Brad Roche- Promo

THE MORTGAGE PLANNER

About Us

Office 704-728-0191 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”

About Us About Element Funding Founded in 1998, Element Funding is a nationwide lender licensed in 49 states states with with aa funding funding capacity capacity of of one one billion billion dollars. dollars. Since Since 2001, 2001, 49 Element has has maintained maintained an an average average annual annual volume volume of of nearly nearly five five billion billion Element dollars and and provides provides an an exceptionally exceptionally strong strong foundation. foundation. Element Element dollars Funding provides provides customers customers with with cost cost benefits, benefits, purchasing purchasing power power Funding

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

Rely on on us. us.

Rely

and financial financial stability. stability. Element Element Funding Funding is is one one of of the the Southeast’s Southeast’s and fastest growing mortgage lenders. As a well-capitalized, full-service mortgage mortgage banker, banker, Element Element offers offers conventional, conventional, VA, VA, FHA, FHA, USDA USDA and and other mortgage products to best fit your needs.

Element Funding other mortgage products to best fit your needs. Element Funding works with top builders and agents throughout the Atlanta metro works with top builders and agents throughout the Atlanta metro area and assists customers by providing fast approvals, competitive area and assists customers by providing fast approvals, competitive rates and a smooth home financing experience. 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

About Brad

Brad Roche THE MORTGAGE PLANNER

NMLS# 135191 Cell 704.929.7718 broche@elementfunding.com Brad Roche has been a Mortgage Planner for 24 years and continues to rank nationally for his sales volume. He had the privilege of being a National Sales Trainer for 10 years, a Direct Endorsed Underwriter for HUD 10 years and a Licensed Real Estate Agent for 11 years. He has several certifications in Leadership Training and was awarded a Master Graduate in 2000. In addition, he has been lead developer on multi-million dollar projects, in commercial & residential. Recently, Brad has been approved as a certified class instructor with Central Piedmont Community College. They are the largest community college in the U.S. In addition, he is also a best selling author 3 times over sharing his mortgage, coaching and investment property knowledge in his books which are available on Amazon. He has been in many articles and press releases for mortgage related topics as shown below and noted as an expert in his field.

Angela his wife and mortgage partner for over 20 years has been in the mortgage industry for 18 years covering all aspects in operations including processing, closing as well as a Direct Endorsed Underwriter for HUD. For many of those years she has assisted clients with Brad through the mortgage process. She has several certifications in Leadership Training and was awarded a Master Graduate in 2000. In addition she has owned & managed over 100 rental units including commercial and residential properties.

For more information about Brad Roche, visit http://www.themortgageplanner.net https://www.facebook.com/mtgplanner https://twitter.com/themtgplanner

About Us About Element Funding Founded in 1998, Element Funding is a nationwide lender licensed in 49 states states with with aa funding funding capacity capacity of of one one billion billion dollars. dollars. Since Since 2001, 2001, 49 Element has has maintained maintained an an average average annual annual volume volume of of nearly nearly five five billion billion Element dollars and and provides provides an an exceptionally exceptionally strong strong foundation. foundation. Element Element dollars Funding provides provides customers customers with with cost cost benefits, benefits, purchasing purchasing power power Funding

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

Rely on on us. us.

Rely

and financial financial stability. stability. Element Element Funding Funding is is one one of of the the Southeast’s Southeast’s and fastest growing mortgage lenders. As a well-capitalized, full-service mortgage mortgage banker, banker, Element Element offers offers conventional, conventional, VA, VA, FHA, FHA, USDA USDA and and other mortgage products to best fit your needs.

Element Funding other mortgage products to best fit your needs. Element Funding works with top builders and agents throughout the Atlanta metro works with top builders and agents throughout the Atlanta metro area and assists customers by providing fast approvals, competitive area and assists customers by providing fast approvals, competitive rates and a smooth home financing experience. 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

Danielle Danielle Bak Bak Meet Our Team Meet Meet Our Our Team Team AngelaAngela RocheRoche Office Manager Office Manager

Angela Roche AngelaAngela RocheRoche Office Manager

Office Manager Office Manager

ExecutiveExecutive Loan Officer Loan Offic AssistantAssistant

Danielle Bak Jennifer Rakes Shaunti Wilmore Wilmore Mary Koviak Mary Koviak Danielle Danielle BakShaunti Bak Jennifer Jennifer Rakes Rakes Executive Loan Officer Loan Partner

