Be at Your Best - Mutual of Omaha Mortgage

BE AT

YOUR

BEST Discover an Inclusive, Caring and Collaborative Culture Where You Can Thrive

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It's So Great to Work Together!

There’s never been a better time to join forces with Mutual of Omaha Mortgage to serve your clients.

We’ve recently introduced new products, streamlined services and increased momentum to leverage emerging opportunities in today’s marketplace — all to better serve the mortgage needs of your clients.

When you work for Mutual of Omaha Mortgage, you’ll enjoy peace of mind knowing you’ve chosen a company that exists for its customers and makes decisions with their best interests in mind. That means your clients get the strength, stability and innovative solutions they need from a company they know and trust.

In these turbulent economic times, we hope you’ll allow Mutual of Omaha Mortgage to be that steady hand. Thanks to our focused business strategy, disciplined investment practices, strong commitment to our customers and talented, engaged workforce, we have avoided many of the pitfalls that affected others in our industry.

We look forward to helping you serve your clients today and for many years to come.

Sincerely, Jeff Gennarelli President, Mutual of Omaha Mortgage

BE AT YOUR BEST

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A Name You Know and Trust As a division of Mutual of Omaha, our mission is to provide products that help our customers through life’s transitions, and we back them with operational excellence at every level. Above all, we strive to maintain the highest degree of integrity in all our interactions.

As a mutual company, we’re not driven by short-term thinking and a focus on quarterly results that so often characterize publicly traded companies. Our mutual structure allows us to ensure every decision we make is with the long-term benefit of our customers and borrowers in mind.

Investing in You Our strength and stability allow us to invest in you, your ideas and your passion. We encourage your innovation and support the development of your career.

Plus, you’ll appreciate the connection and support from your co-workers who value your voice and root for you to succeed.

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Wild and Powerful Recognition Not many mortgage companies have the benefit of being affiliated with a beloved television series that has powerful recognition with prospective clients.

Mutual of Omaha’s Wild Kingdom is a breakthrough wildlife program that premiered on NBC in 1963, averaging 34 million viewers in the United States. It was key in helping Mutual of Omaha build trust and brand awareness on a national scale.

Now, 60 years later, Wild Kingdom has returned to NBC on Saturday mornings during “The More You Know” programming block with a new TV series. Protecting the Wild will further distinguish Mutual of Omaha as one of America’s most recognized brands.

Visit wildkingdom.com for more information.

Wild Kingdom has helped Mutual of Omaha become one of the most recognized and respected brands in American history.

BE AT YOUR BEST

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Financial Strength Over the years, we’ve built impressive financial strength to protect our customers’ financial futures and be there when they need high-quality insurance products and financial services. Along with our product portfolio, we’re committed to listening and helping customers through life’s transitions. You can be confident when offering our well-known, trusted brand to your clients.

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About Us Mutual of Omaha has been helping customers since 1909. We exist for the benefit of our customers.

We’re recognized for our enduring legacy of always taking care of our customers. As one of the most trusted names in financial services for more than 100 years, our brand is known by millions who do business with Mutual of Omaha, a Fortune 500 company.

As a mutual company, our focus is helping customers reach their financial and mortgage goals. Our organization has a strong leadership team of seasoned mortgage professionals. We offer state-of-theart technology and superior operational support, ensuring your loan process will be easy and efficient.

Mutual of Omaha Mortgage has the ability to lend in many states around the country. Our loan officers are some of the most knowledgeable and professional lenders in the business.

Our Promise Not only do we offer competitive rates, but we understand the needs, wants and concerns of our customers. Our foundational values drive our business from the ground up and are reflected among every department, employee, manager and executive.

Diversity, Equity and Inclusion You’re at your best when your unique strengths and differences are valued and celebrated. At Mutual of Omaha, you’ll feel a sense of belonging from a company that believes and actively supports incorporating diversity, equity and inclusion in everything we do.

Solid Ratings Mutual of Omaha is proud of our solid financial status, validated by strong marks from the leading rating agencies.

These ratings are independent assessments of a our financial strength and our ability to meet ongoing obligations to policyholders.

A+

A1

A+

Superior

Good

Strong

This rating is the second highest of 16.*

This rating is the fifth highest of 21.*

This rating is the fifth highest of 21.*

AM BEST COMPANY, INC.

MOODY’S INVESTORS SERVICE

S&P GLOBAL *as of October 2023

BE AT YOUR BEST

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We’re Licensed in 48 States Mutual of Omaha Mortgage has experienced tremendous growth.

We take immense pride in our mission to serve mortgage clients across the United States.

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Our Mission, Vision and Values Our mission is to help our customers protect what they care about and achieve their financial goals.

Our vision is for every customer … a financial future imagined, planned and secured.

Our values are the attributes, behaviors and beliefs that connect Mutual employees with a common vision.

