{ We Are Partners

Promises Kept

People/Culture Communication Leadership Ownership/Stability Compensation Secondary Investors Streamlined Procedures

www.unionhomemortgage.com/careers

Appraisal Management Underwriting Technology Support Marketing Flexibility President’s/Union Clubs Senior Partner Society

Vast Experience Raving Fan Customer Service Camaraderie that sets us apart Passion Energy Code of Conduct We “Have fun, but get it done

on time” Speed

People/Culture

Constant Communication Daily Huddles for Departments Monthly Corporate Conference Calls GBSB Tour Stop Visits to Every Branch Twice per

Year Weekly/Monthly Training via Web-Ex and

Conference Call Sessions Communication in Technology

Communication

Profitable Every Year Correspondent Retail Lender with TPO

Wholesale Department Independent Ownership, Strong Net Worth No Corporate Debt President & CEO is Chairman of Mortgage

Bankers Association of America, Past President of OMBA, & Past MORPAC Chairman

Warehouse Capacity to Double Our Size

Ownership/Stability

Senior Management Team has been on staff for over 10 years, in the mortgage industry for over 20 years

Built for Loan Officers, by Loan Officers Constantly working on enhancements to

improve efficiency Strong producing ‘cornerstone’ Branch

Managers with incentive to build the business

Leadership

BPS Plans from 100 to 200 (most popular 125 to 150)

Minimum Commission Structures from 800 to 1,600

Maximum Commission Structures from 2,000 to 10,000

LO Compensation

Great Support Team Available for Assistance Over-Night Price Protection, even on

weekends

Secondary

We have relationships with all the top investors in the country including Freddie Mac (direct), Fannie Mae (direct), Ginnie Mae (direct), Wells Fargo, Franklin American Mortgage, New Penn Financial and EverBank offering Conventional, FHA, VA, USDA, Jumbo and Super-Jumbo loans. In addition, we support bond programs including OHFA, PHFA, MHDC, IHFA, NCHFA and CalHFA.

Conventional, FHA, VA, USDA, Jumbo, HFA

products

Investors

Efficient Loan Flow System (ELF) System Based on Speed and Efficiency The Closing Date Means Everything State of the Art Reporting for Loan Officers

and Internal Staff Automated Reminders Sales and Operations Work Cohesively Loan Officer Control Over Fulfillment Piece

Streamline Procedures

Direct Endorsed since 1971 with Billions Closed

VA LAPP Authority All Underwriters are cross-trained for all

products Similar Approach Risk Committee available to review files

prior to and after origination

Underwriting

Officers linked via securely encrypted Virtual Private Network (VPN)

Encompass 360 EPPS Pricing Engine Motivity Websites Web-Ex/Screen-Share Training Video Conferencing Platinum Support

Technology

Transitional Coordinator General Sales Manager (help desk,

transaction support) Vast Online Investor Library Pick up the phone, contact anyone at

anytime Answers when you need them Office On-Boarding Team Senior Management Emergency Response

Team

LO Support

Traditional Flyers & Brochures Customized Materials created for you with

no design cost Newsletters, Internal & External Automated Marketing System (View the

video here!) E-Business Cards Websites Presentation Material for first time

homebuyers, referral partners, affinity groups

Marketing Support

All Employees are Partners, engaged in the direction of the company

All Partners have a voice Need to be able to adapt quickly to invoke

positive changes The ability to recognize a better idea and

implement that idea

Flexibility

President’s Club: Top 15 Loan Officers Union Club: 16 through 30

Senior Partner Society: Over 25 members of

the staff, including many Loan Officers, have been with UHM for over 10 years!

President’s Club, Union Club, & The Senior Partner Society