Recruiting booklet lo recruit corp

Find your future here!

Equal Opportunity Employer

Exceptional opportunities for mortgage loan professionals

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 todayResidential FinanceNMLS #: 1652

Tel. 614.324.4700

Tol. 800.930.7334

Fax. 877.407.2084

www.residentialfinance.com

One Easton Oval Suite 400Columbus, Ohio 43219

WELCOME TO

Residential Finance

Res ident ia l F inance i s a nat ionwide mortgage lender spec ia l iz ing in he lp ing borrowers f ind the ideal loan to f i t the i r homeownersh ip goals—whether buying , ref inanc ing or invest ing .

Respected throughout the f inanc ia l community for our expert i se and wide lending-product mix , we’re most proud of the qual i ty serv ice we del iver to our c l ients . We attr ibute th is to the dedicat ion and expert i se that committed mortgage profess ionals , l i ke you, put to work for us day after day.

Founded in 1997 and based in Columbus , Ohio, we operate severa l reg ional operat ions centers and branch locat ions across the country.

Our industry positionLending experts since 1997

Providing a culture of excellence Come jo in the power-packed team of mortgage profess ionals at Res ident ia l F inance! We put so much emphas is on expert i se , eff ic ienc ies and a pos i t ive cu lture , i t ’s no wonder we cont inue to attract and reta in top-producing ta lent with in our market .

Service: I f you can’t get your loans c losed with speed, accuracy and s impl ic i ty, l i t t le e lse matters . A ided by our remarkably st rong back-off ice support , you ’ l l have what i t takes to make your customers happy.

Lending: Our wide array of lending opt ions makes i t poss ib le for you to better meet the borrowing needs of your c l ients . With FHA “Fu l l Eag le” cert i f icat ion and VA automat ic author i ty, our home loan products inc lude FHA , VA , USDA , 203 (k) , f ixed-rate , ad justed rated , convent ional and jumbo and more .

Training: We expect our loan off icers to be among the best in the bus iness . That ’s why you’re g iven 50 hours of in-depth t ra in ing by successfu l mortgage profess ionals who know what i t takes to succeed.

Licensing: You’ l l have a dedicated l icens ing and compl iance team to support you in mainta in ing your current l icens ing , as wel l as increas ing your l icens ing footpr int .

PAGE 1

Our business philosophy trilogy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Our passion for excellence: Reflected in repeated recognition. . . . . . . . . . . . . . . . . . . . . . .

Our leadership strength: A visionary executive team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Getting you started: Our intensive Lend-U training program . . . . . . . . . . . . . . . . . . . . . . . . .

Guiding your success: Superior market strategy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Driving your success: Our talented in-house marketing team . . . . . . . . . . . . . . . . . . . . . . . . .

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

Bringing home the loan: Superior back-office support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Maximizing connectivity and reach: Cutting-edge technology . . . . . . . . . . . . . . . . . . . . . .

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

Table of Contents

Page 1

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Page 8 & 9

Page 10

Page 11

Page 12

Page 13

OUR BUSINESS

Philosophy trilogyIntegrity. Relationship. Value.At Res ident ia l F inance , we are committed to uphold ing three core va lues : integr ity , relat ionship and value . Together, these va lues a l low us to bui ld t rust with consumers , bus iness partners and community members , whi le a l so creat ing st rong interpersonal re lat ionsh ips with customers and co-workers a l ike .

PAGE 2

Integrity

Relationship

Value

Integrity: You demonstrate to others that you’re t rue to your word . You are t rustworthy. You have a powerfu l sense of honor. For you, i t involves say ing what you mean and meaning what you say, and a lways del iver ing on a promise .

Relationship: You work hard to he lp others advance . You develop bonds that go beyond the c los ing table . By making an effort to t ru ly l i s ten to the needs of your c l ients and col leagues , you do more than a good job or a good turn . You forge meaningfu l rea l t ionsh ips , u l t imate ly enr ich ing l ives – inc luding your own.

