Page 1


Your Opportunity Begins Here.

Let’s Get Started! Joe Donnelly Vice President of Sales 813.316.2165 Direct 888.644.3507 Fax 4010 W. Boy Scout Boulevard Suite 600 Tampa, FL 33607


A Culture Of Excellence.


If you can’t get loans closed with speed, accuracy and simplicity, little else matters. Our focus is to offer efficiency in our underwriting department that meets your needs and exceeds your expectations. It is this level of professionalism that allows us to attract and retain the top producing talent in our market.


With fewer loan products available in the general market, it is important to work with a company that has access to all of the remaining programs. FHA Full Eagle certified and have VA Automatic Authority; we also offer USDA, State Housing Programs, Conforming, Jumbo, Reverse, Commercial, 203k, High Balance and




Providing you with the tools for success, a roadmap to get there and instruction along the way, RFC’s training pros allow you to reach new heights and accomplish your goals.


We have a dedicated licensing and compliance team to support you in maintaining your current licensing as well as increasing your licensing footprint.

Page 2

Residential Finance Corporation - NMLS 1652


Integrity. Relationship. Value. We hold fast to strong core values in our business. Commitment to these values allows us to build trust with clients, because we consistently show integrity in the workplace, acknowledge success, and celebrate achievement. To achieve our mission of providing best in class service to our employees and customers, we have adopted a value system built on three key components: integrity, relationship, and value. These values create a community of people who work together toward a common goal.







Whether you’re an IT genius,

A career at RFC is more

a seasoned Loan Officer, or a

than funding loans.

marketing guru – a career at

remembering that we are

RFC is about under promising

people working with and for

and over delivering.


people. It’s taking the time to

about ensuring your actions

form deep relationships with

match your words.

our coworkers, customers


about returning calls right


away – to each other, to

means not only knowing

our vendors, and to our

our clients credit history but

customers. That’s integrity.

also knowing their children’s



names and personal goals.

forgetting that a home loan

That takes work, and it

is not a business transaction

doesn’t happen overnight.

– it’s the financial security of

But it’s rewarding and it’s

our customers and the place

worth it.



they put their children to





Values Price is what you pay; value is the tangible commodity of what you get. Value is more than a great interest rate on your mortgage. It’s closing your loan on time. In the end, value is about increasing the quality of life for everyone involved in the process – our customers, each other, our vendors and suppliers. We believe in developing a bond that lasts beyond the closing table.

Family Work









When we spend 40 hours or more a week in the company of other people, they tend to feel like family. At RFC, it’s no different. We believe in our value system, work together to achieve the same goal, and understand each other’s successes and struggles. This atmosphere allows us to laugh, share, play and work together. It is truly the kind of family of which you feel proud.

sleep, every night.

Page 3

Residential Finance Corporation - NMLS 1652


Here you’re never a number! OUR CULTURE Work can be demanding. Join our team and you’re guaranteed to be challenged. We require you to go to extraordinary lengths to WOW your customers – both internal and external. We’ll expect a high level of passion, energy and dedication every day.

WORK HARD, PLAY HARD... RFC STYLE! And for those with the heart to become a part of the RFC family – we promise you’ll never feel like a number as we strive to inspire you. We make you feel like you are a part of something bigger than just a company. We are family, and at RFC no one is a number. Every associate, in every position, can see their effect on the company, our customers and our community.

You spend a great deal of your life at work. Why not spend it with people who treat you like family?

What Does Culture Mean To You?

Page 4

Residential Finance Corporation - NMLS 1652


Leadership Stength. Our management team is instrumental in the healthy growth of RFC. In an industry that demands vision and innovation, our team’s knowledge and dedication has given this company a huge competitive advantage. Michael Isaacs, Chief Executive Officer

President and Chief Executive Officer Michael Isaacs founded Residential Finance in 1997. Mr. Isaacs’ leadership enabled the company to increase revenue 63% over the past three years and has led to over 12 notable awards, including INC Magazine’s Fastest Growing Companies List, Best Place to Work, and Sales Department of the Year. His career in finance spans more than 20 years in the mortgage and building industries.

David Stein, Senior Vice President & General Counsel

As co-founder, David serves as Senior Vice President & General Counsel. David directs legal, regulatory and compliance efforts. He gained significant experience as a private legal practitioner with emphasis in labor and employment law, real estate and civil litigation and is a former adjunct professor of law at The Ohio State University.

Barry Habib, Chief Market Strategist

Daniel Jacobs, President of Retail Branching

Barry serves as our resident market expert providing our sales force exclusive market insights, through daily videos, sales calls and real-time bond quotes. Before joining RFC, Barry was the founder, creator and CEO of Mortgage Market Guide, which helped to interpret and forecast activity in the mortgage rate and bond markets. Barry has also enjoyed a long tenure as a financial commentator and expert on FOX Business News and CNBC’s Squawk Box.

Daniel serves as President of Retail Branching, overseeing the strategy and growth of RFC’s Retail Branching Division. He previously served as CEO of 1st Metropolitan Mortgage, a national $4 billion per year, 250 branch national originator. Named one of the “Most influential Mortgage Professionals Under 40” in 2009 & 2011, Daniel has been published and quoted as an industry expert in publications such as The Wall Street Journal .

Doug Harris, Chief Operating Officer

Jessica Manna, VP & Chief Marketing Officer

Jude Tribble, VP & Corporate Counsel

Alan Rabideau, Chief Information Officer

Doug directs all lending operations from disclosure through secondary. Previously, Doug spent nearly a decade at the nation’s sixth largest bank, US Bank, where he was responsible for leadership and P&L for two of the bank’s divisions – Secondary Marketing and Correspondent Lending – and was key in helping the bank grow its assets from $14B to $170B.

Jude has served as our Senior Corporate Counsel for over two years and is in charge of directing the legal, licensing, quality-control and compliance departments. In her tenure with RFC, she has helped create a premier licensing and compliance operation, which has grown in significance and scope in recent years. She is an industry veteran and a frequent lecturer on topics relating to regulatory and compliance initiatives.

Page 5

Jessica directs all advertising, public relations, lead generation, and interactive marketing. Previously, Jessica was a consultant at a database marketing agency serving many top mortgage banking clients. She is listed as one of Direct Marketing News’ “Top 30 [Marketers] Under 30” and under her direction the RFC marketing department has been honored to win four awards of excellence.

Alan directs all technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Alan’s 10 year career at RFC has led to continuous innovation and improvement, leveraging technology to improve productivity, efficiency and user experience.

Residential Finance Corporation - NMLS 1652


Excellence: Our Passion, Our Obsession. Our dedication and downright obsession with service has been recognized time and again by some of the most respected experts in their field, as well as by our peers, employees, and partner companies.



American Society of Training & Development

Business First



American Business Awards

American Marketing Association



Columbus Business First , Tampa Bay Business Journal

Direct Marketing News



Inc. Magazine




Columbus Business First

National Center for Database Marketing

Page 6

Residential Finance Corporation - NMLS 1652


Market strategy. Expert Guidance. BARRY HABIB, CHIEF MARKET STRATEGIST Barry Habib is one of the mortgage industry’s most knowledgeable and experienced professionals. He has more than 17 years of experience in the financial industry and appears monthly on CNBC and Fox News as a financial expert. Barry has joined the RFC family as Vice President and Chief Market Strategist. Along with his success as an originator, Barry brings the RFC family his in-depth understanding of the market and ability to forecast mortgage rate and bond markets. By offering training and one-on-one coaching and support, Barry will help originators and branch managers develop the skills to successfully create and maintain relationships with Realtors and builders in their communities.


Page 7

Daily Market Watch Videos Real-time MBS Quotes Sales Calls Realtor Events And more...

Residential Finance Corporation - NMLS 1652


marketing: Your success is our focus. You have a full service marketing agency at your service with over 40 years of combined marketing experience and mortgage industry specific marketing expertise. It is our goal to support your success and profitability.

In-House Award Winning Agency! ed… Combin keting s mar 65 year ce & 28 n experie tgage or years m ce! n experie

Corey Trujillo

Karmi Van Wyk

Annie Keener

David Hay

Troy West

Sean Burke

Marketing Director

Pricing Analyst

Sr. Marketing Strategist

Senior Marketing Analyst

Marketing Coordinator

Social Media Intern

JESSICA MANNA, VICE PRESIDENT & CHIEF MARKETING OFFICER Jessica directs all advertising, public relations, lead generation, and interactive marketing. Previously, Jessica was a consultant at a database marketing agency serving many top mortgage banking clients. She is listed as one of Direct Marketing News’ “Top 30 [Marketers] Under 30” and under her direction the RFC Marketing Department has been honored to win four awards of excellence.

Page 8

Residential Finance Corporation - NMLS 1652


marketing: endless resources. We want you to be all that you can be at RFC, and we give you the marketing tools to ensure you reach consumers with your message of excellence and commitment.

MARKETING LIBR ARY • Catalog of effective and compliant collateral. • Personalized with your name and photo. • FEATURES Available for Realtors and business partners as well as customers and prospects. • Many pieces to choose from including: • Purchase • Refinance • About us • I’ve moved • About your Loan Officer • Products (203k, FHA, Reverse, etc.) • And more... • No cost, quick turn-around for custom design pieces.




