Synergy One Year in Review

YEAR IN REVIEW

Synergy One Lending N ML S #1025894

SYNE RG Y ON E LE N D I N G

TOC BUSINESS CARDS LEAVE BEHIND MARKETING COLLATERAL BUILDER PACKAGE

BUSINESS CARDS

Synergy One Lending EVERY CLIENT. EVERY TIME. NO EXCEPTIONS. NO EXCUSES.

KATIE MITTLEIDER

Director of Human Resources

P 619.794.1922 C 858.926.8162 F 619.324.4092 email: kmittleider@s1lending.com 3131 Camino Del Rio N. Ste 190 San Diego, CA 92108 W W W.S1LENDING.COM

NMLS 1025894

Synergy One Lending

EVERY CLIENT. EVERY TIME. NO EXCEPTIONS. NO EXCUSES.

NMLS 1025894

SCOTT BOAMAN

Producing Branch Manager | NMLS #343518 p: 858.337.4435 f: 888.724.4403 sboaman@s1lending.com 3131 Camino Del Rio N. Suite 190 San Diego | CA | 92108 W W W.C APTAI N M OR TGAGEUSA.COM

Synergy One Lending Synergy One Lending

EVERY CLIENT. EVERY TIME. NO EXCEPTIONS. NO EXCUSES. EVERY CLIENT. EVERY TIME. NO EXCEPTIONS. NO EXCUSES.

N MLS 1025894 NMLS 1 0 2 5 8 9 4

ERICA ENGLISH ERICAofENGLISH Director Marketing | NMLS #111111 Director of Marketing | NMLS #111111 p: 619.999.9999 p: 619.999.9999 619.999.9999 c: c: 619.999.9999 f: 619.999.9999 f: 619.999.9999 e: eenglish@s1lending.com e: eenglish@s1lending.com

ADDRESS ADDRESS 3131 Camino Del Rio N. Ste 190 3131Diego, Camino Rio N. Ste 190 San CADel 92108 San Diego, CA 92108 W W W.S1L E NDING.COM W W W.S 1 L E N D I N G.CO M

p: 760.522.2298 f: 760.452.7875 e: jj@s1lending.com 990 Highland Dr. Suite 302 Solana Beach, CA 92075

Synergy One Lending

EVERY CLIENT. EVERY TIME. NO EXCEPTIONS. NO EXCUSES.

NMLS 1025894

JONATHAN “JJ” JEROTZ VP Retail Sales - Partner NMLS #247008

p: 760.522.2298 f: 760.452.7875 e: jj@s1lending.com 990 Highland Dr. Suite 302 Solana Beach, CA 92075 As seen on The American Dream Listen to the JJ Show on AM 1170 Thursdays @ 7PM

W W W. A SK J J N O W. CO M

LEAVE BEHIND

Sy

ynergy One Lending

LEAVE BEHIND

WHAT WE’RE MADE OF Synergy One Lending was built around a few simple Building Blocks: Transparency and education are the cornerstones of our organization. We conduct ourselves in a manner that places our clients' interests above our own while providing a process that is precise and consistent. We only hire people who embody our Core Values, and we equip them with the best products and systems to execute at the highest level.

Hiring the best talent means we strive to set the bar in everything we do. Our hiring process uniquely includes reputational and background checks and a stringent interview process. High expectations create a continual cultivationof excellence in our team members, which means an incredible experience for you.

Our Core Values shape our culture, and their execution is mastered daily by our TEAM. Alignment of interests is a critical but often overlooked component of successfully managing a growing enterprise. Our goal is to consistently serve the needs of our constituents, including our borrowers and referring partners, so everything we do rewards that specific outcome. Synergy One accomplishes this through a strategic ownership program, servant leadership, and constant collaboration with our employees, community, and customers. We turn your feedback in to immediate change for the better.

W H AT W E VA LU E We don't just talk about values. We live by them.

[IN-TEG-RI-TEE] I NTEGRI T Y

adherence to moral and ethical principles; soundness of moral character; honesty.

[ LO I - U H L - T E E ] LOYA LT Y

the state or quality of being loyal; faithfulness to commitments or obligations.

[DIL-I-JUH NS] DI LI GENC E/ WO RK E THI C

constant and earnest effort to accomplish what is undertaken.

