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EMPLOYEE NEWSLETTER | June 2013 ALSO IN THIS ISSUE: • Products Magnified • MAG igniter • Who’s Who at MAG • Going Green • To Your Health • Top Producers • Important Dates • Security Tip • Employee Submissions • Kudos

Hunger Doesn’t Take a Summer Break Being a respected member of our community is a role Mortgage Advisory Group takes very seriously. Being a strong member of our local community is a pillar of our company’s Core Values. Our MAG team has taken a strategic approach to our philanthropic efforts and our corporate social responsibility. We feel that a committed outreach focus is key to making a difference. In 2005, we established our fall food drive program which is aimed at feeding families through the holiday season. Since then, we have collected a total of 47,681 pounds of food! In 2009, we added our summer food program to address the need of kids and teens who receive free and reduced cost meals during the school year. Many go hungry during the summer months, as the school meal is often their only one.

Mortgage Advisory Group is sponsoring a Food Drive at our offices to collect food that will be distributed through the local food banks which serve needy and low income individuals. Every food donation helps in the fight against hunger, no matter how small or large. Our effort to support our local food banks is a testament to the compassionate nature of our employees, their families, and our company. You can also drop off food donations at several of our branch locations (Everett, Marysville, Mill Creek, and Bellevue) between June 8 –28th. Instructions for food donations are located on our intranet site on the home page under announcements. n

LET’S MAKE THIS THE BIGGEST COLLECTION EFFORT TO DATE! MAG is donating six pounds of food for every “like” on our company Facebook page between June 4th and June 28th. We need your help to spread the word to your friends and family to “like” our company Facebook page! So far we have raised over 246 pounds of food just by getting “likes”! We can do better than that! We are going for a big goal of 12,000 pounds of food donations, which equals 2000 “likes”! Share our link with instructions to like our Facebook page; it is such a simple way to help those in need. www.facebook.com/ MortgageAdvisoryGroup.

Like us on Facebook! 1

MAGnifier

June 2013


Talent Management Vision: To provide a positive work environment where our MAG team members are the recipients of an excellent career experience, led by our skilled and compassionate leadership team who is focused on providing on-going communication and growth opportunities that empower our team members with the tools to excel in their careers and the support to manifest possibilities! Mission: How we accomplish our vision is by equipping our leadership team with targeted training, coaching, mentoring, and team building opportunities. • By creating and deploying best practice training curriculums for our leadership team and their team members, we become a learning organization that will develop and retain the best talent. • By opening the channels of communication, we encourage employee development and empower our team members to achieve their performance goals and objectives. • By providing our team members with the most talented colleagues to work with, we create employee engagement. • Through our innovative employee programs, we create a MAGnetic culture by promoting an energetic, morale-boosting, supportive team environment where team members have the opportunity to have fun, be creative, and build relationships.

Bonni Tuley Manager Talent Management Bonni has worked in a number of fields, from Restaurant Manager to Dental Assistant, to Realtor. For the last six years she has been a very important part of MAG, where she’s worked in a number of departments, allowing her to become very knowledgeable about every aspect of the mortgage industry. She started her career at MAG as an MA Assistant, became Marketing Specialist and Trainer, and made her move to Human Resources where she is now developing the newly reintroduced Talent Management Department with a team of professionals equipped with the knowledge and skills to maximize MAG’s business value. “MAG’s Talent Management is more than your traditional Human Resources. It is strategically selecting, training, developing, and retaining our talent pool to optimize performance and reach our business goals.” She greatly enjoys working with a highly dedicated, intelligent, performance driven team, and understands the value of a company that provides opportunity for growth and career development. Bonni enjoys people and often finds herself in roles that allow her to coach, support, and develop individuals. She is naturally a creative problem solver, analyzing situations and strategizing solutions. During her time at MAG, she implemented new OnBoarding procedures that WOW new hires, providing them with a high-tech, seamless introduction to the company, our culture, and our leadership team. Bon-