. ssion obse Of ’s an e and aga in by sOm. whe ile ers ion, it d tim r pass has bee n rec OgnemizeplO yee s, andstbOrandrOwmO st val ued u o t just iOn wit h ser vicase by Our pee rs,me nt, Our gre atenee ds. o n your own ir is ll Obs ess nn Er ate as we cOm mit fit the Wicre n tOtim e Dto ence nri ght fie ld, - 3x Of Our t lOa aW ar nored Excell ded ic ati On andteddOwexp ert s in theandircOn fir matiOfinn din g the besIt’s rin G ice ho find E ca . Tw

it y OppOrtun A Mor tg

l nce ntia ina side al F nts a re nch er enti clie n is . ing Bra Offic esid ratio help ne Loan 1997 ut R orpo Ja e C l ior been 345 Abo sinc nce entia Sen # 12 has t Fina ans esid at s LS lo irec 0 th ha tial , R D NM 10 OH and iden nker ance 1234 Ext es Res ida, e ba bus, refin stat 123. 34 um Flor tgag and g 800. 123.12 10 Fax Col er 30 ew mor udin in ov s, N om d in hase 123. 567.89 incl fc.c Texa ness rtere purc ide, myr 234. busi nw ona, dqua ch@ finan Ariz Hea does natio ran ential es nce and, e.b yl Fina al offic jan .resid Mar d by w ina. a, on rtifie reet arol ww olin an ce St regi Car th C Urb le” ont th Nor s Eag and 215 N Fr Sou and ull e ha 401 e 300 OH 43 sing ey, g “F nanc Hou Jers rity bus, Suit bein l Fi ho m t of to Aut a entia Colu e, tmen tion atic esid t ch er azin data om addi epar itmento ), R In Mag Aut mm and ple . D an ag UD a co subject er k, U.S ion t (H ion INC sam Br Man dit or r is , Lend e l ct Wor trat the rat men e of Yeare to of cre rrowe 2; VA rtgag inis offer as. Bo #165 , Mo oker 4 te ire o elop the an inch nore Place t an are LS, 2; AZ e Br alJ ran al D t of 23 d ll rpev ans Antidm t e ho 5. No in all rp NM 0106 rtgag .us/re er oted tim Bes e o-ts B as 23.1 234 2 ce x tmen 4321 ailable ms. Co nker #1 CO, Mo d Lend e Co er St n qu .1 2 s, OH are av gra e Ba 726; ense rtgag . epar r of ss .1 en te ce Vet reissida tw fa pro bu D 3 Mo ag w.d Lic 39 CO , . cts of cli windene such 8ey 00 .12 2.22 11 dre Columprodu stated , Mortg . 60 at ww p 22 2; FL nator ing is an ad ales g 300, ms & for the 5; AR ense Noginator DE, Ch S165 Origi n Lend No. 2 .11 Ad in ions isan nce intime ca BAl S 5 ML an Ste fy 02 Mon 23 ori a 0; at gra Lie e Lic er ali #N .2 Lo 4 21 n 1 St, 90 n ic 1 lF h art Fina elpe- a d the eAnti n pro first qu MB Law ur loa No. 12 ense rtgage I First e Lend & SR thhre 23 N Frontall loaom tio er stor 22 .11 nc publ er st sl tia l Sm tia r rtgag 4201 nd me Brok Lenderstus of yoLender thority LicHI, Mo 2; IN, DF inve 2 t 11 Bra 0 T 1: 401 n. Notlinfces.c & mu ora een osvewon esid iddenha , umer , Mo nder FL age Le N.J. urna en its rp es 1 3 ha .crtgoagFinance nse startgage Dual Au. 19399; 000556 R Resan codns b a 2; MD & sLe , Mortg d by the Loan r 10 RF,CSHQ a loa guide id yr AL, Mo et Jo and larg e s Co as #165 okereran; MS fo 12 ite ameto madekerwriting40m .rfcCA,Check onlicedent MoMortgagene see Noe No. MB ar es se Br et 02 sa LicenseMortgag BankerH,d. tes and lori alwl Stre 000; h n’s s aw 843; h er , m, se Licen age 04V95 O ce F age Brok rtg 02 an ; NJancendary Su yN unID#259ch55@BK-09n05c002977,5CorrespColumbia er Lic en rkan tR natio 2; Ace Ne an that ssttary g the,W lo in co 775d Mortgrtgage the PA s, n er bNora. 10 m; CT trict of age LendrtgageagLice Lendt &ing2nd Mo the -MO-65 Fin5;an &FSe in 8 ou Cit 29 se s/ , Mo #1 er 02 eria d by 408; For raBank se ce mbu inr 2du din k, as e of s. e Dis Mortgential Mol Mortg MI, 1s tor No. CoMN 00en .u nkrn , Lic l F ker r um21Ba OH t se -0508 lleria ns lu ee Tex and Ab e an NY10 84e.5;co istr, icLicen csw som e.b Licaenntate/ind 31; DC4675, ; GA, Re n tia sid tia & tifie MagB e al69ifo1; o. na bank 52; ers er MB o Ga ration ov New fin Colu in , e, C N. L-1a.39 stat63; DPA nd ba en ude r .; 03 ent r its Brok e5, Tw ain 3 ; IL, siden ML16 e Origi nkingIdenMortg jan w.jes . 0118 D1 Re rpo re se cl nt fo 52 , n ke No 2 e y No in Le . 45 b nder rtgag pt of Baonde 43 se eNo or -5090e0;Loan e, sty m er ML d sid s in oaz o.te Co s Licen tgag23Sta n ge in qu mp Mo Broan 58 encensenwwse.d ML an 12ag en No ww Lenden#se1 HI#1-166242;rtgLAAage Le l indve n hips , N tia es nwid MAag riz tial MS De rreUspnian Co e -090er Lic Mor VA Re rtga e an sines tio i the e ie d o.rtg tgag know r Li Licw , Mo ee r Bu a yLo tgage LeKnd e Lo ai en ts tions sin , re o LLicSLicense; MA, MoA,TResiddenby thence, NJ Co nding :// SC N Mgisortrad by s o vers if st istre rtg ag B Le aw nsste id et roke22ht13tp5; erer, Re ly Hom m rtgag t di cert Urb as be ha arte s bu nati land re. la Mor kertgr ageeBNo a enseH WALiceMaRes chus sota . NM 111431056L9;E DMN9 License& InsuraNM, Mo Reg , Mo e. Lic Bandnk rid high rc 9;52 e E sa ne 09 his Mo agse or atage Le a d mos ” d d4; NCma B, an lo , 39-16 F s rvic qu doe en at rtg e 0; FVA 00 P 4/200 nking 825; an OR pu are ary lin CL tgag SA Mas Min 4/20 ey: an ance 24 ; y 19 nce nd se ortg igL inMo ce gle M43 Ba 9945 B5tem007862A.00 laba0;agenderMLic ad or a ice M #4 ano. ro an aer e 9; 43 rs nt tgag75 52 nce or sorTX 260; etgLe perie to o , SM Ea ingl Fininan stom 16 mp, N tial M sian 143; 56 #4 Je de o 11 © SA Dept.enofsee Noing Dept.Sys.80 off na, He anc Co ty Ca e- Fina DallaM ic 00 rtgMagor40or93ad; TX l d ex li lo00an, nter LoManLS6BnsAee iden ; Loui o. 11 0010 nder ; New sponM07 re l Lic Bank Reingg MBPA ustia l Fto cu ori ex/19/ . ol . 10 ull iden 40Moa No ent rth YS e um de 2190ce es Fin iona aro thtia on dge an th en “F ing55 enon at NYS Cert of nsnk59 se 6; ,CSteag itm , ns Ho en 42 , N SR e Le ce orreRev. r-N o on . #N Li No C g Au es,ida w le sp ernsNoe e s R 62 er er, ag an C New ke Ohi h nti mm g Resf Act LiceBa #2 LicAriz Rd tg , Co rate in el 72 of or d nd . e re ey o tg nk F re ag st ce nd in ID age2; 5 No 7; Ban ; nc 39 m; WAorBa ticat R e hkn mitm inoi #1 rtg Deagpt.e Mo asow ardeir co uth , an 0645 60 30ur03rtgagCe y Li ortg ; Ill nse e Le d Le Mor mer Jers 71 e 9845o Bra nia: r, , er at 13 . be ent comesid mntas azinhose e be tgTN MC Mo ut rit l M 52 ce ag an ippi su ew 58 va r 01 ion So g w nd ey lta , ic No. yo R aw th y at th Li tg r Mor ndwe#1 easy L0 tgag 13 hi yl ke Le to r, of ho O tr to N by on a WI ct tia o. 16 To iss an ss ns d rs s an rtm ), onsuu us; ne l Aut iden #HI- ing d Mor roke issi d C e, No Mor N 00; Pen e B roke e M rts , a sedear ide ion Cor mmnse,36at52 pe n Je e an du lo , B M an nc er nd on 40 pa UD C on A ex nw trat Banke io ra ee nsed nd 121. 63; tgag an B tgag 0; inst eekrtabl ork as Y Lice02 st ; C Dua Res nse Le ylan age ; be #6 ed C atio is 02 or 24 su ng se dit De Le in e ns w fo W (H N surp the d thein ce atitrainof IN en htm e ia ce en ar tg 95 ki In e .803 50 Mor Lo M 75 ton . swm e, ad Admortgag s La e lic dex. tgag eorg ny Li irst Li 2; M Mor 04 Ban and Lice k: Li ns MB ML- irst age xas TX hing ess nt istr e onlyto ofs fin ted essewco azin s M nder th e/in Mor 7; G pa FI F #165 gan M02 t of ng Loan Yor Lice ker nse a F ortg Te las as in © In in U.S me re e ce iet nt o oc N m p Le heck stat bia 16 Com a D e ichi , No. en anki e ew ina Bro Lice vani a M 6; Dal ; W r Bus 1 ag ship t e no ar Pla ing cl qu pr s en lo M Ad th t C al-e um MLD or an cens 0; M ator artm B tgag ; N arol age ing nsyl olin 0841 0, 3003 aste 9/1 m eenloan h a ho y s ve os on ol at di Li 76 in ep t of or 91 C tg eshelp rt c e en ar 05 .100 C M re e n 5/2 ti C In nd C in e D m P g M oft pa ing th De ra su im of cens Orig 562; ndin , ML2 Orig ippi tmen ry o. 36 North o Mor e Le ng, th 408- Ste , M ton ev. 0 fB on rela d te s M De ak is R o-t er o Li an 05 Le er age siss epar da N ; Ohi ag anki ; Sou 0508 Rd, sion hing an r on 85 rt nd tg Ve on s m e e tw l mis Was 00 Lo n c ti a Le ortg Mis . D ec ny 45 0; or B 93 B le sto est a MB ortgag age l M the N.J d S ompa 10 3.00 n M t of o. 40 h M Noe Com ), ca an win Sm inve Sa is rg in bli its M ortg entia by the r an e C BC 63 rego tmen N nc 455 n 2705 906. e la al A l F r pu M esid ed by ke ag t, LM .500 ; O epar nder Bra 13 ratio h #5 21 r tim AB its urn fo tia an n’s R cens ed Ban ortg en SM BR a D e Le olina- er at orpo nc No. e e Jo 1- ni ag ar w C (Bra r, m en tio nd Lo Li ns e M tm e n t th u ke 00 ar d a na . e Lice ortgag tere Dep tificat 2. nsylva ortg th C ria To tate 629 Ban sid ow ns tree m, hly e M egis ng Cer 0266 en e M Sou alle ia S 52 e Re kn Hom hig co ks S o th ce .8 P se ; ki s G in -CL- tgag R d .c e B an all . st en re of Ban ines e M by th nnes 3000 Two e Virg 20 Mor es an tb W be eri t to ice e a e Bus cens ed 5; Te -062 5, th ny #5 nsin e orb en rv m xp c n , F th Li cens 13 08 4523 by pa isco is se so an d e itme rate stm d Li o. 22 5084 o. nsed Com ; W e er t an Fin e an de inve N B-0 r, N Lice an 52 m . nc m l es a clu sy M ke ia: Lo 4036 e to tia ledg com e b in ea Fin cus Ban in mer 02 ers en th d w l Virg onsu e #6 id o eir div s at an n tia t to C cens Re se k y th an en Li n ble lo o b at sid itme rta st wh ed ts Re m be omfo s an rts m e c ult xpe rpas th ss ns e u nd ce Co ed ly s ts fi in pro on clien an tra lo are ing the lp he king a m


