SAN DIEGO, December 1st 2005-

Lend a Helping Hand (LHH),

Windsor Capital Mortgage

Corporation’s philanthropic

committee coordinated effort to

provide Thanksgiving dinner to

five families forced to relocated in

San Diego. LHH director, Taryn

Chomik established the event as

part of a year long concentration of

aid to Hurricane Katrina victims not only in the San Diego area, but also at the point

of impact.

LHH worked in conjunction with Interfaith Services to locate the five families

in need of Thanksgiving dinner. Chelsa Self and Skyla Lee were key contributors,

delivering Thanksgiving staples to the five families in Escondido, CA.

“The families were very gracious. As we approached the apartments, they all came

out to greet us with huge smiles as we were asked to join them in their feast. Even in

this time of hardship, they managed to show us genuine gratitude for our offering this

holiday season,” remarked Self and Lee with moral satisfaction.

LHH’s Katrina relief effort channels support through various vehicles in an attempt

“to provide as much assistance, from as many angles as possible,” urges Chomik.

Windsor Capital provides its 1,500 loan officers around the country the opportunity

to donate a percentage of each commission check they receive. The Windsor Capital

Katrina Relief Fund started in October and will continue for a full year to extend

FOCUS1.06volume 1 issue 1

WINDSOR CapItal’S leND-a-helpINg-haND pleDgeS eFFORt FOR KatRINa VICtIMS

InsIdeThIsIssue:hIghlIghtS2005 Top Producers Report

NeW YeaR ReSOUltIONReccomended seminars and marketing tools to boost your business

MeetINgSJanuary Loan Officer Meeting Schedule

WINDSOR CAPITALmortgage corporation

WINDSOR CAPITALmortgage corporation

Table of Contents

�

Feature Story cover

Monthly Meeting 3

CorporaTe NewS

windsor Capital Mortgage 4-5

winBanc 6-7

preN 8-9

IN The KNow

hot Marketing Tools 10

Training & Seminars 10

Do Not Fax Law 11

who’S who?

Cheers & Jeers 12

Lenders 13-15

Classifieds 15

SpeCIaL eDITIoN

2005 Top producers report 16

A SPECIAL THANKS to all the lenders who helped

sponsor the Holiday Gala. it would not have been the

success it was without their generosity.

PLATINum LEvEL

Countrywide - Jill Schulz

Credit suisse First Boston Financial - RobeRt Villapando

Novastar mortgage - laRa lemay

silver Hill - Jeff cohen

GoLd LEvEL

miT lending - phil GRoSSfield

SILvEr LEvEL

Accubanc - John bReSnahan

Ameribanc Corporation - caRla SwaRthout

First Franklin Financial Corp. - eRic bRattebo & teRRy o’ReGan

opteum Financial services - SteVe o’neal

own it mortgage - Kathleen JayneS

sCme - lynell SheRR

secured Funding - KeVin Romine

BroNzE LEvEL

Aegis Wholesale - dan foutS

Chase B/C - ann zaGha

Fieldstone mortgage - phillip pometto

First magnus Financial Corporation - miKe haRRiS

Flagstar Bank - maRy ShaVeR

National City Home equity - Jim KleyweG

Residential Capital - bRian pieRSon

suntrust mortgage - michele muRphy

Wells Fargo Home mortgage - anGie daSpit & Jeff Stahl

Winstar mortgage Partners - RicK ammon

World savings - Jane naSKiewicz

FoCUS january newsletter �

January Meetings

SaN DIegOTuesday, January 10, �006 - 9:00 am Holiday inn

3805 murphy Canyon Road

san Diego, CA 92123

858-277-1199

Breakfast is served at 9:00am

ORaNge COUNtYFriday, January 1�, �006 - 9:�0 Am

Holiday inn

3131 south Bristol street

Costa mesa, CA 92626

714-557-3000

Breakfast will be served at 9:00am.

RIVeRSIDeTuesday, January 17, �006 - 9:00 am mission inn

3649 mission inn Ave

Riverside CA 92501

909-784-0300

Breakfast will be served at 9:00am

SaCRaMeNtOThursday, January 19, �006 - 9:�0 Ammarie Callendar’s

5525 sunrise Blvd.

Citrus Heights, CA

916-961-8571

Breakfast and lender Tables open at 9:00 am.

NORtheRN CalIFORNIaFriday, January �0, �006 - 10:00 AmRadisson

6680 Regional st.

Dublin, CA

925-828-7750

Breakfast and lender Tables open at 9:30 am.

