forward commitment FBC Mortgage

Let Your Business Soar With

A Joint Venture Partnership

Did you miss us at the International Builder Show in Las Vegas? Contact us now to find out how we can increase your sales and build a profitable joint venture for you.
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forward commitment FBC Mortgage

Let Your Business Soar

With a Joint Venture Partnership

Let's Connect at IBS

Unlock Your Full Potential

When you choose FBC Mortgage as your joint venture partner, we’ll work together to grow your business and expand your potential. You’ll be provided with:

  • Seasoned in-house lending team who will adjust to your specific needs
  • New vertical to increase revenue stream
  • Simplified servicing for your clients, strengthening your brand positioning and market saturation
  • Increased control over backlogs
  • Experienced leadership team with proven proficiency in building successful ventures quickly and expertly
  • Exceptional capital resources and financial stability
joint venture fbc mortgage llc

Sell More Homes With Our Builder Forward Commitment Program

Increase your new home sales through the utilization of forward commitments. Lock in rates for an extended period, eliminating market risk and establishing stability and certainty in an ever-changing market. Learn more about how you can offer your customers peace of mind regarding home affordability without reducing sales prices.

  • 30-year fixed rates as low as 4.5% (5.295% APR)*
  • Rates advertised as low as 2.99% (5.223% APR)** when combined with a 2/1 buydown
  • 4.3% average monthly increase in applications/sales in last 3 months
  • Over $1.5 Billion total forward commitment volume closed since 2022
  • Highest single month increase in application/sales volume was 129%

We get the job done

Our expertise in mortgage joint ventures will set you up for success. We provide you with seasoned leadership, industry-leading technology, extensive loan product options and exceptional client service – in short, everything you need to run a profitable mortgage venture.

About FBC Mortgage

  • FBC Mortgage is a leading national independent mortgage banker with over 18 years of experience and a passion for customer service.
  • We originated $7.5B in 2023 across all business channels, which makes us a Top 50 nationally-ranked lender.
  • A large percentage of our total mortgage origination is from builder referrals through one of our many partnerships.
  • With a presence nationwide, we collaborate with over 140 home builders. These builder partners have confidence in our products, operational methods, and systems, recognizing them as the factors that set us apart in delivering exceptional service to their clients.
2005

Year of Foundation

49

Licensed States

750+

Employees

$25B+

Loans Funded

Tools of the Trade

At FBC Mortgage we strive to support our joint venture partners in every aspect of the mortgage process. Our team will provide you with the means to implement and operate a profitable mortgage venture, leading to a more simplified home buying experience for your clients.

  • State of the art, digital mortgage app that gives you and your customers visibility to loan activity 24/7! Receive push notifications and complete tasks from anywhere in the world.
  • AI powered underwriting process that can review and approve borrower documents based on seller guidelines on day 1 or 15 of the loan life cycle.
  • Full e-close process for borrowers with availability to preview and sign documents days before close, from the comfort of their home. (Remote notary depends on local jurisdiction requirements.)
  • Leverage local, regional, or national data to manage your business. From market analysis, bulk interest rate shock reporting, to robust KPI reporting, we offer our partners best in class business intelligence. 

FBC Mortgage has been the recipient of several prestigious awards since our inception, including:

  • Top 50 Mortgage Companies in America in 2022
  • Top Company for Working Families
  • Best in Loan Delivery
  • Outstanding Small Business
  • 4.8 out of 5 star rating on Rate Your Lender, with over 13,000 reviews from our past customers
  • Orlando Business Journal’s Best Places to Work
  • Our staff provide the expertise needed to minimize risk, while providing your customers with simple and streamlined loan solutions.
  • Legal team who is well versed on the unique risks associated with running a mortgage joint venture who is able to advise you on any compliance concerns that may arise as we operate.
  • Licensing team to help with any license transfers and renewals.
  • Our loan originators have access to an excellent variety of loan products including conforming, conventional, non-conforming, non-QM, Jumbo, and government-insured products.
  • We also offer more niche products to sharpen your competitive edge and fit your clients’ specific needs.
  • Our product desk is constantly evaluating the market and ensuring we have the latest offerings available to meet each of our clients’ needs.
  • Product offerings could include Jumbo Financing, HomeStyle & 203K Loans, FNMA HomeReady, FHLMC HomePossible, Down Payment Assistance, Extended Lock Programs, Foreign National Loans, Asset Depletion Programs, and Pool Escrow Programs.
  • Finance and Accounting
  • Compliance and Audit
  • HR/Compensation
  • Marketing
  • Capital Markets
  • Investor Management
  • Training and Continuing Education
  • Vendor Services
  • Data Analytics and Reporting
  • Post-Closing

