Guardian Mortgage - Operations Recruiting Brochure

GUARDIAN MORTGAGE Welcome Home Grow With Guardian - Maximize Your Potential

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Table of Contents Welcome to Guardian Mortgage

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Our Values

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The Guardian Advantage

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Benefits Built For You

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Loan Product Listing

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Product Guide

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Where We Lend

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What Our Originators Say

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Customer Reviews

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Grow With Guardian - Maximize Your Potential

Whether you’re looking for great people from your support team or an outstanding corporate culture, Guardian Mortgage is right for you!

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WELCOME

GUARDIAN MORTGAGE!

We are proud to have a culture of collaboration built around support, technology, and a relationship-first philosophy. Our unique mortgage programs and products separate us from other mortgage lenders and allow you to find the best solutions for your clients.

When you join Guardian Mortgage, you join Sunflower Bank. As a part of the Sunflower team, you gain the benefits of an established $7.7 billion bank, paired with our culture of a boutique mortgage lender. Today, we lend in 44 states and have helped over a million homeowners realize their dreams of homeownership. So, no matter where life takes your customer or what real estate dreams they may have, chances are you can take care of their mortgage needs.

We put our clients first to ensure their needs are met. Staying true to our community bank roots, we care about the people we interact with and the family-like relationships we form.

Our philosophy is simple: we believe in creating possibility in the lives we touch and the communities we serve.

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Grow With Guardian - Maximize Your Potential

ABOUT US:

1965

44 STATES

MILLIONS

$7.7 BILLION

IN BANK ASSETS*

WHY GUARDIAN MORTGAGE:

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*As of 9/30/2023 5

OUR VALUES Guardian Mortgage has a culture of collaboration and is built around support, technology and a relationship-first philosophy.

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OUR MISSION

OUR FOCUS

• Bringing out the best in the lives we touch … Creating Possibility

• Work together as a team to be our clients’ most important mortgage provider

• Partnering with our customers to provide the right solutions to help them reach their greatest ambitions

• Make this the best place our colleagues have worked

OUR CORE BELIEFS

OUR CUSTOMER PROMISE

• Community banking is built on relationships • Collaborate internally, compete externally

• Find the best solutions for our clients' financial health • Maintain a broad array of products and services • Work hand-in-hand with our clients

OUR FOUNDATION

WE ARE BUILT ON

• Individual and collective accountability

• History of financial strength

• Customer experience stays front & center

• Quick decision-making

• Continuous improvement

• Shared resources for quick resolutions

• Collaboration to optimize decision-making

• Commitment to community banking

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THE GUARDIAN ADVANTAGE VALUE PROPOSITION ORIGINATION: Agency Direct Seller/Servicer with Very Few Overlays Utilizes FNMA’s Day 1 Certainty Technology Strong Technology Platform Including Online Application Process Not Subject to Warehouse Line Limitations Multi-State Lending In-House Long-Term Rate Locks In-House No MI Loan Programs Full Array of Loan Programs Up to $3.5MM In-House Comprehensive Portfolio Loan Programs In-House Builder Incentive Programs In-House Non-warrantable Condo Products In-House Fixed Rate Seconds Program Full Array of Renovation Lending Programs In-House One-Time Closed Loan Program In-House CRA Loan Programs In-House Dedicated Marketing Team Point and Click Marketing System to Create Brochures and Open House Flyers

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VALUE PROPOSITION OPERATIONS: Average Origination to Closing Turn Time – Less Than 28 - 30 Days, Consistently In-House Underwriting Scenario Desk Managed to Aggressive SLAs In-House Condo Approvals CD’s Out Well in Advance of Closing Ability to Accept Credit Cards for Appraisals Appraisal Management Desk with Approved Appraiser Roster and AMCs

SERVICING: Retained Servicing In-House Servicing Dept.

Refers Prior Customers Back to LO’s MLO’s Information on Monthly Servicing Statements Borrower’s Ability to Recast Their Loan Portfolio Defense Program

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BENEFITS

BUILT FOR YOU

At Guardian Mortgage, we are committed to helping our associates succeed and thrive.

