TF - Recruiting Booklet

NMLS #4181

OUR PURPOSE

We exist to make a lasting impact on communities we serve through homeownership, service and giving back.

Homeownership with Heart

Making a Lasting Impact

Rooted in Community

Parnerships for a Better Future

Welcome home.

TO P F L I T E H O M E LO A N S

We were coming out of one of the most challenging times of our lives—nearly homeless, relying on food banks, and struggling to keep our home warm. With no guarantees, we decided to take a chance, unsure of what the future held.

We made mistakes along the way but never wavered from our core values. We weathered a crippling industry downturn, one that many couldn’t survive, and faced the uncertainty of a global pandemic.

Through it all, we endured the highs and lows that come with building something meaningful.

BUT OUR GREATEST ACHIEVEMENT?

CREATING A HOME.

Timothy Baise

Tracie Baise

NMLS #5440

NMLS #104638

CEO

CCO

T WENT Y-T WO Y E ARS AGO, TIMOTH Y AND I TOOK A LE AP OF FAITH .

4

Not just for those purchasing their dream home, but for our employees—a place where they can thrive—and more recently, for those without a home, through our partnership with the Homeless Angels.

We are looking to grow our team with legacyminded people who want to make a lasting impact.

A B O V E A L L : YO U .

A seasoned & purposeful leadership team.

Our team is celebrating over 20 years of delivering stable and secure futures through homeownership and giving back to our community. Since our humble beginnings in an 80-square foot home office, we’ve grown into a nationwide, multi-million dollar corporation. Top Flite has been recognized by Inc Magazine as one of the fastest growing privately owned companies in America for 9 years.

KEVIN SMITH

LORALYNNE BALL

MATT CORNETT

Chief Information Officer (CIO)

Vice President of Retail Sales

Chief Operating Officer (COO)

Veteran technology executive; expert in cloud systems, cybersecurity, and analytics; leads Top Flite’s digital transformation and innovation strategy.

37+ years in mortgage; nationally respected for sales growth, strategic partnerships, and coaching loan officers into top performers.

25+ years of operational leadership; drives company performance, process excellence, and a culture of accountability and service.

MICHELLE CARIE

Secondary Marketing Manager

RICH PASSANANTE

Director of Retail Operations

BRENDA COX-NELSON

30+ years in capital markets and secondary marketing; manages pricing, hedging, and loan sales; U.S. veteran and master’s degree holder.

20+ years in mortgage operations; expert in credit risk, compliance, and system optimization; has led teams exceeding $2.5B in annual volume.

30+ years in underwriting and credit management; known for team building, risk assessment, and fostering community focused lending success.

Director of Credit

5

TO P F L I T E H O M E LO A N S

“While our mission is philanthropic, our focus is on delivering results. At Top Flite, you are supported by a team that values precision, efficiency, and integrity—so you can grow your business while making a difference.”

-TIM BAISE

6

A B O V E A L L : YO U .

Above All THE MINDSET THAT DEFINES US IS BUILT ON THESE PILL ARS:

Your Relationships.

Relationships

Your Customer.

GROW AND NURTURE YOUR CIRCLE OF RELATIONSHIPS.

DELIVER A TRUSTWORTHY CUSTOMER EXPERIENCE.

Your Community.

Your Goals.

MAKE A MEANINGFUL IMPACT, LEAVE A LEGACY.

ELEVATE YOUR CAREER, PERSONAL GROWTH & FULFILLMENT.

R E L AT I O N S H I P S | C U S TO M E R | CO M M U N I T Y | G OA L S 7

Relationships.

Above All, Your Relationships WE ARE COMMITTED TO EMPOWERING YOUR CONNECTIONS We understand that your success is built on the strength of your relationship network, and your relationship portfolio deserves our full attention.

WE’RE HERE TO HELP YOU: Find and Grow New Relationships Nurture Existing Connections Maintain Trust and Excellence

R E L AT I O N S H I P S | C U S TO M E R | CO M M U N I T Y | G OA L S

A B O V E A L L : YO U .

Elevate Your Relationship Portfolio CO-BRANDED MARKETING ASSETS Customizable materials to support your partnerships with Realtors and referral sources.

QUALIT Y CUSTOMER ENGAGEMENT CAMPAIGNS Automate your client communication and keep every lead and customer engaged EXCLUSIVE REALTOR ENGAGEMENT PROGRAMS Build strategic partnerships with high-value referral partners.

INNOVATIVE PRODUCT SOLUTIONS TO RISE ABOVE THE REST Bring value to your Realtors with solutions that grow their business.

9

Onboarding, Top Flite style.

TRANSITIONS ARE NEVER EASY, BUT OUR TEAM WILL DO EVERY THING WE CAN TO GIVE YOU A SOFT L ANDING.

GET READY TO GROW!

MEET YOUR TOP FLITE GROUND CREW AND SYSTEMS TRAINING SPREAD THE WORD:

TOP FLITE L AUNCH KIT & ANNOUNCEMENTS MARKETING TECH TOUR:

GET TO KNOW YOUR TOOLS, IMPORT YOUR DATABASE AND SET UP AUTO CAMPAIGNS PRODUCTS AND PROGRAMS:

GET ORIENTED TO YOUR TF PRODUCTS TOOLBOX

Connected & Optimized Tech Stack

SEAMLESS CX

+ BETTER CONVERSION + MORE REFERRALS

+ CUSTOMER RETENTION / REFI

= Measurable ROI

R E L AT I O N S H I P S | C U S TO M E R | CO M M U N I T Y | G OA L S

Your customer.