Our Results Speak for Themselves

They have proven to be outstanding joint venture partners to work with, and consistently have high customer satisfaction on our surveys and strong communication with our team and buyers.
VISHAAL GUPTACo-CEO, Park Square Homes
VISHAAL GUPTA
Our relationship comes down to two words: Trust and Commitment. We can trust their process and team to deliver a satisfied customer and a successful closing.
SCOTT HOWARDPresident, Maronda Homes
SCOTT HOWARD
As Dream Finders continues to grow in new markets, our mortgage JV helps with increased capture and profitability by simplifying and streamlining our operations.
DOUG MORANCOO, Dream Finders Homes
DOUG MORAN
SG-Top Morgage Lenders-Logo-2024 BW
Best Places to Work - logo BW
top 50 bw sq
twp_multi_orlando_2024_gray@2x-01
HDA_Winners_Badge_CMYK
2022 Honoree Email_Web Badge web
Top Workplaces USA 2023
NMN-Best Mortgage Companies to Work For-Logo-2024 BW

*Scenario is an estimate only and is based on a 640 FICO score on a 30 year (360 months) FHA fixed-rate mortgage at a sales price of $350,000 loan amount of $343,660, 96.5% LTV, rate of 4.50%, and APR of 5.259%, which would result in a principal and interest payment of $1,741. 4.50% rate is based on a builder paid forward commitment to buydown the market rate. 

**Scenario is an estimate and is based on primary residences only, 740 FICO score and a 2/1 buydown on a $400,000 purchase price with a Conventional 30-year agreement (360 months) fixed rate loan amount of $380,000 at 95% LTV. Year 1 (0-12 months) rate at 2.99%, APR of 5.223%, and monthly payment of $1,682; year 2 (13-24 months) rate of 3.99%, APR of 5.223%, and monthly payment of $1,894; and a year 3-30 (25-360 months) rate of 4.99%, APR of 5.223%, and monthly payment of $2,120. 4.99% rate is based on a builder paid forward commitment to buydown the market rate. Monthly payments are estimates and include principal, interest & PMI; actual payment obligation may be greater.

Contact Us

Fill out the form below and someone on our team will get in touch to schedule a meet up at the International Builder Show in Las Vegas between February 27-29, 2024.

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Peter Conrad

Director of Capital Markets

Peter Conrad brings over a decade of experience in the mortgage industry, with a strong focus in Secondary Markets. He began his career in 2010 at Gershman Mortgage in St. Louis after earning his Bachelor of Accountancy from the University of Mississippi. In 2015, Peter relocated to Orlando, Florida, where he joined FBC Mortgage and has since become a key leader within the organization.

With 12 years of specialized experience in Secondary Markets, Peter currently serves as Director of Capital Markets at FBC Mortgage. In this role, he oversees all aspects of the Secondary function—including loan sales to investors, securing funding, and managing risk exposure. His leadership ensures the company maintains strong investor relationships and efficient capital execution.

Outside of work, Peter enjoys golfing and cherishes time spent with his two-year-old daughter.

Josh Schwarz

Chief Strategy Officer

With over a decade of experience in the mortgage and technology industries, Josh brings a dynamic blend of business acumen and technical expertise to his role. He is responsible for driving the company’s long-term strategic initiatives, with a focus on innovation, process improvement, and the future of mortgage technology.

Josh began his career in sales before transitioning into the IT department at FBC Mortgage, where he started on the Help Desk. His hands-on experience across departments has given him a unique, enterprise-wide perspective and the ability to bridge the gap between operational needs and cutting-edge solutions. His expertise spans Robotic Process Automation (RPA), artificial intelligence, and enterprise-level project management.

A graduate of the University of Tampa with a Bachelor’s degree in Finance, Josh is known for his creative problem-solving approach and ability to think outside the box. He is passionate about leveraging technology to streamline workflows, increase efficiency, and position FBC Mortgage at the forefront of industry innovation.

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Michael D. Williams

Joint Venture Liaison

Michael D. Williams is a tremendous new addition to our executive team, serving as our Joint Venture Liaison. For over three decades, Michael has built a proven track record in the retail mortgage industry. His journey as the President and Managing Director of Trailblazer Mortgage, an FBC Mortgage builder joint venture, reflects his commitment to implementing operational controls, strengthening business partner relationships, and ensuring overall divisional success. With a keen eye for aligning operating structures and a knack for recruiting and retaining top-notch staff, Michael brings a unique blend of strategic leadership and industry acumen to the table.

Prior to his current role, Michael served as the Branch Manager and Mortgage Loan Originator at FBC Mortgage in Atlanta, GA. Here, he was instrumental in the Metro Atlanta day to day operations, excelling in recruitment, business development, and fostering strong community relationships. Throughout his career journey, Michael has consistently displayed a passion for expanding market share, driving profitability, and ensuring exceptional customer satisfaction.

