NRL Mortgage’s Core

Purpose: To provide the

most reliable mortgage

experience.

Nations Reliable Lending, LLC

Our ExecutivesRon’s extensive experience, commitment to excellence, caring, and compassionate style are his greatest strengths as a leader. His experience in the

mortgage industry started in 2001 when he began his career by working on the front lines as a loan officer and then a branch manager for another national

lender. NRL capitalized on Ron’s experience and knowledge to help expand their team. In his first year at NRL he grew from 4 branches to almost 20 – more

than tripling the volume, as a result. He is a true sales professional providing World Class Service. As President of Nations Reliable Lending he believes in

taking care of his clients and getting the deal done. Ron’s goals for Nations Reliable Lending are to be among the top mortgage banks in the country.

Expanding outside of Texas and now licensed in many other states has put NRL on the national map and Ron feels that with this NRL is on their way to being

among the very best mortgage banks in the Nation. Ron is an active member of the Texas Association of Mortgage Bankers Association and the National

Mortgage Bankers Association. He is a Houston native and only left for a short while to attend the University of Texas. He returned to his roots and now lives

in Bellaire with his wife Jennifer and their 3 children.

Ron Zach – President

Mewael is the Executive Vice President of Operations for Nations Reliable Lending responsible for the Underwriting, Closing, Funding, and Post-Closing

departments. He also has his FHA Direct Endorsement certification. With over 10 years of experience in the mortgage industry, Mewael has worked at all

levels of the mortgage business with previous positions as a Loan Officer, Branch Manager, and Net Branch Owner. He is an active member of the Texas

Association of Mortgage Bankers Association and the National Mortgage Bankers Association. He is a proud Texas Longhorn- Mewael attended the University of

Texas at Austin where he studied Economics and is a member of the Kappa Alpha Psi Fraternity, Inc. In his free time Mewael enjoys working out, golf, his

Houston Rockets but more importantly, spending time with his wife and family. He currently resides in Houston, Texas.

Mewael Ghebremichael – EVP of Operations

Michael Allen is the Executive Vice President of Secondary Markets for Nations Reliable Lending. He has served in many roles at NRL, including all of

underwriting, credit, and secondary. He also has his FHA Direct Endorsement certification. His experience in the mortgage industry started in 1999 when

he began his career by working on the front lines as a loan processor, loan officer, and then a branch manager for another national lender. Since co-

founding Nations Reliable Lending in 2007, Michael has assisted in growing the company from a couple of branches in Texas to a nationwide lending

institution. Michael is an active member of the Texas Association of Mortgage Bankers Association and the National Mortgage Bankers Association. He

enjoys playing golf and spending time with his family. He resides in Houston, TX.

Michael Allen – EVP of Secondary Markets

Not just to borrowers but to our branches and loan originators.

Vision: To deliver industry “Best Service”…

Closed over $1 Billion since inception

Focused on technology and providing ultimate branch

support

Full Service Mortgage Lender

Founded in 2007

401K and full health benefits

What can NRL do for you?

NRL Mortgage is

represented in our

commitment to all

aspects of our daily

operations to our

family’s core values:

I C.A.R.E.

These ideas are the

basis of our foundation

for our company and is

our formula in defining

success for us and most

importantly our

customers!

I C.A.R.E.

Core Values

EEmpowering employees and customers!

R

Reliability

A

Accountability

C

Communication

I

Integrity and Honesty

Inc. 5000 Fastest Growing Private Co. December 2013

Inc. 500 Fastest Growing Private Co.December 2011 & December 2012

Expanded to represent all of TexasJanuary 2009

NRL Mortgage FoundedJanuary 2007

Our Timeline

Full Eagle FHA LenderJanuary 2008

Licensed in 27 states and growing!January 2015

As a FULL SERVICE residential mortgage lender, here is a list of excellent services

we offer our branches in order to accelerate the loan process for our customers:

What can NRL Mortgage do for you?

• In-House Underwriting, Processing and Closing

• Production Support Center

• Fast turn times for Underwriting and closing

• FHA, VA, USDA and Conventional

• Loan amounts from $50k to $2million

• Loan programs for credit scores as low as 560

Branch Services

• Must attend 20 hours of training and education

• Must pass National Licensing Test

• Must pass State Licensing Test

• Undergo an annual criminal background check and

annual credit report analysis

• Must complete and receive credit for at least 8

hours of continuing education per year

• Are listed on a National website for consumers to

check status – www.nmlsconsumeraccess.org

All customers work with Licensed Originators who:

From Encompass360 to

Optimal Blue; to

DocuSign to Mercury,

NRL Mortgage uses the

latest software

technology to simplify

and streamline the

entire loan process,

from origination to

secondary marketing.

Benefits of our Software

Informs the client and realtors of

Loan Status 24/7

Offers unique value proposition

Provides one central portal for

important documents

Ensures more efficient & immediate

communication throughout the

company

Delivers electronic signatures and

documents

Where we are…

This map is current as of February 6, 2015

APPROVED

PENDING APPROVAL FOR A LICENSED LO OR LOCAL BRANCH

APPLICATION PENDING WITH STATE

GATHERING DOCUMENTS AND INFORMATON

Our company motto is “Reliable is Our Middle Name” (that’s

literally what the ‘R’ in NRL Mortgage stands for!). We pride

ourselves on delivering the highest level of service in order to

bring the best in residential lending experiences to our

customers. We are always open to aligning ourselves with

professionals in the mortgage industry that are like minded and

also aspire to these same goals.

“Reliable is Our Middle Name”

Our Philosophy

Awards and Affiliations

2506 W. Main Street

Suite 400

Houston, TX 77098

713-275-1300

www.nrlmortgage.com

Nations Reliable Lending, LLC

NMLS 181407 | For a full list of our licenses please visit: nmlsconsumeraccess.org

Greg Leech

greg.leech@nrlmortgage.com

713-275-1310 | 281-221-2120

www.linkedin.com/in/gregleech