ni’s continuing contribution to MAG is astounding. She is thrilled to be part of a positive and progressive organization. Appropriately, her motto is “You can do anything you set your mind to,” and her favorite quote is “Action is the antidote to despair,” by Joan Baez. A few things you may not know about Bonni: • She’s half Korean and Korean was her first language. • Her nickname was BonBon in high school. • Korean food is her favorite comfort food. • When she was young, she wanted to be a middle school teacher when she “grew up.” • Her favorite musicians or bands are India Arie, RadioHead, and Dave Matthews. • If she could have lunch with anyone in the world, it would be the Dali Lama, Mother Theresa, and Martin Luther King, Jr. • She is currently the Diversity Director for Snohomish County HR Association. n

Don’t forget to check out

the many titles available through the MAG Resource Library! Visit the Intranet for a complete list. 2

MAGnifier

June 2013


GREEN Tip

To my MAG family

Green shopping: Try a thrift shop! The global energy crisis is overwhelming, but Americans are looking for ways to make small changes that add up.

By Dave Wortham, CEO, Co-owner

We install solar panels, buy hybrid cars, and turn down the thermostat. Yet when it comes to everyday shopping, we are conditioned to buy more than we need, new things made halfway around the world. Our passive attitude toward consumer goods is becoming a major obstacle in conserving energy. It’s not doing much for a healthy economy either. But exactly what are we to do when we’re told that shopping is a patriotic activity? There is an alternative to this wasteful paradigm: thrift shopping. This robust “re-purposing” market — Goodwill, Salvation Army, and the many other charitable thrift stores, large and small, throughout our country — sell high-quality re-purposed goods, many nearly new sold at fair prices.

Recycling used clothing is hardly a new process: It’s called a thrift store. Take a look in the yellow pages under “secondhand stores,” “thrift shops,” or similar categories. Thrift shops are run by charities like the Salvation Army and Goodwill Industries. How does thrift shopping lower our carbon footprint? No additional energy is required to fill the consum-

Congratulations! We share this celebration together

You can stock up on some great stuff at a low price from the thrift shop. er’s need for a gently-used product. The fuel of long-haul transport has already been burned. Reused products do not have the weight and waste of excessive packaging that new products do. Finally, thrift-store shopping diverts reusable items from landfills. That is a respectable energy savings. You can stock up on some great stuff at unbelievable prices. Tap into the national directory of thrift stores, searchable by zip code, at www.thethriftshopper.com. Thrift shopping is also a poetic gesture: The profits from the sale of re-purposed products in charity-run thrift stores directly promote the re-purposing of lives in need. Another great idea is selling your unwanted outfits at a home sale. Advertise the sale in the local paper or with flyers on lamp posts and bulletin boards — you’ll be amazed at the turnout. Not only do we avoid product waste; through our contributions we help to avoid the waste of another human’s life. This, in turn, helps our community. n Amy Hardin Turosak 3

It was nine years ago this month that Lee and I took delivery of our first branch of Mortgage Advisory Group — our corporate office on the corner of Colby and Hewitt in the downtown Everett financial district. Back then, many questioned our timing and our model of worldclass service given the potential of a bursting housing bubble looming on the horizon. Despite this, Lee and I were determined to pursue our dreams and our vision of building a world-class mortgage banking company. Nine years later we are still here, stronger than ever. I am in awe, not just of the company that grew out of our original vision — but of the amazing people who made it happen. We are more than just a team: we are a family. I am so grateful to all those — past and present — who have contributed to making Mortgage Advisory Group what it is today. I am especially thankful and grateful for the opportunity to be on this journey with my business partner and friend, Lee Dionne. n MAG e-Store is coming July 1st! Show your MAG team pride by wearing MAG apparel this summer! Special Summer MAG eStore opening July 1st through 12th. Take advantage of this extended opening to purchase MAG apparel for your summer networking opportunites. Visit the e-Store by clicking our e-store button on the Marketing page on the MAG intranet.