[ K U H M - PA S H - U H N ] CO M PA S S I O N

a feeling of deep sympathy, accompanied by a strong desire to alleviate suffering.

Our Core Values serve as our team's moral compass, personally and professionally, setting us apart from our peers.

Ask about us around town. Work with us. Do life with us.

LEAVE BEHIND

JAMES CARMODY

NMLS #308051

James grew up in a fishing community south of Boston, MA. After high school, he worked with urban youth through a non-profit organization, City Year. He went on to get a Jesuit education at Fairfield University, playing rugby and studying business. In 2003 he relocated to San Diego and was immediately drawn to the community. James enjoys an active lifestyle, playing golf, swimming, skiing, and spending time with his wife, family, and friends.

Education B.S. Relationship Marketing, Charles F. Dolan School of Business, Fairfield University, Fairfield, CT

PAGE 4 (in)

James Carmody has a proven track record of helping his clients achieve their dreams. He has personally helped over 1,000 families purchase and refinance properties since joining the industry in 2003. Prior to becoming a mortgage banker, he had a lot of success as a mortgage broker and manager. He successfully grew a company from four employees to over fifty in three short months with over 100 million in production. As a mortgage advisor, James is committed to taking a hands-on approach with his clients. He applies the perspective that “a home is your biggest investment and needs to be part of a comprehensive plan. My goal is to empower clients through education.�

WHY JAMES CARMODY? It has always been James’ vision to create an educational experience for his clients. When you work with James and his team, you will immediately feel the difference. His primary purpose is to assist you in making sound financial long and short term choices. He knows that a home loan is one of the biggest financial transactions most people will ever make. He and his team are highly motivated to excel in all aspects of the loan process. They use industry leading tools to share with their clients in order for them to create a clear path to the most cost effective mortgage strategy.

Being a direct lender allows James to underwrite and fund loans in-house which translates into quick, smooth closings for his clients. This flexibility allows James to help local families find the right program for their ever changing needs. James is truly passionate about guiding his clients through a seamless mortgage process, and as a result nearly 100% of his business is by referral from satisfied clients and dedicated real estate professionals.

James can be reached at 858.525.3086 or jcarmody@s1lending.com

LEAVE BEHIND

BUYING OR I WANT TO BUY A HOME THAT MAY NEED A FACE LIFT.

I’M 62 AND NO LONGER WANT A MORTGAGE PAYMENT.

I WANT TO MAKE SURE MY RATE DOESN’T EVER CHANGE.

FHA 203K

REVERSE MORTGAGE

FIXED RATE

I HAVE BIG GOALS AND NEED A BIG LOAN.

(JUMBO)

I NEED SOME BREATHING ROOM. HOW ABOUT A RURAL AREA?

USDA

I HAVE A SHORTER TIME FRAME IN MIND.

ARMS

REFINANCING? THIS IS MY FIRST HOME.

FIRST TIME HOMEBUYER ASSISTANCE

I DON’T HAVE A LOT OF MONEY FOR A DOWN PAYMENT.

I RISKED MY LIFE FOR THIS GREAT COUNTRY.

FHA

VA

I’D LIKE A LOWER MONTHLY PAYMENT.

I WANT TO PULL SOME CASH OUT OF MY PROPERTY.

FHA OR VA

CASH OUT REFI

I DON’T KNOW IF MY HOME WILL APPRAISE HIGH ENOUGH.

HARP

Contact Us if you’re interested in our referral partner networking events, home buyer education workshops, or VA benefit information.

CONTACT INFO: 3131 CAMINO DEL RIO N. SUITE 190 | SAN DIEGO, CA 92108 | P: 858.525.3086

LEAVE BEHIND

HOW WE WORK Meet your new best friends....

Your Synergy One Lending team! Have a conversation with your loan officer about your goals to establish expectations, assess credit, and check out financing options.

PROCE S S ING

UND E RW RI TI N G

We'll need your help collecting documentation such as Pay Stubs, Bank Statements, W-2s, and Employment History so we can have your loan underwritten quickly

Since we hire only the best, you can be sure we will treat your file with love and attentive care throughout this very important part of your transaction. We will satisfy any remaining conditions to your final approval as quickly as possible to get you to the closing table.

and prevent any last minute rushing and stress.