Not only do we focus on their career growth and development, we also offer a rewarding benefits package aimed at helping them achieve their desired personal and financial goals.

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Grow With Guardian - Maximize Your Potential

COMPETITIVE BENEFITS PACKAGE: MEDICAL, DENTAL & VISION

PERSONAL DEVELOPMENT

Full complement of insurance programs from Blue Cross Blue Shield, Delta Dental of Kansas, and Ameritas Vision with two networks to choose from VSP and Eyemed

Tuition Reimbursement - Sunflower Bank will pay for 50% of expenses up to $3,000 per year for successfully completed pre-approved classes. Sunflower bank will pay 100% of expenses up to $2,500 for continuing education to keep a certification or to obtain a certification.

FLEXIBLE SPENDING ACCOUNTS

Employee Improvement – advance your knowledge by attending supervisor approved seminars, conferences, and civic organizations

Set aside pre-tax dollars to cover eligible health and dependent care expenses

401(K) PLAN 100% match of the first 6% contributed after 3 months of service and fully vested day 1

Fitness Reimbursment - Up to $240 per year

Employee Assistance Program – confidential, short term counseling for concerns at work or home through an independent third party free for employees, spouses, children and parents of employees

VOLUNTEER LEAVE Invest in your community or your family, up to 6 hours per quarter

PAID TIME OFF LIFE & DISABILITY INSURANCE Peace of mind and security for you and your family

Take advantage of a Personalized Paid Time Off program for any personal reason 11 Bank Holidays will be observed

COMPUTER PURCHASE PROGRAM

Sunflower Bank, N.A. is fully committed to Equal Employment Opportunity and to attracting, retaining, developing and promoting the most qualified employees without regard to their race, gender, color, religion, sexual orientation, veteran status, or any other characteristic prohibited by federal, state or local law.

Purchase personal technology equipment through our partnership with Dell and spread payments over time

Further, it is our policy to take armative action to recruit minority and female employees for any position for which the employee or applicant for employment is qualified. Sunflower Bank, N.A. provides reasonable accommodation for qualified individuals with disabilities and disabled veterans in the job application process.

If you have any diculty using our online system and you need an accommodation due to a disability, you may contact the Human Resources Department about your interest in employment. Any questions or concerns about this statement can be directed to the Human Resources Department at 888.827.5564.

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DESIGNED TO FIT CUSTOMER NEEDS! CONVENTIONAL

GOVERNMENT

FANNIE MAE®

FHA

Primary, Secondary & Investment Properties Delayed Financing

Fixed Rate Options

DU Refi Plus High Balance Home Ready® HomeStyle® Renovation Manufactured Homes Multiple Financed Properties

Manual Underwriting Available Purchase, Cash-Out Refi and High Balance Loan Amount Options HUD REO $100 Down Payment 203(K) Full and Limited Manufactured Homes Energy Efficient Mortgages

Non-Traditional Credit Program

VA

Student Loan Cash Out Refinance

Fixed Rate Options

FREDDIE MAC®

100% Financing for Purchase Transactions Interest Rate Reduction Refinance

Primary, Secondary & Investment Property Home Mortgage

High Balance Loan Amounts up to $1.5 Million Energy Efficient Mortgages

Home-Possible Mortgage - (Prim. Only) Non-Traditional Credit Program Relocation Mortgage Options Super Conforming Loan Amounts

INCENTIVE PROGRAMS Builder Incentive Program Listing Incentive Program HEROES Incentive Program Origination Fee Reduction Program Deposit Rate Reduction Program

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PORTFOLIO PRODUCTS

CONSTRUCTION & RENO.

Conforming CRA

Builder Incentive One-Time and Two- Time Close Homestyle® Renovation 203(K) Full and Limited HUD REO with Repair Escrow Buyer/Seller Funded Repair Escrow USDA Repair Escrow Weather Realted Escrow

Conforming ARM* Relationship Lending Program Second Lien (95% CLTV) Jumbo Standard Jumbo Interest-Only Construction One-Time Close Construction Two-Time Close Jumbo 15/6 ARM*

NON-CONFORMING Six Delegated Investors

BONDS/DPA/MCC We offer a mixture of bond, DPA and MCC programs available by local, state, county and city agencies.

