About-HomeBridge-National

homebridge.com

The HomeBridge Difference

Partners for the Path Ahead

People, Knowledge, Experience Operating Principles Customer-Centric Orientation

• Ourpeopleareourbestasset.Theyarewelltrained,knowledgeableandexperiencedsotheycanmakedecisionsquickly.

• HomeBridgecombinesthefinancialstabilityofalargecorporationwiththecompassionate,individualizedapproachofasmallbusiness.

•Wehaveuncompromisingintegrityandstrivetoexceedexpectationsinallwedo.

• Ourgoalisexcellenceinallwedo,includingdeliveringthehighestqualityproductandbestexperience.

•Wedon’tmerelyprocesstransactions,wehelpfamiliesacheivetheirdreamofhomeownershipandhelprealestateagentsandconstructionprofessionalsbuildthrivingcommunities.

• Personal,relevantandtimelyattentionarethehallmarksofourcommunicationprocess.

Continued Trend of Sustained Growth


Volume

2012–$4.9billion2013–$6.2billion2014–$6.4billion

Units

2012–21,2652013–26,0582014–26,725

Retail Branches

2012–592013–682014–104

Number of Associates

2012–1,1832013–1,2192014–1,248

Servicing Portfolio

2012–$4.98billion2013–$8.75billion2014–$12billion

2012

GROWTH

2013 2014

Production By Channel

RetailandConsumerDirect(46%)

Wholesale(48%)

Correspondent(6%)

Production By Product Type

Conventional(60%)

Government(40%)

2014 Production Recap


Production By Loan Type

Purchase(72%)

Refinance(28%)

Locations and Licensing

AZ

NV

CA

OR

ID

MT

WY

CO

AK

HI

TX

OK

KS

NE

SD

NDMN

IA

MO

AR

LA

MS AL GA

FL

SC

NCTN

KYVA

WV

OH

PA

NY

VTNH

ME

RICTNJDEDCMD

INIL

WI

WA

NM

MI


Corporate Headquarters – Iselin, New JerseyMorethan100branchesin28statesandWashington,D.C.

HomeBridgeisLicensedin47StatesandWashington,D.C.

StateswithaLicensedHomeBridgeBranch

StateswhereHomeBridgeisalsoLicensedtoProvideHomeLoansNoLicenseHeld

We aspire to be the most recommended home mortgage company in the country.


HomeBridge Financial Services, Inc. specializes in facilitating and securing home mortgage solutions. Our unique combination of speed, financial stability and custom solutions delivered by

professionals with deep industry knowledge has fueled our growth over the last 25 years.

At HomeBridge, we do something very special. We don’t merely process transactions, we help families achieve their dream of home ownership, we help real estate agents and

construction professionals build thriving communities.

We are known for our Customer Commitment. We believe our financial success is a direct result of our fanatical adherence to a core belief system, a culture of integrity in

everything we do. We celebrate our team’s unwavering commitment to support each other and delight customers every day with superior service.

MISSION:

VISION:


Peter Norden Chief Executive OfficerNearly40yearsexperienceinresidentiallending

FormerCEOofOpteumFinancialServicesandFirstTowneMortgage

ServesontheFannieMaeCEOAdvisoryBoard

Joel Katz PresidentMorethan20yearsinresidentiallending

FormerManagingDirectoratFortressInvestmentGroup,DirectorofMortgageFinanceatSalomonSmithBarneyandCEOofUnionPlantersMortgageCompany

Rick Floyd Executive Vice PresidentNearly25yearsofmanagement,salesandcoachingexperienceinresidentiallending

PreviouslyaPartneratOpteumFinancialServicesandSalesDirectoratFirstTowneMortgage

PastPresidentoftheMortgageBankersAssociationofGeorgia

Rick E. FloydExecutiveVicePresident

Office:678-304-5608

Cell:770-265-7760

E-mail:[email protected]


www.HomeBridge.com

Personalized Marketing Support

On Demand:

• Libraryofcustomflyersande-blastspersonalizedtoLoanOriginator

Database Driven:

• Automateddirectmailande-mailcampaignsforBusinessPartners,CustomersandFutureProspects

Interactive Sales Tools:

•Webbasedopenhouseflyercreationandmortgageplanningpresentations

New Media:

•Mobilemarketing

• Socialmediacampaigns

• Bloggingplatform

Customized Support:

• Grassrootscampaigns

• Eventmarketing

• Promotionalproducts

•Mediaoutreach

• Co-brandedmaterials

• Personalmarketingplans


Mortgage Loan OriginatorReginal Graham

[email protected]/reginalgraham

Peachtree City GA 30269200 Westpark Drive Suite 300

HomeBridge Financial Services, Inc.

866-590-6529 404-461-3172678-833-0432

FaxCellOffice

NMLS #230060

HomeBridge Financial Services, Inc. Corporate NMLS #6521. Georgia Mortgage Lender License 22495. Alabama Consumer Credit License 21077. South Carolina-BFI Mortgage Lender / Servicer License MLS – 6521. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend.

