Perl Mortgage - The Next Big Thing

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1 Leadership begins with PERL Find how your voice and our platform can take your business to the next level. A leader is one who knows the way, goes the way and shows the way. - John Maxwell

2 Leadership begins with You. A Career With PERL As one of the top 100 lenders in the country, according to Mortgage Executive Magazine 2012, PERL Mortgage continues to increase its presence nationally. In addition to funding over 1.6 Billion in loans for 2012, PERL s national expansion efforts were heavily accelerated, with aim to continue to grow on a national platform. We offer a variety of career opportunities and seek qualified, high-performing candidates to help support and continue our rapid national growth. PERL offers you the industry s most valuable resources right at your fingertips. We are proud to offer employees a dynamic environment that encourages learning and development. You ll collaborate with the nation s top mortgage professionals. PERL s owners, Ken Perlmutter and Steve Laner, also serve as loan originators. We are a company that is built by sales people for sales people. We differentiate ourselves from the competition by adapting to your needs to compliment your unique, individual market. At PERL, you have a voice - your suggestions and ideas are taken into consideration, whether it concerns the benefit of your own market or the entire company. Although PERL is headquartered in Chicago, Ken and Steve understand the nature of the diverse national markets. They know what it takes to succeed in this business, openly welcoming and implementing your new ideas and suggestions to help the company grow. PERL isn t where loan originators go to start their career. It s where experienced professionals call home. We are a company that is built by sales people for sales people. Listen to what top producers are saying: While joining PERL, our office was simultaneously absorbing another mortgage company. Company owner, Ken Perlmutter, continuously stayed in contact with us while patiently helping us navigate through this 3 party negotiation that took several months. He was open to our needs and suggestions and delivered on his promise without hesitation. If it had not been for PERL s stellar reputation and financial standing, we couldn t have made this happen. - Steve Prendergast, WI Having made PERL my home for lending, I am confident I have made the right choice for my office. We are not only meeting expectations of our realtors and referral partners, but surpassing them. I truly am grateful for the support and systems in place that allow me to have confidence once again in the residential lending industry. - Tim Lowe, MI

3 About PERL PERL is a leading independent mortgage banker, headquartered in Chicago, offering flexible financing options, seamless loan execution, and unparalleled customer service. PERL has maintained a high level of integrity and superior business practice with a legacy of leadership for over 18 years. We pride ourselves in building lifelong associations with our clients, and help finance more than just a first home; we continually manage our clients long-term needs to secure lifelong success. Nationally Recognized Lender Ranked in the top 100 lenders in the nation (Mortgage Executive Magazine, 2012). We ve been recognized as an industry leader by Crain s Chicago Business, National Mortgage News, Mortgage Originator Magazine, Mortgage Executive Magazine and the Illinois Association of Mortgage Professionals. We have consistently maintained an A+ rating by the Better Business Bureau. PERL was ranked #37 in the nation as a Top Lender (Scotsman Guide Top Lenders, 2012)

4 Operations and Secondary Marketing: Our in-house underwriting, processing, and closing departments lead to fast and easy closings. PERL s operations focus is service-driven, which results in meeting or exceeding our customers and referral partners expectations. This allows our Mortgage Advisors to be able to originate with confidence that they are backed internally by a strong support staff. PERL s outstanding reputation with our correspondent and portfolio lenders enables us to provide our Mortgage Advisors with an extensive product menu, at highly competitive pricing. PERL uses Optimal Blue as a pricing search engine, offering instant product eligibility and loan pricing comparisons from both correspondent and broker investors. Employee Benefits: 401k salary match Medical insurance available 30 days from the 1st of the month after your date of hire A variety of medical and dental plans available with Blue Cross and Blue Shield as well as Guardian Life and Disability Insurance Available PERL is a best kept secret! With larger companies consolidating and taking on a bank atmosphere, PERL has a unique position to attract the independently -minded, top-producing mortgage professionals who seek to have a voice in the organization they join. We understand that your name is important, and that you ve built your business on your good reputation. PERL s unique work environment is ideal for a top producing agent. The entrepreneurial spirit and positive atmosphere has really helped me with my business over the years. - Dean Vlamis, IL

