WHEN IT COMES TO CLOSING LOANS, WE MEAN BUSINESS.

Size: px
Start display at page:

Download "WHEN IT COMES TO CLOSING LOANS, WE MEAN BUSINESS."

Transcription

1 WHEN IT COMES TO CLOSING LOANS, WE MEAN BUSINESS. Expand your business with one of America s fastest-growing home lending teams. Eric Goren, Calabasas Miguel Montelongo, Sherman Oaks Jill Hinkey, Roseville Maurice Charley, Concord

2 NOTHING GETS BETWEEN US AND CLOSING YOUR LOAN. I started working for Banc Home Loans in 2013 and thanks to the support and commitment from our team, my branch has reached new heights.. - Joseph Sanchez Branch Manager Banc Home Loans is an innovative and entrepreneurial mortgage lender led by industryleading professionals and top producers that understand the business from your perspective. Our team has applied their experience and insight to creating a production platform that provides you with streamlined lending loan processes, innovative lending products, and excellence in operations, onboarding and marketing. At Banc Home Loans, we are committed to providing you with the tools, support and game-changing culture necessary to grow your business and thrive in virtually any market cycle. 5, , Home Loans (units) Loan Production Offices Since joining Banc Home Loans in early 2015, I ve been impressed with the ease of transition. I ve been given the tools I need to succeed, and have been a part of many community outreach events. We are competitive on rates and fees, and bring a wealth of knowledge to our borrowers that they appreciate. 1.2B B 2014 Home Loan Volume (in billions) - Jackie Danis Loan Officer Loan Officers and Support Staff JOIN ONE OF AMERICA S FASTEST-GROWING HOME LENDERS. Since 1941, Banc Home Loans, a division of Banc of California, N.A, (NYSE: BANC) has provided home loans to individuals throughout California, the West and across the nation. With over $6 billion in assets and more than 100 locations in California and throughout the United States, we pride ourselves on being large enough to meet all our clients needs yet small enough to care and serve them well. Our strong balance sheet, deep community roots and commitment to lasting and meaningful relationships are the foundation of a long record of success in growing homeownership. Banc Home Loans is one of the fastest-growing home lenders in the country. We focus on expanding opportunities for homeownership and our lending products are available nationwide. 2

3 PRODUCTS MORE WAYS TO SAY YES! When it comes to getting your client the right mortgage at the right price, we say: Game on! Being able to offer Fannie, Freddie, FHA & VA loan programs with no overlays, as well as quality in-house Portfolio Loan Programs and JUMBO financing options, has given me tremendous confidence when I m out in the field generating new business. I m grateful every day and excited to be a part of such a quality organization with such great vision! - Jack Reininga Loan Officer LOAN FULFILMENT PLATFORM Delivering Fast & Easy Closings Banc Home Loans offers you, your referral partners, and your borrowers a comprehensive suite of conventional and flexible portfolio mortgage lending programs unmatched in our industry, accommodating virtually all financial needs and scenarios at all pricing levels. Flexible Portfolio Lending Standard Documentation Program Alternative Documentation Programs: - 1-Year Tax Return - 12 Months Bank Statements - Asset Income Expanded Criteria and Second Chance Programs: - Little to no waiting time to get back in the market following a foreclosure, short sale, deed-in-lieu or even bankruptcy (certain restrictions apply) Conventional Lending FNMA, FHLMC, GNMA Direct Jumbo/Non-conforming FHA, VA, CalHFA, USDA Renovation Lending: 203(k), FNMA HomeStyle, Construction Lending DPA/Bond Programs Home Equity Line of Credit (HELOC) Reverse Mortgages Niche Products Cloud-based tools allow Loan Officers to research, compare, prequalify and launch loan process on-site All loans are tracked in real time for status, communication and problem-solving On-site underwriting brings lending decisions into the community Average purchase close time in 30-days or less Banc Home Loans technology team is dedicated to lending only 30 DAYS OR LESS AVERAGE CLOSE TIME NOTHING GETS BETWEEN US AND CLOSING YOUR LOAN! 3

4 SERVICE & SUPPORT AN EXPERT TEAM SUPPORTING YOU EVERY STEP OF THE WAY. Exceptional Service Banc Home Loans branches are staffed by exceptional lending professionals and support staff dedicated to streamlining the entire lending process using decentralized, regional fulfilment. This includes experienced Area and Branch Managers, Processors, Underwriters and Funders to serve your needs and guide you and your borrowers through the financing process with coaching, rapid response problem solving, and prequalifications. Our approach is centered around: Offering more flexible lending programs Simplifying the lending process Transforming positively the home lending experience for both borrowers and real estate partners Holding ourselves to an ethical code and best practices that ensures integrity and professionalism in every interaction 96% of our clients indicated that they would refer us to family or a friend. Dedicated Onboarding and Acclimation Team From the moment you commit to joining Banc Home Loans, our Onboarding and Acclimation Team expedites the process and minimizes the time it takes to move you from the hiring and orientation process to originating and funding loans. Our process includes oneon-one systems, technology and marketing support to ensure a smooth and successful transition with minimum downtime. Comprehensive Employee Benefits Our employees are our most valuable assets and we are committed to providing a comprehensive benefit program that helps each individual feel secure, stay healthy, and maintain a positive work-life balance. Our outstanding company benefits package includes full Medical, Dental, Vision, Flexible Spending Account, matching 401K Plan (100% vested in the first month), and more. I m constantly impressed with the underwriting, doc department and funders. They all go above and beyond, which means more successful transactions and happy borrowers, which enables me to grow my client and realtor list. - Clark Gilbertson Loan Officer 4