WINDSOR CapItal ROaDShOWThursday, January �6,�006 1�:00-�:�0pmThe Windmill @ TGiFriday’s

890 Palomar Airport Rd.

Carlsbad, CA 92008

760-431-0364

sunday monday tuesday wednesday thursday friday saturday1 2 3 4 5 6 7

8 9 10

san Diego

11 12 13

orange County

14

15 16

Office Closed

17

Riverside

18 19

sacramento

20

Nor.thern CA

21

22 23 24 25 26

Roadshow

27 28

29 30 31

Corporate NeWS

WINDSOR CAPITALmortgage corporation �

THE moNTHLy WrAP uPAn overview of items emailed out over the past 30 days

ROlO ClaRIFICatIONPlease see below for guidelines on the Refer One Loan Officer

(ROLO) Program. Specifically, if you refer a Jr. LO, he/she

does NOT qualify for the ROLO bonus. However, by referring

a Sr. LO, you will receive $1000 after his/her 5th closed loan!

roLo Program Guideline

The ROLO program is an incentive program that pays you

$1000 for referring a loan officer to Windsor Capital.

How it works:

1) Email to relations@windsorcap.com the contact info of

the referral:

a. Name

b. Email Address

c. Phone #

d. Your relationship, i.e. used to work with at ABC Lender.

2) Upon closing of the referrals 5th loan, referrer is paid

$1000

Notes:

a) Referral must join within 90 days of referral. “Join” =

Executed contract.

b) Jr. LO’s do not qualify. A Jr. LO is defined as an LO

working at less than a 90% split and are usually less

experienced, needing training, leads, office space, or any

combination thereof.

NOVaStaREffective 12/9/05, NOVASTAR, will no longer be an Affinity

lender. Therefore, the submission procedures will be changing.

Loans closed with Novastar will still be considered a “banked”

loan and paid out on a 100% split with no rebate disclosure

required.

A quick overview of the new Novastar relationship:

1) Scenarios and Pricing

All products and pricing inquiries will be handled by the

Novastar Account Executive:

Lara Lemay

llemay@novastar1.com

888-534-9888

�) underwriting, docs & Funding

Novastar’s office will handle all of these roles.

�) Commission Payout

Novastar will forward the loan package to Windsor

Corporate for commission payout. The loan officer/

processor will be responsible for forwarding the Final HUD

and broker check to Corporate for commission as well as

faxing a copy to Novastar at 816-627-5424. Please allow

for 5-7 business days for commission payout from date of

funding.

WINdSor CAPITAL

KEEP A LooK ouTNew Year, New Look

windsor Capital is rolling out with a whole new

look this year. Keep posted for updates on how

this will effect you.

Corporate NeWS

FoCUS january newsletter �

OpeN FORUM FRIDaYS – 2 pM

Beginning January 6th, 2006, each Friday at 2 pm, we’ll meet up

in Windsor’s online chat room to chat about lenders, programs,

industry news, rates, or other issues related to our industry.

There will be no set topic, but rather this is an opportunity

to share and exchange information with other Windsor

originators.

If you would like an email reminder, follow these

directions:

1) Go to this link: https://www.windsorcap.com/

current/chatmenu.php

2) Scroll down the page to “View Chat Calendar”

3) Select the “Chat” you would like a reminder for

4) Enter your email address

5) Click “Remind Me”

W-2 WINDSOR ORIgINatORS – B OF a DIReCt DepOSIt DISRUptIONIf you are a W-2 Windsor Originator receiving your checks via

“direct deposit” to a B of A account, you may experience a delay

in receiving funds. Contact B of A for more information.

AE rATINGS

To see which AE’s have the highest ratings, go to this link:

https://www.windsorcap.com/current/lenderRankings.php

Note: Only AE’s that respond to bulletin board postings are

eligible to be rated. If your favorite AE’s are not responding to

bulletin board postings and you would like to rate them, forward

this email to them so they can become eligible to be rated.

To rate an AE:

1) Go to Windsor’s Bulletin Board

2) Locate a posting the AE has responded to

3) Click on “Rate this Lender”

4) Select 1 to 5 stars

lOOKINg tO hIRe a JUNIOR lOaN OFFICeR? First Name Last Name Telephone email region

raphael perez 714-540-7339 rperez4265@yahoo.com orange County

Geoffrey Lynch 408-823-0556 geoffreymlynch@yahoo.com orange County

emmett Morgan 858-922-9468 emdmorg@yahoo.com San Diego

Marvin Collier 619-548-4153 marvin@marvincollier.com San Diego

David Gallegos 818-701-5196 davgaleggos@aol.com winnetka

Dallas Thompson 310-291-8000 dallas@windsorcapmortgage.com Los angeles

Marcia hootman 858-523-9596 revmarcia@yahoo.com San Diego

WINdSor CAPITAL

Corporate NeWS

WINDSOR CAPITALmortgage corporation 6

NoTABLE ProGrAmS

introducing . . .

