Mutual of Omaha Mortgage Recruiting Booklet

Join the Mutual of Omaha Mortgage Team We Know How To Grow Your Business

History Of Mutual Of Omaha

Turn back time…

1909 – Six Omaha businessmen took out a charter to launch a health insurance company.

In less than a year, the company floundered and they convinced Dr. C.C. Criss to buy the charter.

Criss and his wife, Mabel turned around Mutual Benefit. Within two decades of its founding, Mutual of Omaha was the largest company of its kind in the world.

Wild Kingdom was a new foray into sponsorship created by producer Don Meier and V.J. Skutt.

On top of building brand awareness, it was also a revolutionary marketing platform marrying the show with agent follow ups.

Agents would go door to door Monday morning asking “did you see the show about the python last night?”

Honest

Optimistic

Devoted to its customers

110 years of doing what’s right

Integrity Compassionate

Approachable Hometown Values

Our Mission

Our Vision

To serve as a trusted guide that helps our customers confidently achieve their mortgage goals.

For every customer, a financial future imagined, planned and secured.

Our Values Customer Focus • We care for, respect and listen to our customers, and always act in their best interest.

• We understand our customers’ individual needs and deliver truly personal solutions.

Integrity • We honor our customers’ trust by doing what is right, delivering on our promises and fulfilling our commitments.

• We adhere to the highest ethical standards, complying with regulatory requirements and company policies.

Innovation • We monitor industry developments and technology, pursuing opportunities to simplify and streamline our operation, and offering products and services created to meet the specific needs of our customers • We value learning, development and growth

Accountability • We take ownership for results and responsibility for our actions and the actions of our team.

• We have a can do attitude and a passion for success.

Collaboration • Working together as a team, we collaborate for the greater good of the customer and the organization.

• We trust and support one another, respecting the value, unique strengths and differences in all people.

National Coverage In the past few years, Mutual of Omaha Mortgage has experienced tremendous growth in terms of the number of team members and the number of physical locations.

Hawaii

Technology • Mutual of Omaha Mortgage App • Mortgage Coach • Total Expert

• Velocify • Optimal Blue • Sales Vault

• Knowledge Center • Encompass • Studio in the box

Technology and DVA The Digital Verification of Assets now pulls only the previous 60 days for your client when using this tool through Mutual of Omaha Mortgage mobile app.

Benefits for Using Digital Verification of Assets • No paper chase. Radically reduce the number of email exchanges, phone calls and time delays.

• No second requests. A digital report allows you to pull updated information from multiple institutions at the click of a button throughout the origination process.

Faster. With digital verifications come with bank validated data. There’s no altering or editing of documents.

• Data security. The reality is sending statements via mail, email, or fax, is riskier than permissioning access to share data online.

• Give Consumers what they want!

Step 01

Step 02

Step 03

Make them aware they’ll go through an online verification process. Discuss with them the various accounts they might want to include.

They’ll start from a link in an email or in the PoS.

They’ll launch the online process where they’ll securely login to their financial institution(s). Remind them to have their credentials ready for each financial institution. Suggest they login to their financial institution(s) beforehand to verify their credentials.

Next, they’ll select which accounts to include from one or more financial institutions. They’ll review the selected accounts and when finished click submit.

Mutual of Omaha Mortgage Mobile App

One-Stop Tools for You and Your Clients Take the mortgage process with you.

The Mutual of Omaha Mortgage App makes it easy to check on your clients’ loans

Instantly view the status of your clients’ mortgages

Upload secure documents from anywhere

Easily share the app with your clients

Close faster with all the tools you and your clients need

Enjoy an improved loan experience

One-Stop Tools for You and Your Clients 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

Easy to Share

The app is ready with Mutual of Omaha Mortgage branding. You and your clients will have loan officer contact information available every time you use the app.

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.

Loaded with Tools

Check the Status

Home search, testimonials, reviews and other tools are available to your clients in one place. All the tools they’ll need simplified.

Instantly view the status of your clients’ loans, making it easier for you to be part of the entire process.

Our List Of Products Fannie & Freddie

Government Loans

As a direct seller, we can offer extremely competitive pricing with minimal overlays on both Fixed and Adjustable Rate Mortgages.

Mutual of Omaha Mortgage specializes in VA purchase and refinance (IRRRL) home loans, as well as FHA and other government-backed loans.

High Balance

Extended Lock Periods For New Build

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

Do you have a home builder relationship? Mutual of Omaha Mortgage has the ability to lock a loan above and beyond the traditional lock periods for your Home Builder relationships.

Jumbo Delegated Mutual of Omaha Mortgage has the ability to approve jumbo loans in-house. We can avoid delays in turn times and reduce any back-and-forth with our investors.

