Remote Mortgage Loan Officer United Nations Federal Credit UnionRemote Mortgage Loan OfficerMultiple LocationsRemoteIn this remote, self-sourcing role, you’ll originate residential mortgage loans, guide members through the financing process, and grow your pipeline through strong networking and member engagement. If you’re a consultative salesperson who enjoys helping people achieve major financial milestones, this is an opportunity to make a real impact while growing your career.
NewMortgage Advisor Weichert, RealtorsMortgage AdvisorGermantown, MDEstablished in 1980 to offer real estate-related financial assistance to the customers of Weichert, Realtors, Weichert Financial Services has a unique opportunity for a Mortgage Advisor to as they help our clients achieve the American Dream of Homeownership. Working with our Realtor partners, our mortgage advisor prequalifies prospects, issues pre-approvals, stays in contact with customers during the home search process, and works closely with customers until they close their transaction.
Team Loan Originator NE-Owings, MD Hilltop Holdings IncTeam Loan Originator NE-Owings, MDMDUnder the direction of the Lead/Primary Loan Originator, performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers and markets and promotes PrimeLending products and services to the team's client base of realtors, builders, bank officers and potential and past clients. Whether on the frontline working directly with customers in our branches or behind the scenes supporting our loan officers, our team members each play a vital role in delivering an outstanding customer experience.
Mortgage Loan Originator Jet Direct MortgageMortgage Loan OriginatorMDWe believe in empowering our originators, which is why weve implemented cutting-edge tools, including: World-Class Origination Software & CRM Intuitive Mobile Mortgage Application Technology Advanced Marketing Automation Platform Comprehensive Data Reporting & Analytic Software. Your Role and What Youll Bring to Our Team We are looking for experienced, ethical, and passionate professionals ready to join us as Mortgage Loan Officers/Originators (MLOs).
Loan Originator NE - Baltimore, MD Hilltop Holdings IncLoan Originator NE - Baltimore, MDBaltimore, MDWhether on the frontline working directly with customers in our branches or behind the scenes supporting our loan officers, our team members each play a vital role in delivering an outstanding customer experience. Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients.
Loan Originator Direct Mortgage LoansLoan OriginatorElkridge, MarylandIn this role, you’ll be the front line of our mortgage business—connecting with clients, building referral networks, and providing top-tier mortgage solutions for homebuyers and refinancers. You’ll work with a collaborative and high-performing team that supports your growth, respects your craft, and helps you stay focused on what you do best: originating loans.
Mortgage Loan Originator Capital Bancorp IncMortgage Loan OriginatorDCRemoteWe offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. We are currently hiring experienced Mortgage Loan Originators (MLO) or Teams who proactively identify, develop and maintain a quality network of external relationships and COI''s that serve as a source of referrals for new mortgage lending opportunities.
Mortgage Loan Originator. Fifth Third BancorpMortgage Loan Originator.VAIncentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience.
Inside Loan Originator CrossCountry MortgageInside Loan OriginatorCrofton, MarylandCrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. The Inside Loan Originator is responsible for converting inbound premium leads into loans by promoting CrossCountry Mortgage’s competitive mortgage products, services, and programs.
Retail Mortgage Loan Originator Truist BankRetail Mortgage Loan OriginatorRockville, MarylandUp to 75% General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Responsible for the sales and marketing of Truist Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services, and insurance products.
Mortgage Loan Originator U.S. BankMortgage Loan OriginatorDistrict of ColumbiaIn addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. - Working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors, as gained through on the job training or some real estate brokerage experience.
Retail Mortgage Loan Originator Truist Financial CorpRetail Mortgage Loan OriginatorAlexandria, VAGeneral Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Please review the following job description: Responsible for the sales and marketing of Truist Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services, and insurance products.
Mortgage Loan Originator U.S. BancorpMortgage Loan OriginatorWashington, DCIn addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors, as gained through on the job training or some real estate brokerage experience.
Reverse Mortgage Originator Development Program Mutual of Omaha MortgageReverse Mortgage Originator Development ProgramBaltimore/DC, MDFull timeState/local minimum wage base hourly non-recoverable draw plus commission for the first 12 months while we help you grow your business. You can expect the following: Our leading-edge compensation package sees our Loan Officers on average, earning $150,000 annually with the potential for more.