Value: You del iver va lue , but you can’t put a pr ice on i t . Beyond secur ing a great interest rate on a mortgage , you str ive to c lose your loan with prec is ion and care . You do th is because you recognize the incredib le respons ib i l i ty of deal ing with people’s l ives . With us , va lue i s about increas ing the qual i ty of l i fe for everyone we encounter.

Repeated recognition for our pursuit of excellenceWho doesn’t l i ke to be part of a winning team? Res ident ia l F inance cont inues to rece ive accolades f rom local and nat ional bus iness organizat ions in recognit ion of our h igh-qual i ty customer serv ice and progress ive workplace env i ronment .

Whi le these honors he lp reaff i rm our commitment to excel lence , our greatest reward i s matching the r ight home loan with the needs of each customer—time and t ime aga in .

We work smart and hardJo in our team, and you’re guaranteed to be chal lenged. When i t comes to “wowing” your interna l and external customers , we expect you to not only work hard , but a l so to work smart . In our mot ivat ing atmosphere , i t ’s l i ke ly you’ l l f ind yourse l f br ing ing your best energ ies and out looks to the off ice — ult imate ly he lp ing you to br ing about great resu lts .

We treat you like familyI t doesn’t take long to understand how our fami ly- l ike atmosphere i s an integra l part of the company’s phenomenal growth. Our upbeat env i ronment offers ongoing support , ample reward , and p lenty of good t imes . But at the end of the day, we a lso respect that you want to en joy your fami ly, f r iends and personal pursu its . That ’s why we mainta in a stance of employee-fr iendly work/ l i fe ba lance .

We invest in our peopleWe're proud of the ta lent we attract and reta in . We l ike launching the careers of f resh recru its as much as we va lue the exper ience of industry veterans . And because i t ’s important to cont inual ly advance and grow, we’re busy ref in ing our onboarding processes and tra in ing programs , whi le a l so creat ing even more profess ional development programs and success ion p lanning strateg ies .

We play sports and volunteer togetherGet in on the fun! We have co-ed vol leybal l , dodgebal l , k ickbal l and bowl ing teams , as wel l as a men's basketbal l team. We have a team of cyc l i s ts who tra in and r ide together for cancer-fund char i ty Pe lotonia , whi le others support the cause by volunteer ing and donat ing . We a lso sponsor other char i tab le act iv i t ies , l i ke Toys for Tots , Spec ia l Olympics , Race for the Cure and recognit ion to veterans .

OUR WAY OF WORKING

As an extended family

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

PAGE 3

OUR LEADERSHIP STRENGTH

A visionary executive team

Peter Gilbert, Chief Credit OfficerPeter 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.

Michael Isaacs, Chief Executive OfficerMichael 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 CounselCo-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.

PAGE 4

Jessica Manna, V.P. and Chief Marketing OfficerJessica 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.

Alan Rabideau, Chief Information OfficerAlan 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.

Barry HabibChief Market StrategistCo-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.

Chris Derrow, President of Core Services DivisionChris 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.

Held at our corporate off ices in Columbus , Ohio, our two-day Loan Off icer Tra in ing accommodates a l l leve ls of exper ience , enabl ing you to acc l imate to your new work env i ronment . Whether you are f resh a recru it or a seasoned lending profess ional , you ’re sure to walk away f rom the comprehens ive 50 hours of t ra in ing knowing more than you d id before you began .

Online trainingDon’t worry about stay ing current ! With our onl ine learn ing capabi l i t ies , you can stay up-to-date with industry changes and regulat ions , technology re inforcements , systems , company pol icy and the latest sa les techniques .

Exclusive coaching and trainingMonthly sa les ca l l s with Chief Market Strateg ist Barry Habib are des igned to he lp you increase your market knowledge and enhance your ab i l i ty to bui ld profess ional re lat ionsh ips and grow your bus iness .

Professional developmentYou’ l l have regular opportunit ies to enhance your industry and leadersh ip knowledge through our Learn ing Path development program. Held e i ther onl ine or on-s i te , topics inc lude eth ics , sa les , customer serv ice , interpersonal communicat ions , industry-re lated updates and technology re inforcements .