HARD MONEY LENDING

HA

RD

MO

NE

Y

Contact your Branch Account Manager for more information.

Don’t know who your BAM is? Contact:

Kasey Groveoffice 858-436-2000 x135email kgrove@windsorcap.com

• 1st Trust Deeds 65% LTV

• Stated Income / Stated Assets

• No Minimum FICO

• 1-4 Residential Properties

• 100% Commission split

• CA, FL Only

• No Seasoning

• NOD, NOS, BK - OK

2/28 Interest Only 10.75%

3 Year Pre-pay 1 point

2 Year Pre-pay 2 points

1 Year Pre-Pay 3 points

6 month Pre-pay 3 1/2 points

No Pre-pay 4 points

Windsor Fees: $975

2/28 Interest Only. Rate locked for 24 months

Index: 6 Month LIBOR

Margin: 5%

Life Cap: 6%

30 year fixed also available - 11%

Loan Amount LTV

200,000 - $1M 65%

$1,000,001 - $1.5M 60-65%

above $1.5M case by case basis

For internal use only. Not for distribution to the general public. Windsor Capi-

tal Mortgage Corporation does not make “High Cost Home Loans” as defined

in HOEPA and section 32 of Regulation Z. Terms and pricing subject to change

without notice. Adjustable rate programs, fixed rate mortgages, pre-payment

penalties and applicable fees apply according to individual, state specific, rules

and regulations. For Licensing information visit www.windsorcap.com.

WINBANCwindsor capital banking

WINBANC - WINdSor BANKING

Corporate NeWS

FoCUS january newsletter 7

donations in lieu of New Orleans’ rehabilitation.

Contributing tangible aid to Hurricane Katrina Victims in and around New Orleans, LHH is sanctioning a clothing and food

drive headquartered at Windsor Capital.

“So far we have donated over 800 pounds of clothing in addition to a crate of over 1,400 t-shirts,” remarked Chomik.

Furthermore, LHH is sponsoring a volunteer group traveling to New Orleans to participate as on-site relief workers.

If you would like to join LHH’s various efforts, new ideas and alternative means of aid are always welcome. Please do not hesitate

to contact Chelsa Self at 858-436-2000 x 127.

continued from page 1

ANNouNCEmENTS & EvENTS

WINDSOR CapItal ROaD ShOWWindsor is hitting the road for a series of symposium style

meetings touching on new and up-coming on-line features of

WinBanc. The WinBanc Road Show will spotlight tutorials

and tips for use on the exciting new technology including:

WinTrac, the system encompassing WebTrac, GuideTrac and

the new WinBanc website.

We are starting in Southern California and from there the

show will head to Northern California and Arizona. Finally

rounding up the tour in Florida. Be sure to check the website

for dates and times locations in your region.

Southern Cal January �6th - Carlsbad

Northern Cal February 7th - dublin

February 8th - Sacramento

Arizona February �nd-Scottsdale

Florida TBA

WinBanc closed 100 loans for $28,198,658.00

HEAdLINES

WINDSOR CapItal gIVeS BaNKINg DIVISION a FaCe-lIFtWindsor Banking is enduring progressive developments and

is deserving of its own unique image within the Windsor

Family- enter WinBanc. Complimenting the new WinBanc

name, the streamlined website gives you a refreshing clean

look into the exciting advancements of WinBanc through a

profoundly user-friendly interface.

Links to your loan pipeline as well our premiere loan tracking

tool, WinTrac, are just a click away. Familiarize yourself

with the structure and sharp aesthetics of the site, it won’t be

difficult.

WINBANC - WINdSor BANKING

Corporate NeWS

WINDSOR CAPITALmortgage corporation 8

UpCOMINg eVeNtSThe San Diego Assocation of Realtors Presents:

“THE mArKETING BLuEPrINT ‘BooT CAmP’

For AGENTS ANd ASSISTANTS”

Build a 12 month Marketing Plan for Your Practice!

dates Held:

Monday, January 30, 2006

Tuesday, January 31, 2006

Time:

9:00am - 4:00pm

Lunch will be provided

PLAyING WITH THE BIG BoyS ANd GIrLS IN

rEAL ESTATE

Learn marketing that works, specific actions that deliver the

best results and build a business of greater profits!

date Held:

Thursday, February 2, 2006

Time:

9:00am – 12:00pm

Both courses are held at SDAR, please contact the

board for more information at 858-614-4735.