5 PRESIDENT S CLUB WE RECOGNIZE AND REWARD TOP PRODUCERS. Loan Officers who earn President s Club and Top Producer status also receive an all-expenses paid trip for two to exciting resort destinations, including the Big Island of Hawaii and the Riviera Maya on Mexico s Caribbean Coast. EXCLUSIVE SERVICE Top producers also receive a higher level of both customized and expedited marketing services. COMMUNITY TEAM PLAYERS INVESTED IN YOUR COMMUNITY. Banc of California, along with Banc Home Loans, is redefining what it means to be a community-oriented bank by demonstrating that community isn t just based on geography, but upon the engines of enterprise such as education and homeownership, working together to help lift communities up and make them stronger. That s why we ve launched the Banc of California Foundation, reaching out to proven leaders and local causes with a commitment to building stronger communities through affordable housing and homeownership, financing small businesses and financial literacy/education. CALIFORNIA SPIRIT Thanks to our partnerships with colleges and universities, Banc of California has distributed over 20,000 sports event tickets along with financial literacy education workbooks to children and young adults in underserved communities. Official Banking Partner of SDSU Athletics Official Mortgage Company of USC Athletics 5

6 Loan Officer Previously known as PacTrust Bank, Home Mortgage, Banc Home Loans, has been a trusted, friendly, and reliable mortgage lender since 1969, and has always prided itself as being a high-touch, service oriented company with our clients needs in mind. This allows us to provide fully-facilitated direct lending from expert mortgage professionals working in the neighborhoods they serve. From loan processing through underwriting to final loan funding, this dedicated approach means Fast Decisions, Processing and Closing in the shortest amount of time. Tim Cooper NMLS: Branch Manager T Tim.Cooper@banchomeloans.com 2015 Banc Home Loans, a division of Banc of California, N.A. All Rights Reserved. Member FDIC. Not all applicants will qualify. Rates, points, APR s and programs are subject to change at any time until locked-in. NMLS # year Tax Return 12-month Bank Statement Asset Income No Tax Returns - Income Based on Deposits No Tax Returns - Loan Based on Assets 660 FICO - Short Sales + Bankruptcy OK (HELOC) Program Conforming / Conforming Jumbo Non-conforming Jumbo to $2M Home Equity Lines on purchases available NMLS: Senior Loan Officer T Richard.Graeff@banchomeloans.com MARKETING INNOVATIVE MARKETING TO SUPPORT YOUR SUCCESS. MORE TOOLS MEANS MORE DEALS. We are committed to marketing side-by-side with our real estate partners, and we are always looking for new ideas and tools to boost production. For that purpose, the Bank has built an in-house marketing agency managed by awardwinning professionals to develop and support integrated marketing campaigns. Marketing Tools & Technology Banc Home Loans marketing team provides both the tools and technology to create consistent co-branded awareness with high-quality, automated marketing that drives relationships and referrals taking your business to new heights. Tradeshow Booths PERSONALIZED, AUTOMATED MARKETING & CRM PLATFORMS CUSTOM WEBPAGE & TEMPLATES Medium-Scale 10 Solid-Wall Display Booth Marketing Solutions High-quality automated marketing and lead generation For Use In 10 x 10 Event Space May be borrowed based on availability Display Booth Includes: Reduced sized version of the 20 booth Standard background graphics (as shown) 46 Plasma display for video/ppt presentations Overhead lighting Custom Plush Carpet Interactive Spin to Win Wheel - Onsite contests to generate leads Personalized Loan Officer websites connected to LOS, social media Lead Time: Please reserve at least 2 months in advance. If custom graphics are required lead time may increase. Contact Marketing for additional information. On-demand marketing, direct mail, marketing library, presentation decks, product sheets, marketing templates Co-branded marketing and advertising campaigns Custom Graphics: Not included. Contact marketing for quote Rate sheets and s with information tailored and helpful to agents Open house flyers Concierge Marketing Support for members of our President s Club Shipping & Handling: Setup requires third-party vendor. Costs to and from event charged to cost center. Contact marketing for quote on freight, labor, show services and other fees. Cost for Use: Requires third-party event management company. Budget $10-15k per event. Includes staffing, show services, freight and management fee. Standard Configuration TRADESHOW BOOTH & EVENT BANNER Cynthia Lowary - Residential Lending NMLS# FOR INTERNAL USE ONLY 5 Have You Recently Had A Foreclosure or Short-Sale? Join Us To Find Out How You Can Be A Homeowner Again! Cynthia Lowary, Loan Officer for Banc Home Loans, a division of Banc of California, N.A. invites you to join us for a 1-hour presentation for buyers with less than perfect credit to show you how our flexible Portfolio Lending Programs can give you the opportunity to purchase a new home. Join Cynthia to see how programs like the Expanded Criteria Program can provide a path of homeownership to those who are well qualified from an income and down payment standpoint, but are not currently eligible for financing due to a short sale, foreclosure, deed-in-lieu, or even bankruptcy in their history. We ll be covering the following topics: Expanded Criteria and our other Portfolio Lending Programs Who Is Eligible? How Long Does It Take To Qualify? What If I Have A Bankruptcy? Get a fresh start for a new year! RSVP Today to reserve your seat at this timely and important presentation. With home prices on the rise, now is the time to see how Banc Home Loans can help put you back on the path to homeownership. Saturday, Jan. 18, :00-3:00pm PST Please RSVP Today: New Horizons Real Estate San Pablo Ave., Suite 108 El Cerrito, CA Light Food & Beverages Will Be Served Banc Home Loans - Now Open Chico Hailie - Director of Advertising Office: New Horizon11100@gmail.com REX Homebuyer approved lender Come Speak With Our Experienced Lending Team New Portfolio Lending Programs only from Banc Home Loans Standard Documentation Program Alternative Documentation Programs Loan Amounts up to $4M Bank Statement Program - Substantial Assets Program - 2nd Chance Program - Expanded Criteria Loan Program Home Equity Line of Credit Conventional Lending Products Also Available: Richard Graeff Banc Home Loans - Walnut Creek Office 2121 N. California, Ste. 625, Walnut Creek, CA T Banc of California, National Association, dba Banc Home Loans. All rights reserved. NMLS# Wall Street, Chico, CA OSI EXPRESS: OPEN HOUSE FLYER CREATOR & CUSTOM FLYERS INTEGRATION WITH LEADING SOCIAL MEDIA PLATFORMS 6