Customer Focus We exist for our customers, so every decision is with their best interests in mind

Integrity We hold ourselves to the highest standards and seek always to do the right things

Innovation We encourage new ideas, try new things and always learn from experience as we seek solutions

Accountability We work beyond our areas of responsibility to ensure timely decisions, quick action and ultimate success

Collaboration We are a diverse and inclusive team, collaborating and supporting one another to pursue shared goals

BE AT YOUR BEST

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Digital Tools, Technology and Partnerships At Mutual of Omaha Mortgage, we partner with industry leaders and innovators to give loan officers access to top-of-the-line technologies in search engine optimization, lead generation, reputation management, automated social media management and much more.

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Through partnerships, innovation, design and experimentation we continually find ways to grow the business and enhance the customer experience.

Ellie Mae’s Encompass is a cloud-based loan origination platform. With Encompass, loan originators can onboard new customers with lower origination costs, manage quicker approvals with an automatic workflow system and make smarter decisions using in-depth analytics.

SimpleNexus is a best-in-class, easy-to-use app that connects loan officers to their borrowers and real estate agents from anywhere, allowing all parties to easily communicate and exchange data in a single location throughout the entire loan life cycle.

This high-quality mortgage CRM is a critical piece of software for our loan officers. It keeps their prospects, customers, referral partners and other contacts organized in a central location. It’s also a great tool for automated marketing, such as drip campaigns, post-close campaigns, email templates, newsletters, prebuilt print material and much more.

Mortgage Coach is the digital-based borrower conversion platform that transitions loan officers to providing advice, not price. The result is increased production and profits. The Mortgage Coach platform turns average loan officers into exceptional, highly trusted advisors.

BE AT YOUR BEST

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The Mutual of Omaha Mortgage App Connect to a client’s loan status from anywhere. You and your clients will have instant access to check on their loans with the Mutual of Omaha Mortgage App. Take the mystery out of the mortgage process.

Branded and Ready The app is ready with Mutual of Omaha Mortgage branding. You can easily connect with your clients and business partners for real-time status updates and messaging, all through one central system.

Loaded with Tools Mortgage calculators, secure document uploads, disclosures and more are available to your clients, all in one place.

Easy to Share When you want to pass the app along to your clients, click the Share this App button and enter their contact info. They’ll receive a link to download the app.

Real-Time Loan Status Updates Access your clients’ loan applications and status updates 24/7 from the mobile app.

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RatePlug RatePlug allows you to partner with your real estate agents to provide home affordability information to every homebuyer they work with using the property search system they already know.

D isplay your property specific mortgage payment information within MLS Buyer and Listing reports.

B y applying your mortgage products, rates and other factors such as taxes and HOA fees, the RatePlug payment estimator produces more accurate monthly payment scenarios that lead to more qualified buyers and faster sales.

R eceive proactive MLS-driven alerts, including new listing, open house and under contract.

G enerate cobranded flyers and marketing content in less than 60 seconds.

BombBomb Clients choose you based on trust, confidence and expertise. And today’s market requires more of what you do best. During the moments that matter most, video emails add you back into the equation.

I ncrease Engagement: Videos are more engaging and attention-grabbing than plain text or images. Using video in your communication can help capture the recipient’s attention and convey your message more effectively.

P ersonalization: Video messages can be highly personalized, addressing the recipient by name and tailoring the message to their specific needs or interests. This level of personalization can make your communication feel more relevant and valuable.

E motion and Tone: Video messages allow you to convey emotions, tone and body language that might be lost in text-based communication. This can help avoid misunderstandings and ensure your message is interpreted correctly.

BE AT YOUR BEST

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The Power of Marketing When you join Mutual of Omaha Mortgage, you will have access to a marketing team that delivers the absolute best service and support. By using cuttingedge technologies in the home lending industry as well as standard marketing platforms, we can tailor a plan specific to your goals.

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Our team helps formulate and create effective materials using your ideas and their collective experience in marketing.

Our mission is to help loan officers increase borrower engagement, streamline the mortgage process and help you cultivate realtor-partner relationships that can lead to an increase in loan volume. To help our loan officers stay on top of the competition, we offer: In-house design services Social media management Company store with branded merchandise P ersonalized website featuring your expertise, videos, testimonials, social media links and more Access to video production A ccess to our CRM which includes ready-to-use marketing materials, workflow automation, email automation and technology integrations, such as Optimal Blue

Combine all of these resources with guidance and support from our team and you have an innovative and well rounded digital marketing plan. Our tools will help you save time and stand out from the competition.

Social Media

Videos

CRM

Flyers

Brochures

Website

Company Store

Knowledge Co-op

Emails

Presentations

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Social Media Social media marketing is constantly changing and evolving, that’s why having a social media presence has never been more important for loan officers. Our team can help you develop social media strategies that can increase your business opportunities. With our marketing expertise, we’ll share insights about how you can build and boost your online presence.

