More at Movement

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MOVEMENT STARTED WITH JUST 2 LOCATIONS AND 4 EMPLOYEES. NOW, WE’VE GROWN TO:

778 LOCATIONS

5,300+ EMPLOYEES TOP RETAIL LEN

IN 2022

66

DER*

#6

*Scotsman Guide, 2023

175,000 LOANS SERVICED WORTH A TOTAL OF

$48.9 BILLION IN 2022

$22 IN 2022

$377 as of 2022

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OUR PROCESS BUILT FOR SPEED At Movement, we don’t like to play the waiting game. That’s why we’ve made lightning-quick processing times the foundation of our loan process, helping you close more loans, faster. We call it the 6-7-1 Process – which stands for 6-Hour Upfront Underwriting, 7-Day Processing, and 1-Day Closing*.

Our Ops team doesn’t say “no.” We say, “how can we make this happen?” by removing as many obstacles as possible.

Movement has a 580 score minimum, which can allow for fewer overlays.

Approvals are done from a common sense perspective.

We’re well-known for saving deals that others couldn’t fund and all denials go through a committee – no single underwriter can deny a loan. And if there’s an issue with an application? You can pick up the phone and call the exact underwriter working on it, because you’ll likely already know them personally.

OUR INNOVATIVE LOAN TIMELINE

Q UA LI T Y CO N T R O L

* LO SETS CUSTOMER EXPECTATION

LO TAKES LOAN APP

U/W & PROCESSOR ASSIGNED

1 DAY GOAL FINAL U/W

APPRAISAL OUT SAME DAY

*While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window.

03 A P P R A I SA L

M SA SUPPORT

91 1 R E S OLUTION C E N TE R S

PRE-SUBMIT MARKETING

APPRAI SAL REVIEW

D I S C LOS U R E

LOAN OFFICER

M I S S I O N CO N T R O L

CO M P L I A N C E

CONCI ERGE

F I E L D S UPPOR T

P OST C LOS I N G LOA N CO M M I T T E E TRAINING + MANY MORE

SERVI CI NG SU PPORT GROU P

UP F R ON T U N DERWR I T I N G

HOW WE DO THINGS We give you a serious competitive edge in a crowded market.

More than 75% of our loans are ready to close in just 7 days*.

This eliminates stress, saves lost deals and standardizes quick, dependable closings, which makes realtors ecstatic to work with us. We also have teams dedicated to supporting you through each step of the process. *While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window.

We get right to it. Our LOs and LOAs send applications directly to Underwriting to thoroughly review the file from the beginning, decreasing conditions and saving a remarkable amount of processing time. To make things even speedier, our LOAs are also trained to be processors and work directly with underwriters, saving more time and giving LOAs more control. You focus on sales. We’ll take care of the rest.

WH E R E OPS WO RKS WIT H YOU, NOT AGAIN ST YO U

MI SS I ON CON T R OL A N D 91 1 S E RV I C E

D E D I CAT ED APPRAI SAL UN D ERWR I T ER S

Get ready to work with an operations

Our Mission Control team has

We have a team of

team that wants to get loans closed as

a very particular set of skills

underwriters who only

much as you do. No application can be

they acquired through rigorous

review appraisals all day,

denied by one underwriter – it must go

training and a lot of experience.

every day, to keep pipelines

before the underwriting leadership team

They follow specific processes

clear and processing times

to ensure no other options are available

for high-priority, rescue or

ultrafast.

to the borrower. Our LOs also have full-

scratch-and-dent files, ensuring

time “on-call” support from underwriting

each file is assigned to the

experts who have direct relationships

proper department and handler.

with government-sponsored enterprises.

PIPE LINE MANAG E RS

P R E - C LOS I N G

CON C I E RGE T EAM

As the liaison between Sales

Why subject borrowers and

Consider this your dedicated air

and Ops, our pipeline and

realtors to a last-minute, anxiety-

traffic control team. Any Ops

production managers make sure

inducing scramble? We send our

challenge you might face can

the trains keep running on time

initial closing disclosures 3 to 10

be on its way to rapid resolution

by keeping applications moving

days prior to closing and have

with the support of this team.

and jumping in front of any

a clear-to-close goal of 5 days

If they don’t know the answer,

challenges. Pipeline Masters, as

prior to closing.*

they’ll tell you who does.

we sometimes call them, they’re always looking for opportunities to improve the borrower and realtor partner experience.

*While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window.

07

SERVICING LENDER FOR LIFE We want to give our borrowers the smoothest, blow-their-socksoff, guaranteed-to-tell-their-friends-about-us experience possible.

That’s why we’ve made the strategic investment to retain our servicing and help our loan officers keep their customers for life.

Our dedicated Servicing Retention Team markets to your service books on your behalf with special pricing and refi offers.

