Recruiting booklet lo recruit9 6wm by Lili Macklin

Find your future here!

If you have a way with people and numbers, then originating mortgage loans at Residential Finance could be a richly rewarding career for you. To help you succeed, we make sure our loan officers have top-notch training, tools and team support. Plus, our positive, encouraging atmosphere offers plenty of opportunities for you to enjoy yourself –─on and off the job. After all, when you’re happy and successful, so are we.

Contact me today Jane Branch Senior Loan Officer NMLS #: 123456 Tel. 123.123.1234 Ext. 1234 Tol. 888.123.1234 Ext. 1234 Cel. 123.123.1235 Fax. 123.123.2222 jane.branch@myrfc.com janebranch.myrfc.com One Easton Oval Suite 400 Columbus, Ohio 43219 Equal Opportunity Employer

for mortgage loan professionals

Exceptional opportunities

WELCOME TO

Residential Finance Providing a culture of excellence Come join the power-packed team of mortgage professionals at Residential Finance! We put so much emphasis on expertise, efficiencies and a positive culture, it’s no wonder we continue to attract and retain top-producing talent within our market.

Our industry position Lending experts since 1997 Residential Finance is a nationwide mortgage lender specializing in helping borrowers find the ideal loan to fit their homeownership goals—whether buying, refinancing or investing. Respected throughout the financial community for our expertise and wide lending-product mix, we’re most proud of the quality service we deliver to our clients. We attribute this to the dedication and expertise that committed mortgage professionals, like you, put to work for us day after day. Founded in 1997 and based in Columbus, Ohio, we operate several regional operations centers and branch locations across the country.

Service: If you can’t get your loans closed with speed,

Licensing: You’ll have a dedicated licensing and compliance team to support you in maintaining your current licensing, as well as increasing your licensing footprint.

in the business. That’s why you’re given 50 hours of in-depth training by successful mortgage professionals who know what it takes to succeed.

Training: We expect our loan officers to be among the best

for you to better meet the borrowing needs of your clients. With FHA “Full Eagle” certification and VA automatic authority, our home loan products include FHA, VA, USDA, 203(k), fixed-rate, adjusted rated, conventional and jumbo and more.

Lending: Our wide array of lending options makes it possible

accuracy and simplicity, little else matters. Aided by our remarkably strong back-office support, you’ll have what it takes to make your customers happy.

PAGE 1

Table of Contents Our business philosophy trilogy ................................................................ Page 1 Our passion for excellence: Reflected in repeated recognition....................... Page 4 Our leadership strength: A visionary executive team .................................. Page 5

Getting you started: Our intensive Lend-U training program ......................... Page 6 Guiding your success: Superior market strategy ............................................ Page 7 Driving your success: Our talented in-house marketing team ......................... Page 8 & 9

Bringing home the loan: Superior back-office support .................................. Page 11 Maximizing connectivity and reach: Cutting-edge technology ......................

Building you repeat business: Automated loyalty programs .......................... Page 10

Page 12

Keeping you protected: Benefits for you and your family .............................. Page 13

OUR BUSINESS

Philosophy trilogy Integrity. Relationship. Value. At Residential Finance, we are committed to upholding three core values: integrity , relationship and value . Together, these values allow us to build trust with consumers, business partners and community members, while also creating strong interpersonal relationships with customers and co-workers alike.

Integrity: You demonstrate to others that you’re true to

your word. You are trustworthy. You have a powerful sense of honor. For you, it involves saying what you mean and meaning what you say, and always delivering on a promise.

develop bonds that go beyond the closing table. By making an effort to truly listen to the needs of your clients and colleagues, you do more than a good job or a good turn. You forge meaningful realtionships, ultimately enriching lives – including your own.

Relationship: You work hard to help others advance. You

on Integrity

Relationship

Value

Who doesn’t like to be part of a winning team? Residential Finance continues to receive accolades from local and national business organizations in recognition of our high-quality customer service and progressive workplace environment. While these honors help reaffirm our commitment to excellence, our greatest reward is matching the right home loan with the needs of each customer—time and time again.

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Repeated recognition for our pursuit of excellence

Value: You deliver value, but you can’t put a price on it. Beyond securing a great interest rate on a mortgage, you strive to close your loan with precision and care. You do this because you recognize the incredible responsibility of dealing with people’s lives. With us, value is about increasing the quality of life for everyone we encounter.

