DeAnn Ellis Team

www.EllisMortgageTeam.com

About Us

Office 678-259-0205 Direct Lender - In-House Processing In-House Underwriting means faster loan approvals and higher pull through.

Communication

We communicate throughout the loan process, explaining it clearly, while educating you on the product choices that fit your individual needs.

Experience & Integrity

Over 100 years of combined residential lending experience, Element Funding will seamlessly guide you through the home buying process.

Customer Service

We are committed to providing excellent customer service that you deserve.

‘’A High Powered Mortgage Company With A Hometown Feel”

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

About Us About PRMI and Element Funding Founded in 1998, Primary Residential Mortgage, Inc. [PRMI] is a nationwide lender licensed in 49 states with a funding capacity of one billion dollars. Since 2001, PRMI has maintained an average annual volume of nearly five billion dollars and provides an exceptionally strong foundation. As a division of PRMI, Element Funding provides customers with cost benefits, purchasing power and financial stability.

Through Element Funding and PMRI, we offer you strength, trust and integrity.

Rely on us.

Element Funding is one of the Southeast’s fastest growing mortgage lenders. As a well-capitalized, full-service mortgage banker, Element offers Conventional, VA, FHA, USDA and other mortgage products to best fit your client’s needs. Element Funding’s Covington and Monroe branches work with top builders and agents throughout the Georgia and Florida area to assist customers by providing fast approvals, competitive rates and a smooth home financing experience.

Core Values • Integrity in the loan process • Innovation in products, programs and services • Support for our partners • Caring for the communities we serve • Exceptional customer service

Your Satisfaction Built upon trust, commitment and dependability, we are dedicated to creating an enduring relationship with you and meeting your needs.

As your partner in home financing, your ultimate satisfaction is very important to us.

The Difference We offer you a skilled team of mortgage experts.

• Upfront underwriting within 48 hours of loan submission • Processing and closing within the branch • Operations team together for more than 20 years • Fast closings • Great rates

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

About DeAnn

DeAnn Ellis

SENIOR MORTGAGE CONSULTANT, EXT 700

NMLS# 148916 Cell 770-616-8042 DeAnnellis@elementfunding.com DeAnn Ellis has been a leader in the mortgage industry for two decades. She built her expertise in home lending by working for various lenders and previously owned her own mortgage company. She currently is Senior Loan Officer for Element Funding in Covington, Georgia. DeAnn and her team service all of Georgia.

Through the years, DeAnn has been recognized for her expertise and has earned Top Producer honors. She won the Element Funding President’s Club award in 2015, and in 2016 she received the “Expert Network Distinguished Mortgage Professional Award”. DeAnn was also featured as a top mortgage professional and on the cover of the December 2015 edition of Top Agent Magazine. In 2017 DeAnn was on the cover of Featured Agent Magazine. She is also the author of The Mortgage Storm.

DeAnn is a member of the Chamber of Commerce, East Metro Women’s Council of Realtors® and the East Metro Board of Realtors® where she serves on various committees. She also serves on the board for Action Ministries, an agency established to feed hungry children. DeAnn is also an instructor for American Real Estate University. In 2016, DeAnn was recognized in the Top 1% Mortgage Originators by Mortgage Executive Magazine. Member of Walton/Barrow Board of Realtors. Member of Walton/Barrow Chamber of Commerce.

For more information about DeAnn Ellis, visit www.EllisMortgageTeam.com www.ElementFunding.com/DEllis www.Facebook.com/Element-Funding-DeAnn-Ellis www.LinkedIn.com/in/DeAnn-Ellis-10418249 A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

Meet Our Team

Pamela Ball

Jackie Jackson

MORTGAGE CONSULTANT, EXT 701 NMLS# 275166 Cell 678.873.9070 pamelaball@elementfunding.com

MORTGAGE CONSULTANT, EXT 704 NMLS# 263700 Cell 678.614.2143 jackiejackson@elementfunding.com

Melissa Kerbow

Ronnie Godwin

MORTGAGE CONSULTANT, EXT 702 NMLS# 715476 Cell 678.898.0933 mkerbow@elementfunding.com

MORTGAGE CONSULTANT, EXT 708 NMLS# 1592553 Cell 678.878.0886 rgodwin@elementfunding.com

Meet Our Team

Wendy Lopez

LOAN PROCESSOR, EXT 705 wendylopez@elementfunding.com

Ashley Campbell

LOAN PROCESSOR, EXT 703 NMLS# 1406920 Cell 678.858.3760 acampbell@elementfunding.com

Cynthia Gant

LOAN SETUP cynthiagant@elementfunding.com

Meet Our Team

Kayla Ellis

LOAN OFFICER ASSISTANT Cell 706.819.0225 kellis@elementfunding.com

Debye Swilley

MARKETING DIRECTOR Cell 678.776.4951 dswilley@elementfunding.com

Congratulations on being awarded by Mortgage Executive Magazine as a

TOP 1%

Mortgage Originators In America 2016 DeAnn Ellis-Element Funding

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

Reviews I know you don’t hear it enough but I just wanted to say thank you for always keeping me 100% up to date on all of my clients and always taking the time to go above and beyond even after hours. You guys are absolutely the best lender period. I don’t know what I would do without you guys.