Assistant NMLS# 938063 Executive AssistantAssistant Executive Executive Loan Officer Loan OfficerExecutive Loan Partner Loan Partner Loan Processor Loan Processor to Brad Roche AssistantAssistantto Brad Roche NMLS# 938063 NMLS# 938063

Brad Roche

Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

Shaunti Wilmore haunti Shaunti Wilmore Wilmore Executive Assistant to Brad Roche Executive Executive AssistantAssistant to Brad Roche to Brad Roche

Thomas Bush Thomas Thomas Bush Senior LoanBush Officer

NMLS# 108137 Senior Loan Senior Officer Loan Officer NMLS# 108137 NMLS# 108137

Mary Koviak Glenn Chavis Thomas Thomas BushGlenn BushGlenn Leigh Kugler Leigh Kugler Director of Business Mary Mary KoviakKoviak ChavisChavis

Relations Loan Processor NMLS# 99324 Loan Director Director of Business of Business Senior Loan Senior Officer Loan Officer Senior Senior Officer Loan Officer Relations Relations Loan Processor Loan Processor NMLS# 108137 NMLS# 108137 NMLS# 41392 NMLS# 41392 NMLS# 99324 NMLS# 99324

Leigh Kugler Leigh Kugler Leigh Kugler Senior Loan Officer

NMLS# 41392 Senior Loan Senior Officer Loan Officer NMLS# 41392 NMLS# 41392

Sumner Corrigall Sumner Sumner Corrigall Corrigall Loan Officer Assistant NMLS# 1573456 Loan Officer LoanAssistant Officer Assistant NMLS# 1573456 NMLS# 1573456

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 Element Funding Team is one of the things that has helped make me successful in real estate. The entire team is very responsive to my clients’ 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 Element Funding 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 Element Funding 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. Element Funding has been my go to lender for over 10 years. They 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).

They also go above and beyond for their business clients as well. I look forward to our continued business relationship, and working with them 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 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 Element Funding 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 Element Funding 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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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.

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

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

203K Dream Loan: Loans up to

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

HUD $100 Down: For eligible properties that only require $100 down on the property.

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.

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

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.

HARP: For homeowners who owe more than the value of their home.

DeAnn Ellis DeAnn Ellis Loan Officer Loan Officer

DeAnn Ellis

DeAnn Ellis no down payment.

Element Funding Element Funding Loan Officer Loan Officer

DeAnn Ellis Phone: (678) 259­0205 Phone: (678) 259­0205

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

DeAnn Ellis Phone: (678) 259­0205

DeAnn Ellis Phone: (678) 259­0205 Element Funding Fax: (404)537­1846 Fax: (404)537­1846 Element Funding Loan Officer Cell Phone: (770) 616­8042 Loan Officer

DeAnn Ellis Cell Phone: (770) 616­8042 Phone: (678) 259­0205

DeAnn Ellis deannellis@elementfunding.c deannellis@elementfunding.com Phone: (678) 259­0205 Element Funding Fax: (404)537­1846 Element Funding Loan Officer Fax: (404)537­1846

DeAnn Ellis Cell Phone: (770) 616­8042 Loan Officer www.elementfunding.com/de

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

LS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to deannellis@elementfunding.c

USDA: Rural financing with

Application Checklist

NEEDS LIST

Loan Application Documents Needs List

ALL BORROWERS:

ALL BORROWERS: m W-2’s for last two years W-2’s for last two years m Most current paycheck stubs Most current paycheck stubs mC hecking and Savings account statements to Checking and Savings account statements to include all include all ifpages even if blank (last 2 months) pages even blank (last 2 months) m Quarterly Q uarterlyoror semi-annual statements for checking, semi-annual statements for checking, savings, IRA’s, CD’s, money market funds,market stocks, 401K, sharing savings, IRA’s, CD’s, money funds,profit stocks, etc.

401K, profit sharing etc. executed salessales contract m Copy Copyofoffully fully executed contract Employment history for last two years m Employment history for last two years Residency history for last two years complete with landlord m or R esidency history for last information two years complete with mortgage company contact landlord or mortgage company Canceled earnest money check whencontact it clears information security card and driver’scheck licensewhen for all it borrowers m Social Canceled earnest money clears and m non-purchasing S ocial securityspouse card and driver’s license for all Tax returns from past two years spouse borrowers andthe non-purchasing Copy of Note, Deed of Trust, Settlement Statement, and m Tax returns from the past two years Survey if refinancing. m Any C opy of Note, Deed ofpayment, Trust, Settlement assets used for down closing cost,Statement, cash and Survey if refinancing. reserves, and large deposits must be documented by a paper trail. m Any assets used for down payment, closing Copiescost, of sold properties if paidand off mortgage in last two years cash reserves, large deposits must be documented by a paper trail. m Copies of sold properties if paid off mortgage in last two years