OUR WAY OF WORKING

As an extended family We work smart and hard Join our team, and you’re guaranteed to be challenged. When it comes to “wowing” your internal and external customers, we expect you to not only work hard, but also to work smart. In our motivating atmosphere, it’s likely you’ll find yourself bringing your best energies and outlooks to the office — ultimately helping you to bring about great results.

We play sports and volunteer together

Get in on the fun! We have co-ed volleyball, dodgeball, kickball and bowling teams, as well as a men's basketball team. We have a team of cyclists who train and ride together for cancer-fund charity Pelotonia, while others support the cause by volunteering and donating. We also sponsor other charitable activities, like Toys for Tots, Special Olympics, Race for the Cure and recognition to veterans.

Sure, we work hard together. But we also laugh, share and play together. It’s a lot to look forward to each day.

We're proud of the talent we attract and retain. We like launching the careers of fresh recruits as much as we value the experience of industry veterans. And because it’s important to continually advance and grow, we’re busy refining our onboarding processes and training programs, while also creating even more professional development programs and succession planning strategies.

We invest in our people

on PAGE 3

It doesn’t take long to understand how our family-like atmosphere is an integral part of the company’s phenomenal growth. Our upbeat environment offers ongoing support, ample reward, and plenty of good times. But at the end of the day, we also respect that you want to enjoy your family, friends and personal pursuits. That’s why we maintain a stance of employee-friendly work/life balance.

We treat you like family

OUR LEADERSHIP STRENGTH

A visionary executive team Michael Isaacs, Chief Executive Officer Michael Isaacs is President and Chief Executive Officer of Residential Finance. Founded in 1997, the company has grown to be the 55th largest mortgage company in the nation. Under his direction, Residential Finance was named an Inc. 500|5000 winner by Inc. magazine four times running, earned the Business First Best Places to Work award in Columbus, Ohio, and Tampa, Florida, and was awarded the Sales Department of the Year by the American Business Association. Mike’s career spans more than 20 years, with roots established as founder and CEO of a leading home remodeling company.

David Stein, President of Retail Branching and General Counsel

Co-founder David Stein serves as both President of the Retail Branch Division, leading success objectives for the retail branch support system, and as General Counsel, directing legal and compliance efforts. Under David’s guidance, the company became a leading residential lender in the U.S., earning the highest level of approval from the Department of Housing and Urban Development (HUD), Fannie Mae and Ginnie Mae. He is a nationally recognized speaker on regulatory compliance and banking law, and was named Top Corporate Counsel of the Year in 2012 by Columbus Business First.

Co-owner Barry Habib serves as Chief Market Strategist. As a renowned mortgage-market expert, he provides the company’s sales force with exclusive market insights and direction. He is also the founder and CEO of MBS Highway, a company and platform that helps interpret and forecast activity in the mortgage rate and bond markets. For more than 20 years, Barry has shared his expertise on FOX and CNBC, including his Monthly Mortgage Report shown on “Squawk Box.” He is a sought-after speaker on financial markets, housing, negotiation, technical trading analysis, sales training and motivation.

Jessica Manna oversees offline and online lead generation, public relations, and brand management. Current and prior memberships include LendingTree’s Advisory Council, Leads Council, Financial Services Council of the Direct Marketing Association, American Marketing Association, and the Public Relations Society of America. Jessica was named “Top 30 [Marketers] Under 30” by the Direct Marketing News and her teams have won six awards from the American Marketing Association, National Center for Database Marketing, MarketingSherpa and LendingTree.

Jessica Manna, V.P. and Chief Marketing Officer

Chris Derrow is responsible for establishing new ventures with real estate brokers and builders to deliver consistent and reliable homeownership-related services to customers across the country. Prior to joining Residential Finance, Derrow was the President of Trident Holdings, formerly Real Living, Inc. He also served nearly 20 years in numerous leadership roles for Well Fargo Home Mortgage, including Regional Vice President.

Chris Derrow, President of Core Services Division

Jude Tribble, V.P. and Associate General Counsel

Jude Tribble is in charge of directing the company’s legal, licensing, quality control and compliance departments. With a focus on mortgage lending compliance and federal regulations, she has been instrumental in establishing a premier licensing and compliance operation. Previously, Jude served in leadership roles at Insight Bank and Union Savings Bank.