7 TOP 10 REASONS TO JOIN BANC HOME LOANS 1 Wide array of lending products and access to unique deposit products for full banking relationship opportunities 3 Local and regional fulfillment and support 5 Recognition programs and growth opportunities 7 Free marketing tools for drip campaigns and referral marketing 9 The backing and stability of tier-one bank and bank-owned mortgage company 2 Direct seller/securitizer with ability to set guidelines and underwrite 4 Nationwide lending 6 Access to lending data for marketing insight and guidance 8 Outstanding benefits package, including full medical, FSA, 401K and more 10 Onboarding, training and acclimation support WE BELIEVE We believe in expanding homeownership, and investing in communities. We believe our clients deserve fair and simple lending products. We believe in exceptional service. We believe our clients deserve access to decision-makers and management. We believe in simplifying our clients financial lives. We believe in making your American Dream possible. WE ARE PROUD TO BE BANC HOME LOANS. 7

8 LIVE LEND AT THE TOP OF YOUR GAME. Our team at Banc Home Loans is 100% committed to helping you grow your business, and excel in your career. We believe in your success and we are committed to providing you with all of the resources and support you need to deliver an exceptional mortgage experience and achieve your goals. Come join us. Ted Ray Managing Director, Banc Home Loans Ready to learn more? us at today. Thank you for your interest in Banc Home Loans. banchomeloans.com 2015 Banc Home Loans, a division of Banc of California, N.A. All Rights Reserved. NMLS# Member FDIC. Equal Housing Lender. EQUAL OPPORTUNITY EMPLOYER BHL11A061615

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

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

More information

Simplify your success.

Simplify your success. Simplify your success. CALIFORNIA S BANK $3.5 billion Assets 1,000+ Small Business Loans & Leases Top 100 SBA Bank Lender $5+ billion in Lending* 15,000 Accounts Serviced 1,000+ Employees 70+ Locations

More information

Simplify your success.

Simplify your success. Simplify your success. CALIFORNIA S BANK We are committed to building the top full-service bank serving California s diverse private businesses, entrepreneurs and homeowners. We loan out $1 for every $1

More information

Full Service Offices Lending Offices

Full Service Offices Lending Offices CALIFORNIA S BANK More than 90% of our loans are issued in California or to Californians. We loan out $1 for every $1 deposited, projected at over $5 billion for 2014. $5.5B Assets 1,000+ Small Business

More information

AIM HIGHER. Achieve More.

AIM HIGHER. Achieve More. AIM HIGHER. Achieve More. Built from a Different Point of View. Your point of view to be exact. As a direct lender designed and built from a Loan Officer s point of view, Summit Mortgage Corporation is

More information

The HomeBridge Difference

The HomeBridge Difference 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

More information

4 august 2015. For Great Jumbo Rates Call (650) 866-3000. Call today for information! Kathy Affeltranger 650-299-9477

4 august 2015. For Great Jumbo Rates Call (650) 866-3000. Call today for information! Kathy Affeltranger 650-299-9477 FIRST TIME TOURS indicated by OTD (Original Tour Date) TOUR SHEET DEADLINE is Monday at 11 a.m. 4 august 2015 The Tour Sheet is available ONLY to REALTORS who are MLS Subscribers. QTY: 6,000 OLD REPUBLIC

More information

HomeStreet Bank s. Preferred Builder Program

HomeStreet Bank s. Preferred Builder Program HomeStreet Bank s Preferred Builder Program Company Overview Key Facts and Statistics Oldest Fannie Mae Relationship in the United States HomeStreet, Inc. (NASDAQ:HMST) is a diversified financial services

More information

Sun West Overview. Privately Held Flexibility to respond to Customers needs. CONFIDENTIAL Sun West Mortgage Company, Inc.

Sun West Overview. Privately Held Flexibility to respond to Customers needs. CONFIDENTIAL Sun West Mortgage Company, Inc. Sun West Overview Headquartered in Cerritos, California - Sun West has been serving our nationwide client base since 1980. Our diversified loan program experience includes FHA Single Family, FHA Reverse

More information

LOAN OFFICER THE IFFG EXPERIENCE

LOAN OFFICER THE IFFG EXPERIENCE LOAN OFFICER THE IFFG EXPERIENCE VALUE PROPOSITION A t Integrity First Financial Group we all rally around the guiding principal that as teammates we should give every client the best loan possible without

More information

1-866-667-6724 Where homeownership education takes flight!

1-866-667-6724 Where homeownership education takes flight! 100% Financing Options for CalPERS Members Thank you for attending We will begin in a moment Class Scheduled to begin at 10:00am Homeownership Educator Scott Schang Branch Manager Broadview Mortgage Corporation

More information

1-866-667-6724 Where homeownership education takes flight!

