C R E S T I C O , I N C .

L o s A n g e l e s , C A

( 3 1 0 ) 3 4 8 - 7 8 7 8

w w w . c r e s t i c o . c o m

CRESTICO, INC. Since 2008, the name CRESTICO has been respected in the real estate & mortgage industry. CRESTICO was born in Los Angeles, CA out of the visionary minds of Mitra Karimi and Houtan Hormozian. Their legacy has been carried on to today. Having gone through various changes over the years, CRESTICO is as solid now as it has ever been. CRESTICO is independently owned and passionately operated by an experienced, honest and respected executive team, which supports its real estate & mortgage professionals to get transactions closed quickly and hassle-free for our team and their clients. Our strong balance sheet and stable history ensure that we will be here for the long haul so you can build your career with our team.

Dear Mortgage Professional:

Congratulations on your interest in expanding your potential, opening new possibilities, and trenching your influence across the nation! Historically, doing business in multiple states was an extremely costly proposition. Various state licensing fees and requirements have been major roadblocks for small shops looking to grow, and in order to comply with the various laws, a mortgage company would need its own legal department thus adding to the costs of such and undertaking. FRET NO MORE, because CRESTICO, INC. dba Crestico Funding has helped mortgage originators just like you; increase their revenues through our Real Estate & Mortgage Brokering Program!

Crestico Funding is ready to share its resources to self-generating, experienced loan officers.

Crestico Funding offers the most powerful compensation plan in the mortgage industry. You can make money from your personal production, team overrides and generational overrides. Our powerful team overrides allow you to increase your income exponentially.

Crestico Funding, an approved FHA and VA Lender, and has built its business using state-of-the-art technology. Relationships with national and local builders, vendors, customers and employees make for strong successful partnerships; and we have plenty! A positive reputation throughout the industry as a result of networking, supporting industry associations and published news articles has sustained our many and ever increasing business relationships.

Now there’s a reliable, tested, turn-key solution for expanding your company in days, not months, for a fraction of the cost.

It has never been more simple and inexpensive to expand your business – almost instantly. As you probably already know, the refinance business is slowing down. In order to survive, originators must take advantage and utilize every opportunity to fill their pipelines. Gain access to all the top-rated lenders using Crestico funding.

We’re excited to have you join our program. Please read and complete the following application as thoroughly as possible. For the fastest response, please mail in your application to the address above at your earliest convenience.

Page 1 of 3 www.CresticoFunding.com Tel: 855.799.LOAN

Who are we?

We are a team of young legal, real estate and mortgage banking professionals who have a passion for real estate and helping people. We want to change the face of real estate today! We’re sick of hearing about “shady” brokers and “thieving” loan officers. We are the change that we want to see in the image of mortgage professionals in 2013!

What will you get?

· Innovative mortgage products. · Behind-the-scene support. · Financial strength. · To stand apart from the competition.

Who are you?

YOU ARE:

· tired of being one of fifty or more mortgage loan officers working for 30-50% of your earnings at a FRANCHISED mortgage company

· intrigued by the idea of working with a couple of fun, dynamic, intelligent, and extremely modest young professionals to put a new brokerage on the map in exchange for a ridiculous commission split

· an experienced, professional, licensed mortgage professionals with an unparalleled drive to succeed and a proven track record of closing deals

· going to thrive on the freedom of being able to generate and pursue business from your home office with minimal hand-holding, while at the same time knowing that your supervising brokers are well-trained, properly affiliated, knowledgeable, patient, easy-going and always available for your questions or concerns

Advantages of your real estate career with Crestico Funding includes:

· A marketing services program designed for the custom needs of mortgage professionals · Training that emphasizes success strategies for your mortgage career · Leadership in applying technology to mortgage transactions · A partner dedicated to serving your professional sales needs · A helping hand in building and retaining business

Page 2 of 3 www.CresticoFunding.com Tel: 855.799.LOAN

Join a dynamic team in California! We are seeking qualified individuals for Mortgage Loan Originator (MLO) Positions. We offer FHA, VA, USDA, Conventional and Super Jumbo loan programs.

Crestico Funding is seeking MLOs bilingual in English and Spanish, to originate residential first mortgage loan products. This is a service-oriented job and you will strive to meet volume goals and provide superior levels of customer service.

FHA Approved Sponsored Lender State-of-the-art Technology & Loan Origination System No Start-up Fee, No Other Costs No Minimum Production (must remain active) No Desk Fee, No Franchise Fee In-house experienced Loan Processors ready to close your deals fast Incentive program for MLO referrals Local management availability and support Team atmosphere and a winning corporate culture Exceptional awards and recognition program State-of-the-Art website, technologies and processing for seamless transactions and a

competitive advantage Vast array of lenders and programs for residential and commercial loans Flexibility to work from home or your self-provided office Management opportunities for high achievers

Our available loan program and products include

FHA, VA, Reverse Mortgage, Conforming and High Balance Agency, Manufactured Housing, Construction, Agency, HARP, Jumbo, Super Jumbo and many other niche products.

