A mortgage company dedicated to the needs of your transferees.

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1 A mortgage company dedicated to the needs of your transferees.

2 A mortgage experience designed around transferees needs. And yours. We have a simple mission: to make the mortgage process easy, convenient and stress-free, while meeting the specific needs of transferees. We do this by offering a winning combination of products, experienced relocation personnel, competitive rates and industry-leading service guarantees. At Cartus Home Loans, we re with your transferees every step of the way, from pre-approval to closing. We make it our job to find out their specific needs, and to provide superior products and services to meet those needs. And at the same time, we make the process easier for you, with a range of value-added services at no extra cost: from direct billing of closing costs, to mortgage buy-downs. The more we do, the less you have to worry about. Cartus Home Loans can help your transferees wherever they may be nationwide. Once your transferees loans are in process, they can get the answers they need online 24/7, or by calling our Relocation Center, where Loan Consultants who specialize in relocation are available to help during convenient, extended hours. We re so confident your transferees will experience superior service, we offer these industry-leading service guarantees: We will provide a same-day loan decision, or we pay them $250 We will meet their requested closing date, or we will reduce their interest rate by 1/8 of one percent for the life of the loan* A dedicated Loan Consultant is there for your transferees. From the first moment your relocating employee calls, they ll receive personal attention with a single point of contact, from someone who specializes in helping transferees obtain home loans. The process is exceptionally smooth: typically, transferees receive a loan approval decision in minutes. Then they are immediately sent a loan approval letter to facilitate their home search.

3 We offer unique resources to make the mortgage process go smoothly. Cartus Home Loans is the preferred mortgage provider for Cartus, the premier provider of global mobility solutions. Through this exclusive relationship, you will benefit from over 25 years of relocation mortgage experience, giving you and your transferring employees a complete and seamless relocation solution. Our Loan Consultants communicate directly with your relocation personnel, sharing information (with transferee permission) to ensure the process goes as smoothly as possible. A proprietary loan platform lets us provide some of the fastest answers in the industry. Automated policy systems ensure that our Loan Consultants give advice that is correct for your relocation policy. An added benefit of this synergy is our ability to provide competitive pricing that is up to.25% lower than market interest rates, with fees that are typically 25 30% lower than what is currently available and there are no add-on junk fees. We make the journey easier for employers, too. When we provide your transferees with superior service and mortgage products, it shows them that their move is important to you. As an employer, you benefit as well. Because Cartus Home Loans provides a range of value-added services at no extra cost to your company or your transferees, including: Direct billing of closing costs Company-sponsored interest rate buy-down helps transferees obtain a lower interest rate while having points billed directly to their employer. Mortgage subsidy programs the company pays a portion of the transferee's mortgage for a pre-determined amount of time. This program helps reduce the burden of high down payment requirements and is especially valuable for transferees moving into a higher-cost area. These services help alleviate transferees financial concerns about relocating which makes it easier for you to put the right people in the right place. Just one more reason why hundreds of companies continue to partner with us year after year. A range of loan products that makes the process easier. Whether your transferees want a fixed or adjustable rate, conventional, FHA or VA loan or even construction financing to build a new home our assortment of more than 150 mortgage and home equity products means that we can and will help them get the right loan for their situation. VIP 2 Processing makes the journey a simpler one. Our VIP 2 Program is the fast, easy and simple way to get a home loan. For employees who qualify, it s a unique way to speed through the mortgage process with the absolute minimum paperwork. For your company, it means transferring employees can spend less time on a mortgage, with less stress, so they can be more productive.

4 The end result: a more satisfying experience for all. Cartus Home Loans can be an invaluable partner in reducing the stress associated with moving to a new location. We re dedicated to making the mortgage experience simpler, faster and more convenient for you and your transferees. And we have the people and the products to do it. You and your transferees will benefit from our unparalleled experience working with mortgage relocation clients, and a customer satisfaction rate of 98%. We re licensed in all 50 states, working with over 650 Fortune 1500 companies and all three branches of the United States Federal Government. So tell your transferees to call us when they re about to relocate. It might be their most important move. If you have any questions, or want to learn the different ways we can help with your relocation mortgage program, call a Cartus Home Loans relocation specialist at (866) Why companies and transferees are so satisfied with Cartus Home Loans: Smooth process Full integration with Cartus Easy administration Wide range of products Industry-leading service guarantees *Approved, conventional, purchased loans only. Closing date to be mutually agreed upon between customer and us, and customer must provide all required documentation. Timely request for adjustment under guarantee is required. Cartus Home Loans f/k/a Cendant Mortgage, 3000 Leadenhall Rd., 3rd Floor, Mt. Laurel, NJ Arizona Residential Mortgage Licensee #BK ; Georgia Residential Mortgage Licensee #20292; Illinois Residential Mortgage Licensee #MB , 310 South Michigan Ave., Suite 2130, Chicago, IL 60604, ; Minnesota - This is not an offer to enter an interest rate lock-in agreement; Mississippi Registered Mortgage Company; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Licensed First Mortgage Banker by Pennsylvania Department of Banking; Rhode Island Licensed Lender. Licensed by the Virginia State Corporation Commission, Lic. No. MLB In Virginia, mortgage services provided by Cartus Home Loans, LLC. Equal Housing Lender.

5 To find out how Cartus Home Loans can help you with your relocation mortgage needs, call us today at (866)