1-866-667-6724 Where homeownership education takes flight! 100% Financing Options for CalPERS Members Thank you for attending We will begin in a moment Class Scheduled to begin at 10:00am Homeownership Educator Scott Schang Branch Manager Broadview Mortgage Corporation

More information

Branch Opportunity: The IFFG Experience

Branch Opportunity: The IFFG Experience Branch Opportunity: The IFFG Experience Value Proposition At Integrity First Financial Group we all rally around the guiding principal that as teammates we should give every client the best loan possible

More information

HOMEBUYER S MORTGAGE GUIDE

HOMEBUYER S MORTGAGE GUIDE WWW.WINTRUSTMORTGAGE.COM WINTRUST.COM/MYHOME HOMEBUYER S MORTGAGE GUIDE HELPFUL INFORMATION ABOUT THE MORTGAGE PROCESS TO GUIDE YOU AS YOU PURCHASE YOUR NEW HOME. www.wintrust.com/myhome WHY WINTRUST?

More information

Mason-McDuffie Mortgage Corporation

Mason-McDuffie Mortgage Corporation Mason-McDuffie Mortgage Corporation Since 1887, the name Mason-McDuffie has been respected in the real estate industry. Mason-McDuffie was born in Northern California out of the visionary minds of Joseph

More information

Public Employee Mortgage Solutions (PEMS SM ) Loan Program

Public Employee Mortgage Solutions (PEMS SM ) Loan Program 1 Public Employee Mortgage Solutions (PEMS SM ) Loan Program Built On Knowledge, Commitment, and Trust Since 1988 Why Choose Land/Home Mortgage banker, in business since 1988 Licensed in 42 states Fannie/Freddie

More information

The Real Deal With Equity Resources

The Real Deal With Equity Resources 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.

More information

After I ve taken out a loan through SmartBiz, how do I access my SmartBiz account?

After I ve taken out a loan through SmartBiz, how do I access my SmartBiz account? Business lending powered by SmartBiz FAQs: What is SmartBiz? What are the SmartBiz benefits I receive as a Sam s Club member? Do I need to be a Sam s Club member to receive the member discount on SmartBiz

More information

www.afrmortgage.com 1-800-316-9508

www.afrmortgage.com 1-800-316-9508 Intro To AFR www.afrmortgage.com Loan Status System Weekly Realtor Rates Custom Videos Realtor Resource Center www.afrmortgage.com 1-800-316-9508 American Financial Resources, Inc. has been in business

More information

Guide to Purchasing a Home

Guide to Purchasing a Home Your journey to homeownership starts at your credit union. Purchasing your first home is a big decision, and it may even seem overwhelming. Rest assured Beacon Credit Union is here to assist you in understanding

More information

YOUR GUIDE. To Home Ownership

YOUR GUIDE. To Home Ownership YOUR GUIDE To Home Ownership FIRST TIME HOMEBUYER? There Are Many Advantages of Home Ownership Home ownership is one of life s major events, and it provides some unique personal and financial rewards.

More information

Mortgage Business Management Questionnaire

Mortgage Business Management Questionnaire Mortgage Business Management Questionnaire Name: Company: Date: 1. Produce and submit and formal resume for yourself and any other managers. Objective should be something like help other loan officers

More information

CITY OF PERRIS HOUSING DIVISION 135 N. D STREET, PERRIS, CA 92570-220 TEL: (951) 943-5003 FAX: (951) 956-2179

CITY OF PERRIS HOUSING DIVISION 135 N. D STREET, PERRIS, CA 92570-220 TEL: (951) 943-5003 FAX: (951) 956-2179 CITY OF PERRIS HOUSING DIVISION 135 N. D STREET, PERRIS, CA 92570-220 TEL: (951) 943-5003 FAX: (951) 956-2179 HOMEBUYERS ASSISTANCE PROGRAM F.A.Q S for Buyers What is the Homebuyer Assistance Program (HAP)?

More information

How we shine. How can we help you shine is more than a tag line; it s our unparalleled commitment to both clients and teammates.

How we shine. How can we help you shine is more than a tag line; it s our unparalleled commitment to both clients and teammates. How we shine At SunTrust Mortgage, we ve helped millions of clients realize their dream of homeownership, an accomplishment we take great pride in. How have we consistently achieved such an impressive

More information

OPENING DOORS WITH OUR RESIDENTIAL LENDING

OPENING DOORS WITH OUR RESIDENTIAL LENDING OPENING DOORS WITH OUR RESIDENTIAL LENDING We offer a wide range of options for homebuyers and homeowners looking to refinance. OPENING DOORS WITH OUR RESIDENTIAL LENDING THE FINANCING SOLUTION YOU SEEK.

More information

Perl Mortgage - The Next Big Thing

Perl Mortgage - The Next Big Thing 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 Leadership begins

More information

5 Common Types of Home Loans

5 Common Types of Home Loans 5 Common Types of Home Loans Copyright 2015 Platinum Home Mortgage Corporation All Rights Reserved Feel free to email, tweet, blog, and pass this ebook around the web, but please don t alter any of its

More information

Community bankers. regulatory environment. grow mortgage revenue. in today s ever-changing, helping community banks

Community bankers. regulatory environment. grow mortgage revenue. in today s ever-changing, helping community banks Community bankers helping community banks grow mortgage revenue in today s ever-changing, regulatory environment. We re community bankers just like you. Triumph Mortgage partners with community banks of

More information

Who We Are. www.branchsouthwest.com / 2015 Southwest Funding, LP, All rights reserved

Who We Are. www.branchsouthwest.com / 2015 Southwest Funding, LP, All rights reserved Who We Are Established in 1993 Based in Dallas, Texas Mortgage branching since 1999 Privately held Mortgage banker offering FHA, VA, USDA, HECM, Non-QM, Conventional, Jumbo INC Magazine fastest growing

More information

Preparing for homeownership

Preparing for homeownership Preparing for homeownership What we ll cover 1. Getting ready for homeownership 2. Mortgage basics 3. What you need to buy a home 4. Finding the right home 5. Resources 2 Getting ready for homeownership

More information

We can now say that our loan products can meet the full spectrum of homebuyers to those who meet the qualifications.