A PPLI C AT I ON

D IS CLOS UR E S

We'll talk about your needs up front and gather as much information as possible to get a head start on your refinance or purchase.

You will receive, acknowledge, and return to your Loan Officer a disclosure package which explains your loan product and costs.

APPR AIS AL Here, we work with a professional team of local appraisers to have a good look at the value of your investment, your home.

CLEA R TO CLOS E Time for a happy dance. We are now ready to get you to the closing table by preparing your final loan documents.

Thanks to our awesome teamwork, you will have a smooth and exciting closing experience.

Celebrate!

When you're happy, we're happy.

Congratulations on a successful transaction.

Your loan is funded. Here's to our new and lasting partnership!

LEAVE BEHIND

“

YOUR BUSINESS IS OUR BUSINESS! Our marketing platform was created to make our originators and their friends in business stand out from the crowd. We offer video production, social media power, and a CRM marketing program designed to provide the resources and platforms you need to build your business.

�

VIDEO MESSAGING should no longer be just an option, but rather a critical tool in your arsenal necessary to keep you relevant in our ever-changing market. Synergy One’s in-house video production department can create individualized videos for builders, real estate agents, and strategic business partners that may be repurposed for any emerging need! Our studio is powered by an incredible team utilizing a state of the art space and the latest technology, insuring consistent quality and brand differentiation for YOU in the market.

”

LEAVE BEHIND

DOCUMENT CHECKLIST:

1

A complete Residential Loan Application

4

Last 2 years’ Federal Tax Returns (1040 forms), all schedules

2

Last 2 years W-2s, and/or 1099s, where applicable

5

Last 2 years’ Federal Business Tax Returns, if applicable.

If retired, current benefits letter and proof of 3 years’ continuance

3

One month stubs, la

6

2 Months’ asset state (checking, s stocks, IRA, 4 All pages are even if b

W W W.S1LENDING.COM

Synergy One Lending Inc. NMLS 1025894; Alabama Consumer Credit License #22123; Department of Financial Institutions - Arizona Mortgage Banker License 09

the Connecticut Consumer Credit Division - Mortgage Company Registration ML-1025894; Regulated by the Colorado Division of Real Estate, Colorado Mortgag Lender License MLD1079; Idaho Mortgage Broker/Lender License MBL-8537; Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #46648; Iowa Division of Banking - Mortgage Banker license 2015-0038; Kansas Licensed Mortgage Company License #MC.0025258; Kentucky Mortgage Company Licen Mortgage Lender License 21678; Michigan 1st Mortgage Broker/Lender License FL0019960; Minnesota Residential Mortgage Originator License #MN-MO-10258 Banker License1025894; Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – Ne License L-164411; Licensed by the Ohio Department of Commerce Division of Financial Institutions – Ohio Mortgage Broker Act Mortgage Banker Exemption 10 License 49997; South Carolina- Board of Financial Institutions Mortgage Lender / Servicer License MLS-1025894; Tennessee Mortgage License #125659; Texas Mo Mortgage Lender License #1025894BA; Wyoming Mortgage Lender/Broker License 2677.

3

h’s pay ast 3

6

recent ements savings, 401K, etc.) e required blank

FOR ALL PROPERTIES OWNED:

7

Copy of your most recent mortgage statement

8

Copy of your property tax bill and homeowners’ insurance statement

9

If you have an HOA, copy of the most recent statement

926603; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; Licensed by

ge Company Registration 1025894; Delaware Licensed Lender #020926; District of Columbia Mortgage Dual Authority License MLB1025894; Florida Mortgage Illinois Residential Mortgage Licensee #MB.6850060; Licensed by Indiana Department of Financial Institutions - First Lien Mortgage Lending License 27156; nse #MC327694; Maine Supervised Lender License 1025894; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation 894; Mississippi Mortgage Lender License #1025894; Montana Mortgage Lender License 1025894; Montana Mortgage Broker License; Nebraska Mortgage w Jersey Residential Mortgage Lender License 1025894; Licensed by the North Carolina Commission of Banks office – North Carolina Mortgage Lender 025894; Oklahoma Mortgage Lender license #ML010730; Oregon Mortgage Lending License ML- 5208; Pennsylvania Department of Banking and Securities ortgage Banker Registration 10255894; Utah DRE Mortgage Entity License 8954729; Washington Consumer Loan Company License CL-1025894; Wisconsin

