1st Signature Lending (FSL) is a visionary company, only because of the visionary people and leaders in the company. When lenders in the country was experiencing foreclosures everywhere, the other lenders kept fishing in the same pond. 1st Signature Lending created a One-Time-Close Construction To Perm mortgage (CTP). Focusing on the CTP has set FSL apart and allowed it to grow by 30-50% per year. You can’t point to anyone single item that makes the whole thing work it’s the entire work all the pieces working together to create an personal relationship overall affect that leads to enduring greatness. Ownership philosophy. Seeing the need, when the need it’s not here yet. Always looking to the future, five – 10– 20 years down the road. Always fishing in the Blue Ocean and not the Red where all others lenders fish. Find leaders that have big picture thinking. Allow those leaders to unleash their full potential and release the power of strategic thinking. Create an atmosphere of encouraging and participation of shared thinking Bring all employee (family) into the vision. People will buy into an idea only after they buy into the leader who communicates it. Carry thought from idea to implementation, listening to people in the firing line who will give you a great insight because they are closest to changes that occur as a result of the new idea. Always remember ideas have a short shelflife you must act on them before the expiration date. This philosophy has made us profitable in times when many are closing their doors of down 50%. Lastly, always looks for partnerships to grow and help others and help the market.