The Orange County Association of Realtors Presents:

HomE BuyEr SEmINAr

Learn how to review, manage and repair credit debt, how to

avoid predatory lenders and much, much more!

date Held:

Saturday, February, 18, 2006

Time:

9:00am – 3:00pm

For registration contact the instructor at 714-569-

0823 Ext. 223

The Bay East Association of Realtors Presents:

INCrEASE your EArNING PoWEr!

This workshop will show you how to differentiate you from

your competition, bring you more referral business and help

you to achieve the success you are looking for.

date Held:

Friday, February 24, 2006

Time:

9:00am – 10:30am

This workshop will be held at the Bay East Association,

please contact the board for more information at 1-

866-377-6627.

The Sacramento Association of Realtors Presents:

CrS AGENTS: STANd ouT From THE CroWd

Creating Wealth Through Residential Real Estate Investments.

dates Held:

Thursday, January 5, 2006

Friday, January 6, 2006

Time:

8:30am – 4:00pm

This workshop is located at The Sacramento

Association of Realtors; please contact the board for

more information at 916-437-1201.

PREN PRESENTS

How to Write and Present a Winning offer in a

Changing market

PREN is putting together a seminar on “How to Write and

Present a Winning Offer in a Changing Market” We are going

to hold one in San Diego and one in the Oakland area. Stay

posted for more details on this event.

PrEN - PACIFIC rEAL ESTATE NETWorK

Corporate NeWS

FoCUS january newsletter 9

NeW pReN ageNtS PREN would like to welcome the following agents that joined in

December:

mArGArET HEWETT located in Sun City

HouSSAm IBrAHIm located in San Diego

CAroL SAKAGuCHI located in Trabuco Canyon

JAmEN GrIFFITH located in San Marcos

mArIA SHErWood located in Chula Vista

NAzArIo AGuILErA located in Chula Vista

tIpS & tRICKSShowing a home? Make your clients feel like they are already

at home with the following dish:

ArTICHoKE dIP

Ingredients

1 Can artichoke hearts

¾ Cup mayonnaise

1 Cup Shredded Monterey Jack Cheese

½ Cup shredded parmesan cheese

Baking instruction

First, cut up artichoke hearts into small pieces. Mix in all

ingredients, put into small casserole dish and bake for 20

minutes at 350 degrees. Optional: Bake on broil for a more

crispy crust!

MOtIVatIONal QUOte OF the MONth

“Accept the challenges so that you may feel the exhilaration of

victory” -- David Salton

IMpORtaNt DateS tO ReMeMBeR

PREN will be closed

Martin Luther King Day- Monday, January 16, 2006

Property Taxes- Wednesday, February 1, 2006- second

installment due

a NOte FROM pReN:“Thanks for a wonderful 2005. We look forward to meeting

and working with all of you.”

Please feel free to contact us at any time!

renee Nilsen

rnilsen@pren.us

858-436-2005 X302

Therese Pollack

tpollack@pren.us

858-436-2005 X303

renee Santillo

rsantillo@pren.us

858-436-2005 X304

PrEN - PACIFIC rEAL ESTATE NETWorK

joinPReN.

it’S So eaSy!

In the KNOW

WINDSOR CAPITALmortgage corporation 10

ameRican School of moRtGaGe banKinG

http://www.asmb.com/html/class_schedules.html

bill SpaRKman moRtGaGe SeminaRS Schedule

http://www.billsparkmanthecoach.com/mortgageseminars.htm

bRian tRacy inteRnational

http://www.briantracy.com/main/schedule.asp?date=12/1/2005

cloSe moRe uniVeRSity by new centuRy

(VeRy hiGhly Rated)

http://www.closemoreu.com/reg/index2.asp?schedule.new

HoT mArKETING TooLS

We have done some searching around, and have located some

websites that may assist you in increasing your production

and efficiency for 2006.