Original Content As part of our effective marketing strategy, we integrate our own content created by in-house designers and video editors. We engage potential borrowers who are interested in learning about our unique brand legacy and values, which ultimately factor into their decision to choose us as their mortgage loan originator.

A Social Post Library You Can Automate, Personalize or Schedule Through our CRM, we include tools that make social media management easier and more efficient. You’ll find shareable content that can be automated for posting on Facebook, X and LinkedIn.

Experience.com Word-of-mouth is one of the most powerful forms of advertising. That’s why we’ve selected Experience.com to help strengthen your online reputation. After you close, clients are invited to complete a three-question survey you can set to automatically post on your channels.

Easily collect, analyze, share and take action on customer feedback to power your business. Experience.com allows us to easily capture the voice of your borrowers and turn that into an online referral engine.

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Video Video is a powerful tool in the mortgage industry. It’ll help you keep your past clients and real estate agent referral partners updated and connected to you. You can increase your exposure to potential customers by offering promotional and educational videos that showcase our brand while helping them remember your name.

In-House Video Editors Our video team is here to help you, from preproduction, such as concepts and scripting to putting on the final touches. Our professional video editors are ready to fuse your vision with our brand standards..

Tailored Video Campaigns Video is proven to increase brand recognition, engagement and lead generation. Our team can help you transform your ideas into impactful campaigns that you can showcase on your webpage, landing pages and social media pages.

Custom Content Our in-house designers and video editors are ready to create custom visual content that is eye-catching and shareable, so it not only keeps you trending but also helps you expand your reach.

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Website Our high-quality websites successfully generate traffic from both potential borrowers and realtors. We leverage our strong, memorable brand to help you stand out from the fierce online competition between mortgage brokers.

Landing Pages When running marketing campaigns, we can make sure that potential borrowers click on the right landing pages. Our team knows that pre-click and post-click advertising with the same message helps convert users into customers. That’s why we make sure to offer an easy path for the visitor to follow while providing strong call-toactions that will open a conversation.

Through the utilization of our automated posting platform, SOCi, we can effectively oversee the social media and online presence of our Loan Officers, thereby reinforcing their visibility in local searches. This enables loan officers to maintain both consistency and compliance in their content, ultimately fortifying their digital footprint.

Most mortgage searches begin online. That’s why our team is dedicated to providing loan officers with high-quality custom websites that capture leads.

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Printed Materials Whether you need one project or ongoing monthly marketing materials, our in-house creative team is ready to create custom mortgage marketing pieces when you need them. Our team can also provide ready-to-use comarketing material, such as open house, rate and product flyers. We’ll ensure all your comarketing and promotional pieces follow our brand standards and include the appropriate disclosures.

Examples of printed pieces include advertisements, business cards, flyers, direct mailers, tri-fold brochures, postcards, presentations, trade show materials, banner stands and company stationary.

Pay Your Own Mortgage – Not Someone Else’s!

WHAT IS THE 2-1 BUYDOWN LOAN PROGRAM

FOUR REASONS TO DOWNSIZE YOUR HOME

The rent you pay your landlord – which goes to pay his or her mortgage – could easily be used to build equity in a home of your own.

You get a place to live in exchange for a rent payment, but you don’t get anything else.

However, the opposite is true after buying a home. Your house builds equity, so every time you make a payment, you add to your home value. You can even tap into that equity if you need an influx of cash.

Not only are you paying someone else’s mortgage, but most renters are also charged additional money to pay for rental management and upkeep, so the landlord can make a profit. In other words, you’re paying for someone else to make money.

And How Can It Help You Buy A New Home

1. Budgetary Necessity

3. Sellers’ Market

Whether it’s due to unexpected medical expenses or the cost of living in your area has risen, selling your home, and moving into a more affordable space may be a budgetary necessity. Downsizing can offer many an opportunity to right-size their budget to live more comfortably.

In most areas of the country, home prices have appreciated at historic rates. Depending on how long you’ve been in your current home, you may be poised to walk away with a large sum of money. Funds can be used to pay off high interest debt, pay cash for a new home, or give you an opportunity to rework your budget.

2. Retirement Planning

4. Convenience

Many nearing retirement find that they don’t need as much space as they once did. If you intend to retire outside of your current town or city, it may be a great opportunity to downsize and find the location of your dreams.

Larger homes come with more maintenance and housework. Downsizing into a smaller space or condo that takes care of some of the home maintenance can save you time and energy.

Name and Last Name NMLS: #000000# #Title# Cell #000-000-0000# Office #000-000-0000# #Address# #State, Zip Code # #Email# | #Website#

If you’re considering home ownership, we can help!

Call or send an email today with your questions.