PAGE 5

“ I was wowed when I went through tra in ing . I t was very re levant and made my trans i t ion a smooth one.”—John, Senior Loan Officer

“Every tool I need to be successfu l in my career i s prov ided. The innovat ive t ra in ing techniques support my career goals and help me be a success .”—Craig, Senior Loan Officer

“Even with severa l years of mortgage industry exper ience , I was attracted to Res ident ia l F inance because of i ts excel lent t ra in ing program. Because of i ts t ra in ing program, loan off icers are ab le to offer the very best of serv ice and integr i ty to the i r customers .” —Kaye, Senior Loan Officer

“ The tra in ing i s wel l ahead of the rest . I have worked at other mortgage lenders and the t ra in ing i s next to noth ing .”

—Steve, Senior Loan Officer

GETTING YOU STARTED

Comprehensive Loan Officer Training

Lend-U training program backs all experience levels

GUIDING YOUR SUCCESS

Superior market strategyWith 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. 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.

Barry offers an in-depth understanding of the market. 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.

One-on-one training and coaching. 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.

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

PAGE 6

You have a fu l l - serv ice market ing agency devoted to your success . When you need a p iece of market ing col latera l to promote your bus iness , they create i t , produce i t and get i t in your hands .

With decades of combined market ing exper ience and mortgage- industry market ing expert i se , the in-house Res ident ia l F inance market ing team creates market ing products that he lp push new and repeat bus iness to you.

A staff of profess ional ana lysts , wr i ters , des igners , publ ic re lat ions and d ig i ta l experts , the Market ing Department knows how to speak to both potent ia l and past c l ients . They create col latera l p ieces and presentat ions d i rected spec i f ica l ly to :

Ask about custom design products!

PAGE 7

Troy WestSenior MarketingAnalyst

Carolyn KearnsSenior Digital Producer & Project Manager

DRIVING YOUR SUCCESS

Our talented in-house marketing team

• Prospec t ive homebuyers• Exist ing homeowners

• Bui lders and contrac tors• Divorce attorneys

• Potent ia l recruits• Real estate profess ionals

Ashlee RowlandMarketing Creative Coordinator

Katherine DevillebichotMarketing Program Specialist-Direct Mail

Sean BurkeDigital Marketing Coordinator

Jessica MannaVP & Chief Marketing Officer

Kyle PettDirect Mail Channel Manager

Meet the team

The reverse mortgage is sometimes a misunderstood loan program. To help clarify what’s true and

what’s not, this Residential Finance pamphlet provides straightforward reverse-mortgage myth-

busting information.

What is a reverse mortgage? Designed specifically for seniors, the reverse mortgage enables

homeowners age 62 and older to convert a portion of their home equity into tax-free money without

having to sell the home, give up title, or make a monthly mortgage payment.

It’s called a reverse mortgage because the payment stream is “reversed.” Unlike a regular mortgage

loan when the homeowner makes monthly payments to a lender, the arrangement is reversed and a

lender makes payments to the homeowner. Now, turn the page to get the straight story…

The Top Ten

Reverse Mortgage Myths

Separating fact from fiction

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

[email protected]

janebranch.myrfc.com

One Easton Oval

Suite 400

Columbus, Ohio 43219

Consumer_Flyer_PurChase

rev: 2/11/13 ©

Contact me today!

The time to buy a house is now!

Our strong expertise is your advantage

Buying a home is a major decision. Whether you’re looking for your first home, your

dream home or an investment property, you deserve to get the best advice to help

you make sound decisions. You can count on me. Backed by a team of mortgage

professionals, my strong lending expertise can help simplify your home-financing

process.

Quick pre-approvals move things along

It’s a great idea to get pre-approved for a loan before you start house hunting. With

a Residential Finance pre-approval letter in hand, you can save time by looking only

at houses that fit your budget. Plus, you’re empowered to make an immediate offer

and beat out competing homebuyers.

Extensive lending options increase confidence

We want you to be as happy with your mortgage loan as you are with your new

home. Residential Finance offers a wide range of loans to suit a variety of homebuyer

situations, reinforcing your confidence in finding the one that works best for you.