http://www.loanbright.com/

http://www.focuspub.com/

http://www.loansiteplus.com/

http://www.mortgagemarketingtools.com/

http://www.loanofficerlibrary.com

http://www.alamode.com/mortgage.asp

http://www.webworxstudio.com/

http://www.alibris.com/

http://www.voiceshot.com/public/vr.asp

http://www.vforms.com/

dan pinto

http://www.danpinto.com/

hodGeS SeminaRS inteRnational

http://www.billhodges.com/

loan officeR SeminaRS – the ultimate open

houSe

www.loanofficerseminars.com

milleR heiman SeminaRS

http://store.millerheiman.com/asp/workshoplist.asp?family=&l

ocation=san+Diego&date=&sort=fldmH2_start_Date

moRtGaGe coach excluSiVe

http://www.mortgagecoach.com/marketing/AndrewleadGen.

html

oRiGination pRo SeminaR Schedule

http://www.originationpro.com/cgi-bin/softCart.100.exe/

scstore/shopschool.html?e+scstore

SellinG SmaRteR

http://www.selling-smarter.com/seminars.aspx

Stacey’S moRtGaGe boot camp Schedule

http://www.youregonnabeamazing.net/scheduleRegister.html

top pRoduceR SeminaRS Schedule

http://topproducerseminars.com/upcoming%20seminars.htm

tom waRd SeminaRS Schedule

http://www.majesticconsulting.com/mg2004/

tomwardseminars/default.htm

tony RobbinS SeminaRS Schedule

http://www.anthonyrobbinsdc.com/

ziGlaR tRaininG Schedule

http://www.zigziglar.com

TrAINING ANd SEmINArS

In the KNOW

FoCUS january newsletter 11

aDVeRtISINg, hOW FaR IS tOO FaR? By Jamie Williams

Faxes, telemarketing, auto-dialers and pre-recorded messages,

have all become the marketing nightmares for the industry.

Third party Lead Generators are telling loan officers what they

want to hear, but what aren’t they saying? For starters, the Fed-

eral Trade Commission issued the Telemarketing Sales Rule,

(TSR) in January 2003, all telemarketers must be registered,

have a DNC internal list, and scrub the list on a monthly basis.

Senate Bill 833 enacts California Business and Professions

Code Section 17538.43 effective January 1, 2006. In summary

you cannot fax an unsolicited advertisement to anyone WITH-

OUT EXPRESS PERMISSION. The penalty is $500 per

fax and tripled to $1,500 if the court determines the sending is

a willful violation of this law. What is the safest bet? Mail-

ers…but don’t forget to have them approved!

2006 CONFORMINg lOaN lIMIt OF $417,000

Fannie Mae has announced that it will apply new conforming

loan limits based on federal data on mean (average) home pric-

es, to increase its single-family mortgage loan limit to $417,000

for 2006. For a second mortgage, the maximum allowable

original loan amount is $208, 500 (or in Alaska, Guam, Hawaii

and the U.S. Virgin Islands, $312,750).

UpDateD FORM 1003

Lenders and mortgage brokers are required to use the revised

Form 1003 for all loan applications taken on or after January

1, 2006. The updated form is availble on the Windsor Website

and the Fannie Mae website in the Single Family Forms and

Documents section, www.FannieMae.com.

NON lICeNSeD aSSIStaNtS?

Touchy subject, but not for Windsor Capital. As mentioned in

the Spring 2005 Bulletin issued by the DRE, “Real estate bro-

kers who allow salespersons who are not properly licensed to

continue to perform licensed activity are frequently disciplined

along with the salespersons themselves and are held account-

able to pay appropriate fines.”

windsor Capital works hard to

ensure our relationship with you

continues…please do not

engage in licensed activity if you

are not properly licensed.

Questions on what an NLA can do?

e-mail compliance@windsorcap.com

ImPorTANT INFo BELoW!DO NOt FaX laW UpDate

ComPLIANCE uPdATE

who’s WhO

WINDSOR CAPITALmortgage corporation 1�

CHEErS & JEErS

CheeRSWorld Savings Posted 12-17-05

Honesty a Nice Change! Nicole Bice

Nicole is the asst. for my AE Jane, she was so responsive even

when the news wasn’t good. She made a stressful file less

stressful and worked extra hard to help make my deal happen!

First NLC Posted 12-16-05

Kim makes is Happen! Kimberly Perry

She’s run up and down to get our purchase done. She never

gave up on it and personally delivered docs to escrow. Thank

you!