Non-QM Need a Out-Of-The-Box loan for a borrower? We offer multiple Non-QM outlets and products to fit your clientele.

Lock and Shop

Down Payment Assistance Programs

Lock your pre-approved borrowers for up to 90 days while they shop for their new home! You deliver rate protection for climbing rates, a float down option in case rates fall, and peace of mind for borrowers and Realtor partners.

Down Payment Grant and Silent Second loans available in all markets nationwide. Deliver a wide variety of options for funding borrower’s required down payment and closing costs.

Second Loans

Renovation/Construction

Piggyback financing options for borrowers to avoid MI, preserve a conforming loan amount, and provide more funding flexibility. Home Equity Line of Credit (HELOCS) and Closed end 2nd loans with terms up to 30 years!

From purchasing or refinancing a home in need of repairs to building from scratch, Mutual of Omaha Mortgage offers many Renovation products: FHA 203K, Fannie Mae HomeStyle and construction loans.

Marketing Tool SalesVault

Overview Sales Vault is your one-stop shop for all your marketing needs. The user-friendly interface makes marketing a breeze, whether you prefer print or digital marketing. Sales Vault holds branded pieces that allow you to customize with your contact information and are ready for you to download immediately. We make sure that you have marketing collateral that you’ll be proud to hand off to a borrow or realtor contact.

Marketing Library Social Media

Print What?

What?

Who?

Who?

For consumers or business contacts.

For followers or business contacts.

How?

How?

Download digitally or send to print.

Send immediately or schedule to send.

Graphics, Post, Campaigns, Cover Images

Flyers, brochures, posters, greeting cards.

Store

Email What?

What?

Who?

Who?

For consumers or business contacts.

For consumers, business contacts or yourself!

How?

How?

Send immediately or schedule to send.

Put in an order; It will ship from Omaha, NE.

email templates products, holidays.

Branded swag, from pens to apparel

Print Library Consumer Flyers Several flyers are available for use during your customer conversations. These are available to customize and print through SalesVault. These flyers focus on who Mutual of Omaha Mortgage is, a customizable biography flyer, a closing cost coupon, highlights our conventional and jumbo products, a document checklist, why choose Mutual of Omaha Mortgage, and our vision mission and values

Business Flyers Various business audience focused flyers are available to customize and print on demand. These flyers focus on our product offerings, creating a customizable biography, promoting yourself at an event.

Sales Vault Print Library Platform

Sales Vault Print Library Platform

Social Media Library Various social media components are available as a set and go marketing initiative. These posts are available in Facebook, LinkedIn and Twitter. Simply login to SalesVault, set the date and time you want it to publish and upon submission – will be distributed to your social media outlets.

Sales Vault Social Media Library Platform

Sales Vault Social Media Library Platform

Email Library A variety of special occasion e-mails are available in SalesVault to have delivered to your SalesForce distribution list of past and current customers and business partners.

Sales Vault Email Library Platform

Sales Vault Email Library Platform

Mutual of Omaha Mortgage Social Media Pages Facebook

LinkedIn

facebook.com/mutualmortgage

linkedin.com/company/mutualof-omaha-mortgage/

Twitter

Instagram

@MutualMortgage

@mutualofomahamortgage

Mutual of Omaha Mortgage Facebook Page

Mutual of Omaha Mortgage Facebook Post

Mutual of Omaha Mortgage Twitter Page

Mutual of Omaha Mortgage Twitter Post

Mutual of Omaha Mortgage Social Survey Page

Mutual of Omaha Mortgage LinkedIn Page

Mutual of Omaha Mortgage LinkedIn Post

Benefit Information Health Benefits Associates are eligible for benefits the first of the month following 60 days of employment.

Medical: Our Medical Plans are through AETNA and United Healthcare. We offer the following plans: * Amounts are for Individual Coverage • AETNA PPO 750: $3,250 out of pocket max, $750 deductible, 15% coinsurance for basic services • AETNA PPO 1750: $5,250 out of pocket max, $1750 deductible, 15% coinsurance for basic services • UHC HMO Signature Value: (CA Only) $1,500 out of pocket max, $0 deductible, $25 Copay for PCP visits.

• UHC HMO Advantage: (CA Only) $3,000 out of pocket max, $0 deductible, $20 Copay for PCP visits.

• HSA Plan: Paired with High Deductible Health Plan. $3000 deductible.

Dental: Our Dental Plans are offered through United Healthcare (UHC) • PPO: Covers 100% of Diagnostic/Preventative/Basic Care (After $50 deductible), 40% Major Services • Our HMO Plan (CA Only) has copays ranging from $0 to $359 dollars depending on the services provided.