Your SRT partners act in your stead, keeping your name and brand in front of the borrower Post-closing, you remain the name, face and contact on every monthly borrower statement Purchase leads are immediately flipped back to you You get to stay focused on purchase business while looking like a rock star to your existing clients with smoking-hot pricing and service

BOR R OW ER POR TAL Borrowers expect a digital

*

experience from their lender.

(Mailing checks? Making phone calls? That’s so 2002.) We service our own loans, so we’ve built a borrower portal that includes everything they could want and need: A mobile app, automatic payments, home value calculators and other tools to help borrowers manage their mortgage.

09

CONVERT MORE LEADS WITH THE INDUSTRY’S TOP TECHNOLOGY Powered by industry-leading tools like Salesforce, Total Expert and Blend, Movement’s sales and marketing technology offers a way to engage with clients consistently and automatically across email, text, video, print and more.

Provide value to your agents with a variety of co-marketing materials and access to our dedicated partner portal that keeps your realtor and builder relationships updated every step of the way.

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DIFFERENTIATE WITH IMPACT LENDING Impact Lenders are mortgage lenders who commit to bettering the neighborhoods they serve by providing at least 10% of their profits to their community.

At Movement, we’ve always been Impact Lenders, giving almost half of our revenue to help uplift underserved areas through the Movement Foundation. Now, we put a title on it – Impact Lending.

We’re clarifying what makes us different and what we value. We’re also teaching borrowers and realtors to expect more from the industry.

A recent study tells us that 71% of consumers would buy from a purpose-driven company over the alternative if cost and quality were equal.* At Movement, we’re giving them the option to do that. * https://www.fastcompany.com/90605135/people-are-more-likely-to-trust-and-buy-purpose-driven-brands

TRADITIONAL LENDING VS IMPACT LENDING T RA D I T I ON A L L E N D I N G

I MPAC T L E N D I NG

•

Assesses credit

•

Assesses credit

•

Offers financing options

•

Offers financing options

•

Processes applications

•

Processes applications

•

Gathers documents and appraisals

•

Gathers documents and

•

Assesses creditworthiness

•

Finalizes paperwork and close

appraisals •

Assesses creditworthiness

•

Finalizes paperwork and close

•

Contributes at least 10% of its profits into communities

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AGENCY-LEVEL MARKETING

CON D O E X P R ESS A highly-trained, dedicated team solely focused on approving new projects and winning our Loan Officers projects

Build your personal brand with print, digital, social

that were previously denied by their

and video assets from our in-house marketing

competitors. This team does all of the

department. Take advantage of a ridiculously robust

heavy lifting for the LO and Realtor.

library of ready-to-go marketing assets, or request custom pieces. Your business is uniquely personal to

You’ll have access to an expansive

you. Your brand should be, too.

national database of existing approved condo projects. We have a staff of attorneys, processors and underwriters who dig into loans and make them warrantable by FNMA guidelines.

TH E IND U ST RY ’ S B E ST T ECH

AUTOM AT E D BUS I N E SS L I ST I N G S

Movement’s sales and marketing platform pulls

Showcasing your business information and positive

your leads, loans and Movement’s cream-of-

borrower reviews has never been more critical.

the-crop marketing into a powerful command

Movement provides these services for all loan

center. Our platform combines the industry’s best

officers, including pulling featured reviews into your

platforms like Salesforce, Total Expert and Blend.

individual Movement loan officer website.

AU TO MAT E D AN D CU STO M M ARKE T I N G CAMPAIG N S AN D ASSE TS

AG E N T MA R K E T I N G P R OG RA M

We support all marketing touchpoints – video, email, social media, print and more. Choose from automated, ready-to-go assets and campaigns, or

Build trust and increase your authority with realtors. This pre-made series of lunch-and-learn presentations is packed with practical, up-to-date tips for realtors to better market themselves.

make a custom request.

S O CIAL M E DIA SU P PO RT Access an entire library of pre-approved, readyto-go social media content, as well as engaging templated or automatic campaigns.

D I S COUN TS ON MA R K E T I N G TOOL S Looking for even more support? Movement gives you access to discounted pricing with third party approved tools such as Leadpops, BombBomb, MBS Highway, ListReports and more.

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IMPACT COACHING: CUSTOMIZED COACHING FOR YOUR GOALS What do you need most right now? Clarity on how to grow your business, predictable lead flow, stronger relationships with referral partners, more freedom, less stress...?

Whatever you need and no matter where you are in your career, Impact Coaching connects you with industry experts and top producers who know how to get you to the next level.

Our coaches have the experience, skills and desire to help you get from where you are to where you want to be.