Mutual of Omaha Mortgage Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Dept of Business Oversight under the CA Residential Mortgage Lending Act, License 4131356; Loans made or arranged pursuant to a CA Finance Lender Law license, 60DBO93110; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; HI Mortgage Loan Originator Company License HI-1025894; IL Residential Mortgage Licensee MB.6761115; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022452; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 19-2472; MT Mortgage Broker and Lender License 1025894; NV Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department, Mortgage Banker License 19926-MB; Licensed by the New Jersey Banking and Insurance Department.

NJ Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; North Dakota Money Broker License MB103387; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org

How Does a 2-1 Buydown Work?

A 2-1 buydown is a mortgage loan that offers a low-interest rate for the first year of the loan, a slightly adjusted rate for the second year, and the full rate for the third and later years. With a 2-1 Buydown, the interest rate will increase yearly until it’s at its fixed rate in year three.

For example, if the average interest rate on a 30-year mortgage is 5%, a homebuyer could get a mortgage that charged just 3% in the first year, then 4% in the second year, and 5% after that. *

How Does a Homebuyer Qualify To qualify, buyers will still need pre-approval to show they can afford their monthly mortgage payments.

They’ll also need to disclose their financial information, including their credit history, income and assets. Buyers will also need to show they have enough savings for the down payment.

Homebuyers can use a 2-1 Buydown on primary and secondary residencies, however, cash-out refinances are not eligible. Some states and lenders put limits and requirements on these types of loans as well, so be sure to work with a trusted real estate professional before applying for a 2-1 Buydown loan.

Want to learn more? Give us a call today to find out if this little-known loan program is right for you.

*Assumptions: Loan Amount: $300,000 | Loan Purpose: Rate/Term Refinance or Purchase | Property Type: Single Family Residence | FICO: 780+ | Escrow Account Required: Yes, taxes & insurance

Rates and terms are subject to change. APR may vary. Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. This does not constitute a commitment to lend. For mortgage loans other than fixed loans, it is possible that the borrower’s payment may increase substantially after consummation. The disclosed closing costs are estimates. Actual closing costs and the portion paid by Seller may vary. The information contained is subject to change without notice.

Contact us below to explore your options.

Let’s Talk

Looking for a solution that may make qualifying for a home mortgage loan with a lower rate easier? A 2-1 Buydown loan might be the right option for you.

Name and Last Name NMLS: #000000# #Title# Cell #000-000-0000# Office #000-000-0000# #Address# #State, Zip Code # #Email# | #Website#

Name and Last Name NMLS: #000000# #Title# Cell #000-000-0000# Office #000-000-0000# #Address# #State, Zip Code # #Email# | #Website#

Cobrand Logo Space

Synergy One Lending Inc. dba Mutual of Omaha Mortgage NMLS ID 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Dept of Business Oversight under the CA Residential Mortgage Lending Act, License 4131356; Loans made or arranged pursuant to a CA Finance Lender Law license, 60DBO93110; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; HI Mortgage Loan Originator Company License HI-1025894; IL Residential Mortgage Licensee MB.6761115; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022452; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 19-2472; MT Mortgage Broker and Lender License 1025894; NV Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department, Mortgage Banker License 19926-MB; Licensed by the New Jersey Banking and Insurance Department. NJ Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; North Dakota Money Broker License MB103387; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org

Brandon Lopez

NMLS: #2085458 Mortgage Loan Originator Office (704) 476-1408 Ext:711408 Fax: (224) 325-3375 blopez@mutualmortgage.com

Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/Broker/ Servicer License 109250; Licensed by the Department of Financial Protection & Innovation under the CA Residential Mortgage Lending Act, License 4131356; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DE Lender License 028515; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; GA Mortgage Lender License/Registration 46648; HI Mortgage Loan Originator Company License HI-1025894; ID Mortgage Broker/Lender License MBL-2081025894; IL Residential Mortgage Licensee MB.6761115; IN-DFI Mortgage Lending License 43321; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; LA Residential Mortgage Lending License 1025894; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022702; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 21-2472; MT Mortgage Broker and Lender License 1025894; NE Mortgage Banker License 1025894; NV Exempt Company Registration 4830. Licensed by the NH Banking Department, Mortgage Banker License 19926-MB; Licensed by the NJ Banking and Insurance Department. NJ Residential Mortgage Lender License 1025894; NM Mortgage Loan Company License 1025894; NC Mortgage Lender License L-186305; ND Money Broker License MB103387; OH Residential Mortgage Lending Act Certificate of Registration RM.804535.000; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; PA Mortgage Lender License 72932; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SC BFI Mortgage Lender/Servicer License MLS-1025894; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; VA Mortgage Broker and Lender License, NMLS ID #1025894 (www.nmlsconsumeraccess.org); WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org

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EXCITING NEWS FOR HOME BUYERS!

Temporary Buydowns What is a temporary buydown?

A temporary buydown is a mortgage financing arrangement that provides home buyers with a lower interest rate and lower monthly payments for a specified period at the beginning of the loan. The temporary buydown program is typically funded by the seller or builder and does not involve any additional costs for the borrower.