in Our pec hip y, we or at nO r ent s local st res wards throp co rP First an hO Our cli ss is ste e philan k to the the mO ard s are n Of Busine dership rat aw e bac ac tiO ated. lea corpo the se sat isf r in ways to giv nts are loc True your financial is the leade l pment erts. you need to reach as a impactfu ere our clie tic E aw ard ce Pr ac g & Develo ined exp ard wh give you the boost many nities E in inin aw -tra Residential Finan Refinancing can nG aW ar D llE nc iety of Tra highly in-house up to your budget. on commu Ex cE are strain Eti Soc m an less nted rs rk an is a great one. So , with ps the . in ma Americ n Office iversity and tale vide age experience goals faster ation edyour mo iden that kee ducts Loa mortg mE nt pro Associ eriencg Our -U” Un program rent pro tia hiE vE itted rtg y, we with rketing tost makin exp lF “Lend lF isaccomm a an Ma pu mo countr in touch Our g training ry and cur ina er. ina Americ e of the rch ge ust nin in theoption stay s togeth ind on your to n win b n ms re th as m ce an He tea ce Wi explo on the ar let’s e ting ke E YE our tea a date Co marke ways for r th Corp ubleof th Fin dqua and Residen a do We rp mE nt s ora re at . more a rte tial Financ Pa rt w? or ieving clients tio ha red fina reg nce atio Sa lES DE Business Awnoardrs for achn officer. Hor clients r 30 e is com their n s experie nc do Un DE ion ter in is be mitted to e lo in es n American k top hosales per loaservice to ou tEr S) marke tersnce a gre So al a en ... making at one ar kE Co bu rke a the #2thaMa saying uth re s are off cts. . We’re We too wth in customer 30 (m ting News your mo he sav sin lum ns fo icer is p 30 tegr Abo What ity of es other Je to P ice gro produ here to lpin side you the rtgage es Marke ting Off ious “To digit e the best at loan rse Caro ut Re ro nti s help you most mo the intncia s in bus Direct ief Marke prestig d to fina g vid h gre ve al y, lin na side , get the Finance wit pro vices. l nee Ch c the ate l r r ed a in and con ser li a, dic ov ti OH Ou ds. that Residentialney en loan nd ad ntia Journa nn Er and ntry is de forms to e “The benefit combin Ma onw h iness ts , 3x Wi In to our family l Fina No ec the cou 30.” She it’s ethics Resid your spe ide r 28 rk Re able to provide ryla Bay Bus shows wit was r a Wo rt and a pa Corp nal.” de nc d cific sta to nd hC entia , sid Un e. e Cothe ddit was exceptio t , Tam and it nd rk. We inc ar D Pla cE iness Firs l Fina we needed it A tes e RFC bra t of en mor aro ion when ,A aW to Wo ture to rpor the BE St sa the amoun lyturPaym cul lud ceents work BusMonth rE E tia tgag U.S nce reduce Pla at a cul ri net Gt li bus t you at t D Your nd na ee zo l e ba Din ing tha help Lower Bes take can Corp ev Colum got a gre lower om , CO loan. . ion to b lEn W low M.,hGreeley purc . dingTr dingTree na e your y nker Cassidy t oft of elo orat to aner of therate De ebu ’ve ein hase ,T Flo has We Ar re the Len rit of Len Wencing ra overall amoun ion Ve Refina e win m and th SP iri the p on Refi ee p . and at tim nt te O e m y g is te and rid art can the tne day nance set r tea has xa n Spi ly payme dingTr sm Head s to to sayer y a ra en three- in Er g par refin “F re a, ed every me your month r Mo s, e ou beenis wor You oorec a sWhnity Rates are- 2xYou Wi nn quar rtgaLen ull go , ou h ance s Aentiat (H a leadin at a tw nsid theiv ge to take the opportu believ ued clients r N ge n oth we k want As o te “I he Te low, t prompt ers co rs, on t e w the red with Fina ave loans ti lpiong dm l UD forlid Loan de Rates Ea so refin the will w am inG Rate e. go of say lenlo as anc our val ing table nce fou nithare in Co ingm... you ect very much of ing rate. gle an a low fixe Adjusgett thank Gr oW formov ), e w -timclien inis D dicdals a fixed . as one We’ aryo & Dir does Ho nda toda special attentio any Get Out of an0 fa StE Stgett lum loanriowith ope ” ll en ur Re ady thatAward can aW ting rate regio e ts tra rate erina lized and n thup Rpersona ableing us y busin you llE esshpe had ste bus, the ing.”tio nc atE’sman cas eal Ma won sin sid surke nedeca hon refinanc tio nal “The bene . 500 adjust ing cert out of you ase y opti ess n fo ’s gre adva A Replaceincyour re provide pay Etchding tabbe Ge ’t adju to me during my ine let Ex cE n topoffbu , we’ve st ar offic ifie en fit that whe eDa yours. thons in ov Re OH,BARe r of de. ore Sout st mar at h nta youres. Resi atws Ba SE ter for wn ttaPor don’t s ma:stlike es r ydent . Magaz Corp was an at tia e, red by Company d mortgag r hom iththe eA for ure e o Auto er sid B h Ca back up,Incso real redu yo Ssid ges ket natio ou ial Fina Cen cing once suallos, l F hono d g n AL to e. It’sDaa tion doe your b g tim a ens lle,able a entiaest u yo gent ma en f IN rolin Huntsvi the ct. nwide and 28 sta M.,whe Twice t Growin llengin kn r dat Urb y u.Thi rtu timehoitdu Jers n we need provide toaour shopNa grea-AAss ppociatiobette ina nities a l P nd familysing titeas anles a, M tic ow Martin tes Wse to Ja to C ey, an ed it was rotv nt.right pro lac in chaa nc mtake an pric vailab l F d haDe oppo nBuy you tlyidepayme a Fas Your tha aryla pingrketing month A th , inccon e. exception low wan wha mak eh the aware of e to Ma e h eve Debt Homeinto a single bu d No p liev ea wit dgetMa e B lidate nd, e W lud Se nConso e le to al.”r fa .beYo As a lyfirst ga utho growt month ntto ding manag um Flinan s artm bills ha t yo t your e th rth Ca We Arizo a sing make imard aw clie n them missed. , and mily s! Ou Er W s ri -tim u’ ht z e your a c debt s ke r ge or of io m you nn u e an e rig N ty iou in your ll tosama t ise en ined the d nall ,S an lo all buy rolin nd lo ork Wi Cassidy r idae onpre to rg stig er you r L all ML Roll e, rate 7x you , no t In ad prenies hav -to an M., Gree Te to iate r tea , in ,t inclu interes be an op an pr veotherw tr xa pub , is o wm ch fayour Fo ss Firs oa lower ley, CO dingg low he St 50 pric ina. e ou d S# You’ll compa ing the dition w a oal is clu man ofc as identio f th , and a th oces have tim appr of the of lic Busine “Res ft y rbe eet s, Ne clu r n y 22 n es! fe rate adv be ma e win ne . bus W ns Fina s happ tial ree d 12 financ yr. .22 nd to yoantaeges the Jo w ati ov n win If you to be e esumeasier 80 de 22 s.c by t groget about e Gs to go the fax ed 34 Offic Col ncea Corp is truly 2.2on with toda u fin22 your qu ava only U.S. in th help ing Ye has -time look yanw are an 34fole 0.1 fastes sionate pre-W ilab ive ing dive app om urna ons oration .12 5 ote e ofrove wo y’s grea ing ar 1 Seven g the ly d Ame ith 23 e r Depa ll d pas “Full rse som at yo d s 2 e fu Y 2 Deve About Residential Finance Corporation for l , who rica hou cea lo 3.1 rhonoable rin t urhoulosing ’re alsothatfer ou toward uc a loanh d Sm ses home12yo awJanen cares aboyour n comW e an okin rtmen haty ,syou Eain lopm .1111 pan h ture u 23 3.12 3.12 s. toWemake it Opra in a va of 11dr ’ll sav1.1 put gle ute Banthei d get are ker er art ve” inrie specand anhome g at an be emp as ent rd. Bran oth B tir nc you lumbue. industry. .CO Mes, 4.5 3.1 34Get Cash Out loye hom ; r prod imm ag ind Braan 11 e time Vete ea . it Co Rt eof Ho CE th stm bud ce tgag edia your th o x.htm ne fo an s by in and M ch uct, (H the Ne m rti ific te ments ers e lo r . tyh Mns get. Plus /inde Hawaii ch M cust rans 67 23 Dir s the bemoney reAN Ja us offe UD), sid ona Mor on st in inv using en fiede n usLF IN , you’ll be homhoTIA whe of you 99; ome finan al-estate you 1062; Arizs/re ws try annc are .89 4 Acces yland rs.” Adm anag ec  invest ey jan co Residen 5 es loan ra No. 193 Mar , travel or other ENe, es Residential Finance Corporationis a tw that12n34 B we and t ba byatio find E tuition ker #10 , ini, #1652; 34/2009n t st SID F ci sa 1 m th er ti to you M Ban x ement ra.s str #44 H e e Lice ar # nse n en al ne sa TApr Loa .RE is a o0 F improv r drea atia 80 “The residential Consolidat t yo ://wwatw.doartgage ding yin ek 0. nk Urba A r at  ww .bra ag ’s t Licee LenderMor l l tgage ificate time Mortgag C ion mit Matt NMLS AN CHm ves oduc DA http catial Mor eeLen ho , 123. sn. ax 100 g... nsas r at u eC az Fix ed Fina time larg rela e You Fin ary bene s CertH., Pays Mortgagm LE hono ons Autome iden tgag pi tgag mortgage banker that has been w.r nc NE BR on, r s. Wyour Roll all 12 25; Arka 12 Deb ts ed in SecondeBusines t Mor Noel or n nc MP yo AZ JA issip in home. originatorgia Res tial Mor winn clients ti m 210 n Term a Firs t 34 , helping and p fit 3. re e M e 55 u SA a yo e Miss o att ic u th so Broker MBtgage loan167; GeoE Residen 502; Ban mak in trae of lta es h@ ker 845; Ohio w your monAdjlessRtime st , 123. ns Mortgofage tel .CO er of at 134 consw ate paying off eFC nsylvani toAuthnce has hen as ab that ew 40 ide m mor lowe MLD a SAF M02049 tgage No. 139 12 Tower3652; Wis Reduce Your hip 222. e , Penur thlyusbills YR offer: e Mor an purchase and refinance loans the AB heLice your r faster Beast ined INCnts Mor der andtake mtgag king No. Res isian tabl into c or we le Galleria © Vet r inte osstofders 222. 34 dire n242nse nti yrfc for over ama statu d ; Lou inator,espondent nse Lenent of Ban Two an #60240 s A aSadecade. equityyou CH @M 9-11 Su 1 N F at az usto ity isand aAN rePlac ex Mag se e Len yo need to pr iden e R .BR ; Alab 05-2 sing eran euOrig Corr lina Lice artm 45235, s License mo 111. 22 m #16 alf .coYou’ll buildyour finance rest rate ing— le 595 Resid ey Caro les be Dep 540000ck the licen ov on low tial MortgagJers ate R ine, m Licenseon Mortgag ed ge on e topW h Headquartered in Columbus, rd Winn Busines ert vaniaBanker, No. 111. 22 cell ct s5 all s eas st Chepay ina m you ding idential e, ey JA NE Co ite 3 ron hDe st New ; Nort Awa Don ier. entia Floridamen Fi r or it w ide to e t ansyltgag Master debder ID#2029775 M RFC OH, or t. You 585 the Pen r eResidential s wk, esid a there 1111 ranc 652; t Lien Len 123 a Res n Len t100and rtm ly lum 00 t Str nc l Fina elppa by d s Morgr hington ou na as Firs esot and InsuLMBC’ll104 an se kn an mak No. #NMLS1DFI expl ’tY,knST 12 34 en Wasea Br E DATA hoand ha inistrationsetg eBanman exce r fa nce nse Indiana 0569; Minn e.c kingC ent, a: Licensed co mnc ing c entsuofrp 16; Texa rv “I ow Finance does business in overd cons 705), Lice Liceag ti ee 084St tSAMPL agin bu ain ow VeteranseAdm Suite anch Ad fax vani g Cass e is li ho 0 CIT on ra Departm 8-05s re 28 states nch #52 nfor ptio mily BrokerAuthority0005562;e SR 001 ent of om nsylAddres l Fn ice. kin n athse se k s awo umerand ahas sa t l der, artm123 ve e s, O 050840 29 (Bra Branch all#1652;wha Cor com Banking ms te yo 3; th idy na ITE 10meo tifier dres Mortgag e Dua , No. MB and LenN.J. Dep NYS -526 SPen in fo ch MB0-CLnt mp rado Morttgag m Ho publi g th oftenntsqu sedYear naw ow ML-506Bran yo l.” City 100 ta regional offices nationwide,e Wall iona M., wne to yo u ofce Broker by the e Banker-License th nsee s St Iden #52 ME SU H4 ur.2222 thei porati end 6; Colombia lina- 100 finoted b e Licees Nam Nat catio e including pany te B me r it ledd. ance Gre 222.222 Stre Florida, ar nsedMortgag ding th Suite Caron Com Unique 972 le tgag rstialhiMor l US op ET NA Mortgag r pr on ur d th in y istry No. 603rict of Colu and on12345 Res 3 e Len00; Sou er s RE eley ey:eLice nslosu et Jo Loa igan tio e, Reg lo nsed g io fax re h ST tgag nse, 2 D Jers Dist d p a d iden A ST Mich are e Lo ; .1234 iden : Licegonan JaneSys Mor 8-06230 Consum CityName, Forb Lice 00; om6:09 PMbe sp 29, 2011 South Carolina, Maryland, Arizona, 15 dmSTnwid ns n ch New York go , CO Jane 123.123 tem and urna at 12 3 Branc e indth Jane Law No. 129 Illinois Res Bra 203K A us ML2760 nce;1; New ca ise als-BR eirtry aBranch Mor inis 12 ; Orean nd esTexas, dersnch tial e34 050840pr t.” Revised: May ec nsing Lener der, 1652; Lender, er Fina 369.1111 a jane odtonuc cell inc hig an .com Newl Smar proas Manag Lice Nebest hBra dWashing an use er, MBnce tgage LenJa an ex Le tgag tratio Mor5 111.111 Branc y No. 802662.001 tgage Consum 3003; ho Fi Arizona Mortgage .b nse #HIBrok tgage ia Financh c n d , an n Senior tg pan h #101062; d Mor t Mon cess ws Man MC Jersey, and North Carolina.lude so Mor nd Lice and ra Mor Loan loaek om ts e king Loa ion, p Officer we MB. e 222. they nanc lyide Californ ndent pany Busetage save w th ts ar Mortgage Banker trea 222.2222 www Cnc er e B n Le age d its r tgagechCom 12345 Ban B he h@ at http://www.dResidential me NML ComMassach ra LicenseMortgagCommiss MB 21025; Arkansas ey Mco r S# Nationw n a, 5843; Correspo Mic Mortgage diver mit erien NMLS# e ted ofc ey e? ck s m ent ofned Morra Mortgage Broker of your mortgage loan originator lina oration 123. La anke nder Lice 1234 n Caro .jarene Bran of th inves NMLS# Residential icut n Originato11143; Dep BK-090 MLD167; Georgia artm hael No. 12345 agmaz 5ister ch status al se inv NID#2595540000; Alabama the wyr Ohio Southch t me NM 123.1234 you ce Louisiana SAFE me kept Reg Lenders License Corp ca n Lender Check the license foine Connect e Loa der, No. issippi of -ebr e na Li fcr #1 ID ns tor License #16242; 3;M State mon ; Florida Mortgage 121 123 n oNo.w100029775 Mortgage Originator, G., LS.00;409Virg fax Administratio Mexico803 Flyer estm rt , the Jersey nt wit Bran#NMLS1652 C statan lic cens.co01m #259 ing S an Mortgag e Lenthe Miss New #1652; Veterans Broker License orrieLicense DFI First Lien LendingMinnesota Residential relat Standard tion’s 111.1 Identifier MB. der No. # 12 inia ch AddrIndianaLender, Long Insurance, New Authority Refinance RFC be Dualpp ey. su agRegistry Unique 11.1111Coloradoof Mortgage SR 0010569; h RFC by Mortgag ent 8717;Gener se c.c e, 062; 55 yste NMLS LoLicens olumbie/indechen.rf No. MB 0005562; Mortgage of Banking and LMBC 104585; North Len by the ionsh able Broker and St to System Licensee, al eStand s,100 Brokeress Suite cell Columbia erLaw License, No.No.6039726; 345 and st nsed Licensing In addition to being “Full lar Mortgage or District No. A 40 m tgag ba Department, LicensedNo L05 by the N.J. Department tgage MorMortgage Mortgage st Licensed Be 12900; a: Lenders ard x. Banking Residential Lice om e Licensed Michigan a ge Mor w Finance Flyer an t ips at Illinois a nk Pennsylvani e Lender, Nationwide Jersey: ht riz 00 rate Direct ach, inia: ; California 800.123.1234 #HI-1652; Mortgage e New Resid Eagle” certified by Lender, ML2760; yoFinance; st an SAM nd Mortgage Banker-NYS MB# 12 RF s. esse BK-0905843 Licensee; Ohio Banker MB 0508408License Virg Nationw O 34MLD Mor m; us of 6039 ona 0; and Correspondent PLEML-5063; Company License Massachusetts MortgageBanking and Consumer areYork: LicensedOregon C ide ur3691; Carolina-Branch New CityN No. Mortgage Lending Connecticut DAT MortgageMortgage Loan OriginatorLender, CA 35; Tenn 75240; Banker .htm; 633.000 Pu Ala Reg No. 11143;22 d m ea -0623000; South M 00 rig , A Loan Company #520Company ame Department of 72 in 5 16 tgag C Licensing fin rchHawaii the U.S. Department of en ,MB.802662. BK-090 Consumer he001-BR; Mortgage ST Mississippi tial No. 221Dallas TXestate/index SM.500 Broker, MB-0508408 No. 19399; License 21906. estate/i 5843; Registered Mortgage Maryland System 1234 ost 123.123.1234 