MA R K E T I N G CO L L AT E R A L

T R I D Q U E S T I O N N A I R E F LY E R

TACKLING TRID THERE HAVE BEEN MANY TRID PRESENTATIONS GIVEN, BUT MOST HAVE FOCUSED ON WHAT TRID IS, AND NOT ENOUGH TIME HAS BEEN SPENT ON WHAT AGENTS CAN EXPECT. OUR GOAL IS TO KEEP YOU WORKING CONFIDENTLY, AND GIVE YOU THE TOOLS AND INFORMATION TO SERVICE YOUR CLIENTS WELL. HERE ARE THE FOUR MAIN CONCERNS THAT AGENTS HAVE WITH TRID, AND HOW WE ARE ADDRESSING THEM TO SUPPORT OUR AGENTS.

CONC ER N #1 “TRID states that a lender cannot require pre-approval documentation, therefore agents will never know if we are working with qualified buyers.”

SYNERGY ONE LENDING will be processing TRID compliant pre-approvals, and all of our partner agents will know that their buyers are qualified before they get into the car. We are also able to pre-qualify potential buyers of our partner agents’ listings. Just ask us!

CONC ER N #2 “TRID means that a lender cannot give an estimate of closing costs without it being considered a disclosure. Clients are not going to be able to fully understand what their costs are before they get into escrow.”

SYNERGY ONE LENDING will be able to provide an estimate of closing costs that is TRID compliant, yet gives buyers a great idea of what costs they can anticipate.

CONC ER N #3 “Under TRID rules, appraisal costs cannot be incurred until the buyer is given ample time to review their initial disclosures, sometimes resulting in a weeks-long delay.”

SYNERGY ONE LENDING has changed internal policies which allow us to order appraisals on DAY ONE of the transaction. TRID changes will not have any negative affect on our ability to order an appraisal.

CONC ER N # 4 Concern #4: “The collective changes due to TRID mean that agents are not going to be able to close in anywhere near 30 days. Agents will have to plan for 45 to 60 day escrows.”

SYNERGY ONE LENDING is making changes to their policies as well, which will ensure that 30 day escrows are not a thing of the past.

Synergy One Lending NMLS #1025894

TRID CALENDAR

AU G U S T S U NDAY

2015 W ED NES DAY

T U E SDAY

M O N DAY

Synergy One Lending

FR IDAY

THUR S DAY

S ATUR DAY 01

Client is fully Pre-Approved beforehand 02

09

Escrow Opens; Application date set. Fees Requested.

03

10 Appraisal Received CONDITIONAL APPROVAL FROM UW (48 hrs)

16

30

CD Review Day Three

Setup & Processing

11

Docs Out

19

13

Conditions Received

Completed file Resubmitted to Underwriting for Final CTC

DAY 17

CD Review Day TWO

20 Contingency Removal CD Review Day ONE Acknowledge Receipt

26

27

Doc Signing

07

08

14

15

21

22

28

29

File Submitted to Underwriting

Closing Disclosure sent to Borrower

25

24

06

12

18

Conditions CLEARED by UW; File CTC

Day 28 31 Conditions Cleared, Loan Funds and Records

05

Gather Conditions; Borrower, Escrow & Title

17

In Queue

23

04

Fees Received, LE-Disclosures signed in person, OR via docusign

Escrow Delay

Scanned docs Received, Funding Conditions Sent

Notes: ***Goal is not “close on time”, but CTC by C.R. day*** ***Client is fully pre-approved, and property “TBD”*** ***Appraisal paid by Synergy, therefore no cost incurred*** Daniel P. Lehman Synergy One Lending 760-655-1405 lehmanteam@s1lending.com

MA R K E T I N G CO L L AT E R A L

LO A N P R O G R A M O V E R V I E W F LY E R

ABOUT US SYNERGY ONE LENDING

Syne

was built around a few simple Building Blocks:

Transparency and education are the cornerstones of our organization. We conduct ourselves in a manner that places our clients’ interests above our own while providing a process that is precise and consistent. We only hire people who embody our Core Values, and we equip them with the best products and systems to execute at the highest level.