Innovative mortgage Capital Posted 12-16-05

dynamic duo Derrick Webb

Derick answered the phone and was very dilligent when

working with us. The day the loan was to fund, he personally

ensured that all was well. Great work. Thanks derrick

New Century Prime Posted 12-16-05

The Best Service Ever Craig Ricklefs

New Century Prime (formerly RBC Mortgage) has the best

service!! Craig, the AE, is absolutely there to help until the loan

closes!!! He calls back promptly and will do what it takes to get

the loan closed. His rates on 2nd mortgages are the LOWEST

I have found!!! …

Windsor Banking Posted 12-15-05

Windsor Banking Experiences

…If you are having hassles, declines, or conditions; you did not

run every scenario by one of our Reps, WHO WILL ASK

UW IF IN DOUBT. These people WILL AND DO sort out

every caveat BEFORE you submit to UW !!! Yes, our UW’s

are sticklers, they MUST be! This is the age of accountability

and nobody wants to make an error that can ruin you, your

company and your CLIENTS! …

decision one Posted 12-14-05

No Condo Cert- Fast Closing Jason Turilli

I received a call from a borrower who just had his purchase

condo deal die with another lender because the condo cert

showed pending litigation. Jason at Decision One took the deal

and had it closed in a week without the cert. Very responsive

and easy to work with. Check them out!

Harbor Capital Group Posted 12-13-05

Great Support Nicole smith

Everyone gave great support, and Account Manager Nicole

Smith is phenomenal.

JeeRSJeer for First magnus Posted 12-16-05

Watch out mike Harris

After having the file put on 2 programs that did not work. I

relocked confirmed fees and funded the loan. The broker check

was off by a .250. They changed my lock due to a new credit

score. BUT THEY NEVER TOLD ME!!! When I spoke to

Katy she told me that was my responsibility to know??? How can

you know about something that was never disclosed to me???

vIEW ALL CHEErS ANd JEErShttps://www.windsorcap.com/current/cheersnjeers.php

CHEErS & JEErS

who’s WhO

FoCUS january newsletter 1�

APProvEd LENdErS

Aegis Home Equity dan Fouts

High cltv 2nds and helocs, stated income or full doc. Stated

with a 600 score to 90% 640 to 100%, full doc or bank

statements witha 580 score to 100%. 1st/2nd combo to 125%.

1st lien heloc\’s to $1,000,000, stated income. $2,000,000 full

doc at prime. Go to www.aegishomeequity.com for rates or

email me with questions

AmPro morTGAGE Joel young

This just in! As of Monday, December 19th, AmPro Mortage

has added a NEW Portfolio program with unheard of loan

parameters. Some of the niches include: Loans to 10 mil

No Fico Programs 1 Mnth Arms Unlimited Mtg Lates Non

Warrantables Rural & Agricultural Condotel International

Borrowers And programs that range from 1 month Libors

to 30 year fixed to match the above Niches. I am excited and

available for your phone calls. Do not hesitate, call now! Joel

Young AmPro Mortgage (760)473-8068

Bank of America mortgage Barbara vigil

I’m your Account Executive for only the Northern portion of

California (bay area and Sacramento) I can NOT assist with

San Diego/Orange County loans. Pls feel free to contact me for

any new loans @ 916-663-6127 & ask me about extra incentive

and quick closes. Stated income fico must be 680 and minimum

credit is 620. We have NO seasoning & NO prepays!

Chase Home Finance Ken Lentin

Please welcome my new production assistant Angelika Meyer.

This is for Ken Lentin @ Chase Home Finance. Her preferred

method of contact is to email her @ angelika.j.meyer@chase.

com. Thanks again and please call or email Ken Lentin @

(619) 807-1214 with any questions.

Citibank Home Equity Jim markham

Announcing NEW 30/30 FIXED 2nds, Aggressively Priced.

Citibank Home Equity or 2nd Loans ,No Seasoning, Use

Current Market Value, No Maximum Cash Out. Stated

Income, No Verified Assets with 680+ scores to $250k @ 80%

CLTV, Stated Wage Earners Ok! With 720+ score stated to

$500k No Add Ons! No Condo Approval, High Rise Condo

and Conversions Ok! Easy submission process. No 1003, No

Submission Form, No Copy Package, Citi orders everything on

a Stand Alone. Earn up to $1,500 with No Minimum Draw at

Par Pricing. Rates and guidelines. www.citihomeequity.com or

Call jim.markham@citigroup.com 619-722-6733 12/08/05

CIT Group mark morris

CIT Group is please to introduce our enhanced guidlines

to our brokeredge express product! Highrise Condos Now

everywhere~Non-Owner HELOCS (1-4 units/ 660 fico/ full

doc req) ~Condo Conversions FNMA rules apply), ~Reduced

tradeline requirements ~100% CLTV SISA HELOCS (680

required/ OO only) ~RURAL Properties to 90%~Certified

TAX preparers letter (OK!!) ~90% Chapter 13 BK buyout

program (550 fico score) ~560 fico = 85% CLTV FIXED 2nd

mtg. Call Mark Morris @ 714-785-7366 for more information

APProvEd LENdErS

who’s WhO

WINDSOR CAPITALmortgage corporation 1�

Credit Suisse robert villapando

Credit Suisse is your direct to Wall Street Alt A, Jumbo,

Subprime and Second T.D. Investor/Lender in the U.S.