Requirements

• At least two years of Full Time employment in mortgage origination • Outstanding understanding of the mortgage industry and your local real estate market • Excellent sales and consulting skills • Knowledge of FNMA, FHLMC and Government lending guidelines • PC literacy in Word, Excel, Email and the Internet • High School Diploma or GED

Page 3 of 3 www.CresticoFunding.com Tel: 855.799.LOAN

Dear Real Estate Professional:

Congratulations on your interest in expanding your potential, opening new possibilities, and trenching your influence across the nation! Historically, doing business in multiple counties was an extremely costly proposition. Various board and multiple listing service licensing fees and requirements have been major roadblocks for small shops looking to grow, and in order to comply with the various laws, a real estate company would need its own legal department thus adding to the costs of such and undertaking. FRET NO MORE, because Crestico Realty has helped real estate professionals just like you; increase their revenues through our Real Estate Brokering Program!

Crestico Realty is ready to share its resources to self-generating, experienced loan officers.

Crestico Realty offers the most powerful compensation plan in the real estate industry. You can make money from your personal production, team overrides and generational overrides. Our powerful team overrides allow you to increase your income exponentially.

Crestico Realty, an HUD approved broker, and has built its business using state-of-the-art technology. Relationships with national and local builders, vendors, customers and employees make for strong successful partnerships; and we have plenty! A positive reputation throughout the industry as a result of networking, supporting industry associations and published news articles has sustained our many and ever increasing business relationships.

Now there’s a reliable, tested, turn-key solution for expanding your company in days, not months, for a fraction of the cost.

It has never been more simple and inexpensive to expand your business – almost instantly. As you probably already know, the refinance business is slowing down. In order to survive, real estate professionals must take advantage and utilize every opportunity to fill their pipelines. Gain access to all the top-rated resources using Crestico Realty.

We’re excited to have you join our program. Please read and complete the following application as thoroughly as possible. For the fastest response, please mail in your application to the address above at your earliest convenience.

Page 1 of 2 www.CresticoRealty.com Tel: 855.799.HOME

Who are we?

We are a team of young legal, real estate and mortgage banking professionals who have a passion for real estate and helping people. We want to change the face of real estate today! We’re sick of hearing about “shady” brokers and “thieving” loan officers. We are the change that we want to see in the image of real estate professionals in 2013!

What will you get?

· Innovative real estate marketing products. · Behind-the-scene support. · Financial strength. · To stand apart from the competition.

Who are you?

YOU ARE:

· tired of being one of fifty or more real estate professionals working for 30-50% of your earnings at a FRANCHISED real estate company

· intrigued by the idea of working with a couple of fun, dynamic, intelligent, and extremely modest young professionals to put a new brokerage on the map in exchange for a ridiculous commission split

· an experienced, professional, licensed real estate professionals with an unparalleled drive to succeed and a proven track record of closing deals

· going to thrive on the freedom of being able to generate and pursue business from your home office with minimal hand-holding, while at the same time knowing that your supervising brokers are well-trained, properly affiliated, knowledgeable, patient, easy-going and always available for your questions or concerns

Advantages of your real estate career with Crestico Realty includes:

· A marketing services program designed for the custom needs of real estate professionals · Training that emphasizes success strategies for your real estate career · Leadership in applying technology to real estate transactions · A partner dedicated to serving your professional sales needs · A helping hand in building and retaining business

Page 2 of 2 www.CresticoRealty.com Tel: 855.799.HOME

Marketing is at the heart of our business, whether it is face-to-face meetings or real estate flyers. Crestico Realty welcomes new professionals to the company and has the experience to make the transition smooth.

Our Transition Package gets you up and running quickly, so there’s no down time in your business.

Easy conversion of your past client database Personal announcement letters and emails to past clients Press release to local business periodicals Business cards Personal web page Instant access to email and a personal email address Your personal information pre-loaded into our online flyer program Company brochure for clients Customized real estate flyer collateral Personal brochure template Customizable direct mail templates Email marketing campaign templates Signage and banners

Once you have joined the team, we make it easy for

you to market to your clients and referral sources.

A key component of providing quality customer service in today’s marketplace is the ability to combine technology with an experienced professional staff to create a fast and efficient real estate process. At Crestico Realty, we employ the latest in real estate and communication technology to ensure each team member and their customers’ experience is the best possible.

With the complexity of the typical real estate transaction and the number of people involved, it’s imperative that fast, accurate information is communicated throughout the loan process.

Remote Access – We equip our associates with cloud based system, making it easy to access their clients’ information from anywhere

Email – Robust email system CRM – Client Relation Manager Personal website – Each mortgage professional is given a personal website Client-Only website – Clients can log on to a secure page where they can fill out an

application Company Website – Clients can:

o Use calculators to estimate loan payments and closing costs o Check current rates o Find more detailed information about the lending process

Competitive Advantage

Products, Pricing and Service Our unbeatable combination of products, pricing and service ensure that your clients will be happy they choose you as their trusted advisor.

We close loans fast The greatest advantage we provide to our team members is our ability to close transactions in 30 days or less and still offer a wide range of loan choices to fit borrowers’ needs.