Hiring the best talent means we strive to set the bar in everything we do. Our hiring process uniquely includes reputational and background checks and a stringent interview process. High expectations create a continual cultivation of excellence in our team members.

Alignment of interests is a critical but often overlooked component of successfully managing a growing enterprise. Our goal is to consistently serve the needs of our constituents, including our borrowers and referring partners, so everything we do rewards that specific outcome.

Synergy One accomplishes this through a strategic ownership program, servant leadership, and constant collaboration with our employees, community, and customers. We turn your feedback in to immediate change for the better.

EXCITING PRODUCT OFFERINGS •

FHA and VA loans down to 580 FICO

•

100% Cash Out on VA Refis

•

Manual underwriting options on VA & FHA

•

USDA loans

•

Renovation loans: 203k Rehab & FNMA Homestyle

•

Reverse mortgages & HECM for Purchase loans

•

Investor Access Program: a true no-income non-owner product!

•

Golden State Housing Authority Programs - MCC credit options - Down payment assistance

•

Expanded Prime program allows: - 55% DTI - IO Option - Asset utilization - 1 yr Self-Employed

•

Credit Access Program allows: - 1 day out of foreclosure - Mortgage lates OK - Income off Bank statements

SCOT T B OA MAN

Business Development 858.337.4435 sboaman@s1lending.com

SYNERGY ONE LENDING 3131 Camino Del Rio N. Suite 190 San Diego, CA 92108

Synergy One Lending NMLS #1025894

R E N O VAT I O N H O M E LO A N S F LY E R

RENOVATION LOANS :

POWERFUL PRODUCTS TO CREATE OPPORTUNITIES AND DRIVE ADDITIONAL BUSINESS RENOVATION LOANS – One Loan for Purchase/Refi and Renovation Costs

TYPES OF RENOVATION LOANS •

Primary Residence, Second Home and Investment Rental

•

Minor/Cosmetic to Major/Structural

•

From “fixers” to “dream homes”

WHAT’S IN IT FOR YOU?!

•

Close properties that cannot appraise -$$$

•

Close hard to sell properties -$$$

•

Close client’s on “dream home” based on renovations -$$$

ISSUE : Poor Reputation Due to Inexperienced Loan Officers and Bureaucratic Lenders SOLUTION : Must Engage Highly Experienced Loan Officer using Modern, Efficient Process John Medin | Director, Renovation Loan Division & VP, Mortgage Lending | Synergy One Lending •

15 Years Experience Closing Renovation Loans

•

One of Very Few Most Experienced and Knowledgeable Renovation Loan Officers in San Diego County

•

Closed Renovation Loan in 11 days!!

•

25 Years Management Consulting Experience including a Specialty in Business Process Design/Reengineering

•

Designed and Implemented Modern, Efficient and State of the Art Renovation Loan Process at Synergy One Lending using Proven Design Features of Prioritized, Parallel and Critical Path driven activities

NAME NMLS # phone email@s1lending.com address W W W.S1LENDING.COM Synergy One Lending Inc. NMLS 1025894. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356.

MA R K E T I N G CO L L AT E R A L

LETTER TO POTENTIAL BORROWERS

CONSIDERING UPGRADES TO YOUR HOME?

John Smith 21212 Ford St San Diego, CA 92122

Dear John Smith, Perhaps you’ve thought about making some upgrades to your home, but you don’t have the available funds to undertake the work, or enough equity in your home to borrow against it.

We can help! Stonegate Mortgage specializes in providing FHA borrowers with a unique mortgage product – our Home Improvement Program, or HIP – that allows you to finance your improvements, even if you just purchased your home and haven’t built equity. This is not a high-interest second mortgage; it’s a first mortgage FHA loan that will include the costs of your upgrades.

With a HIP loan, you can: • Finance updates from flooring, windows or painting to a complete home renovation.

• Work with authorized, licensed contractors to complete the work on time and on budget.

• Replace a heating or air conditioning unit with new high-efficiency models, and even replace less efficient appliances.

• Have the possibility of creating instant equity in your home.

Best of all, it can all be added to your new loan.