MAGnifier

June 2013


Companywide Top Producer: MAY Kevin Everett. . . . . . . . . . . . . . . . Marysville

Branch Top Producers Sharon Crockett. . . . . . . . . . . . . . . . . . . Everett Tom Pessemier. . . . . . . . . . . . . . . Mill Creek Kevin Everett. . . . . . . . . . . . . . . . . . . Marysville Jason Austin. . . . . . . . . . . . . . . . . . Wenatchee David Lee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Bellevue

Holiday Schedule July 4th. . . . . . . . . . . . . . Independence Day Sept 2nd. . . . . . . . . . . . . . . . . . . . . . . . . . . . Labor Day Oct 14th. . . . . . . . . . . . . . . . . . . . Columbus Day Nov 28th. . . . . . . . . . . . . Thanksgiving Day Nov 29th. . . . . . . . . . . . . . . . . . . . . . Thanksgiving Dec 24th.. Christmas Eve (half day) Dec 25th. . . . . . . . . . . . . . . . . . . . Christmas Day **One Floating Holiday**

Yes, Ladies and Gentlemen — our “Game is On!” MAG’s first softball game/picnic is this Saturday, June 22nd We’re meeting at the Martha Lake Airport Park in Lynnwood, at 10:30am. Please come on out with your family and friends, bring your softball gear, your cooler full of cold beverages, and some yummy snacks to share. We’ll pick up teams with all of you that show up to play, and all the rest of you can be our cheerleaders, umpires and base coaches!! Just come join us for fun, laughter and a MAGnificent time!!

Commitment to WOW I just want to say that Natalie and Melanie do such an amazing job at our Everett Front desk. We have several very special circumstances that occur on a daily basis, and I want to recognize them for the way they treat every single person with the ultimate dignity and prompt attention to their specific needs. Often you will hear “Andrew’s” whistle on the corner of Colby and Hewitt, and Melanie will dash out the front door to guide him safely across the street and down the block, ensuring that he avoids the sidewalk hazards. You should also see the transformation that is occurring in Wally, a frequent visitor. Mel and Natalie not only deliver exceptional customer service to our clients and employees, but to all the citizens of our community. You both are such true testaments of “loving your neighbor”. Thank you so much for all you do.~ Jeryl Torick. Kudos to Omeed Salashoor from the Sauve Team: We thank you for all of your support and enthusiasm that you provide to our team! There is never a time that you don’t follow through and we really appreciate that! Kudos to Shannon Cordova, Danielle Facey, and Rachael Ekman from the Sauve Team: Thank you all for your hard work in May! We couldn’t have done it without you wonderful ladies!

Positive and Professional Kudos to Bob Richey from the Sauve Team: Your positive reinforcement and attitude make the difficult days a lot less difficult! We thank you for that! We always love coming to the Mill Creek office because we always see your smiling face! Kudos to Kraig Norris from Cheryl Haugen: You are so great at what 4

you do! I never have to ask twice, remind or bug you for anything. It is really nice to know that you give 110% at all that you do, you make my job so much easier! — You are appreciated! Kudos to our Broker Team from Nancy Carmen: My thanks for your diligence on our last closing. Thank you Heather for your constant updates, emails to the lender and escrow to make this closing happen. We all know that brokered loans can be challenging but it is assuring to know that with our broker team, I know it will always get done. Your hard work is appreciated.

Delight the Customer Kudos to Processing and Underwriting teams from Ashlee Asher and Nikki Sauve: In April, we had one of our real estate agents come to us and let us know that their borrowers were extremely unhappy with their current lender because they were not communicating and the loan needed to close by month end. We ended up getting the borrowers qualified that same day, disclosures were signed on April 16th and we submitted the file on April 17th to processing. The appraisal was done in only one business day! It was UW by Shelley and was a one touch UW! Yahoo! We were able to fund their loan on April 30th; this means we started the loan and completed it in only 9 business days! Our processing team; Shannon Cordova and Danielle Facey did such an awesome job getting this loan set up and sent into UW. Shelley was also outstanding at UW the file and had it completed so quickly! The borrowers were so happy that we were able to get their loan closed for them in such a short amount of time! MAG, thank you for your outstanding commitment to making this process easy and amazing for not only our borrowers but for us as well! n MAGnifier

June 2013


EMPLOYEE SUBMISSIONS

Products MAGnified MAG FNMA Guidelines and a Conventional Overlay List are available for use in the MAG Product Library and are to be used on all new and existing loans.