PAGE 4

Barry Habib Chief Market Strategist

Nick Hahn, Chief Financial Officer and Chief Operating Officer

Nick Hahn is responsible for all financial aspects and dayto-day operating decisions of the company. With more than 30 years of industry experience, he directs budgeting, forecasting and financial planning. He also oversees loan origination operations, loan servicing operations, secondary marketing and the finance division. Previously, Nick served as interim CFO of Capitol Bancorp, Ltd., CFO of DeepGreen Financial, Inc. and CFO of Senior Lending Network. He also served in financial executive roles at Countrywide Financial Corporation, Associated Banc-Corp and CoBank.

Alan Rabideau, Chief Information Officer

Alan Rabideau is in charge of all technology, telecommunications, wide and local area networking, desktop and applications support, IT security, disaster recovery and records management for Residential Finance. Since joining the company in 2004, Alan has directed the implementation of continuous innovations to enhance efficiencies that support the company’s stability and growth.

Peter Gilbert, Chief Credit Officer

Peter Gilbert directs the company’s lending operations, including processing, underwriting, closing, secondary and servicing. He has over 25 years of experience in the mortgage industry. Prior to joining Residential Finance, he was responsible for credit and secondary marketing functions for all business channels at New Penn, and served as Divisional Senior Vice President of Operations Bank of America and Countrywide Home Loans, a division that produced more than $2 billion per month.

René Lewis, V.P. of Human Resources

René Lewis directs all aspects of the Residential Finance human resources and talent management programs. As a Certified Professional in Human Resources and Certified Professional Behavior Analyst, she oversees organizational development, benefits and wellness, compensation and employee relations. René’s previous HR leadership roles span from retail to government to international business.

GETTING YOU STARTED

Comprehensive Loan Officer Training Held at our corporate offices in Columbus, Ohio, our two-day Loan Officer Training accommodates all levels of experience, enabling you to acclimate to your new work environment. Whether you are fresh a recruit or a seasoned lending professional, you’re sure to walk away from the comprehensive 50 hours of training knowing more than you did before you began.

Lend-U training program

backs all experience levels “I was wowed when I went through training. It was very relevant and made my transition a smooth one.” —John, Senior Loan Officer

Online training Don’t worry about staying current! With our online learning capabilities, you can stay up-to-date with industry changes and regulations, technology reinforcements, systems, company policy and the latest sales techniques .

Exclusive coaching and training

Monthly sales calls with Chief Market Strategist Barry Habib are designed to help you increase your market knowledge and enhance your ability to build professional relationships and grow your business.

Professional development

You’ll have regular opportunities to enhance your industry and leadership knowledge through our Learning Path development program. Held either online or on-site, topics include ethics, sales, customer service, interpersonal communications, industry-related updates and technology reinforcements.

“Every tool I need to be successful in my career is provided. The innovative training techniques support my career goals and help me be a success.” —Craig, Senior Loan Officer “Even with several years of mortgage industry experience, I was attracted to Residential Finance because of its excellent training program. Because of its training program, loan officers are able to offer the very best of service and integrity to their customers.” —Kaye, Senior Loan Officer “ The training is well ahead of the rest. I have worked at other mortgage lenders and the training is next to nothing.” —Steve, Senior Loan Officer

PAGE 5

GUIDING YOUR SUCCESS

Superior market strategy With Barry Habib at the helm of our market strategy, you gain a distinct advantage when you become a Residential Finance loan officer.

One of the mortgage industry’s most knowledgeable professionals.

One-on-one training and coaching.

By paying attention, you can gain significant perspective on when to lock or float loans, and develop acute insights to pass on to prospects, customers and business partners. Barry generates forecasts on mortgage rates and bond markets, explains the relationship between stocks and bonds, and offers precise technical analysis using candlestick charts. Barry helps our loan officers and branch managers develop the skills needed to successfully create and maintain relationships with REALTORS® and builders. He uses his long experience to provide meaty, realistic recommendations. And his patient, engaging style of explaining things makes even complex topics easy to understand.

on You get exclusive access to: • • • • • Daily Market Watch videos Real-time MBS quotes Alerts to lock or float REALTOR events And more!

Barry offers an in-depth understanding of the market.

