Insights and Lending Solutions for a New Generation

Capturing more of the First-time Homebuyer Market

1 of 10

bull

bull

bull

In the Mid-Atlantic and Southeast the First-Time

First-time homebuyers

A $78 Billion sales opportunity in 2017

Homebuyer (FTHB) market has huge potential1

1 out of every 3 purchases

About 230000 homes

Average purchase price $2500002

Average REALTORreg commission $150003

1Source SunTrust Renter amp First-Time Homebuyer Analysis (122016) 2Based on $230000 average loan amount assuming 10 down payment

2 of 10 3Based on 6 commission rate (Average combined commission for listing and selling agents)

What we know about todayrsquos FTHBs

18 are single women

CONFUSED About the buying and

financing process

Military FTHBs (no down payment)

51 are Active Duty

18 are Veterans

32 Median age

90 Use an agent

or broker

WANT Personalized

individual support

1 Reason to Buy 67 want to own their

own home

$72000 Median income

Obstacles to purchase

Credit card debt student loans amp lack of funds for down payment 58 are married

Home Price $182500

National Average

$250000 Regional Average

VS

3 of 10 Sources ldquoRecent Home Buyer Profilesrdquo NAR (11416) SunTrust FTHB Insights research (November 2015)

The FTHB Challenge

Real concerns from todayrsquos renters

ldquoI wish I had someone personal that could

guide me through the processrdquo

ldquoIrsquom afraid of getting taken advantage ofrdquo

ldquoI think buying a home should be fun but instead itrsquos scaryrdquo

ldquoI wouldnrsquot want to jump into a process I know nothing aboutrdquo

4 of 10 Source SunTrust FTHB Insights research November 2015

middot

middot

middot

Todayrsquos FTHBs want one thing

CONFIDENCE Confidence that theyrsquore making the right decisions to move forward

Confidence that comes from working with an expert lender who

really listens and understands

answers questions both big and small

helps ensure their mortgage fits with everything else that really matters in their life

5 of 10

Confidence starts here

At Suntrust Mortgage we believe that everyone can achieve the financial confidence to pursue a life well spent

More than a million people have joined the onUp Movement

because they know that financial confidence leads to life

confidence And they all share a desire and commitment

to moving financially toward a life well spent

At onUpcom we share topics resources and inspiration

from real people whorsquove already started taking steps toward

a more confident life Therersquos even a section dedicated to homeownership

Learn more or join the movement at onUpcom

6 of 10

bull

bull

bull

In the Mid-Atlantic and Southeast the First-Time

First-time homebuyers

A $78 Billion sales opportunity in 2017

Homebuyer (FTHB) market has huge potential1

1 out of every 3 purchases

About 230000 homes

Average purchase price $2500002

Average REALTORreg commission $150003

1Source SunTrust Renter amp First-Time Homebuyer Analysis (122016) 2Based on $230000 average loan amount assuming 10 down payment

2 of 10 3Based on 6 commission rate (Average combined commission for listing and selling agents)

What we know about todayrsquos FTHBs

18 are single women

CONFUSED About the buying and

financing process

Military FTHBs (no down payment)

51 are Active Duty

18 are Veterans

32 Median age

90 Use an agent

or broker

WANT Personalized

individual support

1 Reason to Buy 67 want to own their

own home

$72000 Median income

Obstacles to purchase

Credit card debt student loans amp lack of funds for down payment 58 are married

Home Price $182500

National Average

$250000 Regional Average

VS

3 of 10 Sources ldquoRecent Home Buyer Profilesrdquo NAR (11416) SunTrust FTHB Insights research (November 2015)

The FTHB Challenge

Real concerns from todayrsquos renters

ldquoI wish I had someone personal that could

guide me through the processrdquo

ldquoIrsquom afraid of getting taken advantage ofrdquo

ldquoI think buying a home should be fun but instead itrsquos scaryrdquo

ldquoI wouldnrsquot want to jump into a process I know nothing aboutrdquo

4 of 10 Source SunTrust FTHB Insights research November 2015

middot

middot

middot

Todayrsquos FTHBs want one thing

CONFIDENCE Confidence that theyrsquore making the right decisions to move forward