Let me answer your questions and provide decision-making details about our home

loans. They include:

• FHA

• Fixed rate

• Adjustable rate

• Conventional

• Veterans

When you’re ready to buy a house, let my

expertise open doors for you.

Take advantage of today’s low rates and low housing prices

• Jumbo

• Foreign National

• Section 203(k)

• Investment properties

• And more!

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; ma morTGaGe lenDer #ml1652; 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); 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.

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

[email protected]


One Easton Oval, Suite 400 Columbus, Ohio 43219

Partner_Flyer_realtor advantage rev: 2/2/13 ©

Let’s work together.

Contact mefor more details!

We market you!Closing the loan opens the door to repeat business

The value of repeat business and customer referrals is huge. That’s why we reinforce your expertise by sending 11 follow-up mailings to each of your customers after their loans close. Each mailing is carefully developed as part of a series to resonate with the recipients and generate positive response. Best of all, each mailing can be branded with your name, photo and contact information – at no charge. It’s our way of saying “thank you” for working with us.

Boost your business with strategic follow-up mailings

• Welcome letter

• Customer survey

• Thank-you card

• Eight co-branded postcards

Your customer receives:

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

Dear Jane and Luke,

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.

Sincerely,Jane Branch

John RealtorRealtor ®

Sample Realty123.123.1234 [email protected]

Jane BranchBranch ManagerNMLS#12345

(123) 123.1234 [email protected]

JANE BRANCHRESIDENTIAL FINANCE CORPORATION1234 Street NameSuite 100 Anywhere, ST 12345

RECIPIENT NAMEMAILING ADDRESS 1MAILING ADDRESS 2CITY, 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; Ma Mortgage lender #Ml1652; 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); 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.

Jane BranchSenior Loan OfficerNMLS #: 123456

Tel. 123.123.1234 Ext. 1234

Tol. 888.123.1234 Ext. 1234

Cel. 123.123.1235

Fax. 123.123.2222

[email protected]


One Easton Oval Suite 400Columbus, Ohio 43219

As a Res ident ia l F inance loan off icer, you ga in access to a cata log of beaut i fu l ly des igned, lega l ly approved col latera l . Every i tem can be personal ized with your name and photo.

Our onl ine Market ing Store i s populated with more than 100 spec ia l ty i tems . You can choose f rom f lyers , brochures , booklets , spec ia l gu ides , s ignage , PowerPoint presentat ions , and other promotional and c l ient-bui ld ing col latera l . Just some of what i s ava i lab le inc ludes :

Personalized items that promote your services• Business cards, note cards, s tat ioner y• "Meet Your Loan O ff icer ” f lyer • “About Us” fac ts• “ I ’ve Got a New Work Home” announcements

Mortgage products addressing specific loans• First- t ime homebuyer • Purchase • Ref inance • Veteran-speci f ic• FHA-speci f ic • Jumbo • Foreign Nat ional• 203(k) renovat ion• Second mor tgages

PAGE 8

Partner_Flyer_realtor advantage

rev: 2/2/13 ©

Let’s work together. Contact mefor more details!

We market you!Closing the loan opens the door to repeat business

The value of repeat business and customer referrals is huge. That’s why we reinforce your expertise by sending 11 follow-up mailings to each of your customers after their loans close. Each mailing is carefully developed as part of a series to resonate with the recipients and generate positive response. Best of all, each mailing can be branded with your name, photo and contact information – at no charge. It’s our way of saying “thank you” for working with us.

Boost your business with strategic follow-up mailings

• Welcome letter• Customer survey

• Thank-you card• Eight co-branded postcards

Your customer receives:

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

Dear Jane and Luke,

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.Sincerely,Jane Branch







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;

Ma Mortgage lender #Ml1652; 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); 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.

Jane BranchSenior Loan OfficerNMLS #: 123456Tel. 123.123.1234 Ext. 1234Tol. 888.123.1234 Ext. 1234Cel. 123.123.1235Fax. [email protected] Easton Oval Suite 400Columbus, Ohio 43219

PROVIDING AMPLE INFORMATION

Our vast marketing library

The r ich assor tment of produc ts inc ludes pieces that are ideal to be ta i lored and co-branded with REALTORS® and other business par tners.