PAGE 6

Barry has more than 25 years’ experience in the financial industry, earning the top mortgage loan originator spot in the country in 1991. He also has a long tenure as a market commentator on FOX and CNBC Networks, where he appears regularly as an industry expert. You can see him present his Monthly Mortgage Report on “Squawk Box,” the early-morning CNBC business news show.

DRIVING YOUR SUCCESS

Our talented in-house marketing team You have a full-service marketing agency devoted to your success. When you need a piece of marketing collateral to promote your business, they create it, produce it and get it in your hands. With decades of combined marketing experience and mortgage-industry marketing expertise, the in-house Residential Finance marketing team creates marketing products that help push new and repeat business to you. A staff of professional analysts, writers, designers, public relations and digital experts, the Marketing Department knows how to speak to both potential and past clients. They create collateral pieces and presentations directed specifically to: • • Prospective homebuyers Existing homeowners • • Builders and contractors Divorce attorneys • • Potential recruits Real estate professionals

Ask about custom design products!

e Jessica Manna VP & Chief Marketing Officer

on Corey Trujillo VP of Creative Services

ly Lili Macklin Director of Communications

Annie Keener Leads Manager

m Troy West

Carolyn Kearns

Senior Digital Producer & Project Manager

Ashlee Rowland

Marketing Creative Coordinator

Senior Marketing Analyst

Sarah Powell

Marketing Coordinator

Sean Burke

Digital Marketing Coordinator

Kyle Pett

Direct Mail Channel Manager

Katherine Devillebichot

Marketing Program Specialist-Direct Mail

PAGE 7

PROVIDING AMPLE INFORMATION

Our vast marketing library As a Residential Finance loan officer, you gain access to a catalog of beautifully designed, legally approved collateral. Every item can be personalized with your name and photo. Our online Marketing Store is populated with more than 100 specialty items. You can choose from flyers, brochures, booklets, special guides, signage, PowerPoint presentations, and other promotional and clientbuilding collateral. Just some of what is available includes: The Top Ten

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Contact me for more details!

(123) 123.1234 ofﬁce Jane.Branch@myrfc.com

• Welcome let my letter When you’re ready to buy a house, • Customer survey expertise open doors for you. Sincerely, Jane Branch

It was great doing business with you. I just wanted to touch base and remind you that we are here to help you with all your financial questions and needs. Keep in mind that your family and friends may also benefit from today’s low rates. If you know someone looking to refinance or purchase a home, please feel free to have them contact me or your Realtor (listed below). We would be happy to help.

JANE BRANCH RESIDENTIAL FINANCE CORPORATION 1234 Street Name Suite 100 Anywhere, ST 12345

RECIPIENT NAME MAILING ADDRESS 1 MAILING ADDRESS 2 CITY, STATE ZIP CODE

janebranch.myrfc.com NMLS #: 123456 Tel. 123.123.1234 Ext. 1234 Thank-you 400 Oval, Suite card Easton One • Columbus, Ohio 43219 Tol. 888.123.1234 Ext. 1234

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John Realtor Realtor ® Sample Realty 123.123.1234 ofﬁce John.Realtor@Realtor.com

jane.branch@myrfc.com janebranch.myrfc.com One Easton Oval rev: 2/11/13 © Suite 400 Columbus, Ohio 43219

Contact me for more details! Jane Branch Senior Loan Officer NMLS #: 123456 Tel. 123.123.1234 Ext. 1234 Tol. 888.123.1234 Ext. 1234

That’s two years of automated marketing! With so much market presence, it’s even easier to nurture your established client base. to help you with all your financial questions and needs. Keep in mind also benefit from today’s low rates. that your family and friends may If you know someone looking to refinance or purchase a home, please feel free to have them contact me or your Realtor (listed below). We would be happy to help. Sincerely, Jane Branch