You make my job almost fool proof. I know if you guys are working with my client I have nothing to worry about.

Thanks again,

Lori Seabolt

RE/MAX Agents Realty

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Working with the DeAnn Ellis Team is one of the things that has helped make me successful in real estate. The entire team is very responsive to my clients¹ needs and also to mine which makes my job easier and my clients happy. They are very involved in the entire process, from contract acceptance to closing. I highly recommend working with the DeAnn Ellis Team when you want perfection in real estate transactions.

Cindy Samagalsky, Realtor

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2015 Million Dollar Producer Award McGinnis Realty Thanks once again DeAnn Ellis and Team!

I would like to thank you again, for another outstanding Loan process and closing. Working with you and your team for the past few years has made my job as a Realtor® so easy! My Clients love the fact your team is completely upfront about the costs and process to Home Buying. I love the way you earn the clients trust through professionalism and being responsive. Everyone¹s knowledge of the products available and attentiveness is what my clients rave about! You all definitely make me feel confident that I¹m working with a great company and a great partner for lending!

I look forward to the next closing, LeAnne Long, Realtor® Top Producer

LeAnne Long, Broker/Owner

East Metro Atlanta’s 2014 REALTOR® of the Year RE/MAX Around Atlanta East, Luxury Residential / Commercial

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As a Real Estate Professional with over 15 years experience, it is very important to have a good business relationship with a lender. DeAnn Ellis with Element Funding has been my go to lender for over 10 years. She (as well as her team) share the same three fundamental values as I do with all of my Clients and Customer: Exceptional Customer Service, Explaining the Home Buying/Mortgage Lending Process, and Getting the Deal Closed (on time).

DeAnn also goes above and beyond for her business clients as well. I look forward to our continued business relationship, and working with her as we help others into Home Ownership.

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Letitia Edwards, Associate Broker

RE/MAX Around Atlanta East

Thank you so much for the gift! My husband and I really appreciate all of your help with helping us achieve our goal of buying our first home.

Pamela and Wendy are just fantastic! We are so glad to have you as our Lender.

Thank you again and have a great day!

Elizabeth & Valdez Simpson

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Everyone’s home buying experience should be as exceptional as ours was at Hanely Mill. Every person involved from start to finish provided amazing service, and made it seem like they were working for US and not just trying to sell us something. Big shout out to Jane, our realtor at the Homestore and Melissa from Element Funding-we would recommend them to anyone and everyone. And the best part-our home is beautiful (especially considering the price) and is a perfect fit. We couldn’t be happier! ~Christopher Biagiotti “I just love receiving reviews like this from satisfied customers. Thank you Element Funding for a job well done!”

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Jane Cole, Realtor

The Home Store

I would highly recommend The DeAnn Ellis team to all of my clients. They are all very professional, friendly and are very knowledgeable with all the current programs, regulations, etc. They also keep you up to date with every step of the loan process throughout the whole transaction. I have been a licensed Realtor/Broker/Business Owner in the Real Estate business for almost 20 years so I have done business with numerous leaders and DeAnn Ellis is my number one choice and has been for many years.

Tonya Bullard, Broker/Owner Pinnacle Realtors Multi Million Dollar Producer

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Reviews

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

Attention Agent What to expect from the Ellis Mortgage Team:

We would be honored to work with you and will promise to provide you and your client with amazing service. What makes us stand out? Here are just a few items:

Always available to answer all questions that you or your borrower have. We have an “open door” policy at Element Funding and invite borrowers to stop by anytime. We also have an office line and cell that we use so we are easily reached.

We provide you and your borrower with weekly updates of where in the process the loan is.

Automated emails also go out from time to time when the status on the loan changes.

Once the file is officially approved out of Underwriting, we send a congratulatory gift to the borrower on behalf of you, the agent, and The Ellis Mortgage Team. The gift is sent to the borrower’s work address, giving exposure and hopefully helping you build your referral base.

We invite you to allow us to help your seller if they are purchasing a home. We will create a flawless transaction – back to back closings. As a bonus, we will waive the appraisal fee for the seller.

e want to help build your referral base too! To do that, we send W popcorn baskets to the borrower’s place of employment on behalf of you, the agent and my team. This allows maximum exposure for possible referrals.