Our Marketing Store is available online, all the time.

The va lue of repeat bus iness and customers i s huge . For th is reason, we help you gather referra l s f rom borrowers you’ve worked with —to keep you in mind.

Our automated loyalty program can help you develop a loyal network of people who wi l l turn to you aga in for the i r mortgage lending needs . And, with just a nudge , may pass a long your name to f r iends and fami ly.

The advantages are obvious : You’ve a l ready c losed the deal , establ i shed a re lat ionsh ip , and proven that you have great lending expert i se . Why not leverage your efforts to grow your bus iness?

We promote you for two yearsAfter each loan c loses , we help boost your repeat bus iness by sending out a steady stream of fo l low-up mai l ings for up to f ive years . Our system automat ica l ly he lps you stay in touch with your c l ients with postcards and letters that can feature your photo and contact informat ion .

From a welcome letter and post- loan survey to fu l l -color, overs ized postcards pr inted on h igh-g loss qual i ty stock , each mai l ing i s sent F i rst-Class Mai l and scrubbed through the U.S . Posta l Serv ice database for accuracy.

PAGE 9

BUILDING YOUR REPEAT BUSINESS

Automated loyalty program

I AM ALWAYS HERE FOR YOUEven 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.

[BORROWER NAME], 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]

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

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

[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:

Name: _____________________________________________

Address: ___________________________________________

___________________________________________

Phone: _____________________________________________

Email: _____________________________________________

Regarding: Refinance Purchase Not Sure

CUSTOMER REFERRAL CARD

Corp NMLS, #1652

Ref#1234567

1 Easton Oval, Suite 400 Columbus, Ohio 43219

T 877.251.2874F 888.605.2665

[Date Here]

Dear [First Name] [Last Name] & [Co-Borrower First Name] [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:

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

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.

Sincerely,

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.

Joanna MacKenzieCustomer Service Manager877.251.2874 [email protected]

P.S. When you receive our Customer Satisfaction Survey, please take a few moments to respond. Your input is very important to us! We want to learn what we’re doing right and what we could do better.

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].

SAVE

This document

for future reference

“Where do I send my first mortgage payment?” Q

AYou received a Temporary Mortgage Coupon in your loan closing package. Residential Finance Corporation, ATTN: Payment Processing1 Easton Oval Suite 400 Columbus, OH 43219

“Will RFC continue to be my lender after I make the first mortgage payment?”Q

A

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.

“Will my loan terms change if the loan transfers to a new servicer?”Q

A No a transfer of loan servicing will not affect the terms of the Note you signed at closing.

“What happens to the escrow account? And, who pays my taxes and insurance?” Q

AIf 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.

“My prior mortgage included an escrow account, when should I expect to receive the refund of the balance?”Q

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

“How can I obtain a copy of my appraisal?”Q

AMail a request including your name, property address, and loan number, to: Residential Finance Corporation, ATTN: Customer Service1 Easton Oval Suite 400 Columbus, OH 43219

HELPFUL TIP!Call your insurance agent and provide them your updated mortgage information.

HELPFUL TIP!If your prior mortgage had an automated payment arrangement; contact your previous lender to cancel future payment transactions.

HELPFUL TIP!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.

Closing the loan opens the door to repeat business.

Dear Jane and Luke,

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.

Sincerely,Jane Branch







BRINGING HOME THE LOAN

Superior back-office supportSpeed, accuracy and cons istency! I t 's not just a motto ; i t ’s our way of l i fe .

The eff ic iency and speed of our underwr it ing department i s our main focus . Yet , we do more than c lose loans— we create pos it ive exper iences certa in to impress your borrowers and referra l partners with 24-hour underwr it ing , same-day c los ings , EZ-Lock™ Loan Lock , and more .

You can t rust our back-off ice operat ions team to help re inforce your reputat ion as a re l iab le home loan expert .

Scenario Desk No need to use the “broker grapevine” for your loan scenar ios . Our Scenar io Desk i s operated by qual i f ied underwr iters to he lp provide the gu idance you need to p lace your loan correct ly, and ensure the qual i ty and speed your customers expect .