Three Non-Delegated Investors ARM* Options and Fixed Rate DTI Up to 43%

LOCKING OPTIONS

First Time Homebuyer Options Hobby Farms

Builder Select w/ Float Down Options

Non-Warrantable Condos

Lock & Shop

Jumbo Construction Program

3/2/1, 2/1, 1/1 Buydown Options If bond market is deteriorating, we give MLOs 30 minute advance notice to lock customers.

MLOs can lock through the weekend up until Sunday night

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PORTFOLIO PRODUCT GUIDE OVERVIEW Guardian Mortgage Product Guide Overview Guardian Mortgage Product Guide Overview

We offer comprehensive loan programs empower our loan originators to assist borrowers with their mortgage needs MIN.totoempower MAX our MAX PRODUCT We offer comprehensive loan programs loanLOAN originators to assist borrowers withELIGIBLE their mortgage needs PROPERTY Max Maximum Eligible Minimum FICO LTV AMOUNT TYPE OCCUP. PURPOSE Occupancy PRODUCT Product Product Types Purpose Property Eligibility ELIGIBILITY AREAS Max Maximum Eligible Minimum FICO LTV Loan Amt Occupancy Areas Product Product Types Purpose Property Eligibility FICO LTV Loan Amt Areas

Portfolio Portfolio CRA Conforming Conforming CRA Program Program

Fixed (15, 30 year) Fixed (15, 30 year)

620 620 (Reduced (Reduced Coverage) Coverage)

97% 97%

County County Conforming Conforming Max Max

700 700

90% 90%

$1,250,000 $1,250,000

720 720

60% 60% 100% 100% 95% 95% 90% 90% 80% 80% 75% 75% 90%

$3,500,000 $3,500,000 $1,000,000 $1,000,000 $1,250,000 $1,250,000 $1,750,000 $1,750,000 $3,000,000 $3,000,000 $3,500,000 $3,500,000 $1,250,000

Portfolio Jumbo Fixed (10, 15 year) Portfolio Jumbo Fixed (10, 15 5/6, year)7/6, ARMS (3/6, Standard ARMS (3/6, 5/6, 7/6, 10/6) Standard Program 10/6) Program Portfolio Portfolio Relationship Relationship Program Program Portfolio Jumbo 15/6 Program Portfolio Jumbo 15/6 Program Portfolio Construction Portfolio One-Time Close Construction One-Time Close Portfolio 2-Time Close with Portfolio 2-Time CloseFNMA with FNMA 2-Time Portfolio Close 2-Time with VA Portfolio Close with Jumbo VA Portfolio Renovation Portfolio Jumbo Program Renovation Program 2nd Lien DPA Portfolio nd 2 Lien DPA

Portfolio Jumbo ShortTermShortInterest Jumbo OnlyInterest Portfolio Term Only Program Portfolio

Program FNMA / Freddie Guardian Saver FNMA / Freddie 85% Guardian Saver 85%

Fixed (15 year) ARMS (3/6,year) 5/6, 7/6, Fixed (15 10/6) ARMS (3/6, 5/6, 7/6, 10/6)

ARMS (15/6) ARMS (15/6) Fixed (15 year) ARMS 7/6, 10/6 Fixed (5/6, (15 year) 15/6, Max7/6, LTV10/6 80%) ARMS (5/6,

15/6, Max LTV 80%) Fixed ARMS Fixed ARMS Fixed

Fixed Fixed (15 year) ARMS 7/6, 10/6 Fixed (5/6, (15 year) 15/6) ARMS (5/6, 7/6, 10/6 Up to15/6) 5% community Second lien for CRA Up to 5% community eligible borrowers in Second lien for CRA select counties eligible borrowers in select counties

ARMS (3/6)

ARMS (3/6) Fixed (15,20,30 year) Fixed (15,20,30 year)

Minimal Agency overlays Products Minimal Agency overlays

700 700 720 720 700 700 680 680 720 720

Portfolio Portfolio Eligible Areas Eligible Areas

PR, SH, IP PR, SH, IP

Purchase, R/T Purchase, R/T * Cash-Out *Refi Cash-Out *PR, SH Refi *PR, only SH only