Confidence that comes from working with an expert lender who

really listens and understands

answers questions both big and small

helps ensure their mortgage fits with everything else that really matters in their life

5 of 10

Confidence starts here

At Suntrust Mortgage we believe that everyone can achieve the financial confidence to pursue a life well spent

More than a million people have joined the onUp Movement

because they know that financial confidence leads to life

confidence And they all share a desire and commitment

to moving financially toward a life well spent

At onUpcom we share topics resources and inspiration

from real people whorsquove already started taking steps toward

a more confident life Therersquos even a section dedicated to homeownership

Learn more or join the movement at onUpcom

6 of 10

What we know about todayrsquos FTHBs

18 are single women

CONFUSED About the buying and

financing process

Military FTHBs (no down payment)

51 are Active Duty

18 are Veterans

32 Median age

90 Use an agent

or broker

WANT Personalized

individual support

1 Reason to Buy 67 want to own their

own home

$72000 Median income

Obstacles to purchase

Credit card debt student loans amp lack of funds for down payment 58 are married

Home Price $182500

National Average

$250000 Regional Average

VS

3 of 10 Sources ldquoRecent Home Buyer Profilesrdquo NAR (11416) SunTrust FTHB Insights research (November 2015)

The FTHB Challenge

Real concerns from todayrsquos renters

ldquoI wish I had someone personal that could

guide me through the processrdquo

ldquoIrsquom afraid of getting taken advantage ofrdquo

ldquoI think buying a home should be fun but instead itrsquos scaryrdquo

ldquoI wouldnrsquot want to jump into a process I know nothing aboutrdquo

4 of 10 Source SunTrust FTHB Insights research November 2015

middot

middot

middot

Todayrsquos FTHBs want one thing

CONFIDENCE Confidence that theyrsquore making the right decisions to move forward

Confidence that comes from working with an expert lender who

really listens and understands

answers questions both big and small

helps ensure their mortgage fits with everything else that really matters in their life

5 of 10

Confidence starts here

At Suntrust Mortgage we believe that everyone can achieve the financial confidence to pursue a life well spent

More than a million people have joined the onUp Movement

because they know that financial confidence leads to life

confidence And they all share a desire and commitment

to moving financially toward a life well spent

At onUpcom we share topics resources and inspiration

from real people whorsquove already started taking steps toward

a more confident life Therersquos even a section dedicated to homeownership

Learn more or join the movement at onUpcom

6 of 10

The FTHB Challenge

Real concerns from todayrsquos renters

ldquoI wish I had someone personal that could

guide me through the processrdquo

ldquoIrsquom afraid of getting taken advantage ofrdquo

ldquoI think buying a home should be fun but instead itrsquos scaryrdquo

ldquoI wouldnrsquot want to jump into a process I know nothing aboutrdquo

4 of 10 Source SunTrust FTHB Insights research November 2015

middot

middot

middot

Todayrsquos FTHBs want one thing

CONFIDENCE Confidence that theyrsquore making the right decisions to move forward

Confidence that comes from working with an expert lender who

really listens and understands

answers questions both big and small

helps ensure their mortgage fits with everything else that really matters in their life

5 of 10

Confidence starts here

At Suntrust Mortgage we believe that everyone can achieve the financial confidence to pursue a life well spent

More than a million people have joined the onUp Movement

because they know that financial confidence leads to life

confidence And they all share a desire and commitment

to moving financially toward a life well spent

At onUpcom we share topics resources and inspiration

from real people whorsquove already started taking steps toward

a more confident life Therersquos even a section dedicated to homeownership

Learn more or join the movement at onUpcom

6 of 10

middot

middot

middot

Todayrsquos FTHBs want one thing

CONFIDENCE Confidence that theyrsquore making the right decisions to move forward

Confidence that comes from working with an expert lender who

really listens and understands

answers questions both big and small

helps ensure their mortgage fits with everything else that really matters in their life

5 of 10

Confidence starts here

At Suntrust Mortgage we believe that everyone can achieve the financial confidence to pursue a life well spent