2.New sy. ase#1652; anci Licensed by the Housing Mortgage Californ , MC 3003; Washington re5Loan Commission Ext 100 SAM Morortgag 05562; ator C 7; Geo e Duaonnecticyour m 6; ColMortgagbama istry 00; Ohio BranchSouth Carolina and Registr com License 22Mexico Banker, 1000, ker, No. Licensee, #4434/2009 ia Finance Finaand Urban Lending m; Mortgage No L058717; Lender Stanticut License Connec Broker MB.803121. y Unique Mortgage Corporation No. 4093; 12 to 2.22 Lender PLtgEag e Le Indi om rg l ut ortg orad e Mor Uni e, No. Loan Licensee mitm Nation Rd, Ste. e Ban Ohio3.rMortgage Res Identifie Mortgage 000; Mortgage LenderLicensed by the Virginia Stateal an s Law License nce 19399; dardCorresp MortgaMississippi M02049502; Secondary Tennessee SM.500633. #1652; 234.567.8910 Fax ondent Mortga Hawaii Banke and ge Development (HUD), Residential 12 22135; Mortgag 22 Virginia: wid Lending ent No.603972 Banker Certificate e LeTAnd an pany ia R Autho Cor age o Ban tgag que , No. Veteran Mortga M02049502; TX s75240; Lice iden DA Mortgage Flyer License d e Mo Business 11 ishas ge Banker, ge aLoan Ohio 3. est139845; Cons Correspntondent Mortgage Adminis Lender, in r BK of FirstOrigina 6; Dallas 21906. a Corresponde M ColoradBanker, to Finance No. Mississ ate 12 1.Ste.1000, Noel Rd, No. Lender Pennsylvani tration rtg#1652; best MarylanTower 12900; Licge tor Compa ippi Mortga -09 Mortga at 13455 Lender ID#259 License Mortga Carolin /ind Lice nsed tial nder g Li DFI Lice esiden rity respon loan ortg ker e B Iden 11 of Banking, custo 34 o Columb ultan Carolina d Mortga District ensee aCoLicense 0584agTwo ny License Banker Broker a Department e ge ex.htm 1.Mortgage Mortg Nation LenderLicense ge Lender,; Wisconsin 554000 45235, LicGalleria and Lender No. Veterans Administration rreMortgage the Ca know #HI-1652;offa by thebyPennsylvani #4434/2#602403652 Second Banker, 3; Business Mor nsed by Mortg , ML2 cens Firs nse tial Lice de orig age BK-0 roke tifier Pennsy ts at Authority ia Mortga License No. 100029 0; Alabama mer en Mortga No. ,139845 No. 11143; 11 spo M020 x Reside ary ag 009 lvania traine Automatic 11 Illinois Texas 050841 ge Dual Authori Mortgage rol Co Ca ;; Ohio e LeNo. 19Master 775 ndenDepartm Washington 0508416; Admin wide Mo lifornisin g Sy ge Loan Licensed by the Massac by6;the and ina #52705), n fo Texas Busines Broker MB 49 serv husetts Mortga Revised: Reg tgag by the age 760; e #1 t Lien #HI-1 Mor nse nt M inator Bro 9058 r MB #165 ntial Mortga ent jane.branch@ Resid 399; nnect Licensee ty LicenseCheck the license Mortga CL-526 Mississippice Lic t Mo ste Certific d ex CL-52629 05(Branch May 29, 2011 ge 502; ndofingBanking 29 ll ge License icut asFin No (Branch en #NMLS1652; status of 21025; Arkansas Penn ice. Ha, Pennsy r its 0841 Mortg ation rtgage 21 2; Mis, No.Lic B iste e B the Missi Orig Mic 652; Lend 65 tgag #NM ortgag at ker Li 43; se rtgBanker and SM.500633.000L058717; New Department ofge Lender, ML2760 an mate #52705 e, is a two-time honoree your mortga perts entia Colvania CL-52 45235,waTwo Mortga 6:06 PM Florida Mortga 6; syl Le ), ag Washin are of INC rre ceFirst ; Michiga e sis Len ankiLicens Hom Mortga Regis ge ; Ohio Mortga Mexico Registe Banking and ge loan originatge Banker #10106 red anke N.J ss inat higa Mar in 2; Ill e Li LS se #1ii MoGalleria 12 No. MB 0005562; Indiana Magazine, Lend sippien gton www.residen 629 Texas vania nder Banke ge e http:// cens Califo 025; Vete a threel Fina Master Banker, No. whos Tower Banke Bder rtgagspond red Mortga Consumer 3 n Mortgage Broker ng ing ge Broker ippi or us 16 or at http://w try Un only 2; Arizona Busines DFI First Lenders License No. ce g ers at 65 e . Mo yl in De Le (Br 13455 ID# Sy m n 22135; M Finance A Mo r r B en ra ge MB.803 s e 2; Lien Lending Loan ww.dora.state. Mortgage Law Noel anch rtg partm 1398 and rtgag Ma e License rLi #10ines 259 MLD167; ; New Jersey:and Lender, D ortgsteman Dep D , No. Mor and Lice ois nsee 52; nd ww ranc e kn Lo t Mo nce Check s Law ique Rd, Ste.100 Tennessee Mortga 121.00; OhioCompa Sny No. 3691; #60240 No. rnia rkan ns time winner of Best surp Georgia Reside Lic 3652; d S artm epar M tg 0, Dallas helpi Place to #527age Ba ent 45; Secon e Le rylandan Or rtgag Licensed SR 0010569; License #16242 Branchuite Lic cens106 s ep554 owled Ide ge Lender New Fl er w Wiscon M ns R ag0; and artm000 Fi sa are hA Work, York: License Minnesota by ntial Mortga al; asse and has real-es the lice Liens No. 4093; License 05), nke of Ba Ohio dary nder Mo iginato e Leense, ntifiersin Mortgage TX 75240; Virginia won ce e, No e 2;CerAri MB.802662.001 N.J. Departm ecRegistry tm 0204 age ortg e #1 esiden, No. orid , No. .dora. 1000 nanc s ng cli Reside Louisiana ge ddre-BR; d Mortgathe South10 highly Banker, No. ge an Wa r, No nking Busin Mo #443 rtgag r Co nder, No. 60 #1 : LicenseC tifzon ent, e Ala Com No. stans 0 a Mortga Carolin ent of Bankingntial Mortga SAFE Residential ge Banker d by tate/ind nse bamon en t Un ent d ity shing . 45 , Pe ess rtgag 4/2 e 21906. by the ed M. B603 95 Broke age 6242 tia 1939 a M 1290 state. 2977 e ents ge Origina Nam -NYS 401 NofFront the ABA Salesmak .8 icatea Mo mpan No. 3972652; Virginia State ssOregon Mortga and Insuran ge Loan Co d ex Street tus LM rtgagepa adaMo Department or 02 M 22 e of ex. ton 235, nnsyl Ce e Lo 009 Lender, l ry rtgof Biqu by Le Broker, LendingBanking of thei ce, New tor, No. St MB-050ge8408-0 findthe Year award. of 02972 Maste Two van rtifica an Licen Noy Lic 12900;6; CoVeteran perie 66 6; Co ing Licens lumbia B Bhtm e, S Corporation Commi BC ny License Departm ntif ; M r an nder ; Loui Mortg 9; H tgag 0; D co.u 5 M ageanki IdeBan -050; 13 Banke r co ML-5063;ent, LMBC 104585 Jersey Licen sed . 111ense Dis lorad s Ad Co5; Te thyou 2. SMlora the e Pr mo 623000 issi d Le , ssion, MC th s/ aw e r Bu Galler ia Fir te SM N ortg Bro an age e ML Mo SuiteLoa ng kiier Pennsylvania: ; North nce T 12 300 3003; Washin; South Carolin ng #16 rtg .500do 10 best mm siness ia Towst Mo .50 see by the 43; #HI-1 trict ofo Mo ministr en 00 Residential Finance is eoften ker, 8408nne cticut loan ssip nd No. siana age aii Le istrict Mo o. r36BK ag ker Virg67;rtg nn D1 an MB n rtg No gton Consum a-Branch MB Licensed Ma nsyl 1-age 345 63 45rtg B an 52; itmen quoted 85age 91-09e058 loan er, 11 SA Lice Mor nder in industry Licen er at rtgag 0633.00 L058 Mis ssa 652; IllinColum age ation proc MB 000Originato N Du-0al62Auesse Co er Loan Compa0508408Lo 43;d In 210 Con iniaGeorg d C pi MVeter rre R; loa Columbus, ans SA 00 ina; NorBro;ker se #6 1345e Banke 0; 717;sissip chuset ois bia Broker Lend OH Oren 3.orig t to 43215 at th sura 25; : Li o. ia45Re ny #520e M vaspo 30thority nia nde on Arkortg SR 00143; FE R nsee tgag s Ohio Ne pi De ts Re Mo er ID# 0; tor th NewLican Li Ca MP Mortg 5562; Lice r suCo and consumer publications such ess com 0240 5 No r, No cens 23 sid00 e be e Mo sid rtg Lic ensece lifo ncrnia sumans agas 10 Mas es , Ind mmpany LE ensDeep ntgoMo ent; ialS orLic 3652 el Rd . 22 Mortg w Mexicpartm rtgag ential age ense No2595 n Oage as Newsweek, hi at Chttp tgag Lic 5, Tw forta Mortg age Len nseianaerDF st ra Noee. e, NFin Dual arol://wYoww ancFiee Le 569; sach iden No. artmMLMrtg ; Wi , Ste 135; age DA o Reent of e Le Mortg . 10 5400 rk: ns ortg o MLen ding #6 LoIanFired ens 100 ew er e Le #N e o ouMo ble te, sco .1000 Ten Broker nd th rtgage TA gister Bankinder, ag Autho 0029 00; Ala Resid age Len Licens 02 the Wall Street enS1652 Li ra. N 029 nsi I-1 er M us tial an ag ortgderina .do e Cst by #H G 775 na rity , ne