Mortgage Loan Partner II Waterstone Mortgage CareersMortgage Loan Partner IIAshburn, VirginiaVerify accuracy and consistency of information in file to ensure “closing” documents are prepared according to investor/product guidelines and work closely with the Loan Processor to assure the file is ready for closing. E DUCATION and/or EXPERIENCE: A high school diploma or general education degree (GED) is required as well as five years of conventional fixed and ARM, HELOC and construction mortgage loan processing experience.
Mortgage Loan Officer- US East Coast The Toronto-Dominion BankMortgage Loan Officer- US East CoastMD$11.54–$17.95 / hourOCC Language: This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
Mortgage Loan Officer Vienna VA/ Metro DC The Toronto-Dominion BankMortgage Loan Officer Vienna VA/ Metro DCVienna, VAOCC Language: This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
Mortgage Originator Manufacturers and Traders TrustMortgage OriginatorManassas, VirginiaPrimarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
Mortgage Originator - Laurel, MD Manufacturers and Traders TrustMortgage Originator - Laurel, MDLaurel, MarylandPrimarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
CRA Mortgage Originator Manufacturers and Traders TrustCRA Mortgage OriginatorOxon Hill, MarylandInterviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs.
Loan Officer CityScape Metro GroupLoan OfficerReston, VA$150,000–$200,000 / yearUnderstand a variety of loans such as: FHA, VA, USDA, conventional, fixed/ adjustable, bridge, non-conforming, FNMA and FHLMC, and Home Equity Lines of Credit. Establish and maintain relationships with realtors, bank officers, builders, and the community at large in order to retain existing and attract new business.
Mortgage Loan Processor III Waterstone Mortgage CareersMortgage Loan Processor IIIAshburn, VirginiaLoan origination is defined as (1) taking a residential mortgage loan application; or (2) offering or negotiating terms of a residential mortgage loan for compensation or gain; (3) advertising or communicating to the public that you can perform loan origination services. EDUCATION and/or EXPERIENCE: A high school diploma or general education degree(GED) and five plus years of convention fixed and ARM, HELOC and construction mortgage loan processing is required.
Mortgage Loan Officer Hanscom Federal Credit UnionMortgage Loan OfficerMc Lean, VirginiaDevelop, maintain and solicit residential first mortgage and HELOC loan business through effective relationships with real estate agents, community organizations (such as local Chamber of Commerce and Board of Realtors) and other referral sources (such as financial planners, attorneys, builders) to promote awareness of HFCU’s products and services. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
Mortgage Originator - Laurel, MD M&T Bank CorpMortgage Originator - Laurel, MDLaurel, MDOverview: Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
Mortgage Originator M&T Bank CorpMortgage OriginatorFalls Church, VAOverview: Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
CRA Mortgage Originator M&T Bank CorpCRA Mortgage OriginatorOxon Hill, MD$30.16–$50.26 / hourInterviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience.
Mortgage Loan Processor Capital Bancorp IncMortgage Loan ProcessorRockville, MDRemote$25.51–$35.71 / hourWe offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
NewReverse Mortgage Originator Development Program (Remote) Mutual of Omaha MortgageReverse Mortgage Originator Development Program (Remote)Washington, DCRemoteMutual of Omaha Mortgage offers an exciting opportunity to start your career in the reverse mortgage industry through a comprehensive 12-month development program. As part of our winning team, you will receive exceptional tools, training, and support to thrive in this rewarding field.
Mortgage Loan Processor Capital BankMortgage Loan ProcessorRockville, MarylandWe offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Mortgage Loan Officer First FedMortgage Loan OfficerWashingtonUnder general direction, the Mortgage Loan Officer conducts effective mortgage loan generation efforts for the Mortgage Lending Center market area by responding to customer inquiries and pursuing referrals that are generated from both their own contacts and from other bank business channels. Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information.
