top mortgage lender, many years running.

Tour Envoy is our quick, no-strings-attached webinar providing a preview into what sets us apart. Take our Tour to gain valuable insights on our marketing automation processes, portfolio of technology, training tools, support platforms and much more!