homebridge.com

homebridge.com
Partners for the Path Ahead
The HomeBridge Difference
People, Knowledge, Experience
• Our
people are our best
asset. They are well trained,
knowledgeable and
experienced so they can
make decisions quickly.
• HomeBridge
combines
the financial stability
of a large corporation
with the compassionate,
individualized approach of
a small business.
Operating Principles
• We
have uncompromising
integrity and strive to
exceed expectations in
all we do.
• Our
goal is excellence in all
we do, including delivering
the highest quality product
and best experience.
Customer-Centric Orientation
• We
don’t merely process
transactions, we help
families acheive their
dream of home ownership
and help real estate
agents and construction
professionals build
thriving communities.
• Personal,
relevant and
timely attention are
the hallmarks of our
communication process.
Partners for the Path Ahead
2012 and 2013 Sustained Growth
Volume
2012 – $4.9 billion
2013 – $6.2 billion
Units
2012 – 21,265
2013 – 26,058
2012 – 59
2013 – 68
GROWTH
Retail Branches
Number of Associates
2012 – 1,183
2013 – 1,219
Servicing Portfolio
2012 – $4.98 billion
2013 – $8.75 billion
2012
2013
Partners for the Path Ahead
2014 Production Through June
Nearly
12,000 loans
for $2.78 billion
Production By Channel
Production By Product Type
Retail and Consumer Direct (44%)
Conventional (59%)
Wholesale (50%)
Government (41%)
Correspondent (6%*)
* First loan purchased in May 2013.
Partners for the Path Ahead
Locations and Licensing
WA
MT
ME
ND
MN
OR
VT
NH
ID
SD
WI
NY
MI
WY
IA
NE
NV
PA
IL
OH
IN
WV
CO
CA
KS
AZ
MO
VA
KY
NC
TN
OK
NM
SC
AR
MS
TX
RI
CT
NJ
DE
DC
MD
AL
GA
LA
AK
FL
HI
Corporate Headquarters – Iselin, New Jersey
States with a Licensed
HomeBridge Branch
More than 90 Branches in 24 States and Washington, D.C.
States where HomeBridge
is also Licensed to Provide Home Loans
HomeBridge is Licensed in 47 States and Washington, D.C.
Application Pending
No License Held
Partners for the Path Ahead
VISION:
We aspire to be the most recommended
home mortgage company in the country.
MISSION:
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.
Partners for the Path Ahead
Peter Norden
Chief Executive Officer
Nearly 40 years experience
in residential lending
Joel Katz
President
More than 20 years in
residential lending
Former CEO of Opteum
Financial Services and
FirstTowne Mortgage
Former Managing Director
at Fortress Investment Group,
Director of Mortgage Finance
at Salomon Smith Barney
and CEO of Union Planters
Mortgage Company
Serves on the Fannie
Mae CEO Advisory Board
Rick Floyd
Executive Vice President
Nearly 25 years of management,
sales and coaching experience in
residential lending
Previously a Partner at Opteum
Financial Services and Sales
Director at FirstTowne Mortgage
Past President of the Mortgage
Bankers Association of Georgia
Partners for the Path Ahead
Personalized Marketing Support
On Demand:
• Library
of custom flyers
and e-blasts personalized to
Loan Originator
New Media:
• Mobile
• Social
marketing
media campaigns
• Blogging
platform
Database Driven:
Customized Support:
• Automated
• Grass
roots campaigns
• Event
marketing
direct mail
and e-mail campaigns
for Business Partners,
Customers and Future
Prospects
Interactive Sales Tools:
• Web
based open house
flyer creation and mortgage
planning presentations
Reginal Graham
Mortgage Loan Originator
NMLS #230060
• Promotional
• Media
products
outreach
• Co-branded
• Personal
materials
marketing plans
Office
Cell
Fax
HomeBridge Financial Services, Inc.
200 Westpark Drive Suite 300
Peachtree City GA 30269
678-833-0432
404-461-3172
866-590-6529
[email protected]
www.HomeBridge.com/reginalgraham
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.
Partners for the Path Ahead
Product Line
HomeBridge is a FNMA and GNMA direct issuer, which allows us to go direct to the secondary market
without relying solely on the aggregators. Currently, HomeBridge securitizes nearly 95% of all production.