SELF EMPLOYED BORROWERS:

SELF EMPLOYED BORROWERS: m Copies of most recent 2 years tax returns with all Copies of most recent returns with all schedules schedules including2 years K-I’s iftax applicable including K-I’s if applicable m Current Currentprofit, profit, lost statement, and balance sheet lost statement, and balance sheet m Copy Copyofofcorporate/partnership corporate/partnership tax returns most tax returns for most for recent recent 2-year period if owning 25% or more of 2-year period if owning 25% or more of company-copies of W-2’s and/or 1099 forms company-copies of W-2’s and/or 1099 forms

MISC. REQUIRED DOCUMENTS: MISC. REQUIRED DOCUMENTS:

m Relocation Relocation Agreement if financed by employer, Agreement if financed by employer, i.e.buyout i.e.buyout agreement plus documentation agreement plus documentation outlining company, outlining and paid closing costsand benefits company, paid closing costs benefits needneed copies of petition for bankruptcy m Previous Previousbankruptcy, bankruptcy, copies of petition for and discharge, including supporting schedule bankruptcy and discharge, including supporting Divorce Decree signed by judge if applicable schedule Documentation supporting moneys received from social m security/retirement Divorce Decree trust signed by judge if applicable income, i.e. direct deposit bank m statements, Documentation supporting moneys received from awards letter, evidence of income social security/retirement trust income, i.e. direct DOCUMENTS FORstatements, VA LOANS: awards letter, evidence of deposit bank Original Certificate of Eligibility and copy of DD214 Certificate income of Release or Discharge from Active Duty

Name and address of nearest DOCUMENTS FORliving VArelative LOANS:

m Original Certificate of Eligibility and copy of DD214 Certificate of Release or Discharge from Active Duty m Name and address of nearest living relative

Copyright 2017 All Rights Reserved | Brad Roche, NMLS ID#135191. | Element Funding | www.nmlsconsumeraccess.org North Carolina - Mooresville - Commissioner of Banks, Mortgage Lender License, L-112833-194 South Carolina - Mooresville NC Branch - Dept. of Consumer Affairs, MLB-1298133 OTN #1, Board of Financial Institutions

The Mortgage Process

The Mortgage Process, Step by Step

Before you purchase a home, get acquainted with the basics of the home loan process. Follow these steps to familiarize yourself with common terms and milestones, and for a smoother overall buying experience. You’ll be glad you did!

Preapproval:

A preapproval helps you know in advance how much home you can afford. To start, you may be asked to complete a loan application. Completing this step will also increase your negotiating power when making a purchase offer.

Documentation: Paperwork supporting the application must also be submitted, which includes income

and asset documents.

The Hunt: Begin shopping for a house. Once you find the right one, the terms of the sale will be negotiated, including the price and potentially the terms of the loan being sought. A professional real estate agent can make this part of the process fun and less frustrating.

Inspection and Appraisal: Lenders require an appraisal and may require certain inspections on all

home sales. By knowing the true value of the home, the borrower is protected from overpaying. During this time, a title examination is also performed to determine whether any liens exist on the property’s previous owners.

Loan Decision: The loan is approved or declined. A conditional loan approval may be contingent on additional documentation or actions. In some cases a counter approval may be provided with alternative loan options.

Closing: All final loan and escrow documents are signed. The lender confirms and completes the transaction with the necessary loan funds.

If you or anyone you know has questions regarding the home loan process, I’m happy to help. Get in touch today.

Moving Checklist MOVING DAY ________________ START TIME _________________ m Book truck and/or movers m Arrange child care for day of move m Arrange pet care for day of move

PACKING

m Purchase and/or collect boxes m Get bubble wrap, newspaper/ tissue and packing tape m Print labels for boxes or have a thick black marker on hand m Collect giveaway items to donate m Purge unneeded items m Keys m Stanley Knife

PERSONAL ITEMS m Daily medications m Toiletries m First aid kit m Baby needs m Pet needs m Change of clothes m Phone chargers m Radio

HOUSEHOLD

m Toilet Paper m Soap (dish, laundry, etc.) m Cleaning kit m Bed linen m Towels m Pillows

CHANGE ADDRESS

m Post office m Government m Veterans Administration m Library m Friends and Family m Banking (order new check book) m Insurance m Doctor m Dental m School m Place of Employment m Cell phone m Credit Card m Subscriptions (magazine, newspaper etc.)

