The HomeBridge Difference
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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 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 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 2014 Production Recap Production By Channel Production By Product Type Production By Loan Type Retail and Consumer Direct (46%) Wholesale (48%) Correspondent (6%) Conventional (60%) Government (40%) Purchase (72%) Refinance (28%)
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 DC MD 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 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 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 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 Rick E. Floyd Executive Vice President Office: Cell:
9 HomeBridge Financial Services, Inc. Corporate NMLS #6521. Georgia Mortgage Lender License Alabama Consumer Credit License South Carolina-BFI Mortgage Lender / Servicer License MLS 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 Reginal Graham HomeBridge Financial Services, Inc. Mortgage Loan Originator 200 Westpark Drive Suite 300 NMLS # Peachtree City GA Office Cell Fax rgraham@homebridge.com
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
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
12 Broker Partners
13 Correspondent Partners
14 Renovation Lending Currently the country s third largest HUD 203(k) lender Common-sense approach 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, HomeBridge Mortgage Loan Originators are able to expand their book of business Takes the mystery and the fear out of Renovation Lending 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 Multiple Renovation Solutions: FHA 203(k) - Streamline and Consultant FNMA HomeStyle HUD $100 Down HomeBridge HomeFixer
15 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 to assist Loan Originators in finding the best product for each client s situation Timely notification as market conditions improve or worsen
16 Realtor / Builder Advantages Lock and Shop Program Extended Rate Locks Project Approval Services for FNMA and FHA Up-front Underwriting Forward Commitments Underwriting Scenario Desk Site Coverage Terms
17 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
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, or phone
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
20 Human Resources Benefit Medical Dental Vision Flexible Spending Accounts Life Insurance 401(k) with Company Match Short Term Disability Long Term Disability Provider Cigna Cigna Dental Cigna PrimePay Cigna The Principal Cigna Cigna
21 Hear for Yourself Gain deeper insight into our culture Check out Rick Floyd s weekly video blog at
22 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 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
We have uncompromising integrity and strive to exceed expectations in all we do.
homebridge.com The HomeBridge Difference People, Knowledge, Experience Operating Principles Customer-Centric Orientation Our people are our best asset. They are well trained, knowledgeable and experienced
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