Want to know more? Please call me today at 888.232.2908

SCOT T B O E MAN Branch Manager | NMLS #343518 858.337.4435 sboeman@s1lending.com SYNERGY ONE LENDING 3131 Camino Del Rio N. Suite 190 San Diego, CA 92108

Synergy One Lending NM L S # 1 0 2 5 8 9 4

Synergy One Lending Inc. NMLS 1025894; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356.

LE T TER TO POTENTIAL BORROWERS - VA ORIENTED

CONSIDERING UPGRADES TO YOUR HOME?

Dear

,

As you probably know the FED’s still have not raised interest rates yet!

If you have considered taking any cash-out of your home for some upgrades or debt consolidation, now may be a great time to examine your options. Since the rates have not increased yet, there is a possibility that you could reduce your current rate and lower the monthly payments you are paying.

For a free mortgage analysis or any general questions on your VA loan, feel free to contact me directly.

Since it is uncertain as to when the Federal Reserve will increase rates, now may be an ideal time to check into programs and rates that are currently available!

We have very competitive pricing, phenomenal service and for every VA loan I personally close, $500- is donated to the Wounded Warrior Project here in San Diego!

Want to know more? Please call me today at 888.232.2908

SCOT T B O E MAN Branch Manager | NMLS #343518 858.337.4435 sboeman@s1lending.com SYNERGY ONE LENDING 3131 Camino Del Rio N. Suite 190 San Diego, CA 92108

Synergy One Lending NM L S # 1 0 2 5 8 9 4

Synergy One Lending Inc. NMLS 1025894; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356.

MA R K E T I N G CO L L AT E R A L

F R E S H S TA R T & F O R E I G N N AT I O N A L O V E R V I E W F LY E R

G S FA P R O G R A M F LY E R

GSFA PLATINUM™ PROGRAM

DOWN PAYMENT ASSISTANT PROGRAM

GRANT

Up to 5% of Loan Amount*

NON-REPAYABLE GRANT To be used for down payment and/or closing costs. Grant is forgiven when loan closes and never has to be repaid.

FLEXIBLE GUIDELINES No first-time homebuyer requirement.

FHA, VA, USDA and Conventional Mortgages are eligible.

Purchase or refinance of a primary residence.

Grant Up to 5% of Loan Amount*

We Want to Bring You One Step Closer to Owning Your Own Home.

Thousands of people each year dream of becoming homeowners. Let us help that dream become reality.

The GSFA Platinum homebuyer assistance program provides eligible borrowers with a grant, up to 5% of their loan amount, to use towards down payment and closing costs*. Many times this can mean being able to purchase a home with little-to-no money out of pocket and maybe much sooner than thought possible.

The GSFA Platinum Program is available for the purchase or refinance of an owner-occupied principal residence in California. Best of all, one DOES NOT have to be a first-time homebuyer to qualify.

Call today for more information or to find out if you qualify.

SCOT T BOAMAN

Producing Branch Manager | NMLS #343518 858.337.4435 sboaman@s1lending.com www.captainmortgageusa.com

SYNERGY ONE LENDING 4445 Eastgate Mall, Suite 2080 San Diego | CA | 92121 * This is not an offer for extension of credit or a commitment to lend and is subject to change without notice. Certain restrictions apply on all programs. Complete guidelines, loan applications, interest rates and annual percentage rates (APRs) are available through GSFA Participating Lenders. Contact us for a referral to a GSFA Platinum Participating Lender.

Synergy One Lending Inc. NMLS 1025894. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356.

MA R K E T I N G CO L L AT E R A L

H O M E O W N E R S H I P B E N E F I T S F LY E R : PA R T I

Syn

HERE’S HOW HOME OWNERSHIP BENEFITS EMPLOYERS: Do you: • Want to reduce the high costs of employee turnover?

• Have high-value employees who do not own a home?

• Need professional advice on the home buying process?

The truth is helping your employees become homeowners is a proven strategy to improve company loyalty and reduce turnover. Reflect on these important facts: • Replacing an employee is costly. While the costs vary based on their earnings the average cost to replace one employee earning $8.00/hr is $9,444,47. 1 • Employee turnover could cost you an additional $10,000 or more every four years. Recent figures from the US Bureau of Labor Statistics shows that the average employee will remain at their job less than four years. 2 Considering the high costs of turnover it becomes clear that nurturing and retaining your best employees not only provides stability and increased morale but protects your bottom line.

