Welcome To US!

Thank you for taking the time to learn about US. We love to share What We Do, How We Do It and most importantly WHY We Do It. Learn About what makes our #USCULTURE so special. At the end of the day it is all about YOU & US!

Transcript

1. YOU & US! #USCULTURE
2. WHAT IS #USCULTURE? An Empowered ‘lean startup’ style Culture that is Dynamic, Nimble, Gives Everyone a Voice, is Transparent and Supportive with a focus on US Serving You!
3. 3 Our Mission emPowers our #USCULTURE ‘Everyone Deserves A Roof Over Their Head’
4. 4 Our Core Values Are at the Heart of YOU & US
5. We Love Our Success Stories 50% of our Top Loan Officers Started Their Careers Here 100% of Managers Promoted from Within 100% of Division Managers created their Divisions here
6. 1. How #USCULTURE Empowers Your Growth Come Explore our Departments… (queue it’s a small world music)
7. Executive Team • We are laser focused on our Mission and live by our Core Values • Trust Our Experience with over 29-years of Growth and Stability – Its what being an Employer for Life is all about • Work for a nimble company with all the horsepower of a top 10 lender – let us Prove it! • We love investing in your growth! YOU & US
8. 100 Years of Stability with US Founder & CEO Steven A. Milner 29 Years with US ‘Milnerisms Author’ President Scott A. Milner 12 Years with US ‘Reformed I-Banker’ C.O.O. Marc Silvera 11 Years with US ‘Best In The Planet’ Treasurer Chris Bertman 8 Years with US ‘Hopeless Romantic’ C.M.O Ian Klein 10 Years with US ‘Man of Mystery’ VP Capital Markets Ira Selwin 15 Years with US ‘Best In Show’ C.T.O Mike Verambeck 13 Years with US ‘Ctrl-Alt-Del’ Chief Production Officer Nino Saso +34 Yrs. Industry ‘Hotel California’ YOU & US
9. Operations Team Act Reasonably… Is infinitely reasonable in our interpretation of Credit Guidelines Find Out Why… Promises that You Will Understand why decisions are made the way they are Consistency… Each Sales Team has Dedicated Staff including on-site Opening and Processing that Does not Change #USCULTURE
10. Want Your Loans Closed? US too ;) 1 2 3 YOU & US We Service ~$.5bln of Our Loans BETTER | FASTER | CHEAPER
11. Sales Management Never Lose… Tries to guarantee you never lose a loan due to rate / points / fees Kickstart… Hit the Ground Running and Stay Running Onboarding and Training Team We Know Who Our Client Is… It is YOU Silly 😉😉 and your Referral Partners and Borrowers of Course YOU & US
12. Sales Support Non-Producing Division Managers… Know Your Numbers… Deep guidance on your numbers via Tableau helps you plan for the future Loan Officer Marketing Club… Join US for our weekly best practices calls on Sales and Marketing #USCULTURE We are dedicated to your success. Working for you not with or against you
13. Marketing Team Automation Want us to manage your CRM & Mobile App – Want us to Automate Your Texting Campaigns We Get it – We Do It Speed, Innovation, Customization You need a custom built property website in an hour – It is Already Done Proprietary Lead System Build Your Business with Purchase Leads – Your Referral Partners Will Love You!
14. Capital Markets • We are actually open to change • We communicate directly with you! ◦ It is shocking we know ;) • We provide outlets to over 40 Investors including Fannie Mae & Freddie Mac direct ◦ You want a bond loan we got em’ #USCULTURE