RECIPIENT NAME MAILING ADDRESS 1 MAILING ADDRESS 2 CITY, STATE ZIP CODE

reSIdentIal FInanCe CorPoratIon (rFC) 1 eaSton oval, Ste 400 ColUMBUS, oH 43219. not aFFIlIated WItH reSIdentIal FUndIng CorP. CondUCtS BUSIneSS aS rFC Mortgage I/l/t/n reSIdentIal FInanCe CorPoratIon In ny. not an oFFer oF CredIt or CoMMItMent to MaKe a loan; not avaIlaBle In all areaS; SUBJeCt to UnderWrItIng gUIdelIneS. nMlS #1652; va lender Id #2595540000; aK #aK1652; al #21483; ar #101062; aZ #BK-0905843; Ca FInanCe lenderS laW lICenSe #6039726; Co Mortgage BroKer lICenSe #100029775 CHeCK lICenSe StatUS at WWW.dora.State.Co.US/real-eState/IndeX.HtM; Ct #12900; de CHP 22 lICenSed lender #011831; dC #nMlS1652; Fl #Mld167; ga #19399; HI #HI-1652; Il #MB 0005562; In dFI #16242; Ky #MC82945; la #1652; Md #11143; John Realtor Ma Mortgage lender #Ml1652; MI 1St & 2nd Fl4201 & Sr 0010569; Mn #Mn-Mo-02049502; MS #4434/2009 Realtor ® lICenSed By tHe MS dePt oF BanKIng & ConSUMer FInanCe; nJ lICenSed By nJ dePt oF BanKIng & InSUranCe nJ CorreSPondent Mortgage BanKer Sample Realty & SeCondary Mortgage loan lICenSee #9945825; nM #03691; ny lICenSed Mortgage BanKer-nyS BanKIng dePt #B500784; nC #l-139845; oH #MB802662.000; or #Ml-5063; Pa lICenSed By tHe Pa dePt oF BanKIng Pa Mortgage lender lICenSe #22135; SC 123.123.1234 ofﬁce #MB-0508408; tn #4093; tX SMl #45235 (2 gallerIa toWer 13455 noel rd Ste 1000 dallaS tX 75240); va lICenSed By va State CorP CoMMISSIon MC 3003; Ut dre Mtg entIty #8404312, Wa ConSUMer loan CoMPany Cl-1652 Wa MaSter BUSIneSS lICenSe John.Realtor@Realtor.com #602403652; WI #21906Ba.

Cel. 123.123.1235

Fax. 123.123.2222 rev: 2/2/13 ©

jane.branch@myrfc.com

Partner_Flyer_realtor advantage

That’s two years of automated marketing! With so much market presence, it’s even easier to nurture your established client base.

janebranch.myrfc.com One Easton Oval Suite 400 Columbus, Ohio 43219

reSIdentIal FInanCe CorPoratIon (rFC) 1 eaSton oval, Ste 400 ColUMBUS, oH 43219. not aFFIlIated CoMMItMent to MaKe a loan; WItH reSIdentIal FUndIng CorP. not avaIlaBle In all areaS; SUBJeCt CondUCtS BUSIneSS aS rFC Mortgage to UnderWrItIng gUIdelIneS. lICenSe #100029775 CHeCK lICenSe nMlS #1652; va lender Id #2595540000; I/l/t/n reSIdentIal FInanCe CorPoratIon StatUS at WWW.dora.State.Co.US/real-eState/IndeX.H aK #aK1652; al #21483; ar #101062; In ny. not an oFFer oF CredIt Ma Mortgage lender #Ml1652; tM; Ct #12900; de CHP 22 lICenSed aZ #BK-0905843; Ca FInanCe lenderS or MI 1St & 2nd Fl4201 & Sr 0010569; lender #011831; dC #nMlS1652; laW lICenSe #6039726; Co Mortgage Mn #Mn-Mo-02049502; MS #4434/2009 & SeCondary Mortgage loan Fl #Mld167; ga #19399; HI #HI-1652; BroKer lICenSed By tHe MS dePt oF BanKIng lICenSee #9945825; nM #03691; Il #MB 0005562; In dFI #16242; Ky ny lICenSed Mortgage BanKer-nyS & ConSUMer FInanCe; nJ lICenSed #MC82945; la #1652; Md #11143; #MB-0508408; tn #4093; tX SMl By nJ dePt oF BanKIng & InSUranCe BanKIng dePt #B500784; nC #l-139845; #45235 (2 gallerIa toWer 13455 nJ CorreSPondent Mortgage oH #MB802662.000; or #Ml-5063; noel rd Ste 1000 dallaS tX 75240); #602403652; WI #21906Ba. BanKer Pa lICenSed By tHe Pa dePt oF va lICenSed By va State CorP BanKIng Pa Mortgage lender CoMMISSIon MC 3003; Ut dre lICenSe #22135; SC Mtg entIty #8404312, Wa ConSUMer loan CoMPany Cl-1652 Wa MaSter BUSIneSS lICenSe

Partner_Flyer_realtor advantage

rev: 2/2/13 ©

• • • • • • • • •

First-time homebuyer Purchase Refinance Veteran-specific FHA-specific Jumbo Foreign National 203(k) renovation Second mortgages

The rich assortment of products includes pieces that are ideal to be tailored and co-branded with REALTORS® and other business partners.

