Team Hawk - Welcome Packet

Expect the Best WHEN YOU WORK WITH

Team Hawk

Table of Contents

3 Meet Chad Hawker 4 Chad Hawker - By the Numbers 5 Our Reviews 6 Meet Your Mortgage Team 7 Why Synergy One Lending 8 Dos and Don’ts 9 Our Loan Process 10 Mission Statement

Meet Chad Hawker Area Manager | NMLS #281011

In his more than 23 years as a loan officer on the Monterey Peninsula, Chad Hawker understands the local real estate and lending environment and has funded over $2 billion in loan volume. He has garnered widespread industry accolades for his performance and elite customer service, including the prestigious Golden Pine Cone Award in 2014, 2021, 2022, 2023, 2024, and 2025 for Carmel's Lender of the Year, as well as the Carmel Chamber Award of Excellence in 2021.

As a prior professional Ironman triathlete and winner of 15 international events, Chad learned the importance of preparation, commitment, and perseverance early on. He brings this experience to every transaction, making certain that all parties leave the closing table satisfied and comfortable with the knowledge that they received the best loan possible for their current and future financial goals.

Awards and Recognition

Specialties

Loan Officer of the Year: 2009-2024

• Jumbo Loans

Carmel Chamber Award of Excellence: 2021

• Custom Refinances

Carmel Lender of the Year: Golden Pine Cone Award 2014, 2021-2025 Scotsman Guide: 2020 - 2024

• Digital HELOC* • Conventional Loans • VA & FHA Loans

Why Choose Team Hawk?

Our focus is 100% on financing the American Dream and the experience of getting you there. Unlike a typical bank that has many different products and services to sell, our company is able to focus on our specialty, mortgages, and closing them efficiently. As both a mortgage banker and mortgage broker, we have the flexibility to successfully fulfill all clients’ needs.

Whether that need is for a fast approval or for the most competitive rate, we have the ability to meet it. When we act as a mortgage banker, we are the lender, which means we control the loan pricing and decision-making from start to finish. We also have the ability to act as a mortgage broker when we need to supplement our in-house product offerings to meet the special product or pricing needs of our clients. By utilizing this control, our clients receive faster, more efficient service.

*Not available in all states.

Chad Hawker

BY THE NUMBERS Scotsman Guide 2020 - 2024

23 Years

as a Loan Originator

2008 - 2025

#1

Chairman’s Club 2008-2025

5000+

Top Producer

2 Billion +

Lender of the Year

Closed Loans

Loan Volume

Success to me is understanding client needs and expectations and exceeding them every step of the way. While I take pride in the numbers I have accrued throughout my career, my true measure of success comes one client at a time and by developing relationships that last a lifetime.

#1 Loan Officer of the Year recipient 2009-2024

Golden Pine Cone Award Carmel Lender of the Year 2014, 2021-2025

What our clients

ARE SAYING ABOUT US 5.0 O Olga M. Chad is a fabulous Mortgage Broker, who provides outstanding service. He is professional, experienced, trustworthy and has a great personality. It is always a pleasure to work with him on a transaction.

5.0 C

Chelsea B.

Great communication, thorough, went above and beyond. We were dealing with a unique buying situation and Chad helped us overcome every obstacle. I will definitely refer him to everyone we know and contact him on future real estate transactions.

5.0 R Rebecca W. A. Great communication on this escrow from start to finish! We represented the Seller, but always felt that we knew what was going on with the Buyer, thanks to Team Hawk and the Buyer's agent being able to keep updated the whole way through this long escrow. Thanks! Great job!

Meet Your

Mortgage Team Chad Hawker

Chad has been a trusted Loan Officer for 23 years and has closed over 5,000 loans representing over 2 billion dollars in loan volume. He will meet with you, educate you, go over your loan options, and help you pick the program that is right for you.

Area Manager | NMLS #281011

(831) 521-9378 chawker@S1L.com

Bryanna Costa Production Manager | NMLS #1513094

(831) 840-0839 bcosta@S1L.com

Amber Veraldi Loan Processor

Courtney Garneri Area Manager | NMLS #884012

(831) 277-4229 cgarneri@S1L.com

Bryanna will be your main contact once your file has been established and your application is complete. She will be contacting you for information and following up to request any necessary documentation. Bryanna will assist you in gathering all of the final components needed to keep your loan on track to successfully close.

Amber is a seasoned loan processor with 20+ years of experience, and she is committed to accuracy, efficiency, and providing exceptional customer service for Team Hawk.

Courtney has 25 years' experience in the mortgage industry. She supports sales and manages overall operations, also your go to for any tech stack questions.

Possibility is power.

Carmel Branch Address Dolores Street, 2 SW of 7th Avenue Carmel-by-the-Sea | CA | 93921

Why

Synergy One Lending?

SPEED Fly through the mortgage the process with the utilization of today’s cutting-edge technology

EASE Navigate through the loan process with ease using our next-level app, S1 Connect

EXPERTISE Explore your financial options with one of the best in the mortgage industry

S1 CONNECT Calculate Payments Generate Pre-Approval Letters Share App With Clients and Agents Real-Time Notifications Agents can co-brand and stay updated on their client's process, too!

Important Tips Every Homebuyer Should Know

Here are some very important DO’s and DON’Ts that will help keep your home loan on track. Feel free to keep it accessible as a reminder!

PLEASE DO NOT

Don’t make a major purchase Don’t apply for any new credit Don’t transfer any balances from one account to another Don’t pay off charge-off’s / collections without discussing with our team first Don’t close any credit card accounts Don’t change bank accounts Don’t charge up credit cards Don’t take out a new loan Don’t pay off any loans or credit cards without discussing it with our team

PLEASE DO

Do continue making your mortgage / rent payments Do stay current on all existing accounts Do keep working at your current employer Do return ALL requested documentation in a timely manner Do continue living at your current residence DO CALL US IF YOU HAVE ANY QUESTIONS!

Our

Loan Process

1

Application

2

Loan Documents

3

Disclosures

4

Processing

5

Underwriting

6

Conditional Approval

7

Clear to Close

8

Celebrate

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

We'll need your help collecting documentation such as Pay Stubs, Bank Statements, W-2s and Employment History so we can have your loan processed quickly and prevent any last-minute rushing and stress.

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

Once all the documentation is provided, your loan will be sent to one of our Processors, who will make sure everything is in order before sending it off to the Underwriter.

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.

Here, we will satisfy any remaining conditions to your final approval as quickly as possible to get you to the closing table.

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.

When you're happy, we're happy. Congratulations on a successful transaction. Your loan is funded. Here's to our new and lasting partnership!

Teamwork | Communication | Priority CHAD HAWKER and his team, Team Hawk, promise to deliver a loan transaction process with personal customer focus, and clear communication that we are confident will exceed your expectations. The value of our team approach is to guide you through every step of a home purchase or refinance, and lead to our mission of earning your business for a lifetime. We strive to create a positive, memorable experience by clearly managing deadlines, and marking milestones with efforts that will keep you smiling along the way.

Our Clients are our first priority and #1 importance!

Synergy One Lending, Inc. | NMLS 1907235 | www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | State required licensing information: AZ BK #1006787; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO, ID, and OR. Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. S1L1025123