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  1. 1. homebridge.com
  2. 2. The HomeBridge Difference Partners for the Path Ahead People, Knowledge, Experience Operating Principles Customer-Centric Orientation • 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. • 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. • 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.
  3. 3. Continued Trend of Sustained Growth Partners for the Path Ahead Volume 2012 – $4.9 billion 2013 – $6.2 billion 2014 – $6.4 billion Units 2012 – 21,265 2013 – 26,058 2014 – 26,725 Retail Branches 2012 – 59 2013 – 68 2014 – 104 Number of Associates 2012 – 1,183 2013 – 1,219 2014 – 1,248 Servicing Portfolio 2012 – $4.98 billion 2013 – $8.75 billion 2014 – $12 billion 2012 GROWTH 2013 2014
  4. 4. Production By Channel Retail and Consumer Direct (46%) Wholesale (48%) Correspondent (6%) Production By Product Type Conventional (60%) Government (40%) 2014 Production Recap Partners for the Path Ahead Production By Loan Type Purchase (72%) Refinance (28%)
  5. 5. Locations and Licensing AZ NV CA OR ID MT WY CO AK HI TX OK KS NE SD ND MN IA MO AR LA MS AL GA FL SC NC TN KY VA WV OH PA NY VT NH ME RI CT NJ DE DC MD IN IL WI WA NM MI Partners for the Path Ahead Corporate Headquarters – Iselin, New Jersey More than 100 branches in 28 states and Washington, D.C. HomeBridge is Licensed in 47 States and Washington, D.C. States with a Licensed HomeBridge Branch States where HomeBridge is also Licensed to Provide Home Loans No License Held
  6. 6. We aspire to be the most recommended home mortgage company in the country.   Partners for the Path Ahead 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. MISSION: VISION:
  7. 7. Partners for the Path Ahead Peter Norden Chief Executive Officer Nearly 40 years experience in residential lending Former CEO of Opteum Financial Services and FirstTowne Mortgage Serves on the Fannie Mae CEO Advisory Board Joel Katz President More than 20 years in residential lending Former Managing Director at Fortress Investment Group, Director of Mortgage Finance at Salomon Smith Barney and CEO of Union Planters Mortgage Company 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
  8. 8. Rick E. Floyd Executive Vice President Office: 678-304-5608 Cell: 770-265-7760 E-mail: rfloyd@homebridge.com www.ChasingExcellenceBlog.com Partners for the Path Ahead www.HomeBridge.com
  9. 9. Personalized Marketing Support On Demand: • Library of custom flyers and e-blasts personalized to Loan Originator Database Driven: • Automated 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 New Media: • Mobile marketing • Social media campaigns • Blogging platform Customized Support: • Grass roots campaigns • Event marketing • Promotional products • Media outreach • Co-branded materials • Personal marketing plans Partners for the Path Ahead Mortgage Loan Originator Reginal Graham rgraham@HomeBridge.com www.HomeBridge.com/reginalgraham Peachtree City GA 30269 200 Westpark Drive Suite 300 HomeBridge Financial Services, Inc. 866-590-6529 404-461-3172 678-833-0432 Fax Cell Office NMLS #230060 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.
  10. 10. Web Presence All licensed Mortgage Loan Originators have a personal page on HomeBridge.com, featuring: • Bio, photo and contact information • Online application • Free rate quote / lead generation form • Client testimonials • Preferred partners • Personalized blog • Mobile-first design strategy • Search engine optimized Partners for the Path Ahead
  11. 11. Product Line HomeBridge is a FNMA, GNMA and FHLMC direct issuer, which allows us to go direct to the secondary market without relying solely on the aggregators. Currently, HomeBridge securitizes around 90% of all production. Traditional Products: • Conventional • FHA • VA • Fixed and Adjustable Rates • Jumbo and Super Jumbo • Reverse Mortgage • USDA Financing • Second Home or Investment Properties Niche Products: • FHA 203(k) and 203(h) • FNMA HomeStyle • VA 95% Cash Out • Interest Only • Mixed Use or Commercial • Bond Programs • HomeBridge HomeFixer • Energy Efficient Mortgage Partners for the Path Ahead
  12. 12. Broker Partners Partners for the Path Ahead
  13. 13. Correspondent Partners Partners for the Path Ahead
  14. 14. Renovation Lending Each file is assigned a personal Concierge who works with the file from start to finish Partners for the Path Ahead Common-sense approach to processing, underwriting and closing renovation loans A unique “Renovation Concierge Service” assists sales and operations associates • Product sales and marketing • Operational support (collection of contractor docs, work write ups, appraisals, etc.) • Coordinating the entire post-closing renovation phase Currently the country’s third largest HUD 203(k) lender With the Renovation Concierge Team’s help, HomeBridge Mortgage Loan Originators are able to expand their book of business Takes the mystery and the fear out of Renovation Lending Multiple Renovation Solutions: • FHA 203(k) - Streamline and Consultant • FNMA HomeStyle • HUD $100 Down • HomeBridge HomeFixer
  15. 15. • “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 • Timely notification as market conditions improve or worsen Capital Markets Partners for the Path Ahead
  16. 16. Lock and Shop Program Realtor / Builder Advantages Partners for the Path Ahead Extended Rate Locks Forward Commitments Project Approval Services for FNMA and FHA Site Coverage Terms Up-front Underwriting Underwriting Scenario Desk
  17. 17. • Disclosure, set up, processing, underwriting and closing on a regional level (most branches have on-site processing) • Dedicated underwriting scenario and exception 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 Operational Environment Partners for the Path Ahead
  18. 18. 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
  19. 19. 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 • Monthly training webinars on topics like the brokered loan process, LOS reporting, Microsoft Office, and more Partners for the Path Ahead
  20. 20. 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 Cigna Long Term Disability Cigna Partners for the Path Ahead
  21. 21. 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
  22. 22. 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!
  23. 23. 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 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.