SERVICES TO DISCONNECT AND/OR TRANSFER

m Cable m Internet m Phone m Electric m Alarm m Gas m Water m Sewer m Trash & Recycling m Toll Pass

CONTACT

m Lawyer m Accountant m Broker m Hair Stylist m Dry Cleaner m House of Worship

REGISTRATION

m Driver’s license m Vehicle registration m Electoral roll m Medicare m Organ donation register m Loyalty program

CLUBS

m Health & fitness m Country Club

MISCELLANEOUS

m Cleaning arrangements m Change locks on new home m Schedule needed maintenance m Save all moving receipts m Meal plan for first few days

BRAD ROCHE

BRAD ROCHE For Brad Roche, the mortgage industry has become something of a family tradition. Brad is a Loan Consultant with Element Funding in the Lake Norman/Charlotte area of North Carolina. He learned about the industry from the ground up by working at his father’s brokerage company.

Brad grew up in Michigan, where his father owned a mortgage company called Mortgage Plus. It had a staff of around 100 and eight offices located in Kalamazoo and its environs. Brad began working at Mortgage Plus when he was a junior in high school. He did simple administrative tasks, like putting together first time home buyer booklets and other types of marketing documentation. As he got older, his father gave him more and more

Copyright Top Agent Magazine

responsibilities until he was ready to become his father’s assistant. By the year 2000, Brad had truly learned and worked in all aspects of the business, including how to underwrite FHA loans, and his father made Brad a partner. When health problems caused his father to take a leave of absence from the business, Brad became in charge of the company.

With his deep knowledge of the mortgage industry, Brad was a recognized as a local expert in the field and was invited to become a part-time senior coach at a leadership training company called The Core Training. Brad loves working with people and is a natural teacher. He enjoyed his coaching duties for 10 years while running his company.

Michigan was badly affected by the recession that began in 20082009, and Brad was forced to merge the company with a larger lender. During this time, the owner of The Core Training wanted to set up a mortgage business in North Carolina and invited Brad to come down to run an office in 2009-2010.

North Carolina’s economy was in

much better shape at the time, and Brad jumped at the opportunity to continue doing the work loved in a new environment that offered greater opportunities.

Brad also continued his coaching and mentoring activities, and he once again established himself as an expert in the local market. When Element Funding wanted to set up an office in North Carolina, they asked Brad for help. Element Funding has offices throughout Georgia and Florida. The office in Charlotte was their first foray into the state. He liked the company’s systems and approach to branch management,

so he joined Element Funding at the very beginning of 2015.

It’s a great opportunity for both Brad and Element Funding. Brad has earned numerous awards and citations over the years, including being cited as one of the top 1% of loan originators for three consecutive years by Mortgage Executive Magazine. Working for the company is giving Brad the opportunity to expand his offerings.

Brad’s success comes from his amazing customer service that he calls “White Glove Service,” meaning he gives special attention and care to his Copyright Top Agent Magazine

clients “during the process”. Brad’s goal is to always exceed expectations.

He stands by his word and consistently delivers on time. He’s known as The Mortgage Planner, and his expertise has helped his clients save thousands of dollars over the term of their loan term. Almost all of his new business comes from referrals from his real

one hour radio show that airs every Sunday on four local stations. His wife Angela, who has over 18 years of real estate experience and several certifications, is his partner. She works closely with clients covering all aspects of processing and closing.

Raising two sons and running a thriving business makes for a busy life for this dynamic couple, but Brad’s many clients and the many real estate professionals he’s helped along the way are grateful he finds the time to do it all.

estate partners and past clients, many of whom have become his long-time friends because of the positive impact he’s had on their lives.

For more information: 704.728.0191 brad@themortgageplanner.net www.bradrochemortgage.com

Besides his busy work schedule, Brad continues to coach and mentor other brokers and loan officers, as well as hosting a new informative

Coaching Site / Marketing Platform www.MortgagePlannerMarketing.com

Copyright Top Agent Magazine

(http://nationalmortgageprofessional.com/print/news/57379/national-mortgage-professional-magazine%E2%80%99s-40-under-40-2

(/news/57379/national-mortgage-professional-magazine%E2%80%99s-40-under-40-2015) In our seventh annual “40 Under 40” feature, you will find a list of the top mortgage professionals under the age of 40, as voted on by their peers

In our seventh annual “40 Under 40” feature, you will find a list of the top mortgage professionals under the age who exemplify professionalism and top production in today’s housing market. Despite the rough waters of the U.S. economy and the ever-shiftin of 40, as voted on by their peers, who exemplify professionalism and top production in today’s housing market. landscape known as the mortgage industry, these 40 professionals have persevered in a time of regulatory uncertainty.