3-2-1 Buydown

The 3-2-1 Buydown is a type of temporary buydown program that offers a payment based on an interest rate 3% lower for the year of the loan, 2% for the second year, and 1% for the third year.

EXAMPLE: Sale price: $275,000 | Down payment: $55,000 | Loan amount: $220,000 | 30-year fixed rate: 7.25% | APR 7.39%| P&I payment $1,500 | 360 monthly payments | Payment stated does not include taxes and insurance Payment interest rate

Standard payment

Temporary payment

Monthly subsidy

Number of payments

Annual savings

12

$6,277.80

2-1 Buydown

The 2-1 Buydown is another type of temporary buydown program that offers a payment based on an interest rate 2% lower for the first year of the loan and 1% for the second year. This program is similar to the 3-2-1 buydown but offers a shorter period of reduced interest rates.

4.250%

$1,875.98

$1,352.83

$523.15

Payment interest rate

Standard payment

Yr 2

5.250%

$1,875.98

$1,518.56

$357.42

12

$4,289.10

Yr 1

5.250%

$2,728.71

$2,208.81

$519.89

Yr 3

6.250%

$1,875.98

$1,693.22

$182.76

12

$2,193.15

Yr 2

6.250%

$2,728.71

$2,462.87

$265.84

7.250%

$1,875.98

N/A

N/A

324

N/A

Yr 3+

7.250%

$2,728.71

N/A

N/A

Buydown Cost = $12,760.05

Total Seller Credit with Discount = $17,649.55

Temporary payment

Buydown Cost = $9,428.72

Monthly subsidy

Number of payments

Annual savings

12

$6,238.68

12

$3,190.04

336

N/A

1-1 Buydown

1-0 Buydown

EXAMPLE: Sale price: $400,000 | Down payment: $80,000 | Loan amount: $320,000 | 30-year fixed rate: 7.25% | APR 7.359 | P&I payment $2,183 | 360 monthly payments | Payment stated does not include taxes and insurance

Standard payment

Temporary payment

Yr

6.250%

$4,093.06

$3,694.30

Yr 3+

Payment interest rate

7.250%

$4,093.06

N/A

Buydown Cost = $9,570.11

Monthly subsidy

The 1-0 Buydown is a temporary buydown program that offers a payment based on an interest rate 1% lower for the first year of the loan. This program is a simple version of the temporary buydown and is designed to reduce monthly payments during the first year of the loan.

Number of payments

Annual savings

Payment interest rate

Standard payment

Temporary payment

$398.75

24

$4,785.05

Yr 1

6.250%

$2,728.71

$2,462.87

N/A

336

N/A

Yr 2+

7.250%

$2,728.71

$2,462.87

Total Seller Credit with Discount = $9,570.11

Buydown Cost = $3,190.04

Fannie Mae / Freddie Mac

Perfect for the investor with a verifiable income source and less than 10 properties financed

DSCR - Debt Service Coverage Ratio

Great for a self-employed borrower or an experienced investor with more than 10 properties

Interest Only

Fantastic loan to get a property while it’s a buyers market

Bank Statement Loans

12 or 24 Months, personal or business bank statement loans available to verify income

Seller Concessions Available

Up to 3% Seller concessions available per transaction

Total Seller Credit with Discount = $16,540.72

EXAMPLE: Sale price: $600,000 | Down payment: $120,000 | Loan amount: $480,000 | 30-year fixed rate: 7.25% | APR 7.333 | P&I payment $3,275| 360 monthly payments | Payment stated does not include taxes and insurance

The 1-1 Buydown is a temporary buydown program that offers a payment based on an interest rate 1% lower for the first two years of the loan. This program is designed to help borrowers save on monthly payments during the initial years of the loan.

At Mutual of Omaha Mortgage, we work hard to help you grow your business of investment properties, creating a streamlined and user-friendly process. We get your Investment Loans closed on time and with ease!

EXAMPLE: Sale price: $400,000 | Down payment: $80,000 | Loan amount: $320,000 | 30-year fixed rate: 7.25% | APR 7.359| P&I payment $2,183| 360 monthly payments | Payment stated does not include taxes and insurance