age Ex



ide nt ia

ak r Fir We ’ll B e it ha st Hom pp eW en e? ith ! You All The Wa y!


Ca ll T od

en ti

Today! s i d Contact Me en ext.123 t i a xxx.xxxx xxx. l om i n rfc.c janeF@my a n ce www.jane Re c o R p Cof intacto R na Me a To xxYx.xxxn t i o n day! Tu We ou .xx cixx r are ngext.123 jane@ to n t rmy here your L for y mor oday buy www.jan oan m ou a row ’s ers. e.b ranch.m A mortgage with you in mind. nd ’s m op ort po g Co rtu age n nit xxx tact M in y. to .x eT jan xx.x od a x e ww @my xx ex y! rfc t. w.j ane .com 123 .br anc h.m yrfc .co m a l Fi nan ce





o Y m w Rp g ose co n Ho ve th c e yi m ser s all. a an u to e B in ud ved u Dr r Pro lF ia e se nt hav ce de si ien Re er xp e e u. ag o tg n y or d o r m se tte cu be is fo at th

ReaR p o R at io l Est n Pa r a t e tner


R e s i d e n t i a l F i n a n c e co R p o R at ion

Your Mortga ge Y: toDa Solutio calnl

Call Today:

To Call

R es id

: ay

ay :

d To

Call Toda y:


r ou e




io R a t ion R p o trat is e co ms a n c min g ra l F in s Ad Pro n t ia teran o a n L Ve


id e

Ohio Mortgage Broker MB.803121.00; MB.802662.001-BR; Oregon Mortgage Ohio Lending License ML-5063; Pennsylvania: Branch License Pennsylvania Department of Banking, Licensed by the Pennsylvania First Mortgage Banker, Mortgage Lender No. 4093; South No. 22135; Tennessee Carolina Mortgage Loan Broker, MB-0508408-0623000 Carolina-Branch MB 0508408-0508416; ; South Texas Mortgage Banker, No. 45235, at 13455 Noel Rd, Ste.1000, Dallas Two Galleria Tower TX 75240; Virginia: Licensed by the Virginia Commission, MC 3003; Washington Consumer Loan Company #520-CL-52629 State Corporation Washington Master Business License (Branch #52705), #602403652; Wisconsin Mortgage Banker, No. 21906.

77 n Mo Da sse MB ed ng ML27 Lic ba rtgagllas TX e Mo .8031 Mortg and 60; enseeLicen 5 Checkma Mo e Ba 7524rtgag 21.00 age Consu Michig , No se #N the rtgag nke 0; e Le ; Oh Comp me an . MB MLS1 lice e Bro r, No Virgin nder io any r Fin Mortg 0005 652;nse sta ker . 21 ia: No. Branch an 562; Flo tus MB 906. Licen 4093 LicNo. 36 ce; Neage Bro rid 21 sed ; So ense 91; Ne w Jer ker Indian a Moof you 025; rtg r mo Ark by the uth an a CarolMB.80 w York:sey: d Le DFI Fir age rtgag ansas Revis Virgin Licen nder, st Lend e ina 26 Mortg ed: sed SR Lien ers loan ori ia Sta Mo 62.00 Licensed Licen gin age May te Cortgage 1-BR; Mo by the 0010Lending Ba 29, rpo Loan Oreg rtgag N.J 569; Licse MLator at nker ration Bro on e Ba . De Min en D1 htt #101 2011 Commker, Mortg nke partm nesotse #16267; Gep://ww 062; 6:08 MB ag r-N ission -05 e Le YS ent of a Resid 42; Loorgia w.dora Arizon PM nding Banki Ba en uis Re .sta a Mo , MC08408-0 sid te. nki tial 3003 6230Licen ng De ng an Mo iana SA ential ; Wa 00; se ML partm d Insrtgag FE Mo rea shing South -50 ent, ura e Or Resid rtgag lton Ca 63; Pe LMBCnce, iginato entiale Consurolina nn 10 New r, No mer -Bransylvan 4585 Jersey . Loan ch MBia: Lic ; No Comp 05 ensedrth any 08408#520 -


sample Je nc Licenst of ;e Flo ag , No der o et 40e omLientheLen al652;Car nd Li . censstate.c #4 in Licens entialdata Le ridae B ce 129 olin L0 o.u58s/rsey e; N 434/ neso ts Mo , ML276 36#16 Virg dinlegria Illin,Ban 52 52;paMa Noki. nd ro nse 00;ed Dis ta Mo ew ; W ny #5 Licens ed by thertgage Ori 0; Michig ryla inia LicToens Bra sid40 Le Mortrict 717; Corre Je 2009 ng193in99; g Li kertgr age isco nd tgag N sp rs #16 nch ent93ial; Mo, Pen Startgwere at Ha Mo 20nd Mortg ed by the Missis ginator, an cewaMB.8 Len -CL-Mo erders e ew on ey sip No nsrtg teage 13242 age ;MLouSou rtgage : in M ns nseii Mo 03 No. Regis age Banke N.J. De pi Depar . M0204 Bro 52 kerCor Len isiath 12age 13 Ban Mex dent 45 der, B 05 M rtg na ylvaLicens ortg 62 1.00 98 ke andpoLen ee,50 No Banki tered Mo r and partment tment of 950 ic arolFE nia L2;agMis9 (B 08 CSA ra 5 NNo. 111 63 . ; O 45 r-NY o 43;8- Ma ina ReFisid ra tioder oeSR Busin ng Depar rtgage CoSecondar of Banki Bankinge Bsis l R 40 rsent t M ial; Pen hio ; Ohi S an sipncpihMon C, om Mchu 05 ssa 001 d, 056 ortgset Bra o rtg or 08 #5 Licens ess Certifi tment, LM mpany y Mortgageng and and keCo S ns age r, nsu 27 mLen te.19; Min 41 ag ts tgag yl nc issi der Loan Insurance No. mer05Fin Licens e MB.80 cate SM BC 104 No. 369 e Lo e vani h 00 6;nes ), W B Teota 1; Licens , Ne21 Nationwide Mortgage ancon, M#440,34/ .50063 585; xa an anke a: No. 221edLicensing by the 266System 2.0 w North NeIdentifier and 3.0 ee No w 90 Jer Cw Dal200 6.seyashie; Ne AdministrationMB #1652; BR; Registry Pe 01Lender 35; Veterans la 9 s M Bro r, 00; Unique ID#2595540000; Caroli York: Lic Alabama Ore Mortgage L05871 Congrre -05084 Tennes nnsylv ton 30Jer 03seys: TX ortg ker, ensed Mortgage 21025; Banker #101062; io Mo MB na Lic Arkansas gon OhBroker ania BK-0905843; Mortgage ag Banke Arizona see Banker 7; Ne spo 08-062 rtgage Finance Mnde; W Depar Mortg California ense Lenders Mo License, No. 6039726; Mo w Measte nt ashi 7524 e 300Mortgage age Lender rtgLaw Bro Virgin r, No.Colorado Broker tme License age No. Len 0; So rtgage 100029775 xicor B ng 0; status of your 452 Check R license Banke mortgage ia: Lender nt of Ba ding ker MB the loan 35, originator usin ton CoCorrespondent . 139 evr-N Licens .80312 Notm; Two uth atCahttp://www.dora.state.c Connecticut nsume LicensedMortgage No. 409nking, 845 . 05YS ess rolinaLender, eMortgage 12900; r Loa by the Ga District nns lleria No. ML 1.00; Oh ; Ohio/29/ of Pe Columbia Authority Lic 3; So ense #NMLS1652; License Branch FloridaVir Mortgage io Bra ania -5063;Dual Lenders 11 uth Ca ylv #60240n Comp Mortgage Licensee, ginia Tow er License Georgia MB MLD167; Residential Fir No. 19399; any Mortgage © st Mo Pennsylv nch 3652; Hawaii StateLoanat Originator 050840 roli 13455 Company #52 na Illinois Residential Mortgage License #HI-1652; rtg ani Wisco No.0-C Licensee, Co Indiana No 8-0 Mortg age age Banke a: #16242; Louisiana SAFE Residential nsin MBL-50005562; 2629 rpo Lending ration DFIel First Rd, Lien508 416; License Loa Mortgage Mortg Lending (Branc License Co#1652; Lender, No. 11143; Massachusetts Maryland Texas n Bro r, .10 Mortgage mm Ste age Mortgage Lender, h #52 BaML2760; MichiganissMortgage ion, 00,Broker Dallas andMortg ker, Lender, SR 0010569; Minnesota Residential Mortgagenke r, No 705 age Originator, TX Washi MC 300 No.), M02049502; Mortgage Lender #4434/2009 Licensed . 219 3; Wa 75240; by the Mississippi Department ngton Mississippi 06. of Banking Finance; New Jersey: Licensed by and Ma Consumer shingt the N.J. Department of Banking and Correspondent Mortgage Banker Insurance, Newste r Busin on Jersey and Secondary Mortgage Loan Licensee Mexico Registered Mortgage Company No Rev. New ess 05/29 No. 3691; New York: Licensed MortgageL058717; Banking Department, LMBC 104585; Banker-NYS /11 North Carolina License Lender No. Certificate 139845; Ohio Business © SM.500633.000;


