Redefining
Mortgage
Lending
Empowering experienced originators with unmatched pricing, streamlined processes, and complete independence to grow their business.
Redefining
Mortgage
Lending
The Smart Retail MLO Model
Empowering experienced loan originators with unmatched pricing, streamlined processes, and complete independence to grow their business
Timeline
2006
Opened doors as a broker
2013
Became a non-delegated lender
2017
Transitioned to a delegated lender for conventional loans
2018
Obtained VA Automatic Authority
2019
Obtained FHA Unconditional Direct Endorsement Approval
2024
Launched Smart Retail Revolution
Experience, Evolution & Excellence
Finofi Mortgage (formerly Foote Capital Mortgage Company) was founded in 2006 by a husband-and-wife team with the goal of offering a more personalized mortgage experience to their clients.
From our beginnings as a mortgage broker to becoming a direct lender with in-house underwriting, we have continually adapted to meet the needs of our loan originators and our clients.
Why Join the Smart Retail Revolution?
Simplicity &
Transparency
in every step
Set your desired gross margin based on raw pricing directly from our investors
Operate with a flat organizational structure to maximize your earning potential
Enjoy transparent, predictable costs with a low monthly technology fee that includes essential tools like an online application, pricing engine, and loan origination system
Focus on originating loans while we handle payroll, taxes, and other back-office tasks
Is Smart Retail Right for You?
〜 Perfect for independent originators and small broker/owners ready to focus on production instead of operations
〜 Not a fit for new originators seeking intensive training
〜 If you value transparency, competitive pricing, and operational freedom, you’ll thrive with us
Our STAR Values
Service
Put Others Above Ourselves
We make intentional decisions and take actions to benefit others by being friendly and providing answers through education.
Transparency
Open and Honest Communication
We earn and retain the trust of others by being completely open and honest in all that we do and all that we communicate.
Accountability
Take Ownership
We take responsibility for our words, our actions, and our results.
Respect
Show That We Care
We care enough to think about how our actions and words impact others.
Expanding Nationwide
Our Targeted Markets
We are following a strategic path into key markets, aligning our growth with your success. Additional state licensing may be considered as needed.
Currently Licensed
Future Targeted Licenses
Pending Licenses
Let’s Chat About Your Future
Schedule a Strategy Call Today
Join a team that values your potential, supports your growth, and empowers you to achieve more. Start your journey to a fulfilling and rewarding career today!
