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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.
2012 and 2013 Sustained Growth
Partners for the Path Ahead
Volume
2012–$4.9billion2013–$6.2billion
Units
2012–21,2652013–26,058
Retail Branches
2012–592013–68
Number of Associates
2012–1,1832013–1,219
Servicing Portfolio
2012–$4.98billion2013–$8.75billion
2012
GROWTH
2013
More than 22,000 loans for
$5.19 billion
Production By Channel
RetailandConsumerDirect(44%)
Wholesale(50%)
Correspondent(6%*)
Production By Product Type
Conventional(59%)
Government(41%)
*FirstloanpurchasedinMay2013.
2014 Production Through October
Partners for the Path Ahead
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
WIMI
WA
NM
Partners for the Path Ahead
Corporate Headquarters – Iselin, New JerseyMorethan90Branchesin25StatesandWashington,D.C.
HomeBridgeisLicensedin47StatesandWashington,D.C.
StateswithaLicensedHomeBridgeBranch
StateswhereHomeBridgeisalsoLicensedtoProvideHomeLoansNoLicenseHeld
We aspire to be the most recommended home mortgage company in the country.
Partners for the Path Ahead
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:
Partners for the Path Ahead
Peter Norden Chief Executive OfficerNearly40yearsexperienceinresidentiallending
FormerCEOofOpteumFinancialServicesandFirstTowneMortgage
ServesontheFannieMaeCEOAdvisoryBoard
Joel Katz PresidentMorethan20yearsinresidentiallending
FormerManagingDirectoratFortressInvestmentGroup,DirectorofMortgageFinanceatSalomonSmithBarneyandCEOofUnionPlantersMortgageCompany
Rick Floyd Executive Vice PresidentNearly25yearsofmanagement,salesandcoachingexperienceinresidentiallending
PreviouslyaPartneratOpteumFinancialServicesandSalesDirectoratFirstTowneMortgage
PastPresidentoftheMortgageBankersAssociationofGeorgia
Meet our Northeast Management Team
Rick FloydExecutiveVicePresident
P:770-265-7760
Douglas TartaRegionalManager
P:908-578-0900
Bob WilderotterBusinessDevelopmentManager
P:201-921-8151
Ed BocchinoNortheastProductionManager
P:201-708-1141
Christine VillanoOperationsManager
P:201-708-1148
Partners for the Path Ahead
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
Partners for the Path Ahead
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.
Product Line
HomeBridgeisaFNMAandGNMAdirectissuer,whichallowsustogodirecttothesecondarymarketwithoutrelyingsolelyontheaggregators.Currently,HomeBridgesecuritizesnearly95%ofallproduction.
Traditional Products:
• Conventional
• FHA
• VA
• FixedandAdjustableRates
• JumboandSuperJumbo
• ReverseMortgage
• USDAFinancing
• SecondHomeorInvestmentProperties
Niche Products:
• FHA203(k)and203(h)
• FNMAHomeStyle
• FNMAHomePath
• VA95%CashOut
• InterestOnly
•MixedUseorCommercial
• BondPrograms
• HomeBridgeHomeFixer
• EnergyEfficientMortgage
Partners for the Path Ahead
Renovation Lending
EachfileisassignedapersonalConciergewhoworkswiththefile
from start to finish
Partners for the Path Ahead
Common-sense approach toprocessing,underwritingandclosingrenovationloans
Aunique
“Renovation Concierge Service” assistsproductionandoperationsstaff
•Productsalesandmarketing
•Operationalsupport(collectionofcontractordocs,
workwriteups,appraisals,etc.)
•Managingtheentirepostclosingconstructionphase
Currentlythecountry’s
third largest HUD203(k)lender
With the Renovation Concierge Team’s help, everyone at HomeBridge is a
Renovation Lending Expert
•“Automated”producteligibilityandbestexecutionloanpricing
•Open-Door Policyencouragesregularcommunicationtoaskquestionsordiscussscenarios
•Extended hours tocoveralltimezones
•Product helpdesksupportbyphoneore-mailtoassistLoanOriginatorsinfindingthebestproductforeachclient’ssituation
• Immediate notificationasmarketconditionsimproveorworsen
Capital Markets
Partners for the Path Ahead
Lock and Shop Program
Realtor / Builder Advantages
Partners for the Path Ahead
Extended Rate Locks
Forward Commitments
Project Approval Services for FNMA and FHA
Site Coverage Terms
Up-front Underwriting
Underwriting Scenario Desk
• Processing,underwritingandclosingonaregional level
(mostbrancheshaveon-siteprocessing)
•Underwriting scenario and exception handling helpdesk by phone or e-mail
•“Certified Processor” programexpeditestheclosingprocessbyvalidatingDU
approvalsandstreamliningtheclearingofunderwritingconditions
• Effectivecommonsenseunderwritingforsafeand sound lending
Operational Environment
Partners for the Path Ahead
Technology Platform
•Singleplatformloanoriginationsystem•Paperlessenvironment•“Lockonline”functionalitywithovernightprotection
•Electronicdeliveryofalldocuments• Initialdisclosureelectronicsignatures•SecureeFaxnumbers•Helpdesksupportviaweb,e-mailorphone
Partners for the Path Ahead
On-Boarding & Education
•Automatedon-boardingportalquicklyconvertscandidatesintoproductiveassociates
•Two-dayhands-onnewhiretraining
• Jobtutorialsandstep-by-stepguides
•Weeklyphonecallswithallnewhires
•HomeBridgeUniversity,anonlinee-learningenvironment
Partners for the Path Ahead
Human Resources
Benefit ProviderMedical Cigna
Dental CignaDental
Vision Cigna
FlexibleSpendingAccounts PrimePay
LifeInsurance Cigna
401(k)withCompanyMatch ThePrincipal
ShortTermDisability LincolnFinancial
LongTermDisability Cigna
AdditionalBenefitsThroughAflacInsurance
AdditionalLifeInsurance
ShortTermDisability
PersonalandMax.CancerPlans
PersonalAccidentPlan
SpecialEventHealthRider
Partners for the Path Ahead
Hear for Yourself
Gaindeeperinsightintoourculturewww.homebridge.com/videos
CheckoutRickFloyd’sweeklyvideoblogat
www.ChasingExcellenceBlog.com
Partners for the Path Ahead
Partners for the Path Ahead
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.