Jim Steel - Kari

Kari Grafstrom,

Thank you for considering New American Funding as your next home.

Attached you will find all the amazing and incredible things NAF can do not only for you as a Loan Consultant, but for your referral partners and for your clients. Commitment to great service is our passion and we strive to provide the highest level of customer service in the industry. We recognize that your success is our success and we hope you see that throughout this presentation. We will support you at every turn - from customized marketing to regionalized operations, we provide everything you need to create a smooth process and successful outcome for your clients.

Customers may be shopping for price but they’ll leave remembering the process. In the financial lives of many of our customers, nothing is more important than homeownership. We are privileged to have the opportunity to participate in this process.

Please consider this your invitation to join our winning team at New American Funding!

Jim Steel Jim Steel Regional Manager

ALL

About Us

NAF 360

We live by the values of our NAF 360 company culture. We work hard, but never forget to treat and support one another like family. We team up with our coworkers to participate in charity drives, fun challenges and competitions. We remember to say thank you to those that help us every day, and offer a helping hand to someone new.

BETTER BUSINESS BUREAU PACIFIC SOUTHWEST

Family-owned, New American Funding is an independent mortgage lender headquartered in Orange County, California, that is dedicated to helping other families and individuals improve their quality of living through home ownership. In 2003, founders Rick and Patty Arvielo combined their expertise to create a progressive business that quickly grew from a 40-employee call center into a national mortgage banker and industry powerhouse.

Leveraging technology and streamlined operations, they created a lending process that became highly efficient. Rick used his technical aptitude to design the New American Funding business model around time saving software, while Patty provided crucial insight from her extensive mortgage background that ultimately brought the entire loan process in-house.

Our

Story

Her hands-on cultivation of a top-producing sales force that shared her passion for the community and her drive to succeed enabled the company to achieve industry-leading loan closing times. Rick continued New American Funding’s forward momentum by capitalizing on his expansive marketing knowledge to spearhead the development of a state-of-the-art marketing division and a full in-house production studio where cutting-edge video content is routinely created.

The company is a Fannie Mae, Freddie Mac, and Ginnie Mae direct lender, seller, and servicer that operates its own builder and real estate based lending divisions, as well as a large loan-servicing unit. The company has achieved tremendous business success in a short time frame, and believes their family-like culture that emphasizes teamwork, unity, and fun is what sets them apart.

ALL

About the Great Lakes Gulf Coast

GLGC The Great Lakes Gulf Coast Region is a company all on it’s own. New American Funding understands that no two markets are the same. We are able to provide Loan Officers with their own local support staff that can maneuver the state you are in. We are backed and supported by the amazing family-owned lender that operates in California, but get the privilege of operating in the Great Lakes- Gulf Coast like your clients do. We call that a WIN-WIN!

Our

Relationship Builders ELLY CUMMINGS

YOU

SENIOR VICE PRESIDENT

Elly is our fearless GLGC leader. She is the glue that holds all departments together and supports the team on a daily basis. From ops to sales...she has done it all!

Jim Steel

Rachael Clark

MARKETING MANAGER

REGIONAL MANAGER

JIM STEEL

REGIONAL MANAGER

You want to know what goes on behind the scenes to make sure every Loan Officer is taken care of? Step inside Jim’s office and he will walk you though a day in his life!

RACHAEL CLARK

MARKETING MANAGER

You want it? We got it! From social media management to custom presentations - your GLGC Marketing team can make it happen.

YOUR

Elly Cummings

HomeTEAM

SENIOR VICE PRESIDENT

Your Home Team LOCAL SUPPORT

BUSINESS DEVELOPMENT | PRICING SCENARIOS LEAD GENERATION | COACHING | RECRUITING DEAL STRUCTURE SUPPORT | MARKETING

Your

Home Team Jim Steel

REGIONAL MANAGER Jim is your go to guy when you don’t even know where to start or where to go. He has been in the business for so many years we have honestly lost count, but you can count on him to support you every single day!

Shane Kvidera

LOA/ ONBOARDING SPECIALIST

Transitions are hard... but if you make friends with Shane they suddenly become easy. He helps you transition your pipe and learn all our little NAF nuances to make sure you are up to speed ASAP.

Bjorn Burnevik

SALES MANAGER Bjorn will work with you to enhance your current referral relationships along with helping you develop new relationships. His goal will be to help you expand your business to infinity & be-

yond! And trust us.... he WILL make it happen!

Holly Stillday

ASSISTANT PROCESSING MANAGER Location, location, location. Holly’s location is PRIME. She is located in your home branch so she can ensure your loans are processed accurately and efficiently. We recommend bringing her candy to keep on her “good side.”