In addition to his professional endeavors, Michael proudly served in the United States Air Force from 1982 to 1992. Showcasing his dedication to service, he received numerous accolades throughout his tenure, culminating with the Air Force Commendation Medal and the Air Force Achievement Medal, both for meritorious service and going above and beyond the call of duty. His community engagement goes beyond the boardroom. Michael served as Chairman of the Board for the DeKalb County Chamber of Commerce. He was subsequently appointed to the DeKalb County Economic Development Authority by the Dekalb County Office of the CEO.

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Joe Nunziata

Co-CEO

jnunziata@fbchomeloans.com

Todd Boss

Chief Sales Officer

tboss@fbchomeloans.com

Dyron Watford

Chief Financial Officer

dwatford@fbchomeloans.com

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Missy Cefalo

Chief Operating Officer

Missy Cefalo serves as the Chief Operating Officer of FBC Mortgage, LLC. In her current role, she is responsible for overseeing end-to-end loan operations, process optimization, developing credit policies and managing risk. Missy has been in the mortgage industry for over 30 years working in both wholesale and retail with a varied background in sales and operations. With her experience and knowledge, she aims to extend FBC Mortgage’s rank as a top 10 national lender.

Missy is a Florida native born in Winter Park, Florida and currently lives in Longwood, Florida with her husband and daughter. In her free time, she enjoys reading and spending time outdoors hiking or at the beach.

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Travis Rulle

Chief Operating Officer

Travis is the Chief Operating Officer of FBC Mortgage, LCC and is responsible for streamlining and managing the loan origination process. Travis has over 23 years of industry experience and is a forward-thinking operational designer that connects dots between the loan operating systems and state of the art technology such as Robotic Process Automation, Machine Learning, Application Programming Interface, and Optical Character Recognition.  Prior to joining Team FBC in March 2021, Travis designed, built, and lead large origination operations and departments at both RoundPoint Mortgage Servicing and Freedom Mortgage Company. Travis resides in Charlotte, North Carolina and earned his B.S. in Business Administration and Finance from Liberty University Lynchburg, VA.

Todd Boss

Chief Sales Officer

Todd is the Chief Sales Officer at FBC Mortgage, LLC. Todd was born in Atlanta, Georgia but grew up in Central Florida. He attended Lake Brantley High School and subsequently graduated from the University Of Florida with a degree in business administration. Todd has been in the mortgage industry for over 20 years, starting as a Mortgage Loan Officer and rising to executive management levels. He joined the FBC Mortgage executive team in 2009.

Todd is responsible for the growth and strategic development of the company’s sales force. Using his leadership skills, industry experience and knowledge, Todd aims to extend FBC Mortgage’s rank as a top 10 national lender. Todd is married with three sons; Blake, Jett and Stone. His children being his pride and joy, he spends most of his free time coaching or watching them play sports.

Stephanie Simmons

Chief Marketing Officer

Stephanie Simmons serves as the Chief Marketing Officer for FBC Mortgage, LLC. She manages all marketing, advertising, social media and public relations initiatives insuring both consistent branding and compliance in the market areas we serve. Stephanie also develops and manages all company events and culture programs including sales training conferences and retreats, corporate events, business partner events and incentive trips. Prior to joining FBC Mortgage Stephanie worked in marketing and event/project management with several professional sports entities including the Arena Football League’s Tampa Bay Storm, the NHL’s Tampa Bay Lightning, and International Speedway Corporation (NASCAR). She graduated from the University of Florida with a Bachelor of Science in Sports Marketing.

Stephanie lives in Orlando, Florida with her husband and two children where she spends most of her free time at the basketball gym, baseball fields, tennis courts and traveling with her family.

sal-nunziata

Salvatore Nunziata

Vice Chairman

Salvatore Nunziata is currently the Vice Chairman of FBC Mortgage, LLC. Prior to FBC Mortgage, LLC, through 2005, Mr. Nunziata was SVP and District Manager of First Horizon Home Loans; a New York Stock Exchange listed company. Preceding his time at First Horizon, Salvatore was co-founder, major stockholder and president of American Heritage Mortgage Corp. from 1983 to 2003.

American Heritage was purchased by First Horizon Home Loan Corp. in 2003. Prior to AHMC, Salvatore had various positions leading to the role of President of Reliance Mortgage Corp. in Denver, Colorado from 1970 to 1983. Mr. Nunziata previously served on the Board of Directors of Southern Community Banc Corp. Currently, he serves on the Board of Directors of Floridian Bank. Mr. Nunziata attended the US Naval Academy in Annapolis, Maryland

Michael Dunn

General COunsel

Michael Dunn currently serves as the company’s General Counsel. Michael received his Bachelor of Science degree from the University of Central Florida, his Juris Doctor degree from the Florida A&M University College of Law, and his Master of Business Administration degree from the Crummer Business School at Rollins College. He is a member of the Florida Bar’s Real Property, Probate, and Trust Law Section- Real Property, Finance and Lending Committee, and Young Lawyer’s Division. He is an active member of the United States Middle and Northern District Courts in Florida. He is a participating affiliate member of the American Association of Residential Mortgage Regulators, the Central Florida Compliance Association, the National Mortgage Bankers Association – Legal Issues and Regulatory Compliance Committee, and the Mortgage Bankers Association of Central Florida.

