About AHL

Facilitating Home Ownership

“

If there is any organization in the United States today that takes a

sincere interest

”

in the welfare of its employees,

Acopia truly –Stonie O’Briant, CEO

History Acopia, LLC was founded on August 24, 2007, during a time when a number of lenders were exiting the industry. Acopia’s founders viewed this unfortunate time in our nation’s history as an opportunity to fill an unexpected void for consumers. While the vision of developing and growing a mortgage lending company amidst the market turmoil could have been viewed as a great risk, Acopia’s successes to date have proven the timing near perfect.

Today, Acopia employs approximately 300 full-time mortgage professionals dedicated to working as one team to accomplish our ongoing goals. We continue to grow at a controlled pace to ensure we keep the highest level of customer service at the forefront. Acopia’s continued growth and success will always provide career opportunities for our employees. The opportunity to work with a group of people who demonstrate in their daily activities a commitment to integrity and teamwork is the cultural experience that captures our employees and motivates them to keep working hard to help our clients achieve their dreams of home ownership.

Acopia is Fannie Mae, Ginnie Mae and Freddie Mac approved.

TIMELINE:

2010 Retail Division began Acopia Home Loans

2010 FNMA approved direct seller/servicer

2013 Began servicing loans and GNMA approved

2015 Freddie Mac approved

Licensed in 31 States WA MT

VT

ND

ME

MN

OR

WI

SD

ID

NV

IA

NE UT

AZ

CO

PA IL

KS

OK

NM

MO

OH* WV KY

VA

CT NJ

RI

DE MD DC

NC

TN

SC

AR MS

TX

IN

MA

NY

MI

WY

CA

NH

AL

GA

LA FL

AK

HI

*Federal loan restriction.

Facilitating Home Ownership through Employees with Acopia Values

A Culture where Values Matter We believe...

In building our company with persons who: Have a living commitment to moral integrity.

Have an enthusiastic sense of mission.

Have a sense of humor and mature assessment of themselves.

We believe in leadership which results in team creativity and prompt decision making close to the action.

We believe in hard work; we also believe in the dignity of work and the dignity of every person.

We believe productivity is attained by emphasizing strengths in a positive environment.

We believe that any success is short-lived if it does not involve mutual gain.

Why Acopia?

To our employees, we commit: We will treat you with respect.

If you have a comment or suggestion, we will listen.

We offer one of the most competitive compensation and benefit packages in the industry.

We will support you with defining and obtaining your financial and career goals.

We will offer great products, competitively priced with the highest caliber service available.

Facilitating Home Ownership through Employees with Acopia Values

Value Added Propositions

Sales Support Customer Service Department Purchase Priority On-Time Clos-

Encompass IT Support Desk Mobile App

Training

Orientation Train-

ings Loan Liaison

Underwriting Help Desk

Loan Scenario Guideline Clarifications

Technology

ing Company Sponsored Education Mentorship Program

Marketing

Benefits at a Glance Acopia is committed to assisting employees in maintaining a healthy, productive lifestyle for themselves and their families. We are proud to offer employees various comprehensive health and welfare plans. Our health and welfare plans focus on preventative health care services that protect employees and their families from the catastrophic financial loss that can result from injury or illness.

Benefit Programs • Health Insurance • Prescription Drug Insurance • Dental Insurance • Vision Insurance • Acopia pays up to 70% of the monthly insurance premium • Basic Group Term Life Insurance • Voluntary Whole Life Insurance • Voluntary Short Term Disability • Voluntary Critical Illness Insurance • Voluntary Accident Insurance • 401(K) Retirement Savings Program

Facilitating Home Ownership through Employees with Acopia Values

Product Overview We offer standard Fannie, Freddie and Ginnie agency products.

Agency

95% Purchase with 5% gift 97% Purchase Delegated MI Authority Homestyle Renovation Condos – Fannie, Freddie, HUD approved or approved with Limited Review Scores down to 620 80/15/5 Fixed in house 2nds ARM’s to 90% with no MI Non Warrantable Condo Foreign National

Government

FICOs down to 600 on most products FHA Products – including, HUD 100 Down with Escrow and Streamlines VA - cash out to 100%, IRRRL with no appraisal and IRRRL for investment USDA – including Pilot Streamline Program Down Payment Assistance Programs ( vary by

Product Overview

Appraisal Management

Acopia Home Loans creates approved appraisal panels for each region Fast turn times Restricted value search

Builder’s Direct Program

Extended Locks with Float down up to 270 days Co-Branded Marketing Builder Service Support Dedicated Builder Communications Manager

Realtor Services

Customer Service Support Team Co-Branded Marketing Mobile App sharing Milestone Communication

Facilitating Home Ownership through Employees with Acopia Values

“What I enjoy most about working at Acopia are the people that I work alongside every day.

They are family. The camaraderie that is formed with my co-workers is priceless. ” –Sarah Rosenboom, Closer “The Acopia difference is being able to bring the same products as the big banks but with the personal touch.

That leads to smooth closings, happy customers and great referrals!”

–Janice Boone, Processor “A high level of ethical and moral standards can be seen at all levels of our corporate family.

It’s a luxury to be a part of such a supportive team of professionals.”

–Cameron Lewis, Branch Manager “The benefits Acopia provides rival fortune 500 companies and their “culture” was just a perfect fit for me.

I love coming to work and how many people can actually say that? Service First and Acopia for life!”

–Kelly Bridson, Loan Originator “I couldn’t be a part of a better team or a better work environment. From the core of Acopia’s business practices, to every aspect of its work environment, we consistently operate with integrity and principles that have the best interest of our customers and employees in mind. ” –Heather Allen, Loan Originator Assistant

Your home Our commitment.

www.acopiahomeloans.com