Bu y Let ing Y ’s m ou

refinancing: the Benefits of We Can Make It Ea

ll Ca

Residential Finance is best known for its commitment to customer service. Home Loan Consultants at Residential Finance are highlytrained experts whose knowledge and experience are only surpassed by their commitment to helping clients find the best loan at the best rate, making the loan process comfortable and easy.

d ea

ut R


Journal Smart Money Magazine, and, and its investor relationships

include some of the nation’s largest and most diverse investment banks.

Ab o

Re s

tion ora Corp



I h av New H e a ome

Rev. 05/29/11 ©

At Res identia I couldn l Financ ’t wait e Corpo to shar ration e the and news with yo u!

ONLINE COMPANY STORE • Online store for promotional and print items. • Business Cards • Stationary • Note Cards • Promotional Products • Brochures • Postcards • Magnets • Pens • Gifts • And More...

Page 9

Residential Finance Corporation - NMLS 1652




NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES IMPORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed! Special care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece to meet both USPS regulations and automation compatibility standards.


We believe that the best customer is a repeat customer and we actually help you gather referrals from borrowers BORROWER(S) FULL NAME] [[BORROWER ADDRESS] [BORROWER ADDRESS 2]]

you have already helped. These deals are easier to close and help you build a loyal network of people who sing your praises to friends and family. Enjoy free automated loyalty marketing on every loan you close with RFC. always here for yoU

MARKETING LIBR ARY Loyalty Marketing For Two Years Sent On Every Loan You Close With Rfc No Charge To You Personalized With Your Photo And Signature Free Unlimited Email Campaigns Closing Gift Upgrades Available

i am always here for yoU Remember, just because your loan has closed and funded, that doesn’t mean I am no longer at your service. If you have questions or concerns, feel free to call me anytime.

Thank You! [LO NAME} [LO NMLS] [LO TITLE] [LO PHONE] [BORROWER NAME], As you may know, my business depends on referrals from great customers like you!

regarding tHe Loan ProCess:

Do you have a friend or family member that would like more information on home financing? I would greatly appreciate the referral, and will be sure contact them right away and provide them with extra special care and attention. Simply fill out the form below and drop it in the mail (free of charge!) and Loan I will contact them right away. regarding your offiCer:

Please select whether you agree or disagree with the following statements.

Please select whether you agree, or disagree with the following statements.

was professional and courteous.

was smooth and efficient.

took the time to understand my situation and match me with a loan program that met my needs.

regarding our team:

made the process simple and efficient.


Not Sure





Please rate your experience with each of our team members. Please Note: You may not have worked with all of the the following people.

Loan Officer

Property address: [property address] [property city, st, zip] [loan number]

Branch Manager

mailing address: [mailing address] [mailing address city,st zip]

Post Closing Agent

Loan Processor



Strongly Disagree


Corp NMLS, #1652


[Loan Officer Name], I would like to refer someone for more information on Please provide my friend with the same great service you provided me! They can be reached at:

explained the terms of the loan and the fees inmortgage a way that I could financing. easily understand.

did We eXCeed _____________________________________________ your eXPeCtations? Name:


Share your story with us via email: Address: ___________________________________________


___________________________________________ sHare us WitH your friends & famiLy:

reCommending rfC to otHers: How likely are you to recommend Residential Finance to a family member or friend in need of a mortgage?

Who do you know that is in need of a mortgage, home purchase or refinance? We will take excellent care of them. Thank You!

Phone: _____________________________________________

Very Unlikely

Name: ________________________________ Email: _____________________________________________ Unlikely

your Loan officer: [LO Name] [LO NMLS] [LO Phone] [LO Email]


explained the mortgage process and my options in a way I could easily [REALTOR PHONE] understand.

went as expected and there were no surprises.

team member:





Strongly Disagree


was quick to complete from first call to closing.

Phone: ________________________________

Regarding:  Refinance  Purchase  Not Sure

Email: _________________________________


Relation: ______________________________

“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].

nt ce VE me ren SAdocu refe is re Th utu rf fo



Be a customer service leader. We make it easy.

[LO SIGNATURE] my Loan officer:

responded to my inquiries, emails, YOUR REALTOR and calls in a timely fashion.

Somewhat Likely

Customer Marketing Prospect Marketing Realtor & Partner Marketing Referral Marketing Over 300 Marketing Pieces

[Co-Borrower Name] Co-Borrower: ___________________________ Home Phone (if different): ____________________ Work Phone: (if different): _____________________ Cell Phone: (if different): ______________________ Email: (if different): __________________________

Thank you for your business – and your referral!

was simple and easy.

Very Likely

• • • • •

the Loan Process:

Borrower: [Borrower ______________________________ Name] Home Phone: ___________________________ Work Phone: ____________________________ Cell Phone: _____________________________ Email: _________________________________



Thank you for choosing Residential Finance Corporation for your recent home mortgage. We are committed to monitoring the quality of our customer service and we would appreciate your feedback about your experience. The survey consists of five questions and should take less than five minutes to complete. Your responses will be used to continue to improve our customer service. If you have any questions, please contact Thank You!

Strongly Agree

Customer satisfaCtion survey

Strongly Agree

• • • • • •


“Where do I send my first mortgage payment?”


You received a temporary Mortgage Coupon in your loan closing package. Residential Finance Corporation, ATTN: Payment Processing 401 N Front Street, Suite 300 Columbus, Oh 43215


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


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?”


no a transfer of loan servicing will not affect the terms of the note you signed at closing.

PS: Soon, you will receive a Customer Satisfaction Survey in the mail and, possibly, via email. When you receive it, please take a moment to respond – we truly value your feedback!


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



If 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?”


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


“how can I obtain a copy of my appraisal?”


Mail a request including your name, property address, and loan number, to: Residential Finance Corporation, ATTN: Customer Service 401 N Front Street, Suite 300 Columbus, Ohio 43215

Date 10, 2012 [First Name] [Last Name] & [Co-Borrower First Name] [Co-Borrower Last Name],

Welcome to the Residential Finance Corporation family! Congratulations on your new home loan!

• Customer Survey sent to every borrower. • Thank you card with pre-paid referral tear-off. • Testimonials are requested and verified for your future use.


Call and your more. insurance agent You may have some questions about what happens next, whom to contact, You’re not and provide them your updated alone! mortgage information.

IMPORTANT: Please see the attached Frequently Asked Questions letter, answering many important questions about YOUR loan such as: • • •

Where do I make my first payment? How can I obtain a copy of my appraisal? And, more.


Provide a copy of your the HUD-1 or Settlement Statement from your loan closing package to your accountant when you file personal taxhave returns. We’re honored you chose to work with us on your new home loan. If you any questions feel

free to contact me directly by phone or email.

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

Joanna MacKenzie Customer Service Manager ReSIDentIAl FInAnCe CoRPoRAtIon 401 n Front Street, Suite 300 Columbus, ohio 43215 614-827-1347 Direct 877-251-2874 Direct toll Free

RFC: 401 N Front St Columbus, OH 43215. Borrower is subject to underwriting guidelines. Corp NMLS, #1652;; VA, Lender ID#2595540000; AL, Mortgage Broker MB 21025; AR, Mortgage Banker #101062; AZ, Mortgage Banker BK-0905843; CA, Finance Lenders Law License No. 6039726; CO, Mortgage Broker License No. 100029775 Check license status of your loan originator at; CT, Correspondent Mortgage Lender No. 12900; DE, Chp 22 Licensed Lender No. 011831; DC, District of Columbia Mortgage Dual Authority License #NMLS1652; FL, Mortgage Lender MLD167; GA, Mortgage Lender Licensee No. 19399; HI, Mortgage Loan Originator CO. License HI-1652; IL, Residential Mortgage Licensee No. MB 0005562; IN, DFI First Lien Lending License #16242; LA, Residential Mortgage Lending License #1652; MD, Mortgage Lender No. 11143; MA, Mortgage Lender ML1652; MI, 1st & 2nd Mortgage Broker & Lender FL4201 & SR 0010569; MN, Residential Mortgage Originator No. MN-MO-02049502; MS, Mortgage Lender #4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ, Licensed by the N.J. Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan Licensee No 9945825; NM, Mortgage Loan Company No. 03691; NY, Licensed Mortgage Banker-NYS Banking Dept. B500784; NC, Mortgage Lender License No. L-139845; OH, Mortgage Broker Act Cert of Reg MB.802662.000; OR, Mortgage Lending License ML-5063; PA, Licensed by the PA Dept. of Banking PA Mortgage Lender License No. 22135; SC, Mortgage Loan Broker MB-0508408; TN, Mortgage License No. 4093; TX, SML Mortgage Banker Registration No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste. 1000, Dallas TX 75240; VA, Licensed by the VA State Corporation Commission MC 3003; WA, Consumer Loan Company CL-1652 WA Master Business License #602403652; WI, Mortgage Banker No. 21906BA

Page 10

Residential Finance Corporation - NMLS 1652


Experience Training at lend-u. RFC’s award-winning training program accommodates all levels of experience; whether you’re just starting out or are a seasoned pro. We have a progressive training series facilitated through live classroom education driven by the best technology and online learning platforms available.



corporate offices in Columbus, this intensive two-day training will allow you to meet your support staff and expedite your acclimation to your new home.