HOMEOWNERS WILL WORK HARDER Employees who own a home have a stronger incentive to remain at their current job than those who do not own a home.

While unspoken, employees realize their continued loyalty and commitment to your company helps them make their monthly mortgage payment thus building equity in their largest asset, their home.

HOMEOWNERS STAY LONGER Home ownership reflects your employee’s long term commitment as they put down roots in the community, send their children to local schools and establish themselves as part of their long term goals. Homeowners with strong ties to the community are much less likely to change jobs as this requires moving.

HOMEOWNERS ARE TEAM PLAYERS Home ownership engenders a sense of long-term commitment and a vision for the future. Employees who own a home are more inclined to share your company’s goals and commit to long term and mutual success . Employee homeowners are more willing to work harder to get ahead, pay off their mortgage earlier or to make improvements to their home.

LEVERAGE THE BENEFITS OF HOME OWNERSHIP FOR YOUR EMPLOYEES Hiring and retaining outstanding employees is key to your company’s success. Encouraging home ownership helps you achieve these goals while increasing overall employee satisfaction. Please reach out to me to discuss how we can support

SCOT T BOA MA N

Producing Branch Manager | NMLS #343518 858.337.4435 sboaman@s1lending.com www.captainmortgageusa.com

SYNERGY ONE LENDING 3131 Camino Del Rio N. Suite 190 San Diego, CA 92108 Synergy One Lending, Inc. NMLS ID 1025894. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License # 4131356.

NMLS #1025894

H O M E O W N E R S H I P B E N E F I T S F LY E R : PA R T I I

HOME OWNERSHIP: THE NEW EMPLOYEE BENEFIT Company benefits have become more important in retaining employees and reducing turnover costs. Employers are challenged with both rising healthcare costs and the scope of benefits offered to their full time employees creating additional strain on human resource manager who are often outsourcing management to professional third party administrators (TPAs).

As the complexity of benefit offerings increase, employees face concerns about their job, and benefit costs which impact their personal finances.

Consequently employers are engaging their employees to become active participants in their benefit selection and services. Many companies include financial wellness and educational program benefits knowing that employees who have more control of their personal finances are happier, healthier and more productive.

One of the cornerstones of personal finance is home ownership. Our passion at Synergy One Lending is to educate, empower and motivate individuals to take control of their financial future with home ownership.

Synergy One Lending can provide small to mid-size companies an opportunity give their employee’s access to the additional benefits of: • • • •

Informational workshops at work Reduced closing costs Mortgage reviews (current or future mortgage) Personal consultation with a mortgage planning professional

Assisting your employees with home ownership engenders a sense of loyalty and satisfaction with their employer reducing turnover and long term employee resource costs.

Please contact me today to learn how we can provide this additional benefit to you and your valued employees.

SCOT T BOA MA N

Producing Branch Manager | NMLS #343518 858.337.4435 sboaman@s1lending.com www.captainmortgageusa.com

SYNERGY ONE LENDING 3131 Camino Del Rio N. Suite 190 San Diego, CA 92108

Synergy One Lending

Synergy One Lending, Inc. NMLS ID 1025894. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License # 4131356.

NMLS #1025894

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WHERE SUMMER NEVER ENDS

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SC THE. COTTAGES ST CL OU D AT ST. CLOUD A LIMITED COLLECTION OF 96 BUNGALOW-STYLE TOWNHOMES

Located in one of California’s historic beach towns, The Cottages is a premier new home community that offers beachside charm with modern and active living.

Three distinct coastal homes featuring contemporary architecture and beautifully designed floorplans that offer plenty of living space.

Every home features a private yard or oversized outdoor space perfect for entertaining with family and friends.

CLOSE TO EVERYWHERE YOU WANT TO BE

WHERE RESORT STYLE LIVING IS AN EVERYDAY REALITY Relax at the Cabana Club, lay by the pool or work out in the fitness center.

There’s no limit to the places you can visit, things to do, or sights to see.

Treat yourself to the finest cuisine and shop to your heart’s content along Historic Hwy 101.