Web Presence

All licensed Mortgage Loan Originators have a personal page on

HomeBridge.com, featuring:

• Bio,photoandcontactinformation

• Onlineapplication

• Freeratequote/leadgenerationform

• Clienttestimonials

• Preferredpartners

• Personalizedblog

•Mobile-firstdesignstrategy

• Searchengineoptimized


Product Line

HomeBridgeisaFNMA,GNMAandFHLMCdirectissuer,whichallowsustogodirecttothesecondarymarketwithoutrelyingsolelyontheaggregators.Currently,HomeBridgesecuritizesaround90%ofallproduction.

Traditional Products:

• Conventional

• FHA

• VA

• FixedandAdjustableRates

• JumboandSuperJumbo

• ReverseMortgage

• USDAFinancing

• SecondHomeorInvestmentProperties

Niche Products:

• FHA203(k)and203(h)

• FNMAHomeStyle

• VA95%CashOut

• InterestOnly

•MixedUseorCommercial

• BondPrograms

• HomeBridgeHomeFixer

• EnergyEfficientMortgage


Broker Partners


Correspondent Partners


Renovation Lending

EachfileisassignedapersonalConciergewhoworkswiththefile

from start to finish


Common-sense approach toprocessing,underwritingandclosingrenovationloans

Aunique

“Renovation Concierge Service” assistssalesandoperationsassociates

•Productsalesandmarketing

•Operationalsupport(collectionofcontractordocs,

workwriteups,appraisals,etc.)

•Coordinatingtheentirepost-closingrenovationphase

Currentlythecountry’s

third largest HUD203(k)lender

WiththeRenovationConciergeTeam’shelp,HomeBridgeMortgageLoanOriginatorsareableto

expand their book of business

Takesthemysteryandthefear

out of Renovation Lending

Multiple Renovation Solutions: •FHA203(k)-StreamlineandConsultant

•FNMAHomeStyle

•HUD$100Down

•HomeBridgeHomeFixer

•“Automated”producteligibilityandbestexecutionloanpricing

•Open-Door Policyencouragesregularcommunicationtoaskquestionsordiscussscenarios

•Extended hours tocoveralltimezones

•Product helpdesksupportbyphoneore-mailtoassistLoanOriginatorsinfindingthebestproductforeachclient’ssituation

•Timely notificationasmarketconditionsimproveorworsen

Capital Markets


Lock and Shop Program

Realtor / Builder Advantages


Extended Rate Locks

Forward Commitments

Project Approval Services for FNMA and FHA

Site Coverage Terms

Up-front Underwriting

Underwriting Scenario Desk

•Disclosure,setup,processing,underwritingandclosingonaregionallevel

(mostbrancheshaveon-siteprocessing)

•Dedicatedunderwritingscenarioandexceptionhelpdeskbyphoneore-mail

•“Certified Processor” programexpeditestheclosingprocessbyvalidatingDU

approvalsandstreamliningtheclearingofunderwritingconditions

• Effectivecommonsenseunderwritingforsafeand sound lending

Operational Environment


Technology Platform

•Singleplatformloanoriginationsystem•Paperlessenvironment•“Lockonline”functionalitywithovernightprotection

•Electronicdeliveryofalldocuments• Initialdisclosureelectronicsignatures•SecureeFaxnumbers•Helpdesksupportviaweb,e-mailorphone


On-Boarding & Education

•Automatedon-boardingportalquicklyconvertscandidatesintoproductiveassociates

•Two-dayhands-onnewhiretraining

• Jobtutorialsandstep-by-stepguides

•Weeklyphonecallswithallnewhires

•HomeBridgeUniversity,anonlinee-learningenvironment

•Monthlytrainingwebinarsontopicslikethebrokeredloanprocess,LOSreporting,MicrosoftOffice,andmore


Human Resources

Benefit ProviderMedical Cigna

Dental CignaDental

Vision Cigna

FlexibleSpendingAccounts PrimePay

LifeInsurance Cigna

401(k)withCompanyMatch ThePrincipal

ShortTermDisability Cigna

LongTermDisability Cigna


Hear for Yourself

Gaindeeperinsightintoourculturewww.homebridge.com/videos

CheckoutRickFloyd’sweeklyvideoblogat

www.ChasingExcellenceBlog.com



HomeBridge annually recognizes its top producers from each division with a sales incentive trip. Winners and their guests enjoy exotic locations, adventurous activities, around-the-clock pampering and awards distinguishing them as the best HomeBridge has to offer.

The 2014 All-Star Team is headed to The Ritz-Carlton San Juan!

HomeBridgeFinancialServices,Inc.NMLS#6521.Thisisabusiness-to-businesscommunicationforusebymortgageprofessionalsonlyandisnotintendedfordistributiontoconsumersorthirdparties.Itisnotanadvertisement;assuchtermisdefinedinSection226.24ofRegulationZ.

©2014HomeBridgeFinancialServices,Inc.AllRightsReserved

HomeBridge Financial Services offers outstanding opportunities for

dedicated mortgage professionals. Contact us today to learn more about

why HomeBridge is the perfect place to begin or further your career.

About-HomeBridge-National

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