Our Marketing Store is available online, all the time. PAGE 8

Mortgage products addressing specific loans

BUILDING YOUR REPEAT BUSINESS

Automated loyalty program The value of repeat business and customers is huge. For this reason, we help you gather referrals from borrowers you’ve worked with —to keep you in mind. Our automated loyalty program can help you develop a loyal network of people who will turn to you again for their mortgage lending needs. And, with just a nudge, may pass along your name to friends and family. The advantages are obvious: You’ve already closed the deal, established a relationship, and proven that you have great lending expertise. Why not leverage your efforts to grow your business? I AM ALWAYS HERE FOR YOU Even though your loan has closed and funded, please don’t feel like you can’t reach out to me. I’m just a call away to answer your questions or address your concerns.

[LO NAME} [LO NMLS] [LO TITLE] [LO PHONE] [BORROWER NAME],

ly JANE BRANCH RESIDENTIAL FINANCE CORPORATION 1234 Street Name Suite 100 Anywhere, ST 12345 RECIPIENT NAME MAILING ADDRESS 1 MAILING ADDRESS 2 CITY, STATE ZIP CODE

Great business is built on great referrals – from great clients. Thank you for your business. My hope is that you’re so pleased with my work, that you’ll refer me to your family and friends. If you know anyone who would like home financing help, I’d appreciate your completing the referral below. Anyone you pass along to me will receive the extra care they deserve. I’m grateful for your referral! [LO SIGNATURE]

on (123) 123.1234 ofﬁce Jane.Branch@myrfc.com

Jane Branch Branch Manager NMLS#12345

Dear Jane and Luke,

YOUR REALTOR [REALTOR NAME] [REALTOR COMPANY] [REALTOR PHONE]

Corp NMLS, #1652

CUSTOMER REFERRAL CARD [Loan Officer Name], I would like to refer someone for more information on mortgage financing. Please provide my friend with the same great service you provided me! They can be reached at:

We promote you for two years

John Realtor Realtor ® Sample Realty 123.123.1234 ofﬁce John.Realtor@Realtor.com

Name: _____________________________________________ Address: ___________________________________________ ___________________________________________ Phone: _____________________________________________ Email: _____________________________________________ Regarding:  Refinance  Purchase  Not Sure Ref#1234567

After each loan closes, we help boost your repeat business by sending out a steady stream of follow-up mailings for up to five years. Our system automatically helps you stay in touch with your clients with postcards and letters that can feature your photo and contact information. From a welcome letter and post-loan survey to full-color, oversized postcards printed on highgloss quality stock, each mailing is sent FirstClass Mail and scrubbed through the U.S. Postal Service database for accuracy.

IMPORTANT FREQUENTLY ASKED QUESTIONS... “WHEN IS MY FIRST PAYMENT DUE?” Your first mortgage payment of $[VAR] is due on [VAR ]. “WHAT IS MY PAYMENT?” Your monthly mortgage payment is $[VAR]. “WHAT IS MY LOAN NUMBER?” Your loan number with Residential Finance (subject to change) is [VAR].

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Q 1 Easton Oval, Suite 400 Columbus, Ohio 43219 T F

“Where do I send my first mortgage payment?”

877.251.2874 888.605.2665 You received a Temporary Mortgage Coupon in your loan closing package.

Residential Finance Corporation, ATTN: Payment Processing 1 Easton Oval Suite 400 Columbus, OH 43219

[Date Here]

HELPFUL TIP! them your updated mortgage information.

Q A

“Will RFC continue to be my lender after I make the first mortgage payment?” We originate, underwrite, and fund our own loans, however we are not a loan servicer. We work with the nation’s leading loan servicers. You should expect to receive a notification from the servicer within 30 to 45 days of your loan closing. Once they are in contact with you, you may be able to set up automatic bill pay or discuss other types of loan payment arrangements.

your insurance agent and provide Dear [First Name] [Last Name] & [Co-Borrower First Name]Call [Co-Borrower Last Name],

Congratulations on securing your new home loan! We’re honored that you chose to work with us. Now that you’ve joined the Residential Finance family, you may have questions about what to expect next and how to find answers to questions, such as:

HELPFUL TIP!