ONLINE UNIVE RSIT Y TRAINING ON YOUR TIME: Originator and staff training at LendU is available through our online learning management portal. Now your entire staff can stay upto-date on systems, regulations, company policy, latest sales techniques, and more with less management time on your end.

SALES COACHING EXCLUSIVE COACHING & TRAINING: Monthly sales calls with industry leader, Barry Habib to help you increase your market knowledge.

“I was WOW’d when I went through training. It was very relevant and made my transition a smooth one." John , Senior Loan Officer

“Every tool I need to be successful in my career is provided. The innovative training techniques support my career goals and help me be a success." Craig , Senior Loan Officer “The training is well ahead of the rest. I have worked at other mortgage lenders and the training is next to nothing.” Steve , Senior Loan Officer

“Even with several years of mortgage industry experience, I was attracted to RFC because of its excellent training program. Because of its training program, Loan Officers are able to offer the very best of service and integrity to their customers.” Kaye, Senior Loan Officer

Excellence in Practice, American Society for Training & Development, 2009

Page 11

Residential Finance Corporation - NMLS 1652


fast. accurate. consistent. We help you close loans with speed, accuracy and consistency. We focus on the efficiency of our lending operations team to ensure you can satisfy your customers. We understand that if you can’t close loans, nothing else matters. Our operations team runs like a well-oiled machine.



Fast Loan Closings SPE E D, ACCUR AC Y & CONSISTE NC Y! It is not just a motto, it’s our way of life. The efficiency and speed of our underwriting department is our main focus. We do more than close loans. We create “WOW” experiences that allow you to impress your


borrowers & referral partners with 24 hour underwriting, same-day closings, EZ-LockTM Loan Lock and more.

Scenario Desk NO NE E D TO USE BROKE R GR APEVINE FOR YOUR LOAN SCE NARIOS. Our Scenario Desk is operated by qualified underwriters to help provide the guidance you need to place your loan correctly and ensure the quality and speed your customers expect.

Help Desk OUR OPE R ATIONS CUSTOME R SE RVICE HE LP DESK IS OPE N TO YOUR QUESTIONS. Ask away! The help desk responds with the speed, accuracy, and consistency you’d expect from the nation’s most pro-sales lending operations staff.

DOUGLAS R. HARRIS, CHIEF OPERATING OFFICER As COO, Doug Harris directs all lending operations functions, including: Processing, Underwriting, Closing, Funding, Warehousing, Shipping, Insuring and Secondary Marketing. Previously, Doug spent nearly a decade at the nation’s sixth largest bank, US Bank, where he was responsible for leadership and P&L for two of the bank’s divisions – Secondary Marketing and Correspondent Lending – and was key in helping the bank grow its assets from $14B to $170B.

Page 12

Residential Finance Corporation - NMLS 1652


WE DON’T SETTLE FOR SECOND BEST. We partner with the absolute best in the business to provide you technology that supports your success. We provide our employees accessible, web-based technologies and a live support help desk with experts who have extended support hours.



E N CO M PA SS BAN K E R S E D ITI O N: We’ve taken Encompass, the award-winning loan origination software, to the next level with customized tools to help loan originators close with more transparency, efficiency, and ease. PR I C I N G E N G I N E : We use an industry-leading product pricing and eligibility engine for lightning-fast product placement and pricing quotes. With our proprietary EZ Lock™ service, we’ve integrated our Pricing Engine with Encompass allowing you to get multiple investor quotes with the click of a button! LE ADS360*: Our proprietary customizations of the Leads360 lead management system are so sophisticated, the company asks us to speak with their new clients! M I CROSO F T E XCHAN G E: With Microsoft Exchange remote web access capability you can access your email anywhere, anytime. Smart phone user? No problem! We keep you fully connected and equipped for business on the go!


ALAN RABIDEAU, CHIEF INFORMATION OFFICER Alan directs all technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Alan’s 10year career at RFC has led to continuous innovation and improvement, leveraging technology to improve productivity, efficiency and user experience.

* This service is optional for retail branches.

Page 13

Residential Finance Corporation - NMLS 1652


WE MANAGE THE MINUTIA. Where some see a challenge, we see an opportunity. Our licensing strategy is so sophisticated, we’ve been asked to speak at leading mortgage industry events. Let us show you why it pays to leave the details to our licensing team. WA









































LA FL currently licensed


• Licensed, trained paralegals • 50 years combined legal experience • Testing material access

• Fast licensing turnarounds • Friendly, knowledgeable service • Aggressive expansion plan

JUDE TRIBBLE, VICE PRESIDENT, CORPORATE COUNSEL Jude has serves as our Corporate Counsel and is in charge of directing the legal, licensing, qualitycontrol and compliance departments. In her tenure with RFC, she has helped create a premier licensing and compliance operation, which has grown in significance and scope in recent years. She is an industry veteran and a frequent lecturer on topics relating to regulatory and compliance initiatives.

Page 14

Residential Finance Corporation - NMLS 1652


Benefits to meet your needs. RFC provides a wide variety of benefits for our full-time employees and their families. Our benefits are a-lacarte so our employees can select coverage based on their needs and customize benefits that work for them.





Participation in optional benefits is offered to all full-time employees effective the first day of the month, following 30 days of continuous employment. Our 401K (k) program is also available to our employees effective the first quarter following 90-days of employment.

Page 15

Residential Finance Corporation - NMLS 1652


Additional benefits. FLEXIBLE SPENDING ACCOUNTS A Flexible Spending Account (FSA) allows you to pay for essential heath care expenses that are not covered, or are partially covered, by your medical, dental or vision plans. By contributing a portion of your payroll dollars into an FSA on a pre-tax basis, you can save on the cost of eligible healthcare items and services, or use your contributions to pay for deductibles or co-insurance throughout the year using your quick, convenient FSA debit card.

DISABILITY INSURANCE THROUGH UNUM Unum provides employee disability benefits that offer choice, flexibility and responsive service without breaking the bank. A Unum disability plan provides financial protection for you by paying a portion of your income while disabled, with benefits beginning at 14, 30 or 90 day periods, depending on the need of the employee.

SUPPLEMENTAL LIFE INSURANCE Create a personal safety net by electing a supplemental life insurance policy through our trusted insurer, Metife. Choose a coverage amount for you, or you and your dependents through convenient payroll deductions offered at affordable group rates.

Page 16

401 (K) PROGRAM To help you achieve your personal retirement goals, RFC offers a 401(k) program to full-time employees. You are eligible after 90 days of continuous service. Employees who choose to participate in the program will benefit from an employer contribution match after one year of service. For More Information: Andrea Rower Human Resources Manager 614-827-1375 Direct 800-930-7334 Ext 1411 888-687-7793 Fax

Residential Finance Corporation - NMLS 1652

RESIDENTIAL FINANCE CORPORATION CORPORATE HQ: 401 N. FRONT STREET SUITE 300 COLUMBUS, OH 43215  (888) 527-1483 Residential Finance Corp. (RFC) is not affiliated with Residential Funding Corporation. Conducts business as RFC Mortgage i/l/t/n Residential Finance Corporation in NY. RFC 401 N Front St Columbus OH 43215. 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; AL Consumer Credit License #21483; AR Mortgage Banker #101062; AZ Mortgage Banker BK-0905843; CA Finance Lenders Law License #6039726; CO Mortgage Broker License #100029775 Check license status at; CT Correspondent Mortgage Lender #12900; DE Chp 22 Licensed Lender #011831; DC District of Columbia Mortgage Dual Authority License #NMLS1652; FL Mortgage Lender MLD167; GA Mortgage Lender Licensee #19399; HI Mortgage Loan Originator CO. License HI-1652; IL Residential Mortgage Licensee #MB 0005562; IN DFI First Lien Lending License #16242; LA Residential Mortgage Lending License #1652; MD Mortgage Lender #11143; MA Mortgage Lender ML1652; MI 1st & 2nd Mortgage Broker & Lender FL4201 & SR 0010569; MN Residential Mortgage Originator #MN-MO-02049502; MS Mortgage Lender #4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ Licensed by N.J. Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan Licensee #9945825; NM Mortgage Loan Company #03691; NY Licensed Mortgage Banker-NYS Banking Dept. B500784; NC Mortgage Lender License #L-139845; OH Mortgage Broker Act Cert of Reg MB.802662.000; OR Mortgage Lending License ML-5063; PA Licensed by the PA Dept. of Banking PA Mortgage Lender License #22135; SC Mortgage Loan Broker MB-0508408; TN Mortgage License #4093; TX SML Mortgage Banker Registration #45235, Two Galleria Tower at 13455 Noel Rd, Ste. 1000,Dallas TX 75240; VA Licensed by the VA State Corporation Commission MC 3003; WA Consumer Loan Company CL-1652 WA Master Business License #602403652; WI Mortgage Banker #21906BA.

Copyright 2012 © Revised July 5, 2012 5:04 PM

Joe Donnelly Loan Officer Recruiting