We can now say that our loan products can meet the full spectrum of homebuyers to those who meet the qualifications. Rhode Island Housing Rhode Island Housing mortgages: More than just for first-time homebuyers Homeownership: Empowering New Buyers Page 1 of 3 Rhode Island Housing Mortgages: More than just for first-time

More information

An Introduction to CalSTRS, CalPERS and CHDAP Loan Programs Homeownership Education Workbook and Notes

An Introduction to CalSTRS, CalPERS and CHDAP Loan Programs Homeownership Education Workbook and Notes An Introduction to CalSTRS, CalPERS and CHDAP Loan Programs Homeownership Education Workbook and Notes Slide 1 An Introduction to CalSTRS, CalPERS & CHDAP Homebuyer Programs We will begin in a moment Homeownership

More information

HOMESTYLE RENOVATION. Look at the possibilities

HOMESTYLE RENOVATION. Look at the possibilities HOMESTYLE RENOVATION Look at the possibilities HOMESTREET: WHO ARE WE? Based in the Northwest, HomeStreet Bank if one of the largest community banks in the Northwest and Hawaii. HomeStreet began in 1921

More information

For your convenience, we can schedule an appointment at one of our offices or by telephone whichever is most convenient for YOU!

For your convenience, we can schedule an appointment at one of our offices or by telephone whichever is most convenient for YOU! Dear Client, Thank you for allowing me to provide you with information regarding s mortgage lending programs and services. Please take your time and review the enclosed material. If you have any questions,

More information

Welcome Home Loan Guide

Welcome Home Loan Guide Welcome Home Loan Guide Introduction Our Welcome Home Loan Guide provides valuable information that will help you become a more informed home loan customer whether you re buying your first home or building

More information

UPDATED Home Loan Options for CalPERS Members Homeownership Education Workbook and Notes

UPDATED Home Loan Options for CalPERS Members Homeownership Education Workbook and Notes UPDATED Home Loan Options for CalPERS Members Homeownership Education Workbook and Notes Slide 1 UPDATED Home Loan Options for CalPERS Members Thank you for attending We will begin in a moment Class Scheduled

More information

THE QUESTION emerges: WHY WORK ANYwhere ELSE?

THE QUESTION emerges: WHY WORK ANYwhere ELSE? Banking Unusual THE QUESTION emerges: WHY WORK ANYwhere ELSE? CONTENTS HISTORY Peoples Today CULTURE Values Awards PRODUCTS & PRICING Product List Pricing Structure SUPPORT TEAMS Mortgage Operations Capital

More information

ABILITY TO REPAY AND QUALIFIED MORTGAGE UNDERWRITING REFERENCE

ABILITY TO REPAY AND QUALIFIED MORTGAGE UNDERWRITING REFERENCE ABILITY TO REPAY AND QUALIFIED MORTGAGE UNDERWRITING REFERENCE October 29, 2014 In case of any queries regarding the information available in this guide, please reach us at qmteam@swmc.com. Sun West Mortgage

More information

Capital Choice Mortgage Solutions. Getting Started

Capital Choice Mortgage Solutions. Getting Started Capital Choice Mortgage Solutions Our Philosophy: At Capital Choice Mortgage Solutions we try to do what's right for our clients one hundred percent of the time. We will keep you informed throughout the

More information

HOME BUYING LOAN SOLUTIONS

HOME BUYING LOAN SOLUTIONS HOME BUYING LOAN SOLUTIONS A Guide to Realizing Your Dream Home Every homebuyer is unique, so are we. Our goal is to provide education and guidance to ensure that our clients understand the lending process

More information

CityLIFT Oakland/East Bay Program Overview Non-Approved Lender Participation Application

CityLIFT Oakland/East Bay Program Overview Non-Approved Lender Participation Application CityLIFT Oakland/East Bay Program Overview Non-Approved Lender Participation Application DUE BY: Monday, December 23, 2013, 5:00 pm. Dear Lender: The Unity Council Homeownership Center (TUC HOC) is administering

More information

Headed Home. First-Time Homebuyers Guide. McClellan Texas R egion

Headed Home. First-Time Homebuyers Guide. McClellan Texas R egion Headed Home First-Time Homebuyers Guide McClellan Texas R egion On Your Way to Your First Home? Buying a home is a big step. Choose a home and financing program that s right for you. Look into various

More information

Consolidated by Commercial Bank Schedule D Loans Origination

Consolidated by Commercial Bank Schedule D Loans Origination 6/30/2015 (a) First mortgage FHA-15 yrs 138 $ 13,642 $ 9 $ 11 3.36 (b) First mortgage VA-15 yrs 25 3,422 1 5 3.30 (c) First mortgage conventional conforming 15 yrs 508 57,084 344 164 3.06 (d) First mortgage

More information

Tips for First Time Home Buyers

Tips for First Time Home Buyers Tips for First Time Home Buyers Thinking about buying your first home? Andrew L. Jaloza & Associates will help you understand the process of home ownership so you can make informed decisions about your

More information

We help local government make and maintain responsible investments in affordable homeownership. a program of Hello Housing

We help local government make and maintain responsible investments in affordable homeownership. a program of Hello Housing We help local government make and maintain responsible investments in affordable homeownership. a program of Hello Housing 1 the conducting, supervising, or managing of something; especially: the careful

More information

WE WILL BUY YOUR HOUSE FAST!