• • •

Where do I send my first payment? How can I get a copy of my appraisal? What happens to the escrow account?

Provide a copy of your the HUD-1 or Settlement Statement from your loan closing package to your accountant when you file personal tax returns.

Q A

“Will my loan terms change if the loan transfers to a new servicer?” No a transfer of loan servicing will not affect the terms of the Note you signed at closing.

To make it easy on you, the answers to many loan-related questions are on the attached Frequently Asked Questions document. If you don’t find the answers you need, please feel free to contact me or your loan officer directly by phone or email. Q “What happens to the escrow account? And, who pays my taxes and insurance?” Sincerely,

If your new mortgage includes homeowners insurance and property taxes, your escrow will be transferred to your new loan servicer and they will handle future payment of your taxes and insurance.

P.S. When you receive our Customer Satisfaction Survey, If please take a few moments to respond. Your“My prior mortgage included an escrow account, when should I expect to receive your prior mortgage had an Q the refund of the balance?” input is very important to us! We want to learn what we’re automated doing right and what we could do better. payment arrangement; contact your previous lender to cancel future payment transactions.

HELPFUL TIP!

For information about your prior escrow account, contact your previous lender for details.

Joanna MacKenzie Customer Service Manager 877.251.2874 Tel CustomerService@myrfc.com

Q A

“How can I obtain a copy of my appraisal?” Mail a request including your name, property address, and loan number, to: Residential Finance Corporation, ATTN: Customer Service 1 Easton Oval Suite 400 Columbus, OH 43219

RESIDENTIAL FINANCE CORP (RFC), 1 EASTON OVAL, SUITE 400, COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DC #NMLS1652; DE CHP 22 LICENSED LENDER #011831; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MD #11143; MA MORTGAGE LENDER #ML1652; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #4434/2009 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; SC #MB-0508408; TN #4093; TX SML #45235 (2 GALLERIA TOWER 13455 NOEL RD STE 1000 DALLAS TX 75240); UT DRE MTG ENTITY #8404312; VA LICENSED BY VA STATE CORP COMMISSION MC 3003; WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA.

Closing the loan opens the door to repeat business. PAGE 9

BRINGING HOME THE LOAN

Superior back-office support Speed, accuracy and consistency! It's not just a motto; it’s our way of life. The efficiency and speed of our underwriting department is our main focus. Yet, we do more than close loans— we create positive experiences certain to impress your borrowers and referral partners with 24-hour underwriting, same-day closings, EZ-Lock™ Loan Lock, and more. You can trust our back-office operations team to help reinforce your reputation as a reliable home loan expert.

Help Desk

Quick Reaction Force

Access our operations customer-service help desk any time you have questions, urgent or otherwise. Our help desk responds with the speed, accuracy, and consistency you’d expect from the nation’s most pro-sales lending operations staff.

Our Quick Reaction Force puts your worries to rest. Working from a specialized control center at company headquarters in Columbus, Ohio, this team of top mortgage professionals makes sure each client’s loan closes in an accurate, predictable and timely manner.

PAGE 10

No need to use the “broker grapevine” for your loan scenarios. Our Scenario Desk is operated by qualified underwriters to help provide the guidance you need to place your loan correctly, and ensure the quality and speed your customers expect.

Scenario Desk

• FHA (Federal Housing Administration) “Full Eagle” loans

• VA (Veterans Administration) loans with automatic authority • USDA (United States Department of Agriculture) loans • State bond programs • 203(k) renovation • Jumbo • Commercial • High Balance • Foreign national

ADVANCING REACH AND OPPORTUNITY

Sophisticated licensing strategy As an honorable mortgage professional, you need to join a company that is respectful and aware of licensing requirements across the country. With stringent mortgage industry regulations in place to protect consumers, it’s vital that you’re fully trained, informed and authorized to sell loans in different states.