15. Tech Team Focused only on increasing your Productivity • Dedicated LOS Team – We Make Encompass Fun & Fully Customized…Yes that is possible😉😉 • Cyber Security – yup, we got that covered • Business Intelligence team makes us all work smarter • Work from your home, your office, your pool, all good #USCULTURE
16. 2. Cool Things About US Well at least we think so 😉😉
17. +40,000 Whoa! That is a lot People We Have Helped Ok, we are bragging about fulfilling our Mission YOU & US
18. 28 Year History We Have Ridden All the Waves and have the gray hairs to prove it YOU & US
19. NV HI NH ME MA RI CT NY NJ PA DE MD VT WA OR CA ID MT WY UT AZ CO NM ND SD NE OK TX MN IA KS AR WI IL LA MI IN KY TN MS AL OH FL GA VA NC WV SC MO AK Licensed to Lend You Are Free To Lend Around The Country You & US
20. Aligned Causes to Support Our Mission #USCULTURE
21. Committed to Supporting Affordable Housing and Underserved Markets
22. You want a Digital Mortgage… We Have One Borrowers can sign Disclosures with their finger. Initial Docs & E-Closings. Se habla espanol
23. US ADVANTAGE PLATFORM BUYER ADVANTAGE SELLER ADVANTAGE PARTNER ADVANTAGE
24. BUYER ADVANTAGE  EARNEST MONEY DEPOSIT PROTECTION - UP TO $5K  MORTGAGE ON-TIME GUARANTEE - UP TO $1K  LOCK & SHOP PROTECTION - SHOP STRESS FREE  LONG TERM LOCKS - UP TO 180 DAYS  RATE DROP COVERAGE - NO LENDER FEE REFI (3 YRS)  E-CLOSING SPEED - FRICTIONLESS 15 MIN. CLOSINGS  KNOW BEFORE YOU SHOP - UPFRONT UNDERWRITE  3/2/1, 2/1, 1/0 BUYDOWNS - LOWER INITIAL PAYMENTS  ALWAYS IN THE KNOW - LOAN PROGRESS TRACKER  DOWNPAYMENT ASSISTANCE – STATE LEVEL LOANS  APPRAISAL WAIVERS – LEARN ABOUT FAST CLOSINGS
25. SELLER ADVANTAGE  SELLER PAYMENT PROTECTION PLAN – ONE MO. PITI TO $5K  E-CLOSING SPEED - FRICTIONLESS CLOSINGS  SELLER CONCESSIONS – EMPOWER YOUR BUYER THROUGH SELLER CONCESSIONS AND RATE BUYDOWN PROGRAMS  KNOW YOUR BUYER - UNDERWRITTEN PRE-APPROVALS  DYNAMO - LICENSED NATIONWIDE FOR A PURCHASE OR REFI  MARKETING PLATFORM - LET US HELP MARKET YOUR HOME
26. PARTNER ADVANTAGE QUALIFIED BUYER SUITE (QBS)  PROPRIETARY LEAD GENERATION FOR YOUR LISTINGS AND YOUR ENTIRE MARKET AREA  CUSTOM LANDING PAGES FOR YOUR LISTINGS IN IT TOGETHER – DEDICATED MARKETING TEAM  COBRANDED MOBILE APP  COBRANDED 5 YEAR MARKETING CAMPAIGNS  ALWAYS BE IN THE KNOW - LOAN LIFECYCLE TRACKER PUTTING YOU AND YOUR CLIENTS FIRST  EMD PROTECTION & SELLER PAYMENT PROTECTION - UP TO $10K  KNOW BEFORE YOU GO - UNDERWRITTEN PRE-APPROVALS  DEDICATED LOAN PRODUCT TRAININGS  FRICTIONLESS E-CLOSINGS - BECAUSE TIME IS MONEY
27. Fannie Mae / Freddie Mac Seller Servicer… We Are a Lender-for-Life 350 Employees 23 Branches 4 Divisions Robust Tech Stack… Encompass, OB, Top-of Mind, SimpleNexus, etc. QUICK HITS #USCULTURE
28. Control Your Pipeline… Opening and Processing Run By Sales Single Owner… No Partners, VC, Hedge Funds Pulling the Strings QUICK HITS #USCULTURE
29. 100% Retail Origination… No Wholesale or Correspondent Channel Competitng with You Obviously, we Pay Well otherwise no-one would be here 😉😉 QUICK HITS #USCULTURE
30. Who Does not Love the Name US Mortgage 😉😉 QUICK HITS #USCULTURE Over 350 Milnerisms… Ask for an Autographed Copy
31. “ We Are Big Enough to Matter, yet Small Enough to Care. #USCULTURE