We provide access to pricing, products and pipeline via our

automated engine www.csfbconnect.com using your Windsor

User ID and passwords. The website www.csfbconnect.com

can give you instant pricing information as well as provide you

with quick pipeline updates. Help/Deal Desk live assistance

is available from 6 am to 5 pm PST. Email or call me should

you be interested in getting more information about our great

pricing and products.

diablo Funding Wholesale Louise Woods

As we start the New Year I would like to wish everyone a safe

and Happy 2006! Service is everything in our Industry and this

is why Diablo Funding Wholesale keeps our turntimes to

24 hours!! With 100% Non-Owner to Payoption arms and

Subprime Diablo has the product menu that fits your client.

Try us today! If you mention you heard about us thru the

Windsor Website you will get entered into a drawing for a

$100 gift certificate. Welcome 2006!

Equity 1 Lenders Group Kristin Koeleman

100% stated income - interest only 1st and 2nd TDs - to ONE

MILLION! 90% Option Arm - 1x30 on the mortgage OK.

95% non owner, cash out, stated, interest only 1st TD to ONE

MILLION. 70% LTV or less - no hits for anything except 3-4

units. 48 hour underwriting, great service, we’ve got it all here

at Equity 1! Call today - Kristin Koeleman (619)708-9273.

Our website is www.equity1wholesale.com. I Look forward to

working with you!

Fremont Investment & Loan Will Brown

Need a good Jumbo Lender? Fremont has the following

programs: 80% LTV to $1,250,000 > 620+ score Full Doc

or Bank Statements 85% LTV to $1,000,000 > 620+ score

Full Doc or Bank Statements 100% (80/20) to $937,500 >

STATED 620 score or Full Doc 580 score 80% $750,000 loan

Full Doc or Stated only need 500+ mid score 3-4 Units to

$750,000

National City / Accubanc mortgage John Bresnahan

The New National Second Program is here!! New

Enhancements: * Non-Owner: Full & stated up to 90% CLTV.

* 2nd Home: Stated to 95% CLTV. * 100% CLTV: 640 Full,

680 Stated. * No adjustment for Standalones. * Expanded

CLTV, Credit & DTI guidelines!! See page 4 of the Wholesale

Daily Ratesheet and guidelines for full details!! John Bresnahan:

San Diego County / Inland Empire M-619-823-3214 Grant

Harvey: Orange County / LA County 714-405-2415

ownit mortgage Solutions Kathleen Jaynes

45 YEAR AMORTIZATION IS HERE! The IO Alternative

- lower payment AND principal reduction! Available on

our 1st TD’s as a 3/1, 5/1, 7/1 ARM’s and 45/30 fixed rate.

Can use on our 80/20 piggybacks with a 40/30 2nd! Call or

email me for more details - Kathleen Jaynes, Ownit Mortgage

Solutions, 858-212-3800, kjaynes@ownitmortgage.com.

Secured Wholesale Kevin romine

HELOC’s or FIXED Second Mortgages. Piggyback/Stand

alone. Qualify using the Transunion score only. 600+ Stated to

$250k to 90%. 630 Stated to 100% to $150k or 640+ stated to

2$50k to 100% in CA and CT only. First time home Buyer ok

who’s WhO

FoCUS january newsletter 1�

ClaSSIFIeDSBusy? Need a helping hand? I’m here to help. Send those files our way! We have a team of contract loan processors that are

professional and quick. Need help signing those clients? We have signed with hundreds of clients, therefore we understand how

important deadlines are! We also offer notary services. Contact Jackie Spray @ (925) 321-4231 or email justmejax@comcast.net!

stated to 100%. Gross up Neg am’s. No Cash Out restrictions.