Generous donations will provide care kits to families admitted to Seattle Children’s Hospital.

As a traumatic and emotional experience led our new friends, James Hsu and Jessica Clift, to create Helping Kids be Kids, (HKBK) a Guild of Seattle Children’s Hospital, our own MAG employees were moved as well.

Anne Ramsey, Lisa Britton, Doug Prutsman, DeBorah Williams, Nancy Fox, Shelly Bumgarner, Marcie Tarbet, Natalie Griffin, Erik Noet, Nikki Sauve, Rebecca Wisner, Brie Sidener, Suyny Tasaka, Laurene Milner, and Kathy Cooley.

The idea of providing Care Kits to the families of children admitted to Seattle Children’s Hospital came as a result of James’ family’s unexpected emergency experience and long-term stay in the hospital.

Jason Brock and a few of the other firefighters will be donating their time on June 21st to come to the hospital and deliver over one hundred new stuffed animals, too! The following businesses in Mill Creek also contributed: Dr. Kane, Dr. Dwight Cottill, Muddy Buddy Dog Salon, and Artisan Framing.

As his story was shared, several MAG employees embraced the opportunity to support HKBK. Our team worked together to gather donations of food and personal hygiene items, which resulted in filling 30 large reusable grocery bags to be given out at the hospital as needed. On Thursday, June 6th, Brie Sidener, Suyny Tasaka, Kathy Cooley, Michelle Follett, Jeryl Torick, Jessica Tanner and James (and son Caleb), gathered in the Mill Creek Office to sort and pack the generous donations made by the following: Lori Larsh, Rob Hallum, Dara Nilsson, Jason Austin, Dave Gardner, Omeed Salashoor, Kirsten Oelrich,

The compassion and vision shown by Jessica and James while meeting a need that was very personal to them will have far reaching effects on other families who fear unexpected long-term stays at the hospital. HKBK also provides craft projects and holiday activities for the kids, helping them to feel more like regular kids than like a sick children in a hospital. If you are interested in helping Jessica and James further their efforts through HKBK, please contact Jessica@verraterra.com. n Jeryl Torick 5

Highlights: • Follow FNMA Condo Guidelines with MAG Underwrite. • Follow FNMA Rental Income Guidelines: Use rental income to qualify without the two-year Landlord History requirement. • Follow AUS on income documentation. • FNMA High Balance is now available. • Reduced overlays on FNMA 97% LTV- allows FNMA approved condos and lower score requirement of 660. Visit the product library at: https://intranet.magloans.net/Product%20Library/SitePages/Home.aspx

Security Tip Address Book Safety Like most people we have a lot of information in our phones, including who we know, what relationship they are to us, and maybe some other details that could be used as challenge questions over the phone to verify your identity, or by someone trying to be you. Think carefully about the information you store on devices that can be easily lost or stolen, and as always — do not share your device password with anyone.

MAGnifier

June 2013


Birthdays July

EMPLOYEE SUBMISSIONS Continued

Elise Espelund. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1st Bonnie Shrauner. . . . . . . . . . . . . . . . . . . . . . . . . . . 1st Ian Williams. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1st Tim Wu.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9th Dan Bliven.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12th Nikki Sauve. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14th Brie Sidener. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14th Nancy Fox. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18th DeBorah Williams.. . . . . . . . . . . . . . . . . . . . . 24th Randi Shrauner. . . . . . . . . . . . . . . . . . . . . . . . . . 25th Carrie Medeiros.. . . . . . . . . . . . . . . . . . . . . . . . . 29th Jeremy Van Beek.. . . . . . . . . . . . . . . . . . . . . . 30th

July Anniversaries 1 Year Bonnie Brown.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9th Tim Wu.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9th Shelley Covington. . . . . . . . . . . . . . . . . . . . . 16th Angelica Murillo. . . . . . . . . . . . . . . . . . . . . . . . . 16th Dara Nilsson. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30th

Natalie Griffin hard at work rebuilding and setting up laptops! How many is that… 4? 5? 6? No... try 7! Wow! Way to be a multi-tasker and oh-so-efficient!