I n house Processing, Underwriting and Closing departments. We have immediate access to all these departments making the whole process easier and efficient.

nce the loan closes, we give the borrower a personalized gift for their O new home.

These steps have been implemented so not only we, the lender, stand out but YOU do as well. We are commited to having a long-term relationship with our borrowers and agents. With over 60 years combined in the mortgage industry, it is our goal to make sure everyone involved has the best experience possible to build future business and relationships in the process.

Element Express Element Express:

Element Express was implemented to provide you, the agent, a piece of mind when helping potential buyers. This process ensures that the borrower’s documentation has been reviewed and conditionally Underwritten, which reduces the chances for unforeseen circumstances.

The Steps:

Credit preapproval – this is based on the credit report and the information the borrower provided without providing any documentation.

We issue a credit approval letter and request supporting documentation so we may review the accuracy of the information provided by the applicant.

The applicant has 48 hours to return necessary documentation to review.

Commitment Approval - within 24 hours after receipt of the documents requested, the file is reviewed and Underwriting approved. You and the borrower will receive a Commitment Certificate that is verification that the applicant passed one or more underwriting verifications.

This certificate is subject to the appraisal, other conditions related to the property and final approval* by an Underwriter.

By following these steps, it also ensures we are ahead of the game when it comes to completing the file once we receive a contract from you. Since we already have most or all documentation from the borrower, our timeframe is drastically reduced and we are able to meet all closing dates** per the contract. *Final approval may require additional information from the applicant, changes to the applicant’s creditworthiness or financial position or changes in the market may affect the loan amount for which the applicant may qualify. **USDA and DCA/GA Dream closing dates cannot be guaranteed due to their UW turn-times.

ELEMENT EXPRESS Borrower

Loan Number

This certificate is verification that the listed applicant and loan number have passed one or more underwriting verifications and the applicant is conditionally approved to purchase a home up to $________________ at ______%, subject to appraisal and other conditions related to the property (ie: satisfactory title search, etc) and final approval* by an underwriter.

Loan Officer

NMLS Number

*Final approval may require additional information from the applicant, changes to the applicant’s creditworthiness or financial position or changes in the market may affect the loan amount for which the applicant may qualify.

Loan Products

Our wide selection of loans helps you win with every client.

We offer full-service lending support from start to finish, updates throughout your transactions, great underwriting turn times, and a wide selection of loan products to match your clients with the perfect loan for them!

FULL ACCESS TO THE HOTTEST PRODUCTS Conventional: The “traditional” loan. Low rate, low down payment.

FHA: A great government-backed loan for first-time home buyers or those with higher debt to income ratios.

USDA: Rural financing with no down payment.

203K Dream Loan: Loans up to

Adjustable Rate Mortgage (ARM): Start off with a fixed rate for

a period of time and then turn into an adjustable rate.

Jumbo: For larger loan amounts -up to $2.5 million.

Refinance: For individuals who

currently own a property and are looking to either improve their financial situation or take out cash from their property’s equity.

PRMI Choice: Special financing for FICOS between 500 and 640.

$31,000 above purchase price toward home repair or remodel.

HUD $100 Down: For eligible properties that only require $100 down Department of Banking and Finance 6521 on the property.

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be availabl approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and co content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by an

Our records indicate that Element Funding may contact you by email to send you relevant and timely i promotional emails from Element Funding, please click the link below Element Funding DeAnn Ellis 1108 Clark Street Covington, GA 30014

Investment: For those looking to finance property they don’t plan to occupy, and will rent to others.

VA: A product tailored to individuals

who are serving/have served in the military.

DeAnn Ellis Loan Officer

DeAnn Ellis Element Funding Loan Officer

DeAnn Ellis Phone: (678) 259­0205 For homeowners who owe Element Funding Loan Officer Cell Phone: (770) 616­8042 more than the value of their home.

Phone: (678) 259­0205

DeAnn Ellis Fax: (404)537­1846

DeAnn Ellis Element Funding Cell Phone: (770) 616­8042 Loan Officer Phone: (678) 259­0205

deannellis@elementfunding.c Loan Officer DeAnn Ellis Fax: (404)537­1846 Element Funding

DeAnn Ellis Cell Phone: (770) 616­8042 Loan Officer www.elementfunding.com/de Element Funding deannellis@elementfunding.c Phone: (678) 259­0205 Loan Officer Fax: (404)537­1846 Element Funding NMLS #: 148916 Phone: (678) 259­0205

DeAnn Ellis www.elementfunding.com/de Cell Phone: (770) 616­8042 Element Funding deannellis@elementfunding.c Phone: (678) 259­0205

Cell Phone: (770) 616­8042 Loan Officer

DeAnn Ellis NMLS #: 148916 Fax: (404)537­1846 Phone: (678) 259­0205 www.elementfunding.com/de Cell Phone: (770) 616­8042 Fax: (404)537­1846 Element Funding Loan Officer deannellis@elementfunding.c PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to

HARP:

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

Application Checklist

Being prepared is also a great way to speed up the loan process.