Mr. Dunn was an active participant in the 2014 Florida loan originator test writing maintenance cycle. Prior to and during law school, Michael was a Florida-licensed mortgage broker and worked for a compliance company providing auditing services to assure best practices by loan officers for a nationwide lender. He also clerked within the state of Florida’s Department of Business and Professional Regulation assisting its legal staff with administrative enforcement activity.

Joe Nunziata

CEO / CMB

Joe is the Co-CEO of FBC Mortgage, LLC and co-managing member of its parent Pine Court Holdings, LLC. He is a director at One Florida Bank, a Central Florida based community bank. Joe served as CEO and President of The Sterne Agee Group after their acquisition of FBC Mortgage in 2012 and returned to FBC in 2015 after the company re-acquired itself from Sterne Agee. Prior to co-founding FBC Mortgage, LLC Joe was SVP at First Horizon Home Loans, a NYSE listed company from October 2003 until November 2005

Joe was a shareholder and Vice President at American Heritage Mortgage Corp. from June 1989 until October 2003 and served on the boards of Sunshine Bank (NASDAQ), Southern Community Bank, and Fifth Third Bank of Central Florida (NYSE). With a strong belief in community, Joe serves on the boards of The Advent Hospital Foundation, The Seminole and Orange County Sheriff Foundations, and the FBC Mortgage Charitable Foundation.

Joe is a certified mortgage banker (CMB) through the Mortgage Bankers Association of America. He has served on the MBA’s Legislative Committee and served on the Board of Adjustment for the City of Longwood, Florida. He has discussed industry topics on CNBC and Fox news as well as participated on numerous industry panels. Graduating from the University of South Florida, he received his bachelor’s degree in business. Joe was named Executive of the Year by the Orlando Business Journal in 2015 and was an Ernst & Young Entrepreneur of the Year recipient in 2017.

jim-girard

Jim Girard

SVP, National Branch Development Director

Having over 40 years of varied experience with nationally recognized leaders in the mortgage industry, Jim Girard serves as FBC Mortgage, LLC’ Senior Vice President- National Branch Development Director. Jim possesses a varied background in retail, wholesale and correspondent production, as well an operational background in areas including human resources, underwriting, secondary marketing, loan delivery, servicing and vendor management. With a demonstrated ability to help grow smaller companies into nationally recognized organizations, Jim is committed to making FBC Mortgage a national top ten lender. Jim grew up in Canton, Ohio and now resides in Lake Mary, Florida.

Irene Gonzalez

Chief Administrative Officer
Irene Gonzalez is the Chief Administrative Officer of FBC Mortgage, LLC. A graduate of the University of Central Florida, Irene has spent most of her career in the human resources field within the mortgage industry at American Heritage Mortgage, First Horizon and FBC Mortgage, LLC.
 
In her current role, Irene is responsible for day-to-day activities involving hiring, performance management, organization development, benefits, training and payroll. She strives to create the right environment for the employees of FBC Mortgage, LLC and is proud the organization is continually voted as a “best places to work.”

Dyron Watford

Chief Financial Officer

Dyron M. Watford serves as the company’s Chief Financial Officer. Dyron has over 21 years of both private and public accounting experience specializing in structuring, leading, and advising corporations through private and public offerings, strategic initiatives and regulatory reporting and compliance. He is responsible for the overall finance function of the company.

Dyron is a graduate of Florida Southern College where he earned a Bachelor of Science degree in accounting, and the University of Central Florida where he earned a Master of Business Administration degree. He is licensed in the state of Florida as a Certified Public Accountant.

Daniel Herbon

Chief Information Officer/Chief Information Security Officer

Daniel Herbon is the Chief Information Officer, Chief Information Security Officer and Privacy Officer of FBC Mortgage, LLC. Dan has been working in the technology industry for 20 years, joining FBC Mortgage in 2006. Dan’s experience spans all aspects of the technology industry. In his current role, he’s responsible for the day-to-day technology operations of the company, overseeing the Help Desk, Systems, Network, Cybersecurity, RPA and Development Departments.

With his experience and keen ability to communicate technology, Dan aims to assist in FBC Mortgage’s future growth by implementing industry leading technology, securing the company’s infrastructure and promoting departmental efficiency through technology. In his spare time, he enjoys golfing and spending time with his wife and three children.

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