WE WILL BUY YOUR HOUSE FAST! Who Are We? Homes Re-Imagined is a full service professional real estate solutions company located in the Northern Virginia area. Founded in 2014 as a family enterprise by John P. Bradford and Dorann Bradford,

More information

Eagle Home Mortgage

Eagle Home Mortgage Our Growth, Your Opportunity Committed to Seeing You Home Now more than ever, people need a partner and an advocate dedicated to guiding them through the financing process, removing obstacles and making

More information

Idaho Housing and Finance Association s Empowering New Buyers

Idaho Housing and Finance Association s Empowering New Buyers Idaho Housing and Finance Association Affordable Homebuyer Financing without MRB s Idaho Housing and Finance Association s Empowering New Buyers Affordable Homebuyer Financing without MRBs (Multiple Secondary

More information

Step-by-Step Home Mortgage Steps

Step-by-Step Home Mortgage Steps 1 Applicants with a good credit report will be in a stronger position to negotiate best rate and terms Your credit report is used by banks and other lending institutions to determine your creditworthiness.

More information

HOMEPATH BUYERS GUIDE WWW.HOMEPATH.COM

HOMEPATH BUYERS GUIDE WWW.HOMEPATH.COM HOMEPATH BUYERS GUIDE WWW.HOMEPATH.COM Buyers Guide Buyers Guide For a Fannie Mae-owned Home Whether you re buying your first home or your fifth, the experience can be exciting, confusing, overwhelming

More information

8 CREDIT SCORE MANAGEMENT TIPS

8 CREDIT SCORE MANAGEMENT TIPS 8 CREDIT SCORE MANAGEMENT TIPS How to get your credit mortgage-ready Your credit score can affect your ability to get approved for a mortgage and may even help you get a better interest rate. This guide

More information

First American Nationwide Documents

First American Nationwide Documents First American Nationwide Documents Overview First American Nationwide Documents specializes in loan document preparation and electronic loan delivery services for the mortgage lending industry. We offer

More information

What Will Keep Me From Getting A Mortgage Right Now?

What Will Keep Me From Getting A Mortgage Right Now? What Will Keep Me From Getting A Mortgage Right Now? Why can t I get a mortgage? Why was my mortgage application denied? What s keeping me from getting a mortgage right now? Page 2 of 11 What Will Keep

More information

A Strategic Approach to Residential Mortgage Lending

A Strategic Approach to Residential Mortgage Lending A Strategic Approach to Residential Mortgage Lending Presented by Tracy Jean Ashfield Strategic Mortgage Solutions The Consulting and Training Division of Prime Alliance Solutions, Inc. October 19, 2009

More information

Financial Institution Disclosure Form City of Minneapolis, Minnesota

Financial Institution Disclosure Form City of Minneapolis, Minnesota Financial Institution Disclosure Form City of Minneapolis, Minnesota Financial institutions which participate in or desire to participate in City of Minneapolis programs or the provision of banking services

More information

SOLUTIONS TODAY FOR TOMORROW S COMPLEX MORTGAGE INDUSTRY

SOLUTIONS TODAY FOR TOMORROW S COMPLEX MORTGAGE INDUSTRY SOLUTIONS TODAY FOR TOMORROW S COMPLEX MORTGAGE INDUSTRY SWBC Lending Solutions provides cost effective and compliant lending products for originators, loan servicers, and portfolio managers. Built off

More information

A mortgage is a loan that is used to finance the purchase of your home. It consists of 5 parts: collateral, principal, interest, taxes, and insurance.

A mortgage is a loan that is used to finance the purchase of your home. It consists of 5 parts: collateral, principal, interest, taxes, and insurance. A mortgage is a loan that is used to finance the purchase of your home. It consists of 5 parts: collateral, principal, interest, taxes, and insurance. When you agree to a mortgage, you enter into a legal

More information

Gulf Coast Florida Association of Mortgage Professionals Pinellas REALTOR Organization (PRO)

Gulf Coast Florida Association of Mortgage Professionals Pinellas REALTOR Organization (PRO) Presented By: Pam Marron Sponsored By: Gulf Coast Florida Association of Mortgage Professionals Pinellas REALTOR Organization (PRO) Pam Marron Innovative Mortgage Services, Inc., NMLS#246438 GulfCoast

More information

EASY KEYS FOR GUIDING THE FIRST-TIME HOME BUYER

EASY KEYS FOR GUIDING THE FIRST-TIME HOME BUYER EASY KEYS FOR GUIDING THE FIRST-TIME HOME BUYER EASY KEYS FOR GUIDING THE FIRST-TIME HOME BUYER Purchasing your first home can be an exciting process but it can also be scary and a bit overwhelming. Buying

More information

It s About Growing Your Business

It s About Growing Your Business It s About Growing Your Business Our Success is Measured by Yours Equal Opportunity Employer Page 1 - NMLS# 338923 Company Culture Voted Best of the Best by our employees Best Places to Work Award winner

More information

Home Equity Conversion Mortgage (HECM) for Home Purchase

Home Equity Conversion Mortgage (HECM) for Home Purchase Home Equity Conversion Mortgage (HECM) for Home Purchase A Guide to HECM s Home Equity Conversion Mortgage (HECM) for Home Purchase A Home Equity Conversion Mortgage for Purchase can be life-changing for

More information

Affordable Housing Partnership Housing Counseling Program

Affordable Housing Partnership Housing Counseling Program Affordable Housing Partnership Housing Counseling Program ORGANIZATION AND STAFF INFORMATION Name of Organization: Affordable Housing Partnership of the Capital Region Inc. 255 Orange Street Albany, New

More information

Your home financing process checklist

Your home financing process checklist Your home financing process checklist As you prepare to purchase a home or refinance your loan, it s important to know what to expect along the way. Here, we ve outlined some of the general steps in the

More information

UMB Mortgage Solutions. Home Buying 101

UMB Mortgage Solutions. Home Buying 101 UMB Mortgage Solutions Home Buying 101 1 Agenda Are You Ready to Buy a Home? Selecting a Lender Mortgage Loans Getting Started Home Checklist Purchase Contract Questions 2 Home buying Terms Mortgage Lender

More information

WE WILL BUY YOUR HOUSE FAST!

