We have uncompromising integrity and strive to exceed expectations in all we do.

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1 homebridge.com

2 The HomeBridge Difference 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 businesss. 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 achieve 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 Continued Trend of Sustained Growth Volume 2012 $4.9 billion 2013 $6.2 billion 2014 $6.4 billion Units , , ,725 Retail Branches GROWTH Number of Associates , , ,248 Servicing Portfolio 2012 $4.98 billion 2013 $8.75 billion 2014 $12 billion

4 Q1 and Q Production Recap Total Volume: $4.732 billion Total Units: 18,331 TOTAL Production By Channel RETAIL Production By Product Type RETAIL Production By Loan Type Retail (49%) Wholesale (50%) Consumer Direct (1%) Conventional (56%) Government (44%) YOU - YOU CAN CAN EDIT EDIT DATA DATA Purchase (74%) Refinance (26%)

5 Locations and Licensing WA OR CA NV ID MT WY CO ND SD NE KS MN IA MO WI IL MI IN KY OH WV NY PA VA VT NH ME RI CT NJ DE MD DC AZ NM OK AR TN SC NC MS AL GA TX LA AK FL HI Corporate Headquarters Iselin, New Jersey More than 100 branches in 29 states HomeBridge is Licensed in 47 States and Washington, DC States with a Licensed HomeBridge Branch States where HomeBridge is also Licensed to Provide Home Loans No License Held

6 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.

7 It is no secret we value our customers and our business partners and believe they give us purpose. We implemented Net Promoter Score, a model used by the likes of Apple, Four Seasons Hotels and Apple, to keep us honest, focused and accountable. All HomeBridge customers have the opportunity to complete our Customer Commitment survey during final document signing. A text analysis of all open-ended responses produces the following most important words and phrases: Nice Phone Calls Experience Awesome Process Extremely Helpful Wonderful Great Job Good Communication Professional Friendly Quick Response Excellent Service Great Service Attention to Detail Loan Originator Pleasant to Work Customer HomeBridge Worked Very Hard

8 Rick E. Floyd Executive Vice President Office: Cell:

9 Launched in May of 2015, the HomeBridge Performance Center established a detailed mission to offer a professional development and accountability program for every associate. Empower sales and operations associates to grow strategically, professionally and with predictability Create a culture of focus, common language and consistent sales and operations activities to align with the service demands of our referral partners and clients Provide a customized Professional Development Plan based on production and position Enable leaders to successfully guide, retain and recruit highly productive sales and operations professionals It s a proven fact that salespeople who have clear, challenging and achievable goals - and are held personally accountable for those goals - far out-perform their peer group who either have no goals or have no accountability to reach those goals

10 HomeBridge Financial Services, Inc. Corporate NMLS #6521. New Jersey Residential Mortgage Lender License Licensed Mortgage Banker (B500691) New York State Department of Financial Services. Licensed by the PA Department of Banking Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Personalized Marketing Support On Demand: Library of custom flyers and e-blasts personalized to Loan Originator New Media: Mobile marketing Social media campaigns Blogging platform Database Driven: Automated direct mail and campaigns for Business Partners, Customers and Future Prospects Interactive Sales Tools: Web based open house flyer creation and mortgage planning presentations Customized Support: Grass roots campaigns Event marketing Promotional products Media outreach Co-branded materials Personal marketing plans John Passano HomeBridge Financial Services, Inc. Mortgage Loan Originator 1639 Route 10 Suite 202 NMLS #50475 Parsippany NJ Office Cell Fax JPassano@HomeBridge.com

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 Homes or Investment Properties Niche Products: FHA 203(k) and 203(h) VA 100% Cash Out FNMA HomeStyle HomeBridge HomeFixer Construction to Perm Energy Efficient Mortgage Interest Only Mixed Use or Commercial Low to Moderate Programs Bi-Weekly FHLMC Open Access Non-Warrantable Condos FNMA REO

12 Capital Markets Automated product eligibility and best execution loan pricing Extended hours to cover all time zones Product helpdesk support by phone or to assist Loan Originators in finding the best product for each client s situation Realtor / Builder Advantages Lock and Shop Program Extended Rate Locks Forward Commitments Project Approval Services for FNMA and FHA Up-front Underwriting Underwriting Scenario Desk Site Coverage Terms

13 Operational Environment 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 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

14 Hear for Yourself Gain deeper insight into our culture Check out Rick Floyd s weekly video blog at

15 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 2015 All-Star Team is headed to the Hyatt Regency Aruba Resort and Casino!

16 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 of Regulation Z HomeBridge Financial Services, Inc. All Rights Reserved