3 Rebate pricing available. 6 months seasoning for new value.

55% DTI. 620 full doc no trade lines. AVM for value up

$150K. 580 full doc to 100%. Interest Only 1st ok. Qualify at

the IO payment on both First and Second. Call Kevin Romine

@ 714-689-6521. www.securedwholesale.com

for rate sheets, program information, and Broker packages visit:

www.securedwholesale.com / id: broker/password: fund

SunTrust mortgage Gina Benson

100% MTA OPTION ARM (80/20 combo) We do

BOTH Loans! Full Doc 680 Fico Combined loan amount of

$1,450,000 max Stated 700 Fico Combined Loan Amount of

$1Million max Qualify @ Fully Indexed on 1st and IO On 2nd

Max DTI is 38% 2 Months Reserves on Full Doc, 3 Months

for Stated State Assets to Support Income, we only verify min

reserves for more info: www.ginabenson.com

Wachovia mortgage Gloria Loop

Check out Wachovia’s 7/1 ARM with interest only!

No prepay: 10 year interest only option; loan amounts from

250K to 1.5M; 80% cash out full doc to $1M; No ratio option

available for PUR/R&T Refi; #0915 30 website lock; 6.625 @

(0.1.375); 6.500 @ (1.125); 6.375 @ (0.875); 6.25 @ (0.625);

6.125 @ (0.375); 6.000 @ (0.000) Call or email Gloria Loop

for website access 619-252-5920

Winstar mortgage Partners rick Ammon

Our ALT A pricing and guidelines are off the hook. Stated

Interest only 100% with only 620 ficos! No add-ons for LTV’s

under 65% for NOO, Cashout, Condos, No Doc, Stated, No

Ratio. Cashout on appraised value to 80% no seasoning on

value. High rise condos, condo conversions, large acerage, and

debt ratios to 50%. www.winstarpartners.com login “west-

test” password “goodluck”. Call or email me at 800.303.1120

rammon@winstarpartners.com

WmC Nate murphy

We are offering .75 BPS off our 10yr fixed / 10yr I/O for

qualified borrowwers right now. 680 score, stated , full, Bank

St., W2 and SE. Up to 100% Call for detials, scenerios,

pricing. Nate Murphy 818-917-8043

World Savings Jane Naskiewicz

World has been doing the option ARM for over 20 yrs! WE

look at payment history and LTV, not credit score. Our make

sense underwriting helps you fund deals and we lend in 38

states where you can use me as your AE. Call to get setup with

a User ID and password to the website. Jane Naskiewicz cell

760-390-0888, 760-602-0938 fax.

WINDSOR CapItal MORtgage CORpORatION 2005 tOp ORIgINatOR RepORt

ComPANy-WIdE ToP �0 (by volume)

Platinum Gold Silver Bronze

Pete Debest Michael Newman Roger Charriere Clay Selland

Terri Bates-Silva Carolyn Behrens Kimberly Priebe Charlene Reese

Gary Lowenberg Ashton Gowadia Everett Abicht Karen Nicholson

Mick Zentic Juan Pina Monique Linder Jonathan Benedict

Greg Sandler John McLaughlin Jerome Sierra Frank Kostrencich

Deborah Williams Robin DiMiceli Christopher Murphy Shuron Owens

Mark Goldman Alan Holmes Jr. Jamelin Johnson David Kent

Jennifer Debest Steven Fitzgerald Steve Shiroma Anthony Williams

Randall Meekins Mark Schwartz Timothy Fier Robert Bailie

Stephen Lawler James Soshnik George Lane

ToP orIGINATor ANd ToP BrANCH By rEGIoN (by volume)

Region LoanOfficer Branch

Arizona David Kent Mickie Maurer

East Bay Terri Bates-Silva Terri-Bates-Silva

Florida Roger Charriere Roger Charriere

Fresno Deborah Williams Jaine Robertson

Inland Empire Monique Linder Monique Linder

Los Angeles Gary Lowenberg Mark Schwartz

Nevada Michael Newman Michael Newman

Orange County Pete Debest Pete Debest

Sacramento Greg Sandler Greg Sandler

San Diego Mick Zentic Mick Zentic

ToP rEAL ESTATE AGENT &

IN-HouSE BANKING ProduCTIoN (by volume)

Top Banking Lo: Frank Bennett, Jr.

Top rE Agent: Robert Haas

SpeCIaL eDITIoN

New for 2005, Awards are

based on Volume. We’ve added

a “Bronze” Category. Regional

Winners, i.e. Top LO in San

Diego, can also now qualify for

Platinum, Gold, Silver or Bronze

Awards. Branch Production is

cumulative volume for Senior

LO’s who have Jr. LOs work-

ing under them in the Mentor

Program. Two originators that

happen to share office space will

not qualify for “Branch” Awards.

If, for award purposes, you would

like to be considered for “Branch”

production, the originator(s) must

work in Mentor program.

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