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Properties We Finance

Mortgage Lending Process

Step 1: Origination

IMC Origination Team

• Establish correspondent and investor network to source loans
• Manage presence in all major Canadian markets
• Manage portfolio diversification

Step 5: Portfolio Management & Servicing

IMC Credit/Risk and IMS

• Review portfolio performance
• Manage borrower relationship and requirements

       Step 4: Closing

       IMC Closing Team

• • • • • Legal documentation
        • Rate locking (if applicable)
        • Closing

Step 2: Underwriting

IMC Underwriting Team

• Analyze property and sponsor information
• Structure loan terms
• Maintain consistent underwriting standards

Step 3: Diligence

IMC Origination Team and Underwriting Team

• Review third party reports
• Obtain credit committee approval