BDO / Senior Loan Officer - DC Live Oak Bancshares IncBDO / Senior Loan Officer - DCDC$128,500–$436,900 / yearIn accordance with established lending policies and procedures, examines, evaluates, and recommends approval of commercial customer applications for extensions of credit, predominately through SBA loan programs. Keeps abreast of economic conditions, changes and trends in customers' businesses, the banking industry and the specific market niches targeted by the Bank.
NewLoan Specialist U.S. Department of Veterans AffairsLoan SpecialistWashington, DC$43,106–$82,938 / yearCustomer Service - Works with clients and customers (that is, any individuals who use or receive the services or products that your work unit produces, including the general public, individuals who work in the agency, other agencies, or organizations outside the Government) to assess their needs, provide information or assistance, resolve their problems, or satisfy their expectations; knows about available products and services; is committed to providing quality products and services. This vacancy is open to current permanent employees of the Department of Veterans Affair (VA), Veterans Employment Opportunities Act (VEOA), Military Spouses eligible, 30% or More Disabled Veterans (30% DV), Veterans Recruitment Authority, People with Disabilities, Schedule A (Disabled/Sch A), Peace Corp eligible, current/permanent VA employees who are CTAP eligible, ICTAP eligible current/former federal employees, and Land Management eligible.
NewLoan Assistant U.S. Department of Veterans AffairsLoan AssistantWashington, DC$50,460–$75,653 / yearIf you have been awarded a bachelors degree in finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics, or another field related to the position, such as agriculture, agricultural economics, farm, livestock or ranch management, or rural sociology, from an accredited college or university AND that degree demonstrates one of the following Superior Academic Achievement provisions, you may qualify in full for this position without any experience: a. Applicants may substitute graduate education: You must have at least one full academic year of graduate level course work from an accredited college or university with major study in finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics, or another field related to the position, such as agriculture, agricultural economics, farm, livestock or ranch management, or rural sociology.
Mortgage Loan Officer LBC MortgageMortgage Loan OfficerWashington, DCTeam of professional in-house processors-they will help you structure deals ; loan officer assistant; In-house marketing team : Editor, copywriter, social media, targeting, SEO, PPC; In-house Video Recording Studio - record reels, videos, podcasts to promote yourself; Custom CRM & Custom App for Agents; Present and communicate company loan products and services; Assist clients in completing loan applications and all necessary paperwork; Conduct thorough reviews of client financial information to ensure loan eligibility; Follow up, Follow up, Follow up.
MIM - MetLife CRE Loan Asset Management MetLife IncMIM - MetLife CRE Loan Asset ManagementWashington, DC$130,000–$150,000 / yearRecognizednon Fortune magazine''s list of the "World''s Most Admired Companies",nFortune World's 25 Best Workplaces, as well as the Fortune 100 Best Companiesnto Work For, MetLife, through its subsidiaries and affiliates, is one of thenworld's leading financial services companies; providing insurance, annuities,nemployee benefits and asset management to individual and institutionalncustomers. The Associate will be responsible for loan asset management, servicing including enforcing the Loan Agreements, surveillance, and valuations of the properties for existing loans for the preparation of Collateral Valuation Template for mortgage ratings for a portfolio of commercial real estate loans managed by MetLife Investment Management's Los Angeles Regional Office.
Loan Officer Assistant CrossCountry Mortgage LLCLoan Officer AssistantNorth Bethesda, MDThe Sales Assistant works directly with CCM customers, loan officers, and processors to ensure a positive customer experience and facilitate timely loan closings. Position Overview: The Sales Assistant provides support to CrossCountry Mortgage, LLC's ("CCM") mortgage loan officers in their daily duties to increase loan production levels.
Loan Officer Caliver Beach MortgageLoan OfficerSilver Spring, MarylandInterested candidates should submit their resume detailing their qualifications and relevant experience to davidc@caliverbeach.com. · Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
Mortgage Loan Production Specialist CMG FinancialMortgage Loan Production SpecialistFairfax, VirginiaUnder the supervision of the Loan Officer and Pipeline Manager, the employee will assist in gathering and analyzing borrower information, reviewing documentation, preparing accurate and qualified files for submission to the Pipeline Manager, maintaining communication throughout the transaction, and supporting the successful closing of residential mortgage loans. The Mortgage Loan Production Specialist is a hybrid support and origination role responsible for assisting the Loan Officer in the origination, prequalification, setup, processing preparation, and ongoing support for the Pipeline Manager with any income or file restructuring needed throughout the loan process through closing.