Use this helpful checklist to gather the documentation needed for your home financing: • Your Social Security number • Current pay stubs or, if self employed, your tax returns for the past two years • Bank statements for the past two months • Investment account statements for the past two months • Life insurance policy • Retirement account statements for the past two months • Make and model of vehicles you own and their resale value • Credit card account information • Auto loan account information • Personal loan account information

If you currently own Real Estate, you will also need to have the following items: • Mortgage account information • Home insurance policy information • Home equity account information (if applicable)

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC.

DeAnn Ellis

DeAnn Ellis From the outset, DeAnn Ellis relished the challenges of becoming a loan officer. As a single mother, she learned early on the necessity of hard work and applied that same diligent spirit to her role in the mortgage industry. Beginning her career as a bank teller, DeAnn ambitiously approached her branch manager and asked for more responsibility to work as a lender. Undaunted by the training required, DeAnn got to work and ultimately earned her license, swiftly ascending the ranks of her industry to become a regional top producer at the young age of 22. Almost two decades later, DeAnn has cultivated a striking reputation built on integrity, follow through, and an unflagging work ethic.

Copyright Featured Agent Magazine

While DeAnn is licensed throughout the state of Georgia, she and her team of eight mortgage professionals primarily serve greater Atlanta’s eastern region, including Covington, Conyers, Loganville, and Winder. As top producers under the banner of Element Funding, DeAnn and her team focus on purchase lending. Their office extends a range of products to homebuyers from all walks of life — from Conventional, FHA and VA, to USDA, Georgia Dream, and many more. With her clients’ long term financial success squarely in focus, DeAnn also lends her seasoned perspective to hopeful homebuyers seeking to establish better credit, or in helping firsttime homebuyers navigate the intricacies of the

lending process. All in all, DeAnn’s working philosophy is epitomized by forthright communication, responsiveness, and determination on her clients’ behalf. “As a team, we always try to be on the cutting edge of the industry and stay consistent with our clients,” DeAnn explains. “Our goal is to exceed expectations.”

Persistence and a never-say-die attitude are built into the very fabric of DeAnn’s work. Not only did her unassailable ethic drive her early days of success in the industry, but she also keeps that same entrepreneurial spirit alive by setting an example for her team as well as her two daughters. “If you work hard,

the sky is the limit,” she reflects. “When you do something that you love and you’re called to do — it’s not a job. You’re helping people achieve the goal of homeownership. I try to be a role model to my kids and let them know that you have to be able to count on yourself and work hard every step of the way.” It is that same tenacity that clients and agent referral partners count on when enlisting DeAnn’s services, confident in her ability to deliver time and time again.

As deeply rooted members of their local community, DeAnn and her team give back through participation with Action Ministries, a hunger relief program Copyright Featured Agent Magazine

“As a team, we always try to be on the cutting edge of the industry and stay consistent with our clients.

Our goal is to exceed expectations.”

serving children in the area. Together, they participate in organizing backpack lunches for kids in need, in addition to contributing to a summer program ensuring that a lack of school doesn’t mean a lack of food for children at risk. DeAnn’s office fundraises for the program year-round. In her rare free hours, DeAnn enjoys spending time with her children and supporting her youngest daughter’s competitive cheerleading efforts.

As for the future, DeAnn has plans in place to further

her team’s development, with hopes to foster new talent as volume continues to grow year over year.

Likewise, DeAnn values continuing education and applies it to her business model to ensure officers are ahead of the curve when it comes to new technologies and products, all to maximize their ability to serve as many people as possible en route to homeownership. With a track record of success that spans nearly two decades and an unrelenting spirit of ambition and service, there are certainly no signs of slowing for DeAnn Ellis and her team.

DeAnn Ellis

Element Funding | Covington, GA Loan Officer NMLS #148916 678.259.0205 | deannellis@elementfunding.com | www.ellismortgageteam.com Copyright Featured Agent Magazine

DeAnn Ellis

Senior Mortgage Consultant Element Funding NMLS# 148916 678-259-0205 Office 770-616-8042 Cell 1108 Clark Street Covington, GA. 30014 www.elementfunding.com