Your home for......

Success.....

Since 1898, the Bank of England Mortgage has put the client first. Our decisions are made locally with our clients’ best interests in mind. Since we know our clients and the local market, we can identify the best way to help them reach their goals. Building on that foundation, we have grown to a company of more than 800 employees with branches in over 35 states.

Personal. Dedicated. Local.

Personal

We know our clients. We see them every day at the grocery store, at little league games and at the PTA. Because we know our clients so well, we are more in tune with what they want and when that knowledge is combined with our mortgage expertise, great things happen.Our communications echo this sentiment. Our desire is to see all our clients’ goals are met. Our impressions are simple from a personal experience that we all share.

Dedicated

From our humble roots in 19th-century Arkansas, we have grown, becoming a mortgage powerhouse with offices in over 35 states. We accomplished this growth by a singular task of putting our clients first. All of our actions are motivated by what is in the best interests of our clients.

This simple philosophy enables us to grow while so many of our competitors crumble. We are singular in mind and singular in purpose; our goal is to help our clients make well-informed decisions and to stand by them as they make the most important purchase of their lives.

Local

Bank of England Mortgage is here in our communities. Because of our local roots, we are able to provide a well-rounded review of a loan application and make recommendations that will help our clients meet their goals. Unlike other lenders, we do not solely rely on an automated underwriting system at a corporate office. Because of our expertise, we qualify more borrowers, identify their needs better and ensure that each customer gets the right type of loan.

We will not stop until we have exceeded our clients’ expectations. We don’t just look forward to that opportunity, we thrive on it.

Bank of England Mortgage is a brand of integrity and expertise. We strive to gain our clients’ trust and then we pledge to use our mortgage expertise to help them meet their goals. We do this through a combination of developing teams who give extraordinary effort and utilizing every piece of information available to find the ideal match of homebuyer and loan program.

Bank of England Mortgage utilizes technology to research loan programs and find as much data as possible on our clients’ habits, lifestyles, wants, needs and desires. Our mortgage experts then refine the data to build a profile of each customer which we use to find the best possible loan program.

Bank of England Mortgage meets the needs and desires of our clients with expert advice and a no-nonsense approach to mortgage lending. We don’t settle and thrive on the opportunity to exceed expectations.

Belief

Opportunity

Principle

Reasons to Believe

Mortgage experts at the local level

Superior operations and technology

Desire to exceed our clients’ expectations

Testimonials

Customer’s POV (Point of View) on Their Mortgage Provider

Never in my life have I received such excellent customer service and genuine concern for my satisfaction. I began searching for a home mortgage about two months ago. I am a first time home buyer, so I was prepared for a long and stressful path to buying my first home. My experience was the

complete opposite, however, and proved to be very easy and extremely quick.

I have recently purchased a home and had my financing done through Bank of England Mortgage and I wanted to send a quick note on the incredible service and professionalism I received from the entire team! I have worked with

several lenders over the past several years and not one of them, large or small has brought the value, customer service and true commitment to me on multiple levels as Bank of England Mortgage did. They made theloan

process efficient, friendly and focused on the needs of me, the customer!

Jennifer C. - Albuquerque, NM

Scott W.

Core Desire

A simple, quick and hassle-free loan application process.

Consumer Insights

Programs

Direct Seller Servicer GNMA Issuer

Other Opportunities

ConformingDURP & LP Relief

Standard Purchase & RefinanceFNMA HomePath© Construction

& Renovation©Manufactured Home Options

Freddie Super ConformingLimited Review Condo

USDA Rural HousingPurchase, Rate & Term Refinance,

Streamline Refinance, andPilot Program Refinance.

VAVA Jumbo

Cash-Out Refifinance 100%IRRRL no apprais

Reverse MortgagesHECM Monthly Adjustable

Line of CreditHECM Fixed (100% Draw)

HECM For Purchase

Jumbo Fixed & ARM5/1 7/1 10/1

up to $3,000,000

FHA 203(B&C) PurchaseSFD, MFD, Condo, Manufactured, Modular REO (HUD or Other) HUD w/ Repair Escrow Manufactured Home Options 203(B&C) Refinance Rate/Term Cash-Out Streamline No Appraisal

203(K) Purchase or Refinance Streamline & Full K

Entrepreneurial Branch Manager ....Together We can

Entrepreneurship - The capacitand willingness to develop, organize andmanage a business venture along with any of its risks in order to make a profit.

At Bank of England Mortgage we mitigatethe risk. An FDIC , state charted institutionwe will handle your QC, accounting and licensing, under our umbrella.

Your Company...

Big enough to grow your business. Small enough where you matter. We understand who our customer is… YOU! The Branch Manager & the loan officer. By providing the service you deserve, your borrower will get the lending experience they deserve. Our corporate senior managers all have had “Shoe leather on the street” originating mortgage loans. We get it.

For imformation on how to makeBank of England Mortgage

your home for successContact

Roger PhillipsSr Vice President

Director Business Development205-824-7270

rphillips@englending.com