Get licensed in multiple states to earn more

The more areas where you can practice, the more business you can take on. To make this possible, you must pass a national and a state-specific test to satisfy the test requirements of any single state jurisdiction. If you want to practice in multiple jurisdictions, you need to pass the state-specific test component for each jurisdiction in which you want to get licensed.

pl MT ND MN SD WI MI NE IA IL CO KS MO TN NM OK AR MS AL GA SC IN OH KY Residential Finance VT NH

• • • • •

Fully licensed and trained attorneys and paralegals Combined 50-plus years of legal experience Fast licensing turnarounds Vigilant, continual review of industry requirements Aggressive state-to-state expansion plan

e ME MA

sa ID

on LA currently licensed

At Residential Finance, we have premier teams of legal, licensing, quality control and compliance experts who stay on top of initial testing and annual requirements established by the Nationwide Mortgage Licensing System and Registry (NMLS). They aggressively watch for new legislation or other changes that may affect how and where you may practice.

ly WV VA FL

Let us handle all the licensing details for you

NY RI

CT NJ

NV CA

DE MD DC

PAGE 11

MAXIMIZING CONNECTIVITY

Cutting-edge technology services To do your job exceptionally well, you need exceptional web-based services and live help-desk support. Residential Finance has invested heavily in aligning with several of the top technology companies to fortify how you can reach your goals. Through our combined efforts, Residential Finance and our tech partners provide industry-leading telecommunications services, wide- and localarea networking, desktop and applications support, IT security, records management and disaster-recovery services. Some of our tech partners and specialty programs include:

FEATURES to support your business • 24-hour intranet with dashboard reporting

TECH

Encompass Bankers Edition: We’ve taken Encompass, the award-winning

NYLX pricing engine: We use the industry’s leading product pricing and

on • • • • • •

loan origination software, to the next level. The version our loan officers use has customized tools to help you close deals with more transparency, efficiency and ease.

eligibility engine for lightning-fast product placement and pricing quotes. This system is fully integrated with Encompass, allowing you to get multiple investor quotes with the click of a button.

the Velocify lead-management system with proprietary customizations. In fact, our application of Velocify is so sophisticated, that the company has asked us to endorse them to their new clients. (This service is optional for retail branches.)

Velocify: Leads are essential to your success. That’s why we have adapted

Microsoft Exchange: On the road? On the Smartphone? There’s no reason you can’t stay connected. With Microsoft Exchange remote web access capability, you can get your email anytime and anywhere.

edge digital platform that helps industry professionals to interpret and forecast activity in the mortgage rate and bond markets. The brainchild of Barry Habib, MBS Highway offers exclusive information that you can rely on for ultimate relevance, speed and precision. Learn more at www.mbshighway.com .

MBS Highway: You’re given free membership to MBS Highway, a cutting-

PAGE 12

ly • •

Automated pricing engine

Individual websites for branches with integrated short-form applications in English and Spanish

Lead-management system Live support Real-time reporting Smartphone integration Web-based loan organization system Branch individual websites; integrated short-form applications in English and Spanish

KEEPING YOU PROTECTED

Benefits for you and your family Residential Finance provides a wide variety of a la carte benefits for our full-time employees and their families. You will be able to choose specialized coverage and customized benefitsâ&#x20AC;&#x201C;whichever work best for you and your dependents.

401(k) program

To help you achieve your personal retirement goals, Residential Finance offers a 401(k) program to all of our employees. You are eligible to begin participating the quarter following three full months of employment.

Disability insurance through Unum

MetLife supplemental life insurance

You may elect to purchase a supplemental life insurance policy through our trusted insurer, MetLife. Choose a coverage amount for only you, or for you and your dependents, through convenient payroll deductions offered at affordable group rates.

Flexible Spending Accounts

MEDICAL

sa DENTAL

A Flexible Spending Account (FSA) allows you to pay for essential healthcare expenses that are not covered, or are only partially covered, by your medical, dental or vision plans. You can save 20-40% on the cost of eligible healthcare items and services, or use your contributions to pay for deductibles or co-insurance throughout the year using your FSA debit card.

e LIFE

Unumâ&#x20AC;&#x2122;s disability insurance is designed to protect you and your family in the event of illness or injury. The Unum disability plan pays out a portion of your income while disabled, with benefits beginning at 14-, 30- or 90-day periods, depending on your financial need.

VISION

PAGE 13

Equal Opportunity Employer RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

LO Recruiting Booklet

on September 11, 2013 11:48 AM