More than a million people have joined the onUp Movement

because they know that financial confidence leads to life

confidence And they all share a desire and commitment

to moving financially toward a life well spent

At onUpcom we share topics resources and inspiration

from real people whorsquove already started taking steps toward

a more confident life Therersquos even a section dedicated to homeownership

Learn more or join the movement at onUpcom

6 of 10

Confidence starts here

At Suntrust Mortgage we believe that everyone can achieve the financial confidence to pursue a life well spent

More than a million people have joined the onUp Movement

because they know that financial confidence leads to life

confidence And they all share a desire and commitment

to moving financially toward a life well spent

At onUpcom we share topics resources and inspiration

from real people whorsquove already started taking steps toward

a more confident life Therersquos even a section dedicated to homeownership

Learn more or join the movement at onUpcom

6 of 10

bull

bull

bull

bull

FTHB concern

ldquoIrsquom afraid of getting taken advantage ofrdquo

We overcome this widespread concern with authentic personal service

Experienced knowledgeable mortgage professionals dedicated to improving FTHBsrsquo financial well-being

Flexible competitive financing choices many of them ideal for FTHBs

Individual 11 consultations focused on client goals

Key question Not ldquoWhat do you needrdquo but ldquoWhat do you want to achieverdquo

Organizational purpose to help lead everyone everywhere toward financial confidencemdash and there is no better example of that than successful homeownership

7 of 10

bull

bull

bull

bull

bull

bull

We provide resources to make the loan process less stressful for your clientsmdash and ultimately for you

Free ldquoPlanning for Homeownershiprdquo Guide

Free FTHB seminars

Unlimited access to our online Resource Center

Free ldquoClosing with Confidencerdquo Guide

Multi-touch communicationsengagement programs

Loan status tracking from application to close

Pre-qualification is based on non-verified information and is not a commitment to make you a loan by SunTrust Mortgage Inc Loan approval will be subject to but not limited to verification of all income asset and

liability information provided by you satisfactory property appraisal compliance with SunTrust Mortgagersquos loan program guidelines and all required closing conditions such as survey and title examination

Equal Housing Lender SunTrust Mortgage Inc - NMLS 2915 901 Semmes Avenue Richmond VA 23224 toll free 1-800-634-7928 CA licensed by the Department of Business Oversight under the California

Residential Mortgage Lending Act IL Illinois Residential Mortgage Licensee MA Mortgage Lender license -ML-2915 NH licensed by the New Hampshire Banking Department NJ Mortgage Banker License - New Jersey

Department of Banking and Insurance and RI Rhode Island Licensed Lender copy2014 SunTrust Banks Inc SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks Inc

REV040114HJ-R

STMR1020

Skilled mortgage experts | Flexible financing solutions | Outstanding service and support | An industry leader in client satisfaction

Join SunTrust Mortgage Inc for a free first-time

homebuyerrsquos seminar where yoursquoll learn about

bull Options for financing your new homebull Your credit score and how to effectively manage it

bull The importance of becoming pre-qualified before

searching for your dream homebull House hunting and the role of a real estate agent

bull The mortgage process mdash from application to closing

PROOF

WhenSaturday February 27 20161000 am to 1100 amWhereCary Greens at Preston2500 Grove Club LaneClubhouse - Next to Fitness CenterCary NC 27513 RSVP to markdriessuntrustcomContinental breakfast will be served

Hosted by

Mark DriesLoan OfficerSunTrust Mortgage Inc9193806777 Office9197413493 CellmarkdriessuntrustcomwwwsuntrustcommarkdriesNMLSR 1215992

FTHB concern

ldquoI wouldnrsquot want to jump into a process I know nothing aboutrdquo

8 of 10

The next time a FTHB sayshellip

ldquoI donrsquot understandrdquo Remember our many resources that help

educate new buyers

Our expertise means confidence for you too

ldquoI feel really stressed about this processrdquo Think of the time we invest to help them get it right

ldquoI donrsquot want to be treated like a numberrdquo Recall our personal service and customized

financing focused on what the buyer wants to achieve

ldquoWho can I talk tordquo Consider the weight we take off your shoulders without taking you out of the loop

You can have confidence in referring SunTrust Mortgagemdash

the right choice for your FTHB clients

9 of 10

3

Letrsquos start now

This year nearly 31 of your sales could come from FTHBs1

Are you ready If not here are 3 distinct ways we are committed to help you close more FTHBs and take advantage of this

growth opportunity

1

2

11 Consultations mdash Do you have clients who share these concerns If so put them in touch Let us use our experience to help move them from concern to confidence and then closing

