Top Flite Financial - High Level Overview

The Top Flite Financial Difference • Who is Top Flite Financial?

• How TFF operates • Programs we offer • Technology pieces • Support

Who is Top Flite Financial • Established in 2002, privately owned and headquartered in Williamston Michigan.

• Licensed in 36 states.

• A fully delegated correspondent lender, offering a full line of mortgage products for all types of borrowers.

• We work with an emphasis on compliance and ethics, receiving the BBB Torch Award for ethics in 2020.

• We are a growing company. In our 20 year history we have been on the INC 5000 list 8 times!

At a Corporate Level

How TFF Operates

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Licensing, onboarding, initial setup and ongoing training New hires, accounting and HR services IT Services Lender Works LOS/Encompass support Experienced processing team QC, Underwriting, Closing and Funding (for Delegated loans, Non-del still QC close and fund)

Branch Level • • • • •

Operates on true branch P&L Originate, submit, and complete all loan functions via Encompass 360 Pricing, scenarios and guidelines thru Optimal Blue Weekly payroll, files are paid the following Friday after closing Get paid for referrals in non-licensed states with corporate referral system • Partner with and compensate local banks and credit unions thru our unique branch/broker TPO program

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Programs We Offer: Delegated • Conventional purchase and refinance to 620 • FHA purchase/refi to 620 • FHA refinance to 540 • VA down to 580 • USDA • JUMBO • Nationwide DPA (coming soon)

• FHA purchase/refi to 500 FICO (No score available)

Programs We Offer: NonDelegated

• Reverse mortgages (HECM) • FHA 203k loans

• One Time Close construction loans • Full Non-QM offerings • Bank Statement programs (personal and business) • DSCR • Asset depletion • Credit event

The Technology Advantage •

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Encompass 360 •

Everything in one place, pricing, AUS, MI quotes, fraud guard, MAVENT, all at the click of a button.

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Fully integrated with our mobile app, ability to send/retrieve docs and disclosures.

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Work in the same system as the UW, closer, funder. You see what they see!

Hole N 1 •

Application>Pre-Approval>Disclosures>Signatures>Conditions all in your client’s hand!

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All client communication information and file info with LO mobile access.

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Auto client reminders for open requests, cut down on your texts and emails!

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Customizable features for referral partner notifications

Candor & Loanbeam •

Full income and asset review with no subject property/disclosures.

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Have your loan an appraisal and title away from closing.

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Have your client submit the strongest offer, great for competitive markets!

Optimal Blue •

Fully integrated pricing into Encompass will all file details pre-filled for quick accurate pricing.

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MI quotes from multiple agencies at the click of a button, pre-selecting the lowest price!

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Quote>Click>Lock all in one place all in Encompass.

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Branch Support • Transition team to get you up and running • One on one training for all TFF operations and loan processes • Compliance, IT, and System Support all an email away • Transparent, current, independent branch P&L • Sales staff to assist in recruiting and branch growth • Marketing tools and resources offering flexibility for todays environment • Full contact list of corporate staff. Yes, the underwriters too!

How do I join?

• Complete your branch P&L with a TFF sales team member.

• Complete a background check and begin license transfer.

• Setup your location with lease, phones, etc.

• Get trained on Encompass and TFF loan process.

• Setup all your technology pieces.

• Get your team signed on and start closing loans!