Despite the rough waters of the U.S. economy and the ever-shifting landscape known as the mortgage industry, In assembling this list,have we atpersevered National Mortgage Magazine took some criticism when we began this endeavor. Many felt a list of this these 40 professionals in aProfessional time of regulatory uncertainty.

nature ignored many, and others felt that a list of this type is a “thing of the past,” while some even cited age discrimination, but we firmly stood our decision to assemble this group. Like their industry pioneers before them, these individuals are the ones who carried the torch of professiona assembling this list, we at National Mortgage Professional Magazine took some criticism when we began in the year 2015 and beyond.

In this endeavor. Many felt a list of this nature ignored many, and others felt that a list of this type is a “thing of the We’d like to congratulate all of the discrimination, following individuals named to our “40 Under listdecision for 2015—in particular order but alphabetical—and th past,” while some even cited age but we firmly stood by40” our tono assemble this group.

Like Under 40” feature. all the nominees for their participation in our “40 Under 40: The 40 Most Influential Mortgage Professionals their industry pioneers before them, these individuals are the ones who carried the torch of professionalism in the year 2015 and beyond.

Daniel Andersen Senior Mortgage Banker

Peoples Home Equity ♦ Oak Brook Terrace, Ill.

Web site: RatesByDan.com (http://RatesByDan.com)

Brad Roche Mortgage Planner

With just eight years in the mortgage business, Daniel Andersen has surpassed each and every goal that he set for himself when he began, to be the Mortgage Professional that everyone wants to work with. Daniel is a senior mortgage banker at Peoples Home Equity, and has builtElement The Andersen Team. Daniel is very knowledgeable and his customer focus is commendable. He Funding ♦ Charlotte, N.C.

works hard to ensure that every borrower has the best loan experience. Daniel has more than 175 Five-Star Zillow reviews, and is pleased to be

of the 40 Under 40 this year!

Twitter:

Abhinav Asthana

@TheMTGPlanner Facebook: Facebook.com/MTGPlanner Web site: TheMortgagePlanner.net

Product Manager and Head-Mortgage Center of Excellence(http://www.addthis.com/bookmark.php? v=300) Wipro Gallagher Solutions Inc. ♦ Franklin, Tenn.

Twitter: Twitter.com/AsthanaAbhinav (http://Twitter.com/AsthanaAbhinav)

LinkedIn: LinkedIn.com/in/Abhiasthana (http://LinkedIn.com/in/Abhiasthana) (http://www.addthis.com/bookmark.php? v=300) Web site: WiproGallagher.com (http://WiproGallagher.com)

Brad Roche, loan originator and mortgage planner for Element Funding in Charlotte, N.C., has been manages enterprise origination product innovation consulting He is a design enthusiast a loan Abhinav officer Asthana for 21 years andthehas been loan ranked as one of the top oneand percent of strategy. all mortgage and over the course of the last five years, he has led strategies in re-imagining borrower's journey and has been championing Borrower Journey originators in the U.S. by Mortgage Executive Magazine from 2012-2014. He is a best-selling (http://www.addthis.com/bookmark.php?

Engineering and Design Thinking in the mortgage industry. He has published thought papers on creating digital process “pathways” for Millenni v=300) author and has a weekly radio show that is broadcast in the Carolinas on CBS, FOX and borrowers. Abhinav has been a trusted adviser to several of Wipro’s clients in the mortgage space and has helped them re-imagine their borrow ESPN. He is also a national sales trainer and offers his marketing expertise. Brad is journeys in addition to adding mobile capabilities to help their sales staff offer “concierge-like” services to their borrowers. widely known as “The Mortgage Planner.” (http://www.addthis.com/bookmark.php? v=300)

Brad Roche

The Mortgage Planner Element Funding NMLS# 135191 704-728-0191 Office 704-929-7718 Cell www.themortgageplanner.net 200E North Harbor Place Davidson, NC 28036 702B Brawley School Road Mooresville, NC 28117 6100 Fairview Road Charlotte, NC 28117