You are about to become a raving fan.

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1 You are about to become a raving fan. Welcome to Equity Resources! We learned a long time ago what being a truly great lender is all about: 1) Create select relationships with key individuals and organizations. 2) Deliver a positive, memorable experience. 3) Work with honesty and integrity. That s what creates raving fans and that s how we have grown into the successful company we are today. In addition to providing a wow client experience, our commitment is: 24 hour final loan decisions Common sense and flexible underwriting Guaranteed on-time document delivery I invite you to explore Equity Resources and what we have to offer. We are known within the industry as one of the best in service and delivery and a company that keeps its promises. While honesty and integrity direct us, our service and delivery is what defines us. Ed Rizor President of Equity Resources, Inc. quick comfortablehonest

2 Why Equity Resources About us Equity Resources was formed in 1993 with a Core Purpose to help improve the lives of families. We are a privately held corporation based in Newark, Ohio with branch offices in Ohio, Pennsylvania, Kentucky and Maryland. We are licensed as first and second mortgage lender in Alabama, Delaware, District of Columbia, Florida, Georgia, Indiana, Kentucky, Maryland, Michigan, North Carolina, Ohio, Pennsylvania, South Carolina and Virginia. We are a different type of lender Equity Resources is a mortgage banking entity. That means we originate, process, underwrite, close and fund our own loans. This independent level of control over the entire process eliminates unnecessary steps, allowing us to meet our commitments on time and make quality, common sense mortgage loans. 100% independent We are 100% independently owned and operated. That gives us the ability to adapt quickly to a changing market and make decisions without delays. The right loan products We offer most all conventional conforming Agency mortgage loans as well as Government products such as FHA, VA and USDA loans. Incredibly stable As well as being an independent company, we are well capitalized and have never had a single issue funding a loan as committed. Growing every day While many lending firms are contracting their staffs and operations, Equity Resources is expanding. We pride ourselves in employing some of the most experienced loan originators and support staff in the industry. We attract the best because people see us as the best place to work. A higher standard Equity Resources conducts its business in a manner consistent with our established Core Values, including delivering a Raving Fan customer experience. While honesty and integrity direct us, our service and delivery is what defines us. Equity Resources is a member of the Better Business Bureau with an A+ Rating *

3 What We Offer Loan Products FNMA and FHLMC conforming programs FHA and VA Rural Development Process In-House loan processing in Newark, Ohio 24 hour turnaround on underwriting and closing conditions Full Eagle Direct Endorsement FHA underwriting VA Automatic Lender Close in our own name Pricing State of the Art Pricing Engine Always highly competitive interest rates Quote Memory technology; stores and recalls your customer s information Communication Dedicated loan originator assigned to your account and to each loan Weekly Status Updates on all loans Available to help answer questions and address needs Stability History of funding over $3.2 Billion in home loans Never an issue in having capital to fund a loan Majority of our origination staff have a minimum of 10 years of experience Technology Origination Staff interfaced live with loan processing team Real time data available on loan status in process Eternal customer history kept on file Values Our Core Purpose is to help families improve their lives We work with honesty and integrity Our mission is to make every client a Raving Fan *

4 Your Mortgage Professional DEREK GOOD PHONE (740) / (800) ADDRESS 25 S. Park Place * Newark, OH FOR MORE INFORMATION AND OUR ONLINE APPLICATION, VISIT I have worked with Equity Resources for over 15 years. I am committed to our community by providing mortgage solutions that improve the lives of families. As a mortgage professional with over 15 years of experience in mortgage lending, I have the knowledge and perseverance to see even the most challenging circumstances through to the end. I have worked with Equity Resources since I enjoy developing relationships with people and through my experience, helping people achieve their goals and dreams of becoming homeowners. My focus is to create customers for life. I work hard to make the process of buying a home and refinancing smooth, so there are no surprises. I am here to help you and your customers with all your financial needs, quickly and smoothly. Equity Resources, Inc. NMLS #1579, Derek Good NMLS #55014, OH MB *