Impact Coaching offers a powerful range of options crafted to meet your production level, the intensity of your needs and the coaching style you prefer: Self-paced coaching Group coaching 1-on-1 coaching Direct mentorship Player-coach model No matter which coaching option you choose, you also get: Road-tested insights and tactics from active top producers Marketing resources to build trust and authority with agents Accountability that keeps you tracking toward your goals Actionable strategies for closing more loans On-the-pulse market insights that make you your audience’s industry go-to

WE WANT TO HELP YOU TO GET WHERE YOU WANT TO BE FASTER

17

TOP PRODUCERS Our top-performing loan officers are the real deal. These LOs have opportunities to serve on advisory groups that help shape our processes, loan product decisions and marketing messaging.

When our loan officers grow, we all grow.

MOVEMENT MORTGAGE PRESIDENT’S CLUB (MMPC) LEADING THE WAY Movement’s top loan officers and market leaders have the opportunity to qualify for President’s Club. MMPC is hosted annually in a tropical locale to celebrate the year’s success. These top producers are presented with unique outreach and networking opportunities, along with perks like custom marketing options, exclusive gear and much more.

CHANGEMAKERS THE BEST OF THE BEST A step up from President’s Club is Changemakers, Movement’s top 1% of loan officers. This elite group sets the trends and helps guide the company. They are watched and followed not only by their peers but by corporate leadership as well. Changemakers receive everything President’s Club members get, plus dedicated IT support, custom team logos, video coaching, exclusive gifts and much more.

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19 MOV E M E N T MI L I TARY We’re proud to serve those who serve us. We have a team and process dedicated to VA Loans – built by military families for military

SPECIALIZE IN THE NICHE YOU LOVE

families. Our process is built to meet the needs

The competition for every loan is fierce. We’re rising to

families understand their VA benefits.

the occasion by heavily investing in specialized teams of experts who service unique segments of homebuyers.

of any last-minute relocation order. We also waive lender and origination fees* as part of the program and provide free access to our premium educational content to help military

J UM BO Competitive pricing and qualifying standards

Movement has a loan product or program for just about

paired with the ability to handle select Jumbo

any scenario. And more ways to help more homebuyers

loans in-house is our power-packed formula

means more ways to increase production.

for giving our loan officers the competitive edge. We offer a full suite of securitized Jumbo products, cutting-edge internal programs and Non-QM products that are exclusive to Movement Mortgage.

B LACK AME RICAN H O M EOWN E RSH IP

CON D O E X P R E SS

R E N OVAT ION N AT I ON

There’s a huge gap in homeownership between

Winning new condo projects can be a

To help you serve buyers who

Black Americans and their counterparts. Only

headache for loan officers. That’s why

see the benefits of snapping up

45% of Black Americans were homeowners in

we assembled a specialized team of

a fixer-upper in a low-inventory

2022 compared to 74% of White Americans.**

attorneys, processors and underwriters

market, we’ve assembled an entire

We intend to unlock the doors of possibility,

whose sole focus is approving and

fulfillment team and dedicated

opportunity and generational wealth. We’re

winning the projects that our

post-closing department. Plus, all

focused on educational empowerment by

competitors were denied. They dig into

of the follow-up is taken care of

offering classes, community events and

loans and make them warrantable by

for you.

other resources needed to encourage Black

FNMA guidelines. Loan officers then

Americans to grab the keys to homeownership.

have access to an expansive national

REVERSE

database of approved projects.

More retirees are turning to reverse

COMUNIDAD We’ve identified the Hispanic-Latino

BUI L D E R

mortgages as a way to supplement their retirement than ever. Our

community as one of the most underserved

Our Builder Division is a dedicated team

Retirement Mortgage Professionals

and fastest-growing homebuying groups

who works seamlessly with new-home

help loan officers expertly navigate

in the U.S. That’s why we’re committed

builders to meet the unique challenges

complexities and timelines, while

to providing a Spanish digital mortgage

that they face and create reliable closing

helping senior clients over 62

experience for Spanish-speaking borrowers, as

timelines. Our loan officers have strong

capitalize on the equity they’ve

well as marketing and operational support for

partnerships with prominent builders

built in their homes.

Spanish-speaking loan officers and realtors.

across the nation.

*Other VA-permissible fees may apply. VA loans require a VA Funding Fee that may be financed into the loan or paid out of pocket at closing. All eligible Veterans and Reservists must meet all VA income, asset, and property requirements. For loan amounts exceeding $647,200, the amount of the VA entitlement or the entitlement plus the down payment must equal 25% of the property’s reasonable value. ** https://stateline.org/2022/10/13/black-families-fall-further-behind-on-homeownership/

21

WE INVEST IN YOU When you grow, we grow. When you succeed, we succeed. As a loan officer with Movement, here are a few of the ways we support your personal and professional growth:

LOAN OFFICER ASSISTANCE VALUED AT APPROXIMATELY $40,000 Full-time or shared LOA support based on production

IN-HOUSE, AGENCY-LEVEL MARKETING VALUED AT APPROXIMATELY $25,000 Personalized, agency-quality multimedia campaigns and assets at your fingertips Harness the power of our graphic designers, copywriters and video producers to make sure your business is front and center for your buyers Estimated 6 additional closings on average per loan officer annually Additional income to the loan officer – est. $12,000 CRM cost paid by Movement – $1,800

COMPANY MATCHING 401K Fully vested from day 1 of employment

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MORTGAGES THAT MEAN MORE That’s not just a tagline. It defines who we are.

Nearly half of our profits go to the Movement Foundation, where they are directed toward much-needed infrastructure, education and support to underserved communities across the world. But that’s not all. We believe in amplifying the generosity of others. That’s why we match employee giving to nonprofits that aligns with our philanthropic focus.

More support. More growth. More IMPACT. With every home closing, we open doors to more.

Movement Foundation is the legal entity we work through to use our profits to uplift others – bringing life, light and hope to communities around the world.

Movement Schools is a

Our Match Giving program

Love Works is our employee-

network of free, public charter

amplifies the generosity of

funded initiative designed to

schools committed to teaching

others, so when employees give

support co-workers dealing

world-class academics and

to a qualified organization, we

with unexpected needs,

virtues in areas where families

match it dollar for dollar —

emergency expenses or crisis

have historically lacked access

or donate to match the time

counseling.

to education options.

they volunteer.

25

OUR LEADERSHIP Casey Crawford, CEO Casey is the co-founder and CEO of Movement Mortgage, one of the leading retail mortgage lenders in the country and a six-time member of the Inc. 5000 list. The former Super Bowl champion has been recognized both domestically and around the world as a transformative leader.

Casey helped inspire a culture at Movement Mortgage that loves and values

CASEY CRAWFORD

people. This has led to thousands of loan officers achieving record-setting results in their business, while thriving as servant leaders in their communities.

Mike Brennan, President Since 2015, Mike has led at Movement as Regional Director and Chief Performance Officer. Now, as Movement’s first President, Mike leads Sales-Ops alignment to make sure the entire organization serves our loan officers and empowers them to reach their goals.

Mike’s main goals are to lead and unify Movement’s national Sales and Operations teams around key strategies and initiatives to achieve our mission to love and value people.

MIKE BRENNAN

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Brady Yeager, National Sales Director Brady joined Movement in 2023 and serves as Movement’s national sales director. With one of the industry’s most impressive recruiting and retention track records, Brady is just the person to help lead the charge for our sales team and oversee Movement’s growth throughout the country.

A 20+ year veteran of the finance and mortgage lending industries, Brady’s experience spans investment banking, residential retail mortgage and private mortgage lending. Under his leadership, loan officers have originated and

BRADY YEAGER NMLS: 175850

funded over $26 billion in mortgage loans.

Brady is passionate about helping loan officers grow their business to serve more families and communities.

FOR MORE INFORMATION, VISIT

WWW.MOVEMENTLO.COM

MORTGAGES THAT MEAN MORE

www.movement.com

Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: http://www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by AL # 21022, AK # AK39179, AZ # 0918544, AR # 105002, “CA Department of Financial Protection & Innovation (DFPI) under the California Residential Mortgage Lending Act” # 4131054, CO # 39179, CT # ML-39179, DE # 012644, D.C. # MLB39179, FL # MLD1360, GA # 23002, HI # HI-39179 & MS205, ID # MBL-8027 & RRL-9397, IL # MB.6760898, IN # 18121, IA # 2013-0023 & 88883410, KS# MC.0025343, KY # MC85066, LA, ME # 39179, MD # 39179, MA Broker & Lender # MC39179, MI # FR0021343 & SR0020189, MN # MN-MO-39179, MS# 39179, MO # 39179, MT # 39179, NE, NV # 3401, NH # 20985-MB, Licensed by the N.J. Department of Banking and Insurance, NM, Licensed Mortgage Banker-NYS Department of Financial Services # LMBC 108773, NC # L-142670, ND # MB103223, OH # RM.804187.000, OK # ML002646, OR # ML-5081 & MS-37, PA # 34374, Rhode Island Licensed Lender, Broker and Servicer 20153194LL & 20153195LB & 20153196LS, SC # MLS - 39179, SD # 39179.ML, TN # 112748, TX, UT # 7773921, VT # 6862, 39179-1 & 1288 MB, VA # MC-5112, WA # CL-39179, WI # 39179BA & 39179BR, WV # MB-32019 & ML-32020, WY # 3104 & CL-3790. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707.

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