GLGC SUPPORT Processing and underwriting, is all done under our GLGC roof, which means better control of the service experience.

Our team provides efficient turn-times and embodies excellent communication skills.

Ingrid Peterson

PROCESSING MANAGER

Ingrid heards cats... well not really, but I am sure it feels like that some days! Ingrid ensures all loans her team process are done accurately and efficiently all while being interrupted on a semi-constant basis.

Zach Reimringer FUNDING MANAGER

I would make Zach your best friend ASAP. He is in charge of making sure loans fund accurately and on-time. Sometimes we don’t know what things he does in the back end to make this happen, but we are so thankful he does!

Tyler Peterson

AREA PRODUCTION MANAGER

Your

Local Operations

SPECIALIZED SUPPORT THAT UNDERSTANDS THE LOCAL MARKET, PRODUCTS AND BORROWERS!

We would actually like to rename Tyler and Randy to... “Area Production NINJAS”. I’m sure HR wouldn’t mind. Having two APMs on staff for the GLGC region changes the loan pipeline game they are completely dedicated to our Loan Officers and “efficiency” is their middle name.

Randy Hammer

AREA PRODUCTION MANAGER

Ditto to Tyler.

APM ROLE: Centralized support for loan level escalation: • Loan structuring and qualification support • Credit challenge escalations • Prioritization and rushes for processing, underwriting and doc drawing Dedicated pipeline management for timeliness, closing dates and lock periods. Transaction and pipeline management required by local markets.

TEAMWORK MAKES THE DREAM WORK!

Our

Marketing Account Executives Our Marketing Account Executives are all a part of our GLGC Marketing Team. They are here to support your marketing efforts to past, current and prospective clients and referral partners as well as act as an extension of you with your Realtors. Your Marketing Account Executives can meet with Realtors to teach and train them how to better market themselves and grow their business through co-branding. This ensures you keep and build stronger relationships with your referral partners.

Your Marketing AE is there to help you look good, to take care of the details, provide you with innovative and exciting ideas on a daily basis. They will help you brand your mortgage business and take it to the next level with their professional marketing skills.

Anything you can dream of - a NAF Marketing AE will be able to create! You can trust your MAE to take the marketing wheel - so you can focus on what you do best: closing deals.

Our

Personalized Marketing

CO-BRAND

CREATE

Your Marketing AE can co-brand you on just about anything - from Single Property Websites to Rate Plug Flyers. These pieces are completely customizable and made from scratch.

Your Marketing AE will help organize and coordinate events, promotions, mailings and various marketing campaigns AND create custom flyers, booklets and brochures that make YOU look good.

SOCIAL MEDIA

CRM

Hand your social media keys over.

Your Marketing AE will be able to create & execute a custom social media strategy that not only gets people talking, but also generates leads. New graphics are ALWAYS in your inbox!

Your Marketing AE is an expert at our proprietary CRM that syncs with Encompass. They will help you set up milestone updates, customize the 7-year post close campaign, blast out email and so much more!

Focusing on technology and innovating tools for our loan officers and real estate partners to serve Millennials is a result of long-term planning, Creating a business model that promotes loan officers and their personal brand, rather than corporate, is the approach we believe is best for serving consumers and for our loan officers/partners. - Rick Arvielo, CEO

Our

Co-Branding

DRIP CAMPAIGNS & MILESTONE EMAILS

Professionally designed, drip campaigns and co-branded milestone e-mails are sent to your buyers at each of the stages in the loan process!

CO-BRANDED MORTGAGE STATEMENTS

POST CLOSE Keep the conversation going with beautiful greeting cards and drip emails.

Hope you have a great Birthday!

Hope you find time lots of time to relax!

CO-BRANDED CLOSING Our new closing card features a fold-out contact card displaying Loan Officer and real estate partner contact information.

Our

Marketing Platform

Personalize and co-brand marketing materials in seconds withPersonalize our and comprehensive marketing portal. co-brand marketing materials in seconds with our state of the art marketing portal.

Just a click of a button and “wah-la”!

Or just ask your GLGC Marketing Team and they can customize it for you!

All of our Loan Officers are equipped with personalized customizable websites , featuring a direct link to a 1003 form. LO’s can showcase testimonials, blogs and so much more!

Our

Videographer Grow your business with cutting edge marketing with our in-house Videographer and Video Editor. They have the ability to produce and edit videos created JUST for you and your team.

Our

Mobile Apps GoGo LO Giving Loan Officers quick access to their pipeline and office resources. It allows LOs to provide real estate partners and clients with their own mobile apps, GoGo Partner & GoGo Home.

GoGo Partner Provide your real estate partners with open house marketing materials, single property websites, etc. It also allows Realtors the ability to track the progress of the loan and their client’s home search.