SFR, PUD/Condos, SFR, PUD/Condos, Non-Warrantable Condos Non-Warrantable Condos (with restrictions) (with restrictions)

Portfolio Portfolio Eligible Areas Eligible Areas

SFR, PUD/Condos, SFR, PUD/Condos, Non-Warrantable Condos Non-Warrantable Condos (with restrictions) (with restrictions)

PR PR

Purchase, R/T Purchase, R/T

Portfolio Portfolio Eligible Areas Eligible Areas

SFR, PUD/Condos, SFR, PUD/Condos, Non-Warrantable Condos Non-Warrantable Condos (with restrictions) (with restrictions)

Portfolio Eligible Areas Portfolio Eligible Areas

SFR, PUD/Condos, Non-Warrantable Condos SFR, PUD/Condos, (with restrictions) Non-Warrantable Condos (with restrictions)

Portfolio Eligible Areas Portfolio Eligible Areas

SFR ONLY, 2nd Homes to SFR ONLY, 80% 2nd Homes to 80%

Purchase, R/T, Purchase, R/T, *Cash-Out PR, SH, IP Refi *PR, SH *Cash-Out PR, SH, IP only SH Refi *PR, only PR, SH* Purchase, *Max 80% Limited CashPR, SH* Purchase, Out *MaxLTV 80% Limited CashLTV Out

720

95% 80% 80% 95% 95% 80% 75% 80% 65% 75% 65%

620

NA

Per First Lien

PR

Purchase

620

NA

Per First Lien

PR

Purchase

720

75%

$1,750,000

PR

720

75%

$1,750,000

PR

Purchase, R/T, Cash-Out Purchase, R/T,

660 660 660 660 700 700 720

85% 90% 75% 85% 70% 75% 70% 95%

$1,250,000 $1,250,000 $1,250,000 $3,500,000 $3,500,000 $1,000,000

Purchase, R/T Purchase, R/T

$1,500,000 $1,000,000 $2,500,000 $1,500,000 $3,000,000 $2,500,000 $3,000,000 Fannie Mae Loan Limits Fannie Mae Loan Limits VA Loan VALimits Loan Limits $1,500,000 $2,000,000 $1,500,000 $3,000,000 $2,000,000 $3,000,000

700 700

PR PR

Purchase Purchase

PR PR

Purchase Purchase Refinance, Limited Refinance, Cash-Out Limited Cash-Out

PR, SH PR, SH

Cash-Out

Portfolio Eligible Areas Portfolio Eligible Areas Portfolio Eligible Areas Portfolio Eligible Areas Portfolio Eligible Areas Portfolio

Eligible Areas

Underserved Market Underserved

Market

Portfolio Eligible Areas Portfolio Eligible Areas

SFR SFR SFR SFR SFR SFR Refer to Product guides

Refer to Product guides SFR, PUD/Condos, Non-Warrantable Condos SFR, PUD/Condos, (with restrictions) Non-Warrantable Condos

(with restrictions)

720

85%

$726,200

PR

Purchase, R/T

All Areas

Agency

720

85%

$726,200

PR

Purchase, R/T

All Areas

Agency

Homestyle Products FHA/VA/USDA Homestyle FHA -203(K) FHA/VA/USDA VA Cash Out Minimal Agency FHA -203(K) VA Loan amounts > $1,000,000 Overlays VA Cash Out Manufactured Housing Minimal Agency VA Loan amounts > $1,000,000 Overlays FNMA & FHLMC Manufactured Housing FNMA FHLMC Income FNMA && FHLMC FNMA & FHLMC Assets FNMA & FHLMC Income FNMA & FHLMC Assets

90% 80% 80% 65% 65% 90%

PR PR

RestrictionsAGENCY OVERLAYS MINIMAL

Not available in MA or NJ Restrictions 580 Minimum FICO Not available in MA or NJ Manufactured housing is ineligible (Not available in MA or NJ) 580 Minimum FICO 55% DTI for Manual Underwriting Manufactured housing is ineligible (Not available in MA or NJ) Manual underwriting allowed w/strong compensating factors and residual income of 120%.