Help DeskAccess our operat ions customer-serv ice he lp desk any t ime you have quest ions , urgent or otherwise . Our he lp desk responds with the speed, accuracy, and cons istency you’d expect f rom the nat ion’s most pro-sa les lending operat ions staff.

Quick Reaction ForceOur Quick React ion Force puts your worr ies to rest . Work ing f rom a spec ia l ized control center at company headquarters in Columbus , Ohio, th is team of top mortgage profess ionals makes sure each c l ient ’s loan c loses in an accurate , predictable and t imely manner.

• FHA (Federa l Hous ing Admin ist rat ion) “Fu l l Eag le” loans

• VA (Veterans Admin ist rat ion) loans with automat ic author i ty

• USDA (United States Department of Agr icu lture) loans

• State bond programs

• 203(k) renovat ion

• Jumbo

• Commerc ia l

• High Ba lance

• Fore ign nat ional

PAGE 10

ADVANCING REACH AND OPPORTUNITY

Sophisticated licensing strategyAs an honorable mortgage profess ional , you need to jo in a company that i s respectfu l and aware of l icens ing requi rements across the country. With str ingent mortgage industry regulat ions in p lace to protect consumers , i t ’s v i ta l that you’re fu l ly t ra ined, informed and author ized to se l l loans in d i f ferent states .

PAGE 11

Get licensed in multiple states to earn moreThe more areas where you can pract ice , the more bus iness you can take on . To make th is poss ib le , you must pass a nat ional and a state-spec i f ic test to sat i s fy the test requi rements of any s ing le state jur i sd ict ion . I f you want to pract ice in mult ip le jur i sd ict ions , you need to pass the state-spec i f ic test component for each jur i sd ict ion in which you want to get l icensed.

Let us handle all the licensing details for youAt Res ident ia l F inance , we have premier teams of lega l , l icens ing , qual i ty control and compl iance experts who stay on top of in i t ia l test ing and annual requi rements establ i shed by the Nat ionwide Mortgage L icens ing System and Reg ist ry (NMLS) . They aggress ive ly watch for new leg is lat ion or other changes that may affect how and where you may pract ice .

• Fu l ly l icensed and tra ined attorneys and para lega ls• Combined 50-plus years of lega l exper ience • Fast l icens ing turnarounds• Vig i lant , cont inual rev iew of industry requi rements• Aggress ive state-to-state expans ion p lan

currently licensed

WA

OR

CA

NV

ID

UT

AZ

AK

WY

MT

OH

MINY

VT

HI

MD

DC

DE

CT

NJ

RI

MANH

ME

NM

CO

ND

SD

NE

KS

OK

TX

AR

LA

MO

IA

MN

WI

IL

TN

MS AL GA

IN

KY

WV

PA

VA

NC

SC

FL

Residential Finance

Encompass Bankers Edition: We’ve taken Encompass , the award-winning loan or ig inat ion software , to the next leve l . The vers ion our loan off icers use has customized tools to he lp you c lose deals with more t ransparency, eff ic iency and ease .

NYLX pricing engine: We use the industry ’s leading product pr ic ing and e l ig ib i l i ty eng ine for l ightn ing-fast product p lacement and pr ic ing quotes . Th is system is fu l ly integrated with Encompass , a l lowing you to get mult ip le investor quotes with the c l ick of a button.

Velocify: Leads are essent ia l to your success . That ’s why we have adapted the Veloc i fy lead-management system with propr ietary customizat ions . In fact , our appl icat ion of Veloc i fy i s so sophist icated, that the company has asked us to endorse them to the i r new c l ients . (Th is serv ice i s opt ional for reta i l branches . )

Microsoft Exchange: On the road? On the Smartphone? There’s no reason you can’t stay connected. With Microsoft Exchange remote web access capabi l i ty, you can get your emai l anyt ime and anywhere .

MBS Highway: You’re g iven f ree membersh ip to MBS Highway, a cutt ing-edge d ig i ta l p lat form that he lps industry profess ionals to interpret and forecast act iv i ty in the mortgage rate and bond markets . The bra inchi ld of Barry Habib , MBS Highway offers exc lus ive informat ion that you can re ly on for u l t imate re levance , speed and prec is ion . Learn more at www.mbshighway.com .