5 Our On-boarding Process Welcome to Perl! When making the transition to Perl, you will not be alone. We have a dedicated On-boarding department in place to answer any questions you have during the transition, beginning with a personal phone call from our marketing team reviewing all the Marketing resources available. Immediate Marketing Support: When you join Perl you are automatically setup with tools you need to be successful. Business cards Personal Perl LO Web page - Includes your head shot, bio, contact information, Rate Request, online application, etc. Database setup Mortgage CRM system setup Personalized I ve Moved! postcard and E-blast I ve really felt good about my move to PERL Mortgage. Aside from the great environment, they have a unique marketing department that s allowed me to get my name out there in ways I haven t before. - Beth Lewis, IL

6 Leadership begins with Support. Marketing & Business Development PERL s increased our marketing efforts by adding our own in-house Marketing / Business Development team. Marketing is crucial to a Mortgage Advisor s success, and PERL stays in front of customers and Realtor partners with a wide variety of materials customizable to your needs. PERL also provides the Business Development resources to help Mortgage Advisors design a plan to grow their business in today s constantly changing marketplace. Postcards & Flyers Choose from a library of pre-built materials tailored for the needs of your clients. Need something unique to your market? We will work with you to create a custom piece just for you. Home Loan Analysis, Rate Sheets & s Feature a specific property complete with loan comparisons and home features along with up-to-date rates.

7 Marketing Just Listed/Sold Postcards Send postcards to residents of a specific neighborhood informing them of a property you just listed or sold in their area. Home Buyers Guides Ease your clients through the mortgage process with tools explaining the ins and outs of buying/refinancing. Seasonal Event Calendars Inform your clients of the best events, festivals and happenings in your town.

8 Company Owner Is Still In Trenches, Seeking Leads As featured in National Mortgage News, DEC 28, 2012 [ Ken Perlmutter remains a top producing day-to-day originator, giving him a perspective he shares with his sales staff. When it comes to providing advice to a sales staff, Ken Perlmutter, who is one of the owners of Perl Mortgage, can do so with some authority and talk with them about dealing with current business conditions. He finished 45th on the 2011 Origination News top 150 producer list, with $75 million. With 2012 ending today, he has originations of $57 million. Perlmutter got into the mortgage business from doing sales for Allen Bradley. At the time he started in the business in 1993, his wife was pregnant with their first set of twin boys (four years later they would have a second set of twin boys) Perlmutter was looking to start saving for their college educations so they could attend any school they desired. So he started moonlighting in the mortgage origination business. I saw how much money he was making and I realized how long it took me and how much work I had to do to make that amount of money doing what I did for a living, so Perlmutter asked the originator if there was any way he could get into the mortgage business. He started working at night, working telemarketing leads and did that for several months. But having an entrepreneurial bent, with a wife who at the time owned her own business, Perlmutter opened Perl Mortgage in October He brought in a partner, Steve Laner, in Both are top producers and that gives them that unique viewpoint when it comes to dealing with the sales force. We re a pretty good-sized company and the owners are producers. We get it, we know what our loan officers go through because we live it every day, Perlmutter said. I m in the trenches every day. The company prides itself on the number of high-volume producers it has working there. Perl Mortgage has five people on the ON Top 150 list, including Laner at No. 86. He said any tools that he needs to write a loan is the same as any of his producers big or small need. He works with the people who produce $50 million and those who do just $10 million or $20 million. I know what it takes to get it done, and (he) has a feel for what these originators need in terms of support. Perl Mortgage has an amazing management team which he supervises, plus he still enjoys writing loans. As for the support the company provides its staff, it has a loan officer assistant program, where each LO is teamed up with an assistant; high-volume producers get a dedicated assistant. We rather have the sales people go out and sell as much as they can and we ll give you some support in the office, Perlmutter said. He has been able to accomplish the financial security he wanted when he started in the mortgage business. The older boys are sophomores at the University of Michigan while the younger ones are sophomores in high school. By doing the right thing for the consumer, it ends up being the right thing for his business. And both individually and as a company he is poised to capitalize on the years ahead, helping qualified borrowers get the money to purchase a home. - By Brad Finkelstein