55% DTI for Manual Underwriting Maximum 25 acres, single-wide housing is ineligible, must be affixed prior to closing.

Manual underwriting allowed w/strong compensating factors and residual income of 120%.

At least one borrower on a loan request must have a FICO score. Borrowers with no credit score Maximum 25 acres, single-wide housing is ineligible, must be affixed prior to closing. are ineligible on their own.

At least one borrower on a loan request must have a FICO score. Borrowers with no credit score P&L’s may be required to validate tax returns for any self-employment when used for qualifying. are ineligible on their own.

When a current year tax liability is owed P&L’s may be required to validate tax returns for any self-employment when used for qualifying.

When aConfidential, current year liability owed Fortax Internal UseisOnly First National 1870 and Guardian Mortgage are divisions of Sunflower Bank, N.A.

Confidential, For Internal Use Only

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First National 1870 and Guardian Mortgage are divisions of Sunflower Bank, N.A.

NMLS# 709491

Grow With Guardian - Maximize Your Potential NMLS# 709491

We offer comprehensive loan programs to empower our loan originators to assist borrowers with their mortgage needs.

PRODUCT

PRODUCT TYPE

MIN. FICO

MAX MAX LOAN LTV AMOUNT OCCUP.

PURPOSE

ELIGIBLE AREAS

PROPERTY ELIGIBILITY

GUARDIAN INCENTIVE CAMPAIGNS

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WHERE WE LEND With Guardian Mortgage, you can work with homebuyers throughout most of the country.

You’ll benefit from an expansive lending map, and our extensive portfolio lending programs.

So, no matter if your customer moves or decides to buy an investment property in another state, chances are you can take care of their home mortgage needs.

WA

M OR ID NV

WE ORIGINATE IN 44 STATES

UT

CA

100+ MORTGAGE LOAN ORIGINATORS

AZ

60+ LOCATIONS

AK

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MT

ME

ND MN

VT

SD

WY

WI

PA IL

KS OK

NM

MI

IA

NE CO

NY

MO

OH KY

WV VA

MA RI

NJ

MD

NC

TN AR

SC MS

TX

IN

NH

AL

GA

LA FL

HI

Origination and Servicing Grow With Guardian - Maximize Your Potential

Origination Only

Map - Rev. 05.2021 15

WHAT OUR EMPLOYEES SAY: "I started working for Guardian Mortgage in May 1993 - fresh out of college. I've seen many changes throughout the years and it's amazing how this company continues to grow and improve year after year. I've never wanted to leave. When you find a place that feels like family, and work feels like fun, you don’t look anywhere else."

- Jason Stiehl

"As a top originator, my biggest fear when moving to another company was the stress and problems that come with transitioning a never-ending pipeline to a new place… especially when you have a lot of business coming in. In my mind, I thought that I would never be able to move because I was too busy. I can say that without a doubt the onboarding process and transition process at Guardian Mortgage was the smoothest that I have ever experienced in over 25 years in the mortgage industry. They understand what it takes to keep an originator’s business moving and have created a virtually stressless concierge service to ensure that my onboarding and transition were easy. Topnotch help and it has been the best move I’ve made in my career."

- Jen Guidry

"Sunflower Bank provides the perfect platform for originators to be as successful as they desire. I am fortunate to work for a company that focuses on providing the sales tools necessary to acheive our goals."

- Kelly McReynolds

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Grow With Guardian - Maximize Your Potential

15,000+ 4.93

5.00

“Absolutely wonderful service and great communication, very direct and professional! Found multiple credits and was able to get me a great deal as a first time home buyer!! Will never work with another agent! Definitely look forward to another purchase in the future.” - Scott “Great efficiency, expertise of knowledge and hospitality in service ... all which exceed one’s expectations! Exceptional!” - Debra “Highly professional, excellent and well organized service, courteous & responsive.

Job well done ...” - Peter

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GROW WITH GUARDIAN Learn more at: GuardianMortgageOnline.com/Careers

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First National 1870 and Guardian Mortgage are divisions of Sunflower Bank, N.A. | NMLS# 709491 Grow With Guardian - Maximize Your Potential