TO P F L I T E H O M E LO A N S

The center of it all.

COMPETITIVE PRICING | DEAL STRUCTURING EXPERTISE ROBUST PRODUCT OFFERINGS

When it comes to your customer, it simply boils down to trust. Building on our guiding principles of honesty, excellence and consistency, we work hard to earn and keep your trust every day.

R E L AT I O N S H I P S | C U S TO M E R | CO M M U N I T Y | G OA L S 12

A B O V E A L L : YO U .

Products For Every Customer & Opportunity BOTTOM LINE, IF WE DON’T HAVE IT, WE’LL GO AFTER IT.

From niche markets to mainstream solutions, solutions, we provide the flexibility and creativity you need to expand your reach and better serve your clients.

- MATT CORNETT, COO

Government-Backed Loans • • • • •

FHA Loans VA Loans

USDA Loans

Home Affordable Refinance Program (HARP)

Nationwide Down Payment Assistance (DPA)

Flexible Credit & Alternative Options • • •

•

Conventional and High-Value Loans

•

• • •

Conventional Loans Jumbo Loans High balance

Fixed-Rate and Adjustable-Rate Mortgages (ARMs) Purchases and Refinances

Investor and Non-QM Loans

State and local DPA loans

•

Sub 580 FICO Loans

•

•

Specialty Loan Programs • • • • •

DSCR (Debt Service Coverage Ratio) Loans

•

Self-Employed Bank Statement Loans, asset based.

•

Non-QM Loans

P&L

• • • • •

Reverse Mortgages (HECM)

First-Time Home Buyer Mortgages Dream Saver

Manufactured Home Loans Renovation Loans 2/1 Buydowns

Cash Out Options Signature Loans

Foreign National ITIN

Non-Warrantable Condo and Condotel HELOCs

New Construction

13

LICENSED TO DO BUSINESS IN

A+

42 STATES

RATING ON BETTER BUSINESS BUREAU

FANNIE MAE DIRECT LENDER

• •

HUD APPROVED LENDER

•

VA AUTOMATIC LENDER

•

USDA NATIONAL LENDER

Community TO P F L I T E H O M E LO A N S

Rooted in purpose purpose..

YOU’LL BE PART OF A TEAM THAT’S COMMITTED TO PHIL ANTHROPY AND COMMUNIT Y IMPACT, ENSURING YOUR WORK LEAVES A POSITIVE MARK BEYOND THE TRANSACTION.

MAKE AN IMPACT WHILE BUILDING YOUR CAREER You’re not just helping individuals secure their homes—you’re helping build hope for those without one.

ALIGN YOUR CAREER WITH YOUR VALUES Top Flite encourages our Loan Officers to have a community mindset when promoting your business. Our marketing team will support you in local events, advertising and sponsorships.

R E L AT I O N S H I P S | C U S TO M E R | CO M M U N I T Y | G OA L S 16

A B O V E A L L : YO U .

Top Flite offers a place where your work can align with your values. You’ll help families achieve homeownership while knowing that every loan contributes to creating safe shelter for others.

- TRACIE BAISE

HOMELESSANGELS.ORG 17

Your goals.

TO P F L I T E H O M E LO A N S

You have our full attention. attention.

YOUR GOALS MATTER TO US AND WE ARE DEDICATED TO HELPING YOU ELEVATE YOUR CAREER AND PERSONAL FULFILLMENT. WHETHER IT’S NAVIGATING COMPLEX DEALS, DRIVING PROFESSIONAL GROWTH, OR ESTABLISHING NEW REALTOR AND REFERRAL PARTNERS, YOU HAVE OUR ATTENTION.

R E L AT I O N S H I P S | C U S TO M E R | CO M M U N I T Y | G OA L S 18

A B O V E A L L : YO U .

Imagine...

a leadership team that listens and acts. Our decision-makers are always within reach to provide the support and guidance in growth strategies, including: BUSINESS PLANNING PERSONALIZED 1 ON 1 COACHING SALES STRATEGIES DEAL STRUCTURING RECRUITING / TEAM BUILDING DEVELOPING NEW MARKETS BUSINESS TO BUSINESS PLANS BUILDING REALTOR RELATIONSHIPS

19

TO P F L I T E H O M E LO A N S

Above all...

20

A B O V E A L L : YO U .

you.. you

Let’s talk more about what matters most to you you..

21

517.655.2140

learnmore@tfhomeloans.com 201 School Street | Suite 200 Williamston, MI 48895 At Top Flite, we believe homeownership is the foundation of strong communities. Rooted in purpose, we provide personalized mortgage solutions that not only help you build your future but also give back to those in need. A portion of every loan we fund helps provide safe shelter for families facing housing instability.

©2025 Top Flite Financial, Inc. dba Top Flite Home Loans. NMLS# 4181 | (Consumer Access - Browser Warning ) 201 School St, Ste. 200, Williamston, MI 48895. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Not all loan products are available in all states. It cannot be combined with other offers. Not all borrowers will qualify. Top Flite Financial is not associated with the government, and our service, including HUD or FHA, is not endorsed by the government. Top Flite Financial is not acting on behalf of or at the direction of HUD, FHA, or the federal government. This advertisement is for information purposes only.

0725249