Events mdash Give us 3 dates and times and we will host a free Planning for Homeownership Seminar for all of your prospects At your place or ours

Strategy mdash Schedule a planning session and we can develop plans to identify new ways to reach attract retain and close even more FTHBs

Together we can give FTHBs more confidence to move forward toward

a home of their own mdash a giant step in pursuing a life well spent

1Source SunTrust Renter amp FTHB Analysis (122016) The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice

Equal Housing Lender SunTrust Mortgage Inc - NMLS 2915 901 Semmes Avenue Richmond VA 23224 1-800-634-7928 CA licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act IL Illinois Residential Mortgage Licensee MA Mortgage Lender license -ML-2915 NJ Mortgage Banker License - New Jersey Department of Banking and Insurance NY Licensed Mortgage 10 of 10 BankermdashNYS Department of Financial Services and RI Rhode Island Licensed Lender copy2017 SunTrust Banks Inc SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks Inc Rev 61517

bull

bull

bull

bull

bull

bull

We provide resources to make the loan process less stressful for your clientsmdash and ultimately for you

Free ldquoPlanning for Homeownershiprdquo Guide

Free FTHB seminars

Unlimited access to our online Resource Center

Free ldquoClosing with Confidencerdquo Guide

Multi-touch communicationsengagement programs

Loan status tracking from application to close

Pre-qualification is based on non-verified information and is not a commitment to make you a loan by SunTrust Mortgage Inc Loan approval will be subject to but not limited to verification of all income asset and

liability information provided by you satisfactory property appraisal compliance with SunTrust Mortgagersquos loan program guidelines and all required closing conditions such as survey and title examination

Equal Housing Lender SunTrust Mortgage Inc - NMLS 2915 901 Semmes Avenue Richmond VA 23224 toll free 1-800-634-7928 CA licensed by the Department of Business Oversight under the California

Residential Mortgage Lending Act IL Illinois Residential Mortgage Licensee MA Mortgage Lender license -ML-2915 NH licensed by the New Hampshire Banking Department NJ Mortgage Banker License - New Jersey

Department of Banking and Insurance and RI Rhode Island Licensed Lender copy2014 SunTrust Banks Inc SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks Inc

REV040114HJ-R

STMR1020

Skilled mortgage experts | Flexible financing solutions | Outstanding service and support | An industry leader in client satisfaction

Join SunTrust Mortgage Inc for a free first-time

homebuyerrsquos seminar where yoursquoll learn about

bull Options for financing your new homebull Your credit score and how to effectively manage it

bull The importance of becoming pre-qualified before

searching for your dream homebull House hunting and the role of a real estate agent

bull The mortgage process mdash from application to closing

PROOF

WhenSaturday February 27 20161000 am to 1100 amWhereCary Greens at Preston2500 Grove Club LaneClubhouse - Next to Fitness CenterCary NC 27513 RSVP to markdriessuntrustcomContinental breakfast will be served

Hosted by

Mark DriesLoan OfficerSunTrust Mortgage Inc9193806777 Office9197413493 CellmarkdriessuntrustcomwwwsuntrustcommarkdriesNMLSR 1215992

FTHB concern

ldquoI wouldnrsquot want to jump into a process I know nothing aboutrdquo

8 of 10

The next time a FTHB sayshellip

ldquoI donrsquot understandrdquo Remember our many resources that help

educate new buyers

Our expertise means confidence for you too

ldquoI feel really stressed about this processrdquo Think of the time we invest to help them get it right

ldquoI donrsquot want to be treated like a numberrdquo Recall our personal service and customized

financing focused on what the buyer wants to achieve

ldquoWho can I talk tordquo Consider the weight we take off your shoulders without taking you out of the loop

You can have confidence in referring SunTrust Mortgagemdash

the right choice for your FTHB clients

9 of 10

3

Letrsquos start now

This year nearly 31 of your sales could come from FTHBs1

Are you ready If not here are 3 distinct ways we are committed to help you close more FTHBs and take advantage of this

growth opportunity

1

2

11 Consultations mdash Do you have clients who share these concerns If so put them in touch Let us use our experience to help move them from concern to confidence and then closing