Yr 4+

Yr 1

Investment Property Loans

Monthly subsidy

Number of payments

Annual savings

$265.84

12

$3,190.04

$265.84

348

$3,190.04

Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/ Broker/Servicer License 109250; Licensed by the Department of Financial Protection & Innovation under the CA Residential Mortgage Lending Act, License 4131356; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DE Lender License 028515; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; GA Mortgage Lender License/Registration 46648; HI Mortgage Loan Originator Company License HI-1025894; ID Mortgage Broker/ Lender License MBL-2081025894; IL Residential Mortgage Licensee MB.6761115; IN-DFI Mortgage Lending License 43321; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; LA Residential Mortgage Lending License 1025894; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022702; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 21-2472; MT Mortgage Broker and Lender License 1025894; NE Mortgage Banker License 1025894; NV Exempt Company Registration 4830. Licensed by the NH Banking Department, Mortgage Banker License 19926-MB; Licensed by the NJ Banking and Insurance Department. NJ Residential Mortgage Lender License 1025894; NM Mortgage Loan Company License 1025894; NC Mortgage Lender License L-186305; ND Money Broker License MB103387; OH Residential Mortgage Lending Act Certificate of Registration RM.804535.000; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; PA Mortgage Lender License 72932; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SC BFI Mortgage Lender/Servicer License MLS-1025894; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; VA Mortgage Broker and Lender License NMLS ID #1025894 (www.nmlsconsumeraccess.org); WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org

We have some incredible news that will make your home buying journey easier.

At Mutual of Omaha Mortgage, we are thrilled to introduce a program that will allow us to get you pre-approved for a home loan with only a soft pull of your credit. We call this program a Power Pre-Approval.

Power Pre-Approval Benefits:

How it works:

•

With this program, you can now access your credit results without worrying about any negative impact on your credit score. We understand how important your credit is, and we’ve eliminated any risk to ensure you can explore your options with peace of mind.

We have implemented a system that runs an Automated Underwriting System (AUS) with Fannie and Freddie using a soft credit pull. A soft pull won’t have any impact on your credit score.

This allows us to help you determine a home purchase budget, so you can feel secure when it comes time to make an offer.

•

Be fully pre-approved and underwrite your entire loan before you find a property. This allows you to present an offer that’s as good as cash or even better.

•

Streamline and expedite the mortgage process once you do find a home you wish to purchase.

Interest on the portion of the loan that exceeds the value of the dwelling, it is not tax deductible. Please consult a tax advisor.

Total Seller Credit with Discount = $10,302.04

Results are hypothetical and may not be accurate. This is not a commitment to lend or extend credit. The sample rates provided are for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. The payment example does not include assessments. Actual payment obligations may be greater and may vary. All loans are subject to credit approval. Rates and terms effective as of 03/27/2023 and subject to change. APR may vary. Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. For mortgage loans other than fixed loans, it is possible that the borrower’s payment may increase substantially after consummation. The disclosed fees are estimates. Actual closing costs and the portion paid by Seller may vary. The information contained is subject to change without notice.

Consult a financial professional for full details.

INTRODUCING POWER PRE-APPROVAL

Shannon Eney LETS CONNECT NMLS #102972 Vice President of Mortgage Lending seney@mutualmortgage.com Mobile: (206) 979-1876

Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Financial Protection & Innovation under the CA Residential Mortgage Lending Act, License 4131356; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DE Lender License 028515; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; GA Mortgage Lender License/Registration 46648; HI Mortgage Loan Originator Company License HI-1025894; ID Mortgage Broker/Lender License MBL-2081025894; IL Residential Mortgage Licensee MB.6761115; IN-DFI Mortgage Lending License 43321; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; LA Residential Mortgage Lending License 1025894; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022702; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 21-2472; MT Mortgage Broker and Lender License 1025894; NE Mortgage Banker License 1025894; NV Exempt Company Registration 4830. Licensed by the NH Banking Department, Mortgage Banker License 19926-MB; Licensed by the NJ Banking and Insurance Department. NJ Residential Mortgage Lender License 1025894; NM Mortgage Loan Company License 1025894; NC Mortgage Lender License L-186305; ND Money Broker License MB103387; OH Residential Mortgage Lending Act Certificate of Registration RM.804535.000; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; PA Mortgage Lender License 72932; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SC BFI Mortgage Lender/Servicer License MLS-1025894; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; VA Mortgage Broker and Lender License MLO-42562VA; WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org

First Name Last Name NMLS: #000000# #Title# Cell #000-000-0000# Office #000-000-0000# #Address# #State, Zip Code # #Email# | #Website#

Cobrand Logo Space

Call me today, and let’s work together to get a Power Pre-Approval for your next home purchase!

First Name Last Name NMLS: #000000# #Title# Cell #000-000-0000# Office #000-000-0000# #Address# #State, Zip Code # #Email# | #Website#

Synergy One Lending Inc. dba Mutual of Omaha Mortgage NMLS ID 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Dept of Business Oversight under the CA Residential Mortgage Lending Act, License 4131356; Loans made or arranged pursuant to a CA Finance Lender Law license, 60DBO93110; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; HI Mortgage Loan Originator Company License HI-1025894; IL Residential Mortgage Licensee MB.6761115; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022452; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 19-2472; MT Mortgage Broker and Lender License 1025894; NV Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department, Mortgage Banker License 19926-MB; Licensed by the New Jersey Banking and Insurance Department. NJ Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; North Dakota Money Broker License MB103387; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org

1160830571

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Operational Excellence Mutual of Omaha Mortgage offers a complete line of residential mortgages, refinancing and specialty loans.