2 Year Donald Reehoorn. . . . . . . . . . . . . . . . . . . . . . 29th

3 Year Autumn Blodgett. . . . . . . . . . . . . . . . . . . . . . . . . . 4th

5 Year Lisa Britton. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21st

6 Year Kevin Everett. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16th Ron Autry. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16th

8 Year Brenda Carter.. . . . . . . . . . . . . . . . . . . . . . . . . . . . 18th

Important Dates Last day to sign refi’s.. . . . . . June 24 All docs back in Everett no later than June 25th at 10:30am. Office closed. . . . . . . . . . . . . . . . . . . . . July 4th (Non-rescission day)

Bob Richey, his wife Jodi, daughter Maggie, and a number of MAG employees (Meghan Kennedy, Melissa Severance and family, Jean Notson, Michelle Follett and husband) enjoyed a day in the sun volunteering at the May 4th Special Olympics King County Region Soccer Tournament. What a wonderful experience — thank you MAG volunteers! 6

MAGnifier

June 2013


EMPLOYEE SUBMISSIONS Continued

To Your Health

The North Central Washington Home Builder Association golf tournament was on May 17th and had a 60’s theme. It was an awesome day, and I had a great time out there with Rebecca Maloney from North Meridian Title, Melissa Carlson with State Farm Insurance, Cindy Smith of Western Ranch, and Tina Hofstetter with H&H Construction. n Kim Witherspoon

Happy Birthday, Stacey Morton!

For the MAGaime lunch, Traci got steaks and grilled in front of the office.

Stacey turned 30 Saturday and did the Mud run! Her theme for her birthday was “I am 30 and dirty!”

My husband, Steve, and I own Kiddie Academy of Bothell (in Canyon Park) — we’ve made mention of it before in the MAGnifier. Anyway, we just won the top award for all of the Kiddie Academies nationwide — it’s the Life Essentials Award for the best of about five categories, including school curriculum, technology, and parent involvement. Since we’ve been open for less than three years, this is indeed an exciting event! Steve has worked extremely hard to get the school to this point, and our Director and staff are beyond the best! We’re very proud! n Sue Ahrens 7

How much water should you drink every day? By Charly Williams Water is essential to good health, yet needs vary by individual. These guidelines can help ensure you drink enough fluids. Water is your body’s principal chemical component and makes up about 60 percent of your body weight. Every system in your body depends on water. For example, water flushes toxins out of vital organs, carries nutrients to your cells, and provides a moist environment for ear, nose and throat tissues. Lack of water can lead to dehydration, a condition that occurs when you don’t have enough water in your body to carry out normal functions. Even mild dehydration can drain your energy and make you tired. How much water do you need? Many of us do not drink the necessary amount of water each day that keeps us healthy. For your body to function properly, you must replenish its water supply by consuming beverages and foods that contain water. Through activities of daily living, the average person loses about 3-4 liters (about 10-15 cups) of fluid a day. What is lost must be replaced by the water and fluid we drink and the food we eat. The Institute of Medicine determined that an adequate intake (AI) for men is roughly 3 liters (about 13 cups) of total beverages a day. The AI for women is 2.2 liters (about 9 cups) of total beverages a day. How do you know what that ideal intake amount of water is for you? Check out these websites for more details. http://www.mayoclinic.com/health/ water/NU00283 http://www.watercure.com/faq.html

MAGnifier

June 2013

Magnifier june 2013  

Mortgage Advisory Group Newsletter June 2013