WE WILL BUY YOUR HOUSE FAST! Home Selling Guide Who Are We? ShapeUp Homes, Inc is a full service professional real estate solutions company located in San Antonio, Texas. ShapeUp Homes, Inc is proud to provide real estate services

More information

Welcome First-Time Buyers

Welcome First-Time Buyers Welcome First-Time Buyers A Guide to Financing Your First Home Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC is a

More information

Innovative Home Financing options that serve more borrowers: The Fresh Start Program is here!

Innovative Home Financing options that serve more borrowers: The Fresh Start Program is here! Innovative Home Financing options that serve more borrowers: The Fresh Start Program is here! There s never been a better time for a Fresh Start! Current segments of the market are not being served by

More information

How to Purchase Your First Home

How to Purchase Your First Home Young Alumni Network Webinar How to Purchase Your First Home Presented by: Mike Graves Residential Wholesale Mortgage What to consider when looking to buy your first home? 1. Long term investment: 5 years

More information

Fin 5413: Chapter 8 Mortgage Underwriting

Fin 5413: Chapter 8 Mortgage Underwriting Fin 5413: Chapter 8 Mortgage Underwriting Some Basic Mortgage Underwriting Questions Who should you grant a loan to? How do we determine the appropriate interest rate for a loan? What is the maximum dollar

More information

Ben Cohen. Your Expert Lender

Ben Cohen. Your Expert Lender Ben Cohen Your Expert Lender Guaranteed Rate s Story Guaranteed Rate was founded in 2000, and has since become one of the ten largest retail mortgage companies in the U.S. Since inception, Guaranteed Rate

More information

Please feel free to reach out to us at the following to receive more information: Erin Ciaravino, eciaravino@westloan.com, 936.521.2911.

Please feel free to reach out to us at the following to receive more information: Erin Ciaravino, eciaravino@westloan.com, 936.521.2911. Erin Ciaravino CRM & Marketing Specialist Weststar Mortgage Corporation 32310 Tamina Road Magnolia, TX 77354 Phone 936.521.2911 Email eciaravino@westloan.com To whom it may concern; We are excited to announce

More information

Which Home Loan is Right for You?

Which Home Loan is Right for You? Conventional Which Home Loan is Right for You? Minimum down payment: 3% for Primary Residences/ investors minimum of 20%, unless condo the down payment = 25% Co-Signers allowed in specific situations Options

More information

VA financing- Serving the homeownership needs of those who serve our country

VA financing- Serving the homeownership needs of those who serve our country VA financing- Serving the homeownership needs of those who serve our country Paul M. Carter Home Mortgage Consultant NMLSR ID 49022 Warwick City Hall Warwick, RI September 12, 2012 Agenda Current industry

More information

Introduction to PowerSaver For Virginia LEAP and Chapel Hill WISE

Introduction to PowerSaver For Virginia LEAP and Chapel Hill WISE Introduction to PowerSaver For Virginia LEAP and Chapel Hill WISE What You Will Learn Today Who is behind the PowerSaver loan Why PowerSaver loan was developed About Sun West and EGIA Loan Specifications

More information

Unsecured Business Lines of Credit

Unsecured Business Lines of Credit Unsecured Business Lines of Credit Need quick and substantial cash flow to your company, no matter its size or needs. With our funding, you will be able to ensure continued sustainable operations or implement

More information

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503 The Path Refinancing totalmortgage.com 877-868-2503 www.totalmortgage.com October 1 2012 The Path Refinancing Over time, many things change and need adjustment, and the reality is your home financing is

More information

INTERACT WITH CAPITOL FEDERAL

INTERACT WITH CAPITOL FEDERAL TALK with an Associate in Capitol Federal s Customer Service Center 888-8CAPFED. EMAIL your questions to Capitol Federal securely online at capfed.com/contact. VISIT any one of Capitol Federal s convenient

More information

Capital Mortgage Funding The Best Mortgage Banker

Capital Mortgage Funding The Best Mortgage Banker Capital Mortgage Funding The Best Mortgage Banker Capital Mortgage Funding, a Leader in the Mortgage Banking Industry, and one of the largest independent mortgage banking firms in southeast Michigan, is

More information

Top 2010 Business Drivers in Mortgage Origination. Andy Turner, Division Product Manager, Lending Solutions

Top 2010 Business Drivers in Mortgage Origination. Andy Turner, Division Product Manager, Lending Solutions Top 2010 Business Drivers in Mortgage Origination Andy Turner, Division Product Manager, Lending Solutions Overview Current lending landscape 2010 mortgage origination business drivers Business Drivers

More information

Who Are We? I Objectives I Rewarding Experiences I Strong Relationships I A Successful Company I Closing

Who Are We? I Objectives I Rewarding Experiences I Strong Relationships I A Successful Company I Closing As a Scotiabank Specialist you will be part of our National Mortgage Sales Team, Alternate Mortgage Delivery. This channel is a key component of Scotiabank's customer acquisition strategy. "As a channel,

More information

Pre-Approval: What It Means, and Why It s CRITICAL To Today s Home Buyer

Pre-Approval: What It Means, and Why It s CRITICAL To Today s Home Buyer Pre-Approval: What It Means, and Why It s CRITICAL To Today s Home Buyer This Free Report Provided by: This Free Report Provided By: 888.562.8634 www.churchillmortgage.com Company NMLS ID # 1591 (www.nmlsconsumeraccess.org);

More information

Homebuyer Education: What You Need to Know

Homebuyer Education: What You Need to Know Homebuyer Education: What You Need to Know Today s Objectives Prepare your finances for home ownership Steps to mortgage prequalification Shopping for a home- who are the major players? Choosing the correct

More information

Monthly Retail Mortgage Loan Bulletin

Monthly Retail Mortgage Loan Bulletin Monthly Retail Mortgage Loan Bulletin Product Analysis November 2009 Our Monthly Retail Mortgage Loan Bulletin is designed to provide our clients with the most current and accurate mortgage news available.