We employ a knowledgeable staff of experienced mortgage bankers with an operations team that is second to none. By constantly updating our loan programs and pricing based on market patterns, Mutual of Omaha Mortgage ensures that we deliver extremely competitive rates combined with optimal mortgage structuring.

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Lending Solutions Competitive Fixed and Adjustable As a direct seller, we can offer extremely competitive pricing with minimal overlays on both fixed and adjustable rate mortgages.

Government Loans Mutual of Omaha Mortgage specializes in VA purchase and refinance (IRRRL) home loans as well as FHA and other government-backed loans. We also offer USDA loans for qualifying, targeted areas.

In-house Condo Project Approvals Full-service condo approvals made easy and done in-house help you earn more business and referral partners. Both conventional and FHA condo approvals are typically issued within 24 hours of receipt of condo docs.

Creative Solutions We offer a prequalification letter where buyers can be prequalified prior to finding and selecting a new home. If you need an out-of-the-box solution for a customer with unique qualifications, we offer multiple non-QM outlets and products to fit your customer’s need. We also offer a “Second Look Option” for customers who can’t qualify with their current lender.

Renovation Loans We offer renovation loan products which give borrowers the ability to create the perfect living space, from minor updates to more extensive remodeling projects to turn any house into their dream home.

High Balance For both purchase and refinance, Mutual of Omaha Mortgage is able to offer fairly priced High Balance loans nationwide.

BE AT YOUR BEST

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Our experienced operations and underwriting teams are dedicated to a common goal. We believe we accomplish much more when working with the sales team in a balanced manner to put and keep your borrowers in their homes.

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Speed Cures All We strive to maintain 24-hour turnaround times in underwriting, so we can provide you and your clients with quick responses and not waste time “waiting in line.” H4P are always prioritized and closing on time is our number one goal.

Delegated Jumbo Underwriting Mutual of Omaha Mortgage is delegated with multiple investors on jumbo products.

This allows us to keep the underwriting in house and control the process as we would with any other loan, thereby providing the same speed and quality of service on jumbo loans as we provide on all our other products.

Experienced Underwriting Our underwriting staff consists of 35+ underwriters, all of whom have over 10 years of underwriting experience.

Surround yourself with an authentic inclusive culture where you can grow and be at your best.

Lucas Curtolo SVP of National Operations

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Employee Benefits You get much more than a paycheck when you work for Mutual of Omaha.

Associates are eligible for benefits on the first of the month following 60 days of continuous employment.

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At Mutual of Omaha, we believe in taking good care of our employees.

You’ll enjoy a comprehensive range of benefits for all aspects of your life.

Medical

Employee Loan Program

With a network of top medical providers, our medical plans ensure you’ll receive the quality care you need — when and where you need it.

You’re eligible for discounted loan pricing and one flat underwriting fee of $500.

For more information, email employeeloans@mutualmortgage.com.

Pharmacy Prescription benefits are available if you enroll in the medical plan. The network includes both retail and specialty pharmacies, plus a home delivery option.

401(k) Benefits We match 50% of the first 8% of your contributions. Plus, you can choose from Roth or traditional 401(k) options.

Dental Our dental plan covers preventive services, basic services and major services.

Vision You can use vision insurance to help offset the costs of routine eye exams. It can also help you pay for corrective wear, such as eyeglasses.

Basic Life Insurance You’ll receive basic life insurance at no cost to you, equal to one times your annual pay, if you’re scheduled to work 30 hours or more a week (excluding temporary associates).

Supplemental Life Insurance You have the option to purchase $10,000 increments of supplemental life protection.

Employee Assistance Program (EAP) Certified EAP professionals provide free counseling to employees with personal or work-related problems, including stress management and addiction.

BE AT YOUR BEST

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Our Commitment At Mutual of Omaha Mortgage, we’re committed to honoring members of our military, both active duty and veterans. We created the Patriot’s Charity Initiative from our belief that one day a year is not enough to thank our veterans and active duty service members for defending the freedoms we enjoy every single day.

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Impacting Our Veteran Communities Giving back to our veterans and active duty service members is ingrained in the fiber of our company.

We know that the charities which we have partnered with will put our donations to good use in the veteran and active duty military communities. The Patriot’s Charity Initiative allows us to express our gratitude in a tangible and meaningful way each and every day.

Giving back to our military service men and women is ingrained in the fiber of Mutual of Omaha Mortgage.

Since our inception in 2015, we have donated over $4 million to various military and veteran organizations.

Here’s How It Works Every year, Mutual of Omaha Mortgage closes thousands of mortgage loans. From the income generated, we donate to the USO and other military focused organizations that are impactful to our veteran communities. The program allows us to bring awareness to these great organizations and help to support their causes. These charitable organizations provide the crucial support to those veterans and active duty military men and women who need it most. At Mutual of Omaha Mortgage, we’re honored to help our nation’s veterans and active duty military, one loan at a time.