5 Testimonials We ve heard it all before. Equity Resources has been specializing in mortgage lending since We are the only alternative outlet for numerous banks, builders and REALTORS. Here were some of their concerns and may be yours. Approved today, but approval changes just before closing Too good to be true All I want is honesty and no surprises. Tired of wishy washy answers. Give me a yes or no quickly. No surprises at closing We walk the talk. Don t take our word for it! Read what some of our affiliates have said Thank you for the miracle you guys pulled out on this one! That was terrific service and I am really impressed! Unbelievable I don t know how you guys did this, but you all are absolutely fabulous! I know that a THANK YOU isn t merely enough; but right now I am so thankful for your tenacity, determination and compassion, and your leadership, that I am speechless which for me, is highly unusual! WAY TO GO! It s always a pleasure to work with one of your staff members. Equity Resources customer service is number one! I really, really, really can t thank you enough. This is a miracle that you were able to turn this loan in 3 days. You guys just rock!!!!! Great job! Good job everyone 24 hours from submission to clear to close. Awesome!! I just wanted to take a moment to express how happy I am. I have never experienced a lender relationship quite like this one. We all know that our business certainly cannot be called "easy", but I can't imagine my files going any smoother than they do with your staff. You are always willing to go above and beyond to make sure that the file not only gets closed, but that my customers (and me) are happy, too. Thanks to you and your staff for the incredible customer service. It is a true pleasure working with your company. Equity Resources personal service far exceeds that of any other lender we work with. There is nothing that could possibly replace the high level of service the people of Equity Resources provide *

6 PROGRAMS FHA VA USDA Rural Development Conventional quick ~In-House Underwriting which allows us one of the quickest turn times in the business: Pre-Approvals within 48 hours Final Approvals within 24 hours comfortable ~Exclusive keep in touch system. ~We promise to call the customer at the time they request. ~We deliver what we say we will deliver. Betty Heffner Mortgage Specialist HONEST ~Guaranteed closing costs. ~No surprises at closing. Quick & Easy purchase application at PENNSYLVANIA OFFICE: 304 Frankstown Rd, Altoona PA Equal Housing Lender. NMLS Betty Heffner NMLS Licensed by the PA Department of Banking. Certain restrictions apply, call for details.

7 Introducing Equity Resources While honesty and integrity direct us, our service is what defines us. Ed Rizor, President Equity Resources was formed in 1993 with a Core Purpose to help improve families lives. We are a privately held corporation based in Newark, Ohio with offices in Pennsylvania and Maryland. We are licensed as a first and second mortgage lender servicing Alabama, Delaware, District of Columbia, Florida, Georgia, Indiana, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, South Carolina and Virginia. More than a Mortgage Lender. Equity Resources is a mortgage banking entity, which means it originates, processes, underwrites, closes and funds its own loans. Loan underwriting conditions are dealt with directly by the ultimate decision makers in our Newark office. We control the closing conditions and we say when the loan is ready to close. This independent level of control over the entire loan process eliminates unnecessary controls and steps needed to comply with a least common denominator among investors and processes. More Independent than a Bank. We are independently owned and operated. Being independent gives us the ability to adapt quickly to the changing needs of the market, even to the point of anticipating the needs of the foreseeable future. Over the years, the company has grown from its beginnings as a non-prime lender to offering standard Agency and Government products. A Higher Standard in Mortgage Lending. Equity Resources conducts its business in a manner consistent with its established Core Values, including Raving Fan customer service. Equity Resources is a member of the Better Business Bureau with an A+ Rating. For more information, contact BETTY HEFFNER PHONE (814) * ADDRESS 304 Frankstown Rd, Altoona PA * WEBSITE Licensed by the Pennsylvania Department of Banking. NMLS 1579, Betty Heffner P E N N S Y L V A N I A quick comfortable We offer one of the quickest turn times in the business. Pre-Approvals within 48 hours. Final Approvals within 24 hours. HONEST We talk with the customer, not at the customer. We promise to call the customer at the time they request. We deliver what we say we will deliver. Guaranteed closing costs. No surprises at closing. Honest Feedback. Guaranteed on-time docs.

8 Loan Officer Pre-App Consultation Automated 6 Key Points of the loan Wow Gift Personal Updates and Meeting(s) 24-Hour Underwriting Raving Fan Marketing After Closing Marketing System Leads Referrals = Gifts Calls to + + Monthly Customer Newsletter Post Closing + On-Time Closing Realtor (You) More $ More Communication Less Stress/ Anxiety

9 Application (by phone, , online or in person) - Underwriter reviews within 24 hours to ensure smooth and stress-free process Welcome Experience (probing questions multiple options integrity) Educate customer on options for today and tomorrow (face to face meetings) Free gift (personalized address labels) Free gift at appraisal order stage (popcorn Blockbuster movie card) Update every 2-3 days (as requested) Pre-close the day prior to closing (need HUD) On-time closings! Closing Post closing home flag set or magnetic calendar (your picture/ information can be added for free-ask how!) is mailed along with survey Follow up system Monthly newsletter To create a Raving Fan, refer your customer to to apply Free.

10 5 Reasons Why No Surprises. Settlement Statement given 48 hours prior to Closing. SINCE * Corporate Office: 25 S Park Pl, Newark, OH Equal Housing Lender. Office NMLS 1579 OH MB800302, SM Full licensing information available at

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