9 A Mile In Your Shoes. Our owners are still originating loans on a daily basis which means they know exactly what you want and need to be successful. As seen in April 2013 Contact us at sellis@perlmortgage.com or call to find how your voice and our platform can take your business to the next level.

10 Leadership begins with History. Our Timeline Ken Perlmutter opens first Chicago location in Bucktown. Steve Laner, Vice President, joins PERL and opens Deerfield location PERL joins the Illinois Homeowner s Assistance Initiative, the nation s most comprehensive statewide plan designed to provide immediate assistance to Illinois homebuyers at risk of losing their homes PERL moves from Bucktown to new space on West Belmont in Chicago. PERL funds $1.1 billion in loans and is named #14 on the prestigious Crain s Chicago Business List of Largest Mortgage Lenders Nominated 2008 Banker/Broker of the Year by the Illinois Association of Mortgage Professionals. One of PERL s originators receives highest honor as Loan Officer of the Year. PERL is featured in Chicago Agent s Real Estate Powerhouse issue PERL celebrates its 10-year anniversary. PERL opens a 3rd location in Chicago s River North neighborhood. National Mortgage News lists PERL as the #1 Private Correspondent Lender in Illinois PERL Mortgage receives 23 nominations for the IAMP awards and is celebrated on the Scotsman Top Originators list. PERL Mortgage was ranked #46 out of the top 100 lenders in the country by Mortgage Executive Magazine Four Mortgage Advisors awarded top honors in Mortgage Originator Magazine Top 200 Originators in Ken Perlmutter receives the renowned Harold Isaccson Award from the Illinois Association of Mortgage Professionals (IAMP) for exemplifying the professional qualities and involvement in the association as a leader PERL Mortgage receives 2012 Best of Chicago Award in the Mortgage Brokers category by the Chicago Award Program. Ranked #37 Top Lender in the Nation by Scotsman Guide

11 As seen in June 2013 Looking for the tools and support you need to turn your business into something great? There s a difference between working a job and building your career. We know because Perl was built by sales people, for sales people. Contact us at sellis@perlmortgage.com or call to find out how your voice and our platform can take your business to the next level.

12 Leadership begins with Listening Contact Scott Ellis at or call to find how your voice and our platform can take your business to the next level. PERL Mortgage is an Illinois residential mortgage licensee (MB ) and equal housing lender. Licensed by Department of Corporations under the California Residential Mortgage Lending Act. NMLS #19186 Arkansas - Company license # : Arizona License - Perl Mortgage, Inc. 460 West Johnson Drive, Gilbert, AZ., Mortgage Banker License # California License # Licensed by the Department of Corporations under California Residential Mortgage Lending Act - Colorado License # To check the license status of your mortgage loan originator, visit the Colorado Division of Real Estate Website - Connecticut License # Florida License # MLD379 - Illinois Residential Mortgage Licensee- Office of Banks and Real Estate, Mortgage Banking Division, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, (312) , 2936 W Belmont Ave, Chicago, IL MB Indiana 1st Mortgage License # Iowa License # Kansas License # MC Massachusetts Mortgage Lender & Mortgage Broker License MC Michigan 1st Mortgage License # FROO Michigan 2nd Mortgage License # SR Minnesota License # MN-MO Nebraska License # NE Oklahoma License # MB Tennessee License # Virginia Licensed by Virginia State Corporation Commission, License # MC Wisconsin License # 21925BA - NMLS: ; IL: