POSITIONED TO PRODUCE

Transcription

POSITIONED TO PRODUCE
PROVIDING THE TOOLS YOU NEED TO THRIVE
The opportunity to carve an even more lucrative path for your business is right before you.
The kind of growth we’re talking about doesn’t happen in a vacuum, so we provide all the
resources you need to take your business to new heights.
PRODUCT
PROGRAMS
Our suite of options is extensive. From first-time
homebuyer to multi-million dollar financing and
everything in between, you’re equipped to meet
practically every need. Plus we finance primary,
secondary and investment properties nationwide.
Whether you’re looking to seal the deal in a particular
situation or develop new relationships, we offer a
variety of solutions to accomplish your goals.
EverBank Preferred PortfolioSM Mortgages
Financing that extends into the millions
Fixed and adjustable rate options
Flexible underwriting guidelines on ARMs
One-Time Close Construction Loan1
Condo/co-op2 and resort condo 3 financing available
Financing for residents and medical doctors within
10 years of residency4
Conforming fixed and adjustable rate mortgages
FNMA and FHLMC products with minimal overlays
HomeReady ® mortgage5
High-balance options
DU and LP options
Government loans6
FHA, VA, and USDA
Preferred Equity Line7
Amortizing or interest-only first lien
Second lien
Purchase Solutions
Lock and Shop—clients can lock their rate before they
find a home 8
Closing Edge SM Program—opportunity to close in less
than 30 days9
Building Solutions
180, 270 and 360-day rate locks—one-time float
down option, upfront rate lock deposit is applied to
closing costs10
90, 120 and 180-day rate locks—no upfront rate
lock deposit11
Escrow holdbacks on flooring,12 swimming pools,
hardscapes13 and weather-impacted items like
landscaping and driveways
Business Development
Desk rental agreements
Co-marketing opportunities
Comprehensive library of customizable print
and online marketing materials
Work with real estate agents, organizations
and financial advisors—and frequently, their
respective audiences
Stand-alone second lien, LO eligible for referral
credit only
EverBank in an equal opportunity employer. Minority/Female/Disabled/Veteran. EverBank supports a drug free workplace.
This information is for professional use only and should not be distributed to or used by consumers.
MARKETING / SUPPORT
Think of us as your own personal marketing engine. Our dedicated marketing, creative and production teams
ensure your initiatives are professionally and seamlessly supported from development to delivery. And regardless
of media, whether it be print, email or web, personalization is easy.
1. Individual website
2. Print and email
communications
3. Introductory
materials
4. Advertising
collateral
5. Social media
1
2
RAISE YOUR
LENDING
3
EXPECTATIONS
LOOKING FORWARD
TO YOUR CALL
Michael Smith
Mortgage Loan Officer
[email protected]
everbank.com/msmith
NMLS ID: 123456
VISIT MY OFFICE
123 Street Name, XXth Floor
City, ST 12345
At EverBank, we’re committed to providing a loan experience
that’s focused on our clients every step of the way. It’s why we
offer a comprehensive suite of options, local mortgage expertise
and a streamlined process. Being able to offer these resources
is just some of the ways we raise the bar on home lending.
michael smith
Mortgage Loan Officer, NMLS ID 123456
[email protected]
123.456.7891 ext. 8888 T
012.345.6789 M
012.345.6789 F
501 Riverside Ave.,
Jacksonville, FL 32202
Contact me to learn more
Call 123.456.7890
everbank.com/msmith
Subject to credit and property approval. Other restrictions and limitations may apply.
15XXXXXXX.XX. EverBank NMLS ID: 399805
© 2013-2015 EverBank. All rights reserved.
5
4
MARKETING / SUPPORT
Whether you need just one floor banner or the entire trade show display, support is available when you’re out
making a name for yourself.
6. Event kits
“You’re in control of your business at every level.
Marketing offers full support with automated campaigns,
simple and clean marketing pieces, and mobile sales tools
to manage your pipeline while on the road. All provide ease
of use, so you can be out doing what you do best.”
—Nick Borruso, Home Lending Branch Manager
OPERATIONS
Our operations team makes sure your clients, no matter
where they are, close quickly and efficiently.
Fully dedicated team of processors, underwriters,
and closers who know and understand your market
Strategically located Operations Centers for loan
processing and underwriting
National Operations Center to handle overflow during
extra-busy periods and as new regions emerge
Learn more at about.everbank/makethemove
“We have all of the
relationship building
services in place. When
it comes to operations,
our superior staff helps
the loan close smoothly,
quickly and efficiently.”
—Dave Taormina, Mortgage Loan Officer
1. For EverBank Preferred Portfolio loans only. Minimum $250,000 of improvements required. Contractor and project review and
approval required. Available only in AZ, CA, CO, CT, DC, FL, MA, MD, MT, NC, NJ, OR, PA, SC, VA, WA. Contact us for more information
about this product.
2. Co-op financing only available in the New York boroughs of the Bronx, Brooklyn, Manhattan, Queens and Staten Island, as well as
Nassau, Rockland, Suffolk and Westchester counties.
3. Offered in select areas of Vermont, Colorado, Wyoming, Montana, Utah, Idaho, New Mexico, California and the Lake Tahoe area.
4. Eligibility for the physician-focused financing is available to existing medical doctors including DOs, dentists, dental surgeons and
veterinarians who are actively practicing and are within 10 years of residency; newly licensed medical residents who are currently
employed in residency or fellowship; newly licensed medical students who are beginning new employment/residency and within 60
days of closing; or new medical professional graduates who are under contract for residency and within 60 days of closing. Certain
income, geographic, and other requirements apply (such as borrower completion of online homeownership education and housing
counseling course). Please contact us for more details regarding terms and conditions.
5. Certain income, geographic, and other requirements apply (such as borrower completion of online homeownership education and
housing counseling course). Please contact us for more details regarding terms and conditions.
6. EverBank is not affiliated with the U.S. Government.
7. Our equity lines of credit are only available in certain states. For full details on the amortizing, interest only and supplemental second
lien lines of credit and their availability, please go to everbank.com/lending/preferred-equity-line. For full details on the stand-alone
line of credit, visit everbank.com/lending/heloc. Supplemental second lien lines of credit must be obtained through EverBank at the
same time as a closed end first mortgage (the “primary mortgage”), and are not available with all closed end first lien products or
with first lien HELOCs. Remember, a home equity line of credit, like any mortgage, will be secured by your house. If you cannot repay
the loan, you may lose your home.
8. This rate lock program may not be available for all loan types or for all transactions. Borrower can lock up to and the loan must close
within 90 days. Property must be identified within 45 days from the initial lock. A one-time float down can be exercised no sooner than
30 days prior to closing and no later than the earlier of 15 days prior to the closing or 15 days prior to expiration of the rate lock. The
interest rate for this lock and shop program may be higher. Please contact us for more details regarding terms and conditions.
9. In order to participate in the optional 30-day Closing Edge SM program, client is required to submit certain documentation
simultaneously with fully completed loan application. However, client is not required to provide any documentation prior to delivery of
a Loan Estimate. Some transactions and loan types are ineligible. Call for more details.
10. This rate lock program may not be available for all loan types or for all transactions. A one-time float down can be exercised no
sooner than 30 days prior to closing and no later than the earlier of 15 days prior to the closing or 15 days prior to expiration of the
rate lock. The interest rate for this rate lock may be higher than if you choose a rate lock without a float down option. The float down
option requires an upfront deposit equal to one point—up to a maximum of $5,000. Deposit is refundable only if the application is
denied. Please contact us for more details regarding terms and conditions.
11. This rate lock program may not be available for all loan types or for all transactions. Although there is no fee upfront, the longer the
rate lock period the higher the interest rate. Please contact us for more details regarding terms and conditions
12. Available only with Preferred Portfolio products.
13. Available with FNMA and Preferred Portfolio products only.
All mortgage products and programs are subject to credit and property approval. Rates, program terms, and conditions are subject to
change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply.
The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant’s credit history, and
other financial circumstances that may apply.
THE HEART & SOUL OF WHO WE ARE
OUR STORY OF SUCCESS
Success. Ours is a narrative of what happens when the right mix of innovation, opportunistic drive and discipline
combine. With over 40 years of home lending experience, EverBank has evolved into a thriving and diversified
financial institution united by the core idea of providing clients with opportunities beyond the expected. What’s
amazing is how such a seemingly simple idea has consistently produced strong results. It certainly accounts for
our growth to date and perfectly positions us for our next chapters.
SOME CLAIM FINANCIAL STRENGTH. WE EXEMPLIFY IT.
Assets and deposits as of 6/30/2016
2016
$27.4B
ASSETS
$18.8B
$
5B
$5.
200
$2.1B
7
$1.4B
B
3.9
$1
0.2
B
$1
3
.0B
20
11
DEPOSITS
“Our vision at the start
was to set ourselves
apart from the
competition by pairing
an innovative line of
products with a highly
disciplined business
model. The results
speak for themselves.”
—Robert M. Clements, Chairman & CEO
2003
OUR BUSINESS LINES
Going beyond banking to deliver innovative financial solutions to individuals and businesses around the country,
EverBank meets the needs of a growing allegiance of clients in an increasingly complex financial world.
BANKING
COMMERCIAL
Personal and Business Banking
Provides an innovative mix of products and services
that’s tailored to meet the needs of personal
and business clients nationwide. This innovative
mix includes high-yield deposit accounts, global
diversification opportunities, including foreign currency
accounts, as well as comprehensive online banking and
financial centers in select locations. Member, FDIC.
EverBank Commercial Finance, Inc.17
Subsidiary that delivers specialized equipment leasing
to a range of markets, including industrial, healthcare,
office products and technology.
LENDING AND MORTGAGE FINANCE
MORTGAGE SERVICING
Home Lending
Delivers mortgage lending to individuals that includes a
comprehensive range of conforming and jumbo loans.
Loan Servicing and Outsourced Servicing
EverBank has developed core expertise in servicing
complex loan and portfolio characteristics and providing
outsourcing services for other firms.
Correspondent Lending
Provides the EverBank Preferred PortfolioSM Mortgage
to lenders nationwide. Given our highly knowledgeable
lending staff, we are able to provide the personal and
professional service needed to help ensure a smooth
and streamlined lending process.
Commercial Real Estate Lending
Provides custom financing solutions for single-tenant,
multi-tenant and multifamily commercial properties.
Warehouse Finance
Offers a stable funding source for mid-size, high-quality
mortgage banking companies across the country, and is
focused on creating long-term relationships.
GLOBAL MARKETS
World Markets
Delivers portfolio diversification opportunities with
access to a variety of foreign currency and non-FDIC
insured precious metals accounts.14
EverBank Wealth Management, Inc.15
Offers individual investors institutional-level wealth
management services from a goals-based and
global perspective.
EverTrade Direct Brokerage, Inc.16
Delivers a suite of domestic and global investment
opportunities to personal and business clients.
OUR RECORD OF SUCCESS
SPREADING OUR WINGS
Over the years, we’ve charted a course of stable, yet consistent growth. We move forward
with a goal of maintaining today’s successes and when appropriate, channeling them into
future opportunities.
$21B in asset growth from 12/31/2007 - 6/30/2016
21 years of consecutive profitability
EverBank Financial Corp went public 5/3/2012 under the EVER ticker symbol
4-star rating from BauerFinancial, current rating as of 3/31/201618
Acquired the stadium naming rights for EverBank Field in 2010, home of the NFL’s
Jacksonville Jaguars
Vail Valley Foundation Cornerstone Partnership since 2014, national exposure at World
Cup ski events and at GoPro Mountain Games
To learn more about EverBank, visit us at about.everbank.
14.EverBank® Metals Select® products:
Are Not FDIC Insured
Are Not Bank or Government Guaranteed
Are Not Deposits of EverBank
May Lose Value
Purchasing or owning metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully
consider the suitability of such metals before making any decision. Please refer to “Metals Select Accounts” in your Account Terms,
Disclosures and Agreements Booklet for additional information.
15. EverBank Wealth Management, Inc. is an investment adviser registered with the Securities and Exchange Commission. It is not a
bank. EverBank Wealth Management, Inc. may recommend or make available products and services offered by its parent company,
EverBank, a member of the FDIC, and EverBank’s subsidiary, EverTrade Direct Brokerage, Inc., a broker dealer registered with the
Securities and Exchange Commission and a member of FINRA (www.finra.org) and SIPC (www.sipc.org). Investment services offered
through EverBank Wealth Management, Inc.:
Are Not Bank Guaranteed
May Lose Value
Foreign investing involves special risks such as currency, economic, political and social instability in addition to varying accounting
and disclosure standards. Be sure you understand these risks prior to investing.
16. EverBank is an FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a subsidiary of EverBank. Investment products and
services are provided by EverTrade Direct Brokerage, Inc. and:
Are Not Bank Guaranteed
May Lose Value
EverTrade Direct Brokerage, Inc. is a registered SEC broker/dealer and FINRA/SIPC member - www.finra.org, www.sipc.org. Foreign
investing involves special risks such as currency, economic, political and social instability in addition to varying accounting and
disclosure standards. Be sure you understand these risks prior to investing.
17. EverBank Commercial Finance, Inc. is a subsidiary of EverBank and is not itself a bank or a member of the FDIC.
18.Rating provided by BauerFinancial as of 3/31/2016, www.bauerfinancial.com
FIND YOUR HOME
THE BENEFITS OF BEING ON OUR TEAM
Become part of the team and you’ll find a unique culture that’s fueled by excellence, with the desire to continually
raise the bar. We know our people are the driving force behind our growth. From our overall benefits package
to the Chairman Circle award for residential lending’s top producers, we hire the best of the best and give them
reason to stay.
MORTGAGE LOAN OFFICER BENEFITS19
Commission schedule
Highly competitive.
Easy NMLS maintenance
We pay for your renewals and manage any related employer reporting,
once you move your registration to EverBank.
INSURANCE
Health and dental
Coverage starts the 1st day of the month that coincides with or follows
your hire date.
Health Savings Account
Available for associates participating in a high deductible health plan.
Health and dependent care
flexible spending accounts
Using pre-tax dollars, funds from each paycheck are deposited into
these accounts. Covers non-reimbursed medical costs and out of
pocket, work-related dependent day care costs.
Long-Term Disability, Basic Life
Insurance, and Accidental Death
and Dismemberment Insurance
Coverage starts the 1st day of the month that coincides with or follows
your hire date.
VOLUNTARY BENEFITS
Vision
• Coverage starts the 1st day of the month that coincides with or follows
your hire date.
• Covers routine eye care, including exams, glasses (lenses & frames)
and contacts.
Supplemental life insurance,
supplemental accidental
insurance, critical illness
coverage, prepaid legal services
• Coverage starts the 1st day of the month that coincides with or follows
your hire date.
19. All benefits in the Insurance, Voluntary Benefits and Retirement Planning sections are available based on eligibility requirements.
RETIREMENT PLANNING
401(k)
• EverBank matches $1.00 for $1.00 on the first 3% of contributions and
$.50 on the dollar for the fourth and fifth percentage you contribute.
• Vested immediately in the company match.
Profit Sharing and Savings
• Annual contribution to the Plan that the Board of Directors may authorize.
As the company does well, so do you.
• EverBank Board of Directors has authorized a contribution for the past
20 consecutive years.
MEET THE LEADERSHIP
CHARTING THE COURSE FOR INNOVATION IN LENDING
TONY CLINTOCK
Senior Vice President - Co-Head Home Lending
Before joining EverBank, Tony was Regional Sales Manager for MetLife Home
Loans. Prior to that, he was Senior Vice President and Division Manager
for JP Morgan Chase where he managed over 700 loan officers producing
approximately $6B in mortgage sales. Having started his mortgage career as
a Loan Officer Assistant over 25 years ago, Tony’s story is one of success—
working his way up through the ranks and holding the positions of Loan Officer,
Sales, Branch, Regional and Division Manager.
Tony came to EverBank in the summer of 2012 as the Northeast Division
Manager for Retail Lending and built the regional sales force. He became
National Sales Executive in 2014 and was responsible for sales production
for both the Retail and Direct Lending channels. Today, Tony is the Co-Head
of Home Lending. He’s responsible for day-to-day management of mortgage
origination, ensuring EverBank meets organizational, financial, operational,
service, and growth plans.
Tony graduated from Rider University with his degree in Finance. He has
received numerous sales awards, including President’s Club from 1993 to 2012.
MEET THE LEADERSHIP
SHELLY KOBB
Senior Vice President – Co-Head Home Lending & Head of Correspondent Lending
Shelly came to EverBank in spring of 2011 and brought with her over 33
years of mortgage and banking experience. Prior to joining EverBank,
she was Senior Vice President and National Correspondent Operations
Manager for Aurora Bank and Regional Vice President for Bear Stearns.
Well-versed and highly knowledgeable in the mortgage services industry,
earlier positions include Vice President of Real Estate Transaction Sales,
Underwriter and Wholesale Branch Manager.
At EverBank, Shelly is responsible for operations, pricing support and title
services for EverBank’s Retail, Direct and Correspondent Lending business
lines. Additionally, she leads Correspondent Lending. An integral member
of the team who launched this division in 2011, today she oversees business
growth, development and operations for the channel. In all of her positions,
she has demonstrated her commitment to provide a first-rate client
experience through implementing process control and improving efficiency.
Shelly received her B.A. in Business Management from Augsburg College
and her Masters in Organization Development and Change Management
from Colorado State University. Shelly was appointed to the MBA’s 2016
Residential Board of Governors.
MEET THE LEADERSHIP
TOM MARRON
Senior Vice President – Western Division
With over 24 years of progressive sales management experience, Tom
comes to EverBank from MetLife Home Loans, where he was responsible for
managing retail lending in Northern California. Prior to that, he spent over 13
years with First Horizon Home Loans. He held several positions there including
Loan Officer, Branch Manager and Retail Sales Manager. He also served
as Regional President at First Horizon Home Loans, managing retail and
wholesale sales and operations for California and Hawaii.
EDDIE SCOTT
Senior Vice President – Southern Division
Eddie Scott joined EverBank with over 28 years of lending experience, much of
it at JP Morgan Chase. As Senior Vice President and Divisional Manager there,
he oversaw Southeastern mortgage sales and operations, successfully growing
the mortgage business from $1 billion to $4 billion annually. He also served
as Senior Vice President for Wachovia, responsible for business development
and loan origination and Washington Mutual, where he oversaw mortgage
production for more than 300 bank branches and 25 mortgage branches.
DEAN MORAN
Senior Vice President – Northeastern Division
Dean came to EverBank in 2016 with over 21 years of mortgage banking
experience. Before joining EverBank, Dean was a Market Manager for
PNC Mortgage where he was responsible for all strategic planning and
execution of sales goals. Prior to that, he was Divisional Vice President at
JP Morgan Chase where he oversaw and managed the sales activities of
half of their markets nationwide. Dean has built his reputation on building
high-performing sales teams while employing an open and collaborative
leadership style.
EverBank is an equal opportunity employer. No employee or applicant will be discriminated against because of race, religion,
color, gender, age, marital status, pregnancy, national origin, genetic information, sexual orientation, gender identity, citizenship,
protected veteran status, disability or any other legally protected status.
© 2016 EverBank. All rights reserved. 16ERM5912.06. EverBank NMLS ID: 399805.

POSITIONED TO PRODUCE

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