Vision: Our Vision Plans are through United Healthcare • $10 Copay for exam every 12 months, $25 copay for lenses every 12 months, $130 allowance for frames every 24 months.

Basic Life Insurance: Offered through Mutual of Omaha Insurance • All associates are covered for by the Company for $20,000 of company paid Basic Life and AD&D.

Supplemental Life Insurance: Offered through Mutual of Omaha Insurance • Associates have the option to purchase Supplemental Life Insurance, in increments of $10,000 • Short and Long Term Disability, Accident, and Critical Illness options available FSA’s: We offer Health, Dependent Care and Transit FSA. Employee Assistance Program – no cost to employees

401K Benefits Provider: Our 401K Provider is ADP. Mutual of Omaha Mortgage offers both traditional and Roth 401K options.

Contribution Waiting Period: Eligible to contribute into the plan following 90 days of employment.

Company Contribution: Mutual of Omaha Mortgage matches 50% of the first 8% of associate contributions.

Contribution Limits: We do not limit contribution into the 401K account. Please note IRS limits still apply (2019 limit is $19,000) Vesting Schedule: Four year vesting schedule for Employer Contributions, 25% per year of employment.

Email benefits@s1lending.com with any questions regarding either benefits or 401K. *This flyer is for information purpose only. Mutual of Omaha Mortgage reserves the right to make changes to Health and 401k benefits, as allowed by law, with or without prior notice.

Our People Our company is made up of individuals who care about what they do and how they can provide their clients with the best service.

Jeffrey Gennarelli Athletics have always been important to me. From a young age I found myself captain of nearly any team I played on. In college I was an All American 1st Division Track and Field Record Breaker—and still hold a record today. I attended a smaller school—Eastern Illinois University. We often found ourselves competing (and winning) against much larger universities such as UCLA, the University of Texas, and many others.

Today I channel that spirit of competition into leading a company that works just as hard at competing against much larger financial institutions. We win by providing a superior customer experience: flexible lending solutions, delivering our communications with the highest degree of professionalism from the entire team, extreme clarity and no surprises.

Chris Leyden | Chief Operating Officer Christine Leyden is the Chief Operating Officer of Synergy One Lending, Inc/ Mutual of Omaha Mortgage.

She is responsible for the leadership and strategic execution of overall credit administration (credit, risk, underwriting, processing, closing, post-closing, compliance). Chris has over 25 years of residential lending experience, 15 of those in a highly regulated banking environment. Prior to joining Synergy One/ Mutual of Omaha Mortgage, Chris was a founding member of BBMC Mortgage and played a key role in building a company from the ground up based upon principals of creating a superior customer experience.

Our Commitment At Mutual of Omaha Mortgage we are committed to honoring members of our military, both active duty and veterans. We have launched three programs as our way of saying thank you to all of the men and women for their commitment, bravery and sacrifices for our country.

Patriot’s Charity Initiative Mutual of Omaha Mortgage donates $125 to one of four veteran’s charities for each closed loan. This initiative brings awareness to these great organizations as well as provides crucial financial support.

What Does Your Client Have To Do? At closing, your client will receive a form where they can select from one of the four charities in which we have partnered. Mutual of Omaha Mortgage will donate $125 to the selected charity for each closed loan. We have found this helps bring awareness to these great foundations as well as providing crucial support.

Please note: This donation is not tax deductible for the customers benefit.

What Are The Charities?

The USO’s mission is to enhance the quality of life of the U.S. Armed Forces personnel and their families and to create a cooperative relationship between U.S. military communities and involved or supporting civilian communities.

The Mission Continues serves as a framework for United States military veterans to redeploy in community service tackling issues ranging from ending chronic homelessness to eradicating child hunger.

The Headstrong Project provides cost-free, stigmafree, and bureaucracy free mental healthcare to Iraq and Afghanistan veterans via partnership with Weill Cornell Medical College.

The fourth charity will rotate every few months. Branch managers at each Mutual of Omaha Mortgage location will have the opportunity to select a local Veteran Service Organization to be the beneficiary of our client-directed donations.

mutualmortgage.com Synergy One Lending, Inc. dba Mutual of Omaha Mortgage, NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108.

Subject to Credit Approval. Alabama Consumer Credit License #22123; Arizona Mortgage Banker License 0926603; Arkansas Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; District of Columbia Mortgage Dual Authority License MLB1025894; Hawaii Mortgage Loan Originator Company License #HI-1025894; Illinois Residential Mortgage Licensee #MB.6761115; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Minnesota Residential Mortgage Originator Exemption #MN-OX-1025894; Nevada Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department 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; Oregon Mortgage Lending License ML- 5208; Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB; Vermont Lender License 6891. Washington Consumer Loan Company License CL-1025894. Toll Free #: (877) 978-1922.