GoGo Home Give your clients the ultimate home shopping app where they can shop for their dream home, get pre-approved, and easily get in contact with you. You can also see what they are searching for!

Your

Online Reputation & Reviews AUTOMATICALLY SHARE POSITIVE REVIEWS WITH SOCIAL SURVEY We know how important your online reputation is - so we help you gain the trust of potential clients by sharing your past client’s positive experiences. All positive reviews are automatically posted on your personal NAF website and your personal and/or branch social media pages - helping you stand apart from your competition!

New

American Approved YOUR APPROVAL IS FULLY UNDERWRITTEN UP-FRONT. New American Funding is committed to providing clients with a confident home buying process.

The underwriting process is completed up front to eliminate surprises at the end. That means in as little as 3 days you will know exactly how much you are approved for.

YOUR OFFER IS BACKED BY AN ON-TIME CLOSING GUARANTEE*.

If we are unable to close your purchase on or before your scheduled closing date, we will pay your first mortgage payment up to $1,500 P&I and the seller of the property will also be paid $2,500. See program disclosure for a complete list of terms and conditions. *

Your

Client Connect Program

CONNECTING YOU TO THE FUTURE OF MORTGAGE REAL-TIME CONNECTIVITY YOU CAN OPT TO RECEIVE LIVE TRANSFERRED BORROWERS DIRECTLY TO YOUR PHONE AS A POTENTIAL LAYER OF BUSINESS. TARGETED LEAD GENERATION GEOFENCING - CONNECTING YOU TO LOCAL LEADS FOR EASIER CONVERSIONS CREATES NEW OPPORTUNITIES BUSINESS YOU’RE NOT GOING TO GET FROM YOUR REALTOR PARTNERS

92%

OF HOMEBUYERS DO ONLINE RESEARCH FIRST.

Active

in the Community

WE ARE THE LEADER IN LENDING TO THE LATINO COMMUNITY

28%

OF OUR WORKFORCE IS LATINO.

23%

OF OUR BUSINESS IS DEVOTED TO HISPANIC BORROWERS.

In 2013, we announced the formation of Latino Focus with the mission to identify and address challenges Hispanic Consumers face in their pursuit of homeownership while enhancing the quality of their lending experience.

The New American Dream initiative, est. 2017, seeks to raise awareness and increase homeownership in AfricanAmerican communities by building consumer confidence fueled by home buying education and accessibility to relevant loan programs.

Our

People

AT NEW AMERICAN FUNDING, WE BELIEVE IN ENJOYING EACH OTHER’S COMPANY WHILE WORKING HARD TO ACCOMPLISH EXTRAORDINARY RESULTS.

214

BRANCHES IN 48 STATES

48

2,900

STATES WE FUND LOANS IN

OVER

AMAZING EMPLOYEES

NAF BRANCHES GLGC BRANCHES

Our

Places

Our

Branch Statistics

17 DAYS

AVERAGE TIME FROM PURCHASE TO CLOSE

86

PERCENT

AVERAGE LO PRODUCTIVITY GROWTH YEAR/YEAR

WE CLOSE

FA ST E R

Our

“It is easy to point to the reason why New American Funding was my choice to build my brand and business. Culture. Culture is the DNA of a community and or business. NAF has put their attention on building the right culture where young Loan Consultants, like myself, can become better professionals and more importantly, better leaders.

That’s the ‘NAF difference.’”

Cid Fernandez Cid Fernandez Loan Consultant

Loan Officer's Take

“I came from a company that did not have the support or resources that I needed to grow my business and be successful as a LO. I knew exactly what I wanted when I was vetting new companies and I was not willing to waiver on those things. New American Funding checked all of the boxes that I was looking for.”

“After many years in the mortgage industry, I finally found a place that ensures the mortgage process is a great experience for everyone and follows through every step of the way. New American Funding also provides me the flexibility to work from my cell phone using the GoGo LO app as I am always on the go. In the end, New American Funding creates an environment to grow and succeed every day with their amazing systems and support.”

Olivia Eggen

Damon Mason

Olivia Eggen Loan Consultant

Damon Mason Loan Consultant

Join New American Funding and be a part of a mortgage family.

At New American Funding we put our people first. We take care of each other.

We offer incredible support - not just to our clients and referral partners, but to those in our communities and everyone that works inside the NAF walls.

We want you to be a part of our GLGC family.

We want you to grow your business with our hardworking team, innovative tools and niche product options.

We want you to succeed at New American Funding - we will support you every step of the way.

We want you to have a healthy work life balance and thrive in our culture.

Best Regards,

Elly Cummings Elly Cummings Senior Vice President