homebridge.com Partners for the Path Ahead The HomeBridge Difference People, Knowledge, Experience • Our people are our best asset. They are well trained, knowledgeable and experienced so they can make decisions quickly. • HomeBridge combines the financial stability of a large corporation with the compassionate, individualized approach of a small business. Operating Principles • We have uncompromising integrity and strive to exceed expectations in all we do. • Our goal is excellence in all we do, including delivering the highest quality product and best experience. Customer-Centric Orientation • We don’t merely process transactions, we help families acheive their dream of home ownership and help real estate agents and construction professionals build thriving communities. • Personal, relevant and timely attention are the hallmarks of our communication process. Partners for the Path Ahead 2012 and 2013 Sustained Growth Volume 2012 – $4.9 billion 2013 – $6.2 billion Units 2012 – 21,265 2013 – 26,058 2012 – 59 2013 – 68 GROWTH Retail Branches Number of Associates 2012 – 1,183 2013 – 1,219 Servicing Portfolio 2012 – $4.98 billion 2013 – $8.75 billion 2012 2013 Partners for the Path Ahead 2014 Production Through June Nearly 12,000 loans for $2.78 billion Production By Channel Production By Product Type Retail and Consumer Direct (44%) Conventional (59%) Wholesale (50%) Government (41%) Correspondent (6%*) * First loan purchased in May 2013. Partners for the Path Ahead Locations and Licensing WA MT ME ND MN OR VT NH ID SD WI NY MI WY IA NE NV PA IL OH IN WV CO CA KS AZ MO VA KY NC TN OK NM SC AR MS TX RI CT NJ DE DC MD AL GA LA AK FL HI Corporate Headquarters – Iselin, New Jersey States with a Licensed HomeBridge Branch More than 90 Branches in 24 States and Washington, D.C. States where HomeBridge is also Licensed to Provide Home Loans HomeBridge is Licensed in 47 States and Washington, D.C. Application Pending No License Held Partners for the Path Ahead VISION: We aspire to be the most recommended home mortgage company in the country. MISSION: HomeBridge Financial Services, Inc. specializes in facilitating and securing home mortgage solutions. Our unique combination of speed, financial stability and custom solutions delivered by professionals with deep industry knowledge has fueled our growth over the last 25 years. At HomeBridge, we do something very special. We don’t merely process transactions, we help families achieve their dream of home ownership, we help real estate agents and construction professionals build thriving communities. We are known for our Customer Commitment. We believe our financial success is a direct result of our fanatical adherence to a core belief system, a culture of integrity in everything we do. We celebrate our team’s unwavering commitment to support each other and delight customers every day with superior service. Partners for the Path Ahead Peter Norden Chief Executive Officer Nearly 40 years experience in residential lending Joel Katz President More than 20 years in residential lending Former CEO of Opteum Financial Services and FirstTowne Mortgage Former Managing Director at Fortress Investment Group, Director of Mortgage Finance at Salomon Smith Barney and CEO of Union Planters Mortgage Company Serves on the Fannie Mae CEO Advisory Board Rick Floyd Executive Vice President Nearly 25 years of management, sales and coaching experience in residential lending Previously a Partner at Opteum Financial Services and Sales Director at FirstTowne Mortgage Past President of the Mortgage Bankers Association of Georgia Partners for the Path Ahead Personalized Marketing Support On Demand: • Library of custom flyers and e-blasts personalized to Loan Originator New Media: • Mobile • Social marketing media campaigns • Blogging platform Database Driven: Customized Support: • Automated • Grass roots campaigns • Event marketing direct mail and e-mail campaigns for Business Partners, Customers and Future Prospects Interactive Sales Tools: • Web based open house flyer creation and mortgage planning presentations Reginal Graham Mortgage Loan Originator NMLS #230060 • Promotional • Media products outreach • Co-branded • Personal materials marketing plans Office Cell Fax HomeBridge Financial Services, Inc. 200 Westpark Drive Suite 300 Peachtree City GA 30269 678-833-0432 404-461-3172 866-590-6529 rgraham@HomeBridge.com www.HomeBridge.com/reginalgraham HomeBridge Financial Services, Inc. Corporate NMLS #6521. Georgia Mortgage Lender License 22495. Alabama Consumer Credit License 21077. South Carolina-BFI Mortgage Lender / Servicer License MLS – 6521. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Partners for the Path Ahead Product Line HomeBridge is a FNMA and GNMA direct issuer, which allows us to go direct to the secondary market without relying solely on the aggregators. Currently, HomeBridge securitizes nearly 95% of all production. Traditional Products: Niche Products: • Conventional • FHA • FHA • FNMA HomeStyle • VA • FNMA HomePath • Fixed and Adjustable Rates • Jumbo and Super Jumbo • Reverse • USDA Mortgage Financing • Second Home or Investment Properties • VA 203(k) and 203(h) 95% Cash Out • Interest • Mixed • Bond Only Use or Commercial Programs • HomeBridge • Energy HomeFixer Efficient Mortgage Partners for the Path Ahead Broker Partners Partners for the Path Ahead Correspondent Partners Partners for the Path Ahead Renovation Lending Currently the country’s third largest HUD 203(k) lender A unique “Renovation Concierge Service” assists production and operations staff • Product sales and marketing Common-sense approach •Operational support (collection of contractor docs, work write ups, appraisals, etc.) • Managing the entire post closing construction phase to processing, underwriting and closing renovation loans Each file is assigned a personal Concierge who works with the file from start to finish With the Renovation Concierge Team’s help, everyone at HomeBridge is a Renovation Lending Expert Partners for the Path Ahead Capital Markets • • • • • “Automated” product eligibility and best execution loan pricing Open-Door Policy encourages regular communication to ask questions or discuss scenarios Extended hours to cover all time zones Product helpdesk support by phone or e-mail to assist Loan Originators in finding the best product for each client’s situation Immediate notification as market conditions improve or worsen Partners for the Path Ahead Realtor / Builder Advantages Lock and Shop Program Project Approval Services for FNMA and FHA Extended Rate Locks Up-front Underwriting Forward Commitments Underwriting Scenario Desk Site Coverage Terms Partners for the Path Ahead Operational Environment • Processing, underwriting and closing on a regional level (most branches have on-site processing) • Underwriting scenario and exception handling helpdesk by phone or e-mail • “Certified Processor” program expedites the closing process by validating DU approvals and streamlining the clearing of underwriting conditions • Effective common sense underwriting for safe and sound lending Partners for the Path Ahead Technology Platform Single platform loan origination system • Paperless environment • “Lock online” functionality with overnight protection • Electronic delivery of all documents • Initial disclosure electronic signatures • Secure eFax numbers • Helpdesk support via web, e-mail or phone • Partners for the Path Ahead On-Boarding & Education • Automated on-boarding portal quickly converts candidates into productive associates • Two-day hands-on new hire training • Job tutorials and step-by-step guides • Weekly phone calls with all new hires • HomeBridge University, an online e-learning environment Partners for the Path Ahead Human Resources Benefit Provider Medical Cigna Dental Cigna Dental Vision Cigna Flexible Spending Accounts PrimePay Life Insurance Cigna 401(k) with Company Match The Principal Short Term Disability Lincoln Financial Long Term Disability Cigna Additional Life Insurance Short Term Disability Additional Benefits Through Aflac Insurance Personal and Max. Cancer Plans Personal Accident Plan Special Event Health Rider Partners for the Path Ahead Hear for Yourself Gain deeper insight into our culture www.homebridge.com/videos Check out Rick Floyd’s weekly video blog at www.ChasingExcellenceBlog.com Partners for the Path Ahead HomeBridge annually recognizes its top producers from each division with a sales incentive trip. Winners and their guests enjoy exotic locations, adventurous activities, around-the-clock pampering and awards distinguishing them as the best HomeBridge has to offer. The 2014 All-Star Team is headed to The Ritz-Carlton San Juan! Partners for the Path Ahead www.HomeBridge.com Rick E. Floyd Executive Vice President Office: 678-304-5608 Cell: 770-265-7760 E-mail: rfloyd@homebridge.com www.ChasingExcellenceBlog.com HomeBridge Financial Services offers outstanding opportunities for dedicated mortgage professionals. Contact us today to learn more about why HomeBridge is the perfect place to begin or further your career. HomeBridge Financial Services, Inc. NMLS #6521. This is a business-to-business communication for use by mortgage professionals only and is not intended for distribution to consumers or third parties. It is not an advertisement; as such term is defined in Section 226.24 of Regulation Z. ©2014 HomeBridge Financial Services, Inc. All Rights Reserved