Events mdash Give us 3 dates and times and we will host a free Planning for Homeownership Seminar for all of your prospects At your place or ours

Strategy mdash Schedule a planning session and we can develop plans to identify new ways to reach attract retain and close even more FTHBs

Together we can give FTHBs more confidence to move forward toward

a home of their own mdash a giant step in pursuing a life well spent

1Source SunTrust Renter amp FTHB Analysis (122016) The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice

Equal Housing Lender SunTrust Mortgage Inc - NMLS 2915 901 Semmes Avenue Richmond VA 23224 1-800-634-7928 CA licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act IL Illinois Residential Mortgage Licensee MA Mortgage Lender license -ML-2915 NJ Mortgage Banker License - New Jersey Department of Banking and Insurance NY Licensed Mortgage 10 of 10 BankermdashNYS Department of Financial Services and RI Rhode Island Licensed Lender copy2017 SunTrust Banks Inc SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks Inc Rev 61517

The next time a FTHB sayshellip

ldquoI donrsquot understandrdquo Remember our many resources that help

educate new buyers

Our expertise means confidence for you too

ldquoI feel really stressed about this processrdquo Think of the time we invest to help them get it right

ldquoI donrsquot want to be treated like a numberrdquo Recall our personal service and customized

financing focused on what the buyer wants to achieve

ldquoWho can I talk tordquo Consider the weight we take off your shoulders without taking you out of the loop

You can have confidence in referring SunTrust Mortgagemdash

the right choice for your FTHB clients

9 of 10

3

Letrsquos start now

This year nearly 31 of your sales could come from FTHBs1

Are you ready If not here are 3 distinct ways we are committed to help you close more FTHBs and take advantage of this

growth opportunity

1

2

11 Consultations mdash Do you have clients who share these concerns If so put them in touch Let us use our experience to help move them from concern to confidence and then closing

Events mdash Give us 3 dates and times and we will host a free Planning for Homeownership Seminar for all of your prospects At your place or ours

Strategy mdash Schedule a planning session and we can develop plans to identify new ways to reach attract retain and close even more FTHBs

Together we can give FTHBs more confidence to move forward toward

a home of their own mdash a giant step in pursuing a life well spent

1Source SunTrust Renter amp FTHB Analysis (122016) The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice

Equal Housing Lender SunTrust Mortgage Inc - NMLS 2915 901 Semmes Avenue Richmond VA 23224 1-800-634-7928 CA licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act IL Illinois Residential Mortgage Licensee MA Mortgage Lender license -ML-2915 NJ Mortgage Banker License - New Jersey Department of Banking and Insurance NY Licensed Mortgage 10 of 10 BankermdashNYS Department of Financial Services and RI Rhode Island Licensed Lender copy2017 SunTrust Banks Inc SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks Inc Rev 61517

3

Letrsquos start now

This year nearly 31 of your sales could come from FTHBs1

Are you ready If not here are 3 distinct ways we are committed to help you close more FTHBs and take advantage of this

growth opportunity

1

2

11 Consultations mdash Do you have clients who share these concerns If so put them in touch Let us use our experience to help move them from concern to confidence and then closing

Events mdash Give us 3 dates and times and we will host a free Planning for Homeownership Seminar for all of your prospects At your place or ours

Strategy mdash Schedule a planning session and we can develop plans to identify new ways to reach attract retain and close even more FTHBs

Together we can give FTHBs more confidence to move forward toward

a home of their own mdash a giant step in pursuing a life well spent

1Source SunTrust Renter amp FTHB Analysis (122016) The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice

Equal Housing Lender SunTrust Mortgage Inc - NMLS 2915 901 Semmes Avenue Richmond VA 23224 1-800-634-7928 CA licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act IL Illinois Residential Mortgage Licensee MA Mortgage Lender license -ML-2915 NJ Mortgage Banker License - New Jersey Department of Banking and Insurance NY Licensed Mortgage 10 of 10 BankermdashNYS Department of Financial Services and RI Rhode Island Licensed Lender copy2017 SunTrust Banks Inc SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks Inc Rev 61517