Full service mortgage professional support We provide you with a well-staffed, professional back office and the right tools so you can concentrate on your business while Operations supports your file.

Successful history We have a history of successfully supporting real estate professionals and ensuring that the best interests of the real estate professional and his/her clients is always top priority.

Compensation program Our compensation program ensures that our staff will remain with us and that you will be well compensated for your productivity.

5 Proven Ways MLO’s Can Double Their Business

If you want more loan business, it is out there. Are you ready to do the things necessary for this business? If you are, here are five proven ways to double your current business. Use one or all of them, but we want to help get your business going. 1. Get out of the office and see real estate professionals and business affiliates - I am sure you have heard this before, but go and see your real estate professionals. During the heyday back in 2005 and 2006 real estate agents were tired of seeing loan originators. Often times they were banned. Agents had one coming in every hour. Today the number of loan officers has shrunk by 70% and most never leave their offices. Why, there is more paperwork, and less time. Also, many Loan Officers are still under the impression that agents don’t want to or don’t need to see you. Today this is just not the case. Most real estate professionals want to be briefed on changes in the market rates and programs. They want to know how you can help them make sales, so be a good listener and ask questions on what their needs might be not what you have. The answers will surprise you. 2. Be the Expert – You need to be known as the person who is THE expert. How do you do this? You can try and get on a talk radio show about mortgages or investing and talk about mortgage loan products. You can write a newspaper piece explaining new mortgage products about to be introduced or are changing. A good example is HARP 2.0. This piece needs to be informative, timely, and newspapers (especially local small ones) need these kinds of articles, because they are NOT the experts and have space to fill. Also be an expert for local TV channels when they need information about mortgage lending because of some event will eventually happen in the market and they will need THE EXPERT. Each of these ways of doing business makes you THE expert, and potential customers will see you as such, and you will be branded as such. This will offer you an opportunity to get more exposure and loans. 3. Create Co-branded Websites for Your Agents – Make real estate agents HAVE to use you. If you supply them with business, then they MUST use you. Here is how you can do it. There are sites like MortgageCEO.com and others that will help you co-brand websites for your real estate professional. These can be SEO optimized to get people looking for real estate not branding their franchise’s name. This can offer several more leads a month and you and your real estate professional. These sites will supply the leads to both of you at the same time. This can be done cost free for your agent (if they will allow outside advertising on the site) or for a small monthly fee. Make sure to pass this by your real estate attorney, so it is RESPA compliant. If you get your real estate agent sales, how can they not send you the business, but if they don’t remember, “Whoever giveth can taketh away.” 4. Create Co-branded Flyers for Homes Your Agents List – Why not make an attractive and informative flyer for your listing agents that list the lowest down payment options and payments based upon a full sales price offer. Customers may not know that with these low rates the monthly payments can be very low. With this method you will obtain more leads for other homes, since multiple parties will look at the home, but not all will be a buyer of that home. Many will be interested in other homes, and call you for a pre-Qualification. They might like your terms and payments and give you a call for that another house. This will also give you the chance to work with another business affiliated real estate agent as well on the other house.

5. Call back signs to capture anyone looking at a house – There are several vendors that offer call back signs. With this method, you will place an 800 or local number unique for this home on top of the real estate agent’s “For Sale Sign”. Many people looking for homes do not want to call the agent until their interest is peaked and are ready to look in the home. Calling a number with a pre-recorded message describing the house is less threatening. These numbers offer another big feature. It gives you and your agent the number of the caller and the time they spent listening to the recording. Since they called you, the Do Not Call rules do not apply. Some systems can even unblock blocked cell phone numbers. You can tell callers about the importance of pre-qualifying for a mortgage loan, and by doing so, help your agent obtain a pre-qualified or pre-approved clients before contracting for the house. If the clients do not want this home, you and your real estate professional can still sell them another home, because you have captured the client. This will increase the sales rate for your real estate professional, as well as, give you more loan opportunities. This costs only a small monthly fee, and can set you apart as a professional who can help your real estate professional “Get the business”. The idea is to be someone who helps his business partners make more sales. By doing this you will become indispensable to anyone using you. You can then nicely demand that you would like to see business from other sources, so you can at least give the client a quote. Be indispensable!!! Crestico Funding believes in the Hedgehog concept. We want to improve your sales whether or not you come to work with us. We believe that helping others will come back and help us. We have many marketing tools and a full-time executive mortgage coach to assist you in growing your origination business. We want you to grow your business and will help you do so. All of these services, of course, are free to you just for being part of us. Think about it, if we are willing to help people who don’t work with us, just guess what we do for those who do. Crestico Funding is a licensed Mortgage Broker licensed in California with approval for both Forward and Reverse Mortgage loans. Get more information about becoming a loan originator or a branch manager for Crestico Funding by contacting Houtan Hormozian at (310) 933-4748 or via email houtan.hormozian@crestico.com You can also go to our website at www.crestico.com/careers We're eager to hear from you today and we can change tomorrow together.