What Are the Charities?

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Being at Your Best At Mutual of Omaha, we accept you for who you are. We want you to become engaged, feel a sense of belonging and contribute to the company’s exceptional future.

We also strive to provide flexibility for our associates to find balance in work and life — so we can all be at our best for our clients, ourselves and each other.

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We’re here to help you grow your business with competitive product and service solutions that meet your today’s consumer needs.

Your success is our priority.

Why Us? Our entire organization is centered around delivering the right products to your customers, on-time and with everyone aware of where we are in the process. As an experienced team of mortgage professionals, we can promise that our team will guide your customers and stay involved until closing and beyond.

What We Do As a full-service mortgage lender, we have the solution for nearly every mortgage need. Our portfolio of home financing options includes fixed and adjustable rate loans, FHA, VA, USDA, jumbo loans and refinancing programs.

Along with our products, we offer competitive rates, a streamlined process and local underwriting and processing support — all focused on helping loan originators efficiently serve the needs of customers.

Contact Us We’re here for you. Have a question or idea?

Call [000-000-0000] or email [name@mutualofomahamortgage].

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Let’s Work Together to Help Grow Your Business!

Every relationship begins with trust, just as every conversation begins with listening. So, when your clients talk to you about their financial futures, it’s because they trust you and you listen.

Just as we have done for more than a century.

For you, this means that we can offer you the support you need to be successful. With direct access to processors and underwriters, your needs can be met in record times.

Looking to save time on the mortgage process with your future borrowers and referral partners? Take advantage of our digital tools, including electronic applications and verification of assets via our mobile app.

To better serve the evolving needs of your clients, we continue to adapt to the new landscape, building on our complete product portfolio, maximizing efficiencies and understanding client needs. While it’s true that innovation and growth are our hallmarks, we’ve never forgotten what’s most important — our customers.

And for you, this means a carrier committed to earning your trust and your business.

We exist for our customers and make decisions with their best interests in mind. We’re committed to delivering the strength, stability and solutions your clients need and the service after the sale they deserve.

Sincerely, Chris Leyden Chief Operating Officer

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Mutual of Omaha Mortgage, Inc. dba Mutual of Omaha Reverse Mortgage, NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. Alabama Consumer Credit License 22123; Alaska Broker/Lender License AK1025894. Arizona Mortgage Banker License 0926603; Arkansas Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, License 4131356; Colorado Mortgage Registration 1025894; Connecticut Mortgage Lender License ML-1025894; Delaware Lender License 028515; District of Columbia Mortgage Dual Authority License MLB1025894; Florida Mortgage Lender Servicer License MLD1827; Georgia Mortgage Lender License/Registration 46648; Hawaii Mortgage Loan Originator Company License HI-1025894; Idaho Mortgage Broker/Lender License MBL2081025894; Illinois Residential Mortgage Licensee MB.6761115; Indiana-DFI Mortgage Lending License 43321; Iowa Mortgage Banker License 2019-0119; Kansas Mortgage Company License MC.0025612; Kentucky Mortgage Company License MC707287; Louisiana Residential Mortgage Lending License 1025894; Maine Supervised Lender License 1025894; Maryland Mortgage Lender License 21678; Massachusetts Mortgage Broker and Lender License MC1025894; Michigan 1st Mortgage Broker/Lender/Servicer Registrant FR0022702; Minnesota Residential Mortgage Originator Exemption MN-OX-1025894; Mississippi Mortgage Lender 1025894; Missouri Mortgage Company License 21-2472; Montana Mortgage Broker and Lender License 1025894; Nebraska Mortgage Banker License 1025894; Nevada Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department, Mortgage Banker License 19926-MB; Licensed by the New Jersey Banking and Insurance Department. New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; North Carolina Mortgage Lender License L-186305; North Dakota Money Broker License MB103387; Ohio Residential Mortgage Lending Act Certificate of Registration RM.804535.000; Oklahoma Mortgage Lender License ML012498; Oregon Mortgage Lending License ML- 5208; Pennsylvania Mortgage Lender License 72932; Rhode Island Lender License 20163229LL. Rhode Island Loan Broker License 20163230LB; South Carolina BFI Mortgage Lender/Servicer License MLS-1025894; South Dakota Mortgage Lender License ML.05253; Tennessee Mortgage License 190182; Texas Mortgage Banker Registration 1025894; Utah Mortgage Entity License 8928021; Vermont Lender License 6891; Virginia Mortgage Broker and Lender License, NMLS ID #1025894 (www.nmlsconsumeraccess.org); Washington Consumer Loan Company License CL-1025894; Wisconsin Mortgage Banker License 1025894BA; Wyoming Mortgage Lender/Broker License 3488. (866) 200-3210. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org