TECH FEATURES

to support your business

• 24-hour intranet with

dashboard report ing

• Automated pr ic ing engine

• Indiv idual websites for branches with integrated short-form appl icat ions in Engl ish and Spanish

• Lead-management system

• Live support

• Real-t ime report ing

• Smartphone integrat ion

• Web-based loan organizat ion system

• Branch indiv idual websites ; integrated short-form appl icat ions in Engl ish and Spanish

MAXIMIZING CONNECTIVITY

Cutting-edge technology servicesTo do your job except ional ly wel l , you need except ional web-based serv ices and l ive he lp-desk support . Res ident ia l F inance has invested heav i ly in a l ign ing with severa l of the top technology companies to fort i fy how you can reach your goals .

Through our combined efforts , Res ident ia l F inance and our tech partners prov ide industry- leading te lecommunicat ions serv ices , wide- and loca l -area network ing , desktop and appl icat ions support , IT secur i ty, records management and d isaster-recovery serv ices .

Some of our tech partners and spec ia l ty programs inc lude :

401(k) programTo help you achieve your personal ret i rement goals , Res ident ia l F inance offers a 401 (k) program to a l l of our employees . You are e l ig ib le to beg in part ic ipat ing the quarter fo l lowing three fu l l months of employment .

Disability insurance through UnumUnum’s d isab i l i ty insurance i s des igned to protect you and your fami ly in the event of i l lness or in jury. The Unum disabi l i ty p lan pays out a port ion of your income whi le d isabled , with benef i ts beg inn ing at 14- , 30- or 90-day per iods , depending on your f inanc ia l need.

MetLife supplemental life insurance You may e lect to purchase a supplementa l l i fe insurance pol icy through our t rusted insurer, MetL i fe . Choose a coverage amount for only you, or for you and your dependents , through convenient payrol l deduct ions offered at affordable group rates .

Flexible Spending AccountsA F lex ib le Spending Account (FSA) a l lows you to pay for essent ia l hea lthcare expenses that are not covered, or are only part ia l ly covered, by your medica l , denta l or v i s ion p lans . You can save 20-40% on the cost of e l ig ib le healthcare i tems and serv ices , or use your contr ibut ions to pay for deduct ib les or co- insurance throughout the year us ing your FSA debit card .

PAGE 13

MEDICAL DENTAL LIFE VISION

KEEPING YOU PROTECTED

Benefits for you and your familyRes ident ia l F inance provides a wide var iety of a la carte benef i ts for our fu l l - t ime employees and the i r fami l ies . You wi l l be able to choose spec ia l ized coverage and customized benef i ts–whichever work best for you and your dependents .

LO RECRUITING BOOKLET DECEMBER 11, 2013 5:18 PM

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 REGISTERED MORTGAGE COMPANY RESIDENTIAL FINANCE CORPORATION NMLS#1652, (800-930-7334) REGULATED BY THE DIVISION OF REAL ESTATE; CT MORTGAGE LENDER #ML-1652; DE CHP 22 LICENSED LENDER #011831; DC MORTGAGE DUAL AUTHORITY LICENSE MLB1652; FL #MLD167 AND #MLD987; 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 NMLS #1652 LICENSED BY THE NJ DEPT. OF BANKING & INSURANCE, RESIDENTIAL FINANCE CORPORATION, ONE EASTON OVAL SUITE 400 COLUMBUS, OH. 43219, 800-930-7334; NM MLC#03691; NY LICENSED MORTGAGE BANKER AND NY REGISTERED EXEMPT MORTGAGE LOAN SERVICER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000 AND OH #SM.501840.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22315; 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 (WWW.NMLSCONSUMERACCESS.ORG); UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652; WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. WV MORTGAGE LENDER LICENSE #ML-32694; FOR MORE INFO VISIT RESIDENTIALFINANCE.COM/LEGAL OR WWW.NMLSCONSUMERACCESS.ORG

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