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
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. 5,000+ 2012 10,000+ 2014 Home Loans (units) 24 2012 57 2014 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 2012 2.8B 2014 Home Loan Volume (in billions) - Jackie Danis Loan Officer 328 2012 652 2014 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
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
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
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
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: 508397 Branch Manager T 530-781-1700 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 #530611 1-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: 508444 Senior Loan Officer T 530-781-1714 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 EMAIL MARKETING & CRM PLATFORMS CUSTOM WEBPAGE & EMAIL 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, email marketing templates Co-branded marketing and advertising campaigns Custom Graphics: Not included. Contact marketing for quote Rate sheets and emails 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# 295272 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, 2014 2:00-3:00pm PST Please RSVP Today: New Horizons Real Estate 11100 San Pablo Ave., Suite 108 El Cerrito, CA 94530 Light Food & Beverages Will Be Served Banc Home Loans - Now Open Chico Hailie - Director of Advertising Office: 510-778-9556 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 94596 T 925-357-6954 www.banchomeloans.com 2013 Banc of California, National Association, dba Banc Home Loans. All rights reserved. NMLS# 530611 535 Wall Street, Chico, CA 95928 - www.banchomeloans.com OSI EXPRESS: OPEN HOUSE FLYER CREATOR & CUSTOM FLYERS INTEGRATION WITH LEADING SOCIAL MEDIA PLATFORMS 6
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
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? Email us at Recruiting@banchomeloans.com 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# 530611. Member FDIC. Equal Housing Lender. EQUAL OPPORTUNITY EMPLOYER BHL11A061615