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Creating Innovative Partnerships – One Lender at a Time

OUR STORY We’ve been getting it done for over 30 years!

Our company came to life in 1997 as First Houston Mortgage, founded by Dana Gampers and David Zugheri; bringing on Pat Walden and his equity partners in 2008. On our 15-year anniversary in 2012, we became one of the top 50 mortgage lenders in the United States as we launched our Correspondent channel. At Envoy, our extremely solid financial position is one of our greatest strengths. It allows us to grow and take advantage of opportunities to continually improve our Retail channel, and further develop our Correspondent Lending channel.

“We constantly search for ways to do what we do better, and that means capitalizing on the talents of every single one of our employees – including those on the ground meeting with customers to those who are working to build up our internal technological capabilities. There is no real recipe for this kind of dedication. Our success is the reward.” Pat Walden President, CEO Envoy Mortgage, Ltd. NMLS# 6666


Creating Innovative Partnerships – One Lender at a Time Nicolle Nelson VP - Southwest Regional Account Manager (AZ, NM, CO, UT) (480)395-8253

Nicolle Nelson joined the mortgage industry in 1996. She has worked in different channels which has given her great experience in different aspects of the industry. Throughout the years she has developed strong lasting relationships with her business partners and colleagues. Nicolle knows her success is directly tied to her customers’ success. Her dedication to her customers and their needs is why she has been so successful with lenders wanting to partner with her. Nicolle grew up in New Jersey but moved to the southwest in 2004. She enjoys working out, traveling and spending time with friends and family. Contact Nicolle for your correspondent lending needs.

Dan Hastings, CMB

Executive Vice President Correspondent Channel

Todd Cheney , CMB

Senior Vice President & COO Correspondent Lending Division

Todd Potter, CMB

Senior Vice President Correspondent Sales Manager

Jeff Haar

Vice President Western Division Sales Manager

OUR PARTNERSHIP COMMITMENT From registration to funding, our commitment to you is to always provide fast, reliable, professional service. We stand behind our promise to make the correspondent execution as efficient, stress free, and pleasant as possible.

Whether you are originating locally or across the country, our team has the experience, products, and dedication to help you promote your business. Experience the “Experience” by partnering with Envoy: • Dedicated Sales Teams – Your Regional Account Manager and dedicated inside Lender Support Specialist are both committed to tailoring solutions to help you grow your business. • Direct Access via phone or email to the following departments: Registrations, File Delivery, Underwriting, Funding/Loan Suspense, Post funding, Quality Control, Servicing and Website Support. • Experience Since 1984. Our seasoned CLD team will help guide the orientation process for each new lender partner and provide continued training opportunities that will fine-tune the overall lender experience. • Rush Underwriting on purchases upon request. • Web Portal with comprehensive access to • Locks/Extensions • Live Reports

• UW/Funding Conditions • Lender Guide (AllRegs)

Creating Innovative Partnerships – One Lender at a Time

Envoy Mortgage, Ltd. NMLS# 6666

WHAT OUR PARTNERS ARE SAYING Peter J. Boretti Jr., Controller – Mortgage Corp of the East III “Doing business with Envoy Mortgage has been a great experience. The Underwriting Department personnel are very knowledgeable, experienced and friendly. The communication levels are exactly what we are looking for from our investor underwriters – we’ve even been able to run scenarios by them! Envoy appreciates each loan and treats each customer as important as we do. They are a pleasure to work with – including the funding Department and Lender Support Specialists. All aspects off Envoy treat us with respect and are always looking to help us get the loans closed and purchased.” Matt Yacobozzi, EVP – Secondary Marketing, The American Eagle Mortgage Co “We have worked with Jeff Cothern, and other members of Envoy Mortgage, for many years in Mortgage Banking, so it was a natural fit to get approved as a Partner with Envoy. Our experience with everyone there has been nothing short of spectacular. From the technology, to the hands on care and communication, the process from the initial lock, to getting loans funded is as good as it gets in the industry. We look forward to continued growth and many successful years working with the Envoy Team.”

Johnny M. Snow, VP – Mortgage Lending, Southern Heritage Bank “Envoy Mortgage has been very enjoyable to work with. Their underwriters are very personable and are accessible if needed. The entire staff is very knowledgeable and they make the entire loan process a good experience.”

Larry Bell, VP – Mortgage Loan Manager, Bank of Idaho “ I was very impressed with the help I received during the approval process. All of my questions were answered very quickly. The servicing level is very high. We have found that the Envoy staff is very proactive to help us clear suspense items and get our loans purchased quickly.. The ‘let’s get this loan purchased’ attitude starts with the President and is evident at all levels.”

Tracy Kuehn, Assistant Manager – First Community Bank “First Community Bank has found that Envoy Mortgage’s pricing is very competitive, their system is easy to use and they give great turn time on purchasing loans. They service the loans without selling again, which has been huge for our Borrowers as they know where they will be making their payments. I would recommend them to anyone searching for a new Investor.”