Sit and chat with your neighbors in one of the community’s many Adirondack Chairs.

Pedal over to the new El Corazon Park.

Enjoy the weekly farmer’s market in Downtown Oceanside.

WELCOME HOME TO A LIFE OF ADVENTURE AND MEMORIES AT ST. CLOUD

Spend hours at the beach surfing, walking, or watching the sunset.

Walk to the regionally acclaimed schools.

Close to sought-after employment centers, entertainment, and recreation in Orange County, San Diego, and Carlsbad.

SC THE COTTAGES ST. CLOU DAT ST. CLOUD price sheet plan one One Story | 1,507 sf 2 Bedrooms | 2 Bathrooms 2 Car Garage | Outdoor Patio

plan two Two Story | 1,797 sf 3 Bedrooms | 2.5 Bathrooms 2 Car Garage | Private Yard

plan three Two Story | 1,933 sf 3 Bedrooms | 2.5 Bathrooms 2 Car Garage | Private Yard

ANTICIPATED PRICING FROM THE HIGH

$400’s TO THE LOW

$500’s ANTICIPATED PRICING FROM THE LOW

$500’s

ANTICIPATED PRICING FROM THE MID

$500’s

Prices are subject to change. All square footages are approximate. Buyer to verify prior to purchasing.

ST. CLOUD BROCHURE

SC COMMUNITY ST . CL OU DINFORMATION INCENTIVE Synergy One Lending will offer a $7,500 closing credit if using them...

ESTABLISHED PROPERTY TAXES Current base tax rate of 1.0835% plus an established fixed city assessment of $913.50 per year.

HOA FEES Monthly dues are anticipated to be $319 per month at build out.

SC ST. CLOU C L OU DD ST. PRE- QUALIFY TODAY To purchase a home, the best place to start is with an understanding of what it takes to get a loan.

WHAT WE’RE MADE OF Synergy One Lending was built around a few simple Building Blocks: Transparency and education are the cornerstones of our organization. We only hire people who embody our Core Values, and we equip them with the best products and systems to execute at the highest level.

Hiring the best talent means we strive to set the bar in everything we do. High expectations create a continual cultivation of excellence in our team members, which means an incredible experience for you. Our Core Values shape our culture, and their execution is mastered daily by our TEAM. Alignment of interests is a critical but often overlooked component of successfully managing a growing enterprise. Our goal is to consistently serve the needs of our constituents, including our borrowers and referring partners, so everything we do rewards that specific outcome. Synergy One accomplishes this through a strategic ownership program, servant leadership, and constant collaboration with our employees, community, and customers. We turn your feedback in to immediate change for the better.

CONNECT WITH US. Daniel Lehman VP of Mortgage Lending dlehman@s1lending.com 760.655.1405 VISIT WWW.LIVEATSTCLOUD.COM

PROUD TO PARTNER WITH

Synergy One Lending

ST. CLOUD BROCHURE

SC THE. COTTAGES ST CL OU DAT ST. CLOUD floor plan one

Floorplan is conceptual and is subject to change. Buyer to verify prior to purchasing.

SC THE COTTAGES ST. CLOU DAT ST. CLOUD f l o o r p l a n to w n eo

Floorplan is conceptual and is subject to change. Buyer to verify prior to purchasing.

ST. CLOUD BROCHURE

SC THE. COTTAGES ST CL OU DAT ST. CLOUD fflloooorr ppllaann ot nh er e e

Floorplan is conceptual and is subject to change. Buyer to verify prior to purchasing.

SC ST. CLOU C L OU DD ST.

about the neighborhood schools ELEMENTARY SCHOOL NAME API CALIFORNIA DISTINGUISHED SCHOOL DISTANCE FROM ST. CLOUD

Ivey Ranch Elementary School (k-5) 4275 Via Rancho Road 918 Three Time California Distinguished School

50 yards ( located across the street)

MIDDLE SCHOOL NAME API DISTANCE FROM ST. CLOUD

Martin Luther King Jr. Middle School 1290 Ivey Ranch Road 859 1.5 miles

HIGH SCHOOL NAME API DISTANCE FROM ST. CLOUD

El Camino High School 400 Rancho Del Oro Drive 779 1.5 miles

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Synergy One Lending