More information

Leadership begins with PERL

Leadership begins with PERL 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 Leadership begins

More information

2 First-time buyers want to skip the starter home. 4 Nearly all homebuyers are willing to make sacrifices

2 First-time buyers want to skip the starter home. 4 Nearly all homebuyers are willing to make sacrifices 1 Letter from D. Steve Boland, Consumer Lending Executive We are pleased to share the inaugural Bank of America, which explores the attitudes, behaviors and preferences of the modern homebuyer. One thing

More information

HOME BUYING MADE EASY. Live the dream of owning your own home.

HOME BUYING MADE EASY. Live the dream of owning your own home. HOME BUYING MADE EASY Live the dream of owning your own home. HOME buying Made Easy PNC, PNC AgentView and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ( PNC ). PNC

More information

VA LOANS. things you absolutely. need to know about. From chris birk, Home Loans. our national VA Loan expert and author of The Book on VA Loans

VA LOANS. things you absolutely. need to know about. From chris birk, Home Loans. our national VA Loan expert and author of The Book on VA Loans things you absolutely need to know about VA LOANS From chris birk, our national VA Loan expert and author of The Book on VA Loans Home Loans Veterans United Home Loans NMLS ID #1907 (www.nmlsconsumeraccess.org).

More information

Home Buyers. from application to closing. Derek Haley, Senior Loan Officer SunTrust Mortgage, Inc. 919.426.5023 Derek.Haley@SunTrust.

Home Buyers. from application to closing. Derek Haley, Senior Loan Officer SunTrust Mortgage, Inc. 919.426.5023 Derek.Haley@SunTrust. Information for First-time Home Buyers An overview of the mortgage process, from application to closing. Derek Haley, Senior Loan Officer SunTrust Mortgage, Inc. 919.426.5023 Derek.Haley@SunTrust.com NMLSR#

More information

HOME BUYING MADE EASY. Know what you need to get it right.

HOME BUYING MADE EASY. Know what you need to get it right. HOME BUYING MADE EASY Know what you need to get it right. HOME BUYING MADE EASY PNC, PNC AgentView and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ( PNC ). PNC has

More information

REALTORS Guide to FORECLOSURE RESOURCES

REALTORS Guide to FORECLOSURE RESOURCES REALTORS Guide to FORECLOSURE RESOURCES Federal & State Programs That May Help Those Facing Foreclosure Making Home Affordable Program Designed to assist families who may face foreclosure, the federal

More information

Royal LePage Signature Realty Florida Buying Guide

Royal LePage Signature Realty Florida Buying Guide Royal LePage Signature Realty Florida Buying Guide Since first breaking ground in Coral Springs, Florida over 60 years ago, WCI has built its business on the foundation of creating exceptional lifestyles

More information

Project 1: Loan Originator Business Plan RES 164 Residential Finance

Project 1: Loan Originator Business Plan RES 164 Residential Finance Project 1: Loan Originator Business Plan RES 164 Residential Finance Surviving and Thriving in Today s Residential Financial Market Learn the skills and tools to secure your future in the mortgage arena

More information

Cancer Patient Care Agencies Tom s Turkey Drive

Cancer Patient Care Agencies Tom s Turkey Drive The 2008 Annual Employee Auction topped all expectations by raising over $11,600 for Cancer Patient Care Agencies in Spokane, North Idaho, Wenatchee Valley and Tri-Cities areas. Numerica supports the annual

More information

Non Depository/Mortgage Institutions Schedule D Loans Origination

Non Depository/Mortgage Institutions Schedule D Loans Origination 6/30/2015 Total Number Amount Discount Weighted (1) First mortgage FHA-15 yrs 24 $ 2,165 $0 $ 15 3.95 (2) First mortgage VA-15 yrs 12 2,428 15 13 3.61 (3) First mortgage conventional conforming 15 yrs

More information

A Real Estate Investment Company. Home Selling Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1

A Real Estate Investment Company. Home Selling Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1 A Real Estate Investment Company Home Selling Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1 Who Are We? Arcane Properties is a full service real estate solutions firm that purchases and

More information

A GROWING NEED. A CUSTOM SOLUTION. A COMPANY YOU CAN TRUST.

A GROWING NEED. A CUSTOM SOLUTION. A COMPANY YOU CAN TRUST. A GROWING NEED. A CUSTOM SOLUTION. A COMPANY YOU CAN TRUST. EVERYTHING IS COMING TOGETHER FOR YOU AND YOUR CUSTOMERS. THE HOME EQUITY CONVERSION MORTGAGE (HECM) LENDING PLATFORM from Reverse Mortgage Funding

More information

Reverse Mortgage Facts & Answers to Frequently Asked Questions

Reverse Mortgage Facts & Answers to Frequently Asked Questions Reverse Mortgage Facts & Answers to Frequently Asked Questions Access Reverse Mortgage Corporation 1-888-340-0305 Toll-Free 2999 Tyrone Blvd N St. Petersburg, FL 33710 www.accessreversemortgage.com NMLS

More information

Pinnacle Capital. mortgage corporation

Pinnacle Capital. mortgage corporation Pinnacle Capital mortgage corporation Who We Are Our Core Values Today, mortgage companies are defined and evaluated by different criteria than in the past. Production numbers are still critical, but quality

More information