Creating Innovative Partnerships – One Lender at a Time

Envoy Mortgage, Ltd. NMLS# 6666



The Charity Award$ Challenge is a charitable program created for our mortgage lenders to give back to their communities. Lenders who fund more than $15M+ in production in a calendar year have the opportunity to award the Charity* of their choice with a donation of up to $30,000! Donations from the Charity Award$ Challenge help fund causes like pediatric cancer research, domestic violence and homeless shelters, athletic scholarships, food banks and children’s advocacy programs. Bronze















To maintain the highest standards of excellence, participating nonprofits should *Be registered 501(c)(3) charities *Practice transparency and accountability This is not commitment to lend | Envoy Mortgage Ltd. | NMLS# 6666


We have established a partnership with MBSQuoteline allowing two designees from each of our top Lending Partners access to a trial subscription to MBSQuoteline’s Full Service platform! MBSQuoteline provides real-time mortgage-backed security (MBS) prices and other mortgage market information to its subscribers with a special Secondary marketing version! Market information is provided by the following a number of methods: web-based, mobile application, email, and SMS/text. Subscribers can choose any or all methods, so they can receive essential market information whether they are at their desk or on the road. Free use of MBSQuoteline’s Full Service for two weeks to up to three months (limited to two employees per company) depending on your Partnership level:

MBSQuoteline Services include: • • • • • •

Mortgage Time Weekly Real-time Market Updates Market Alerts Live MBS Prices Intra-day MBS Price Tracking Charting

• • • • •

Economic Calendar Market Archives Live Treasury Prices and Yields Industry Benchmarks Mobile Access

Partnership benefits include: • • • • • • •

Free use of MBSQuoteline’s Full Service for two weeks to up to three months (limited to two employees per company) depending on your Partnership level: Website access, desktop and mobile Emailed market updates and alerts Text messaged market alerts Personalized weekly market summary Monthly webinars during the introductory period for employees of our Envoy CLD Lending Partners o Factors driving mortgage rates o Uses of market information Special pricing for those who wish to continue o Month-to-month subscriptions (no long-term commitment)


JOE FARR MBSQuoteline - Director of Sales and Marketing Direct: (512) 637-1763 Email: Website:

Creating Innovative Partnerships – One Lender at a Time

Envoy Mortgage, Ltd. NMLS# 6666



Conventional, FHA & VA Only Minimum credit score 680 Lender must underwrite Manufactured Homes AUS  Conventional DU Only  FHA/VA – DU & LP

• • • •

Single-wide units are ineligible Primary residence and second homes only High balance loans are ineligible Qualifying ratios  Conventional - per AUS  Government - max 50%

Additional requirements regarding our Manufactured Homes products can be found online in our Correspondent Lending Guide. Lenders must meet eligibility requirements prior to delivering Manufactured Homes to Envoy Correspondent. Please contact your Regional Account Manager for more details.

Creating Innovative Partnerships – One Lender at a Time

Envoy Mortgage, Ltd. NMLS# 6666

SERVICES & PRODUCTS Our experienced team has been exceeding expectations since March of 1984. Our core strategy focuses on partnerships, which requires a deep understanding of your business and how your company can compete more effectively. Whether you are originating locally or across the country, we have the experience, products, and dedication to help you grow your business. Experience the “Experience” by partnering with Envoy Mortgage’s Correspondent Lending Division.

SERVICES • FNMA/FHLMC/GNMA Seller Servicer • Best Effort and Single Mandatory Delivery • Dedicated inside and outside sales support team • All-inclusive web portal to manage your business • FHA Sponsorship /Authorized Agent • AllRegs Lending Guide • Comergence Lender Management Portal • UW Scenario Desk – providing expert guidance • Rush underwriting available on purchases

PRODUCTS Conventional – Fixed & ARM’s • FNMA and FHLMC • Including HB & SC • FNMA 97% • HomeReady • Texas 50(a)(6) • DU Refi Plus w/no LTV cap • Manufactured Homes

Government - Fixed • FHA – Including Streamlines and HB • VA – Including VA IRRRL and HB • USDA • VA Jumbo • Manufactured Homes

Jumbo – Fixed & ARM’s • Up to $2,000,000 • 1st & 2nd Homes • Cash out up to $250,000 • Business assets allowed for down payment • No pricing hit for Escrow waivers

Creating Innovative Partnerships – One Lender at a Time

Envoy Mortgage, Ltd. NMLS# 6666

Creating Innovative Partnerships – One Lender at a Time

Envoy Mortgage, Ltd. NMLS# 6666

Envoy Mortgage Correspondent Lending Division,Nicolle Nelson, Regional Account Manager,480-395-8253  
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