Washington DC Regional Loan Officer Caliver Beach MortgageWashington DC Regional Loan OfficerWashingtonProven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc. · Analytical mindset with the ability to assess complex financial information.
Arlington Regional Loan Officer Caliver Beach MortgageArlington Regional Loan OfficerArlington, VirginiaProven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc. · Analytical mindset with the ability to assess complex financial information.
Mortgage Loan Officer NVR IncMortgage Loan OfficerFairfax, VAPositively impact the customer experience, while maintaining weekly contact with all borrowers, brokers, NVR Mortgage staff, and NVR Homebuilding partners to answer questions regarding specific loans, share loan status, and build relationships. As the parent company of Ryan Homes, NVHomes and Heartland Homes, NVR is a Top 5 US homebuilder and Fortune 500 company that has been helping families build their happily ever after since 1948.
Mortgage Loan Officer The PNC Financial Services Group IncMortgage Loan OfficerBaltimore, MDPNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Senior Mortgage Loan Officer-HLC SIT The PNC Financial Services Group IncSenior Mortgage Loan Officer-HLC SITMD$37,440–$44,990 / yearPNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Senior Mortgage Loan Officer-Home Lending Center relocation The PNC Financial Services Group IncSenior Mortgage Loan Officer-Home Lending Center relocationDC$37,440–$44,990 / yearPNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Commercial Real Estate Loan Officer MRINetwork JobsCommercial Real Estate Loan OfficerWashington, District of ColumbiaWill provide service to prospective commercial loan customers and interview applicants to develop information concerning their needs, credit, stability, earnings, and potential income to the property to assist in determining whether the commercial loan package will be an acceptable risk. RESPONSIBILITIES : Will solicit and coordinate the closing of commercial loans; responsible for commercial loan business development and to act as the bank’s contact with commercial loan clients, brokers, and contractors.
Financial Solutions Guide 2 (Teller/Loan Officer) Peak Credit UnionFinancial Solutions Guide 2 (Teller/Loan Officer)WashingtonDevelops and deepens member relationships by confidently uncovering needs, presenting tailored solutions, and originating or referring products across the full suite of Peak offerings, including consumer loans, specialty accounts, protection products, and advanced digital tools. Provides advanced financial guidance and empathetic problem-solving, ensuring each interaction results in improved financial confidence and expanded relationship opportunities, not only resolving concerns but actively identifying ways to add value and grow the member relationship.
Mortgage Loan Officer | National Lender- VA LeadlingMortgage Loan Officer | National Lender- VAWashington, DCRemote$75,000–$200,000Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. Most Loan Officers never see the true value of the loans they close.
Entry Level | Mortgage Loan Officer | National Lender - SC LeadlingEntry Level | Mortgage Loan Officer | National Lender - SCColumbia, MDRemote$75,000–$200,000Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. Most Loan Officers never see the true value of the loans they close.
Mortgage Loan Officer | National Lender - MD LeadlingMortgage Loan Officer | National Lender - MDCollege Park, MDRemote$75,000–$200,000Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. Most Loan Officers never see the true value of the loans they close.
Consumer Loan Officer - Alexandria United States Senate Federal Credit UnionConsumer Loan Officer - AlexandriaAlexandria, VA$54,481.13–$81,721.69 / yearInsures Credit Union’s compliance with Federal Lending Regulations including but not limited to the Equal Credit Opportunity Act, Fair Credit Reporting Act, Truth in Lending, Military Lending Act, Telephone Consumer Protection Act, Graham-Leach-Bliley Act, and Consumer Financial Protection Bureau rules. Responsible for obtaining and verifying pertinent documentation based on consumer loan type and conditions, including but not limited to identification documents, income verification documents, vehicle purchase order / intent to sell, proof of insurance and payoffs from other financial institutions or creditors.