Traditional Products:
Niche Products:
• Conventional
• FHA
• FHA
• FNMA
HomeStyle
• VA
• FNMA
HomePath
• Fixed
and Adjustable Rates
• Jumbo
and Super Jumbo
• Reverse
• USDA
Mortgage
Financing
• Second
Home or Investment Properties
• VA
203(k) and 203(h)
95% Cash Out
• Interest
• Mixed
• Bond
Only
Use or Commercial
Programs
• HomeBridge
• Energy
HomeFixer
Efficient Mortgage
Partners for the Path Ahead
Broker Partners
Partners for the Path Ahead
Correspondent Partners
Partners for the Path Ahead
Renovation Lending
Currently the country’s
third largest
HUD 203(k) lender
A unique
“Renovation Concierge Service”
assists production and operations staff
• Product sales and marketing
Common-sense
approach
•Operational support (collection of contractor docs,
work write ups, appraisals, etc.)
• Managing the entire post closing construction phase
to processing, underwriting
and closing renovation loans
Each file is assigned a personal
Concierge who works with the file
from start to finish
With the Renovation Concierge Team’s help,
everyone at HomeBridge is a
Renovation Lending Expert
Partners for the Path Ahead
Capital Markets
•
•
•
•
•
“Automated” product eligibility and best execution loan pricing
Open-Door Policy encourages regular communication to ask questions or
discuss scenarios
Extended hours to cover all time zones
Product helpdesk support by phone or e-mail to assist Loan Originators in
finding the best product for each client’s situation
Immediate notification as market conditions improve or worsen
Partners for the Path Ahead
Realtor / Builder Advantages
Lock and Shop Program
Project Approval Services
for FNMA and FHA
Extended Rate Locks
Up-front Underwriting
Forward Commitments
Underwriting Scenario Desk
Site Coverage Terms
Partners for the Path Ahead
Operational Environment
•
Processing, underwriting and closing on a regional level
(most branches have on-site processing)
•
Underwriting scenario and exception handling helpdesk by phone or e-mail
•
“Certified Processor” program expedites the closing process by validating DU
approvals and streamlining the clearing of underwriting conditions
•
Effective common sense underwriting for safe and sound lending
Partners for the Path Ahead
Technology Platform
Single platform loan origination system
• Paperless environment
• “Lock online” functionality with
overnight protection
• Electronic delivery of all documents
• Initial disclosure electronic signatures
• Secure eFax numbers
• Helpdesk support via web, e-mail or phone
•
Partners for the Path Ahead
On-Boarding & Education
•
Automated on-boarding portal
quickly converts candidates into
productive associates
•
Two-day hands-on new hire training
•
Job tutorials and step-by-step guides
•
Weekly phone calls with all new hires
•
HomeBridge University, an online
e-learning environment
Partners for the Path Ahead
Human Resources
Benefit
Provider
Medical
Cigna
Dental
Cigna Dental
Vision
Cigna
Flexible Spending Accounts
PrimePay
Life Insurance
Cigna
401(k) with Company Match
The Principal
Short Term Disability
Lincoln Financial
Long Term Disability
Cigna
Additional Life Insurance
Short Term Disability
Additional Benefits Through Aflac Insurance
Personal and Max. Cancer Plans
Personal Accident Plan
Special Event Health Rider
Partners for the Path Ahead
Hear for Yourself
Gain deeper insight into our culture
www.homebridge.com/videos
Check out Rick Floyd’s weekly video blog at
www.ChasingExcellenceBlog.com
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!
Partners for the Path Ahead
www.HomeBridge.com
Rick E. Floyd
Executive Vice President
Office: 678-304-5608
Cell: 770-265-7760
E-mail: [email protected]
www.ChasingExcellenceBlog.com
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.
HomeBridge Financial Services, Inc. NMLS #6521. This is a business-to-business communication for use by mortgage professionals only and is not intended for
distribution to consumers or third parties. It is not an advertisement; as such term is defined in Section 226.24 of Regulation Z.
©2014 HomeBridge Financial Services, Inc. All Rights Reserved