SINCE
See What’s in Store! YOUR FUTURE STARTS HERE
1972
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Company
06
Leadership
09
Discover the Difference
11
Our Core Values
12
Onboarding
14
Operations
16
Products
18
Marketing
20
Technology
22
Top Producer Benefits
23
Make Your Move
04 | COMPANY
Get to Know Us A trusted mortgage brand since 1972, The Money Store offers you the backing of a proven name and a thriving privately held lender.
Licensed from coast-to-coast1
Headquartered in Florham Park, New Jersey
Mortgages are 100% of our business
Consistently profitable through every market
We service the majority of our loans
98% customer satisfaction rating2
1. Licensed in 47 states and Washington, D.C. (not currently licensed in Alaska, Missouri, and South Dakota) 2. Based on client reviews from Experience.com for 8/1/2023 through 8/1/2024. Source: https://www.experience.com/reviews/company/the-money-store-47994
We Deliver on Promises “With 15 offers from all the major mortgage lenders in the country, I chose The Money Store. Why? The supportive culture, leadership, pricing, products, technology, and marketing are incomparable, and they continue to deliver on their promises. I truly love it here!”
John Abraham | Peoria, Illinois NMLS ID # 526102
2023 Production: 462 units | $74.8M volume 2023 Rankings: #37 nationally by Scotsman Guide | #1 IHDA Originator
The right culture makes a company feel like a home, which is why we take pride in maintaining our positive atmosphere with a philosophy of trust, respect, and support.
• Friendly and fun environment • Welcoming, diverse, and inclusive workplace • Informal yet professional vibe • Open-minded and forward-thinking mindset • Accessible, solution-oriented management • Collaborative and supportive staff • Valuable development resources and coaching calls
06 | MEET YOUR PARTNER 06 | LEADERSHIP
Meet Our Leaders Our experienced, talented, and accessible leadership team is here to support you and drive our continued innovation.
Peter Alvarez Chief Operations Officer A 39-year veteran of the mortgage industry, Peter oversees the management and growth of The Money Store while maintaining our efficiency, productivity, and successful work environment.
David Zilberman Chief Financial Officer David has 20 years of industry experience and serves as the company’s top financial strategist. His key responsibilities include secondary marketing, investor relations, product development, and sales support.
John Palmiotto Chief Production Officer John is focused on growing the business while strengthening our culture of TRS: trust, respect, and support. He draws from nearly three decades of sales experience in mortgages.
Coleen Bogle Chief Marketing Officer Coleen leads The Money Store’s marketing efforts and is dedicated to expanding and improving the promotion of our company and originators. She has over 15 years of mortgage industry experience.
Laura LaRaia Chief Legal and Enterprise Risk Officer Laura oversees company risk areas, including legal, compliance, licensing, quality control, and policies and procedures. She has more than 25 years of related experience.
Natalie Valenza Chief Credit Officer Natalie manages credit risk, oversees underwriting, addresses audits, and ensures that The Money Store originates saleable loans. She benefits from 39 years of industry experience.
Alex Thomas Chief Information Officer Alex leads the company’s technology strategy, implementation, and operations. A former mortgage originator and owner-operator, he has 29 years of experience in the mortgage tech space.
Mitzie Pagan Chief Administrative Officer Mitzie has more than 20 years of industry experience across various management roles. She directs production administration, appraisal desk, general administration, and onboarding.
Backed by the Best “One of the many factors contributing to my successful 14-year career at The Money Store is our top management team. They possess deep knowledge of the mortgage industry and consistently exhibit agility in making quick and smart decisions to adapt effectively to market shifts whenever needed.”
Kevin Zhu | Orlando, Florida NMLS ID # 215558
2023 Volume: $60.5M | Scotsman Guide Top Originator (2023)
The Flexibility to Succeed “I love our highly competitive pricing and ability to make rapid decisions as needed. We keep costs down and minimize red tape by avoiding extra layers of middle management. I also like that I can influence change at the company to quickly adapt to any market situation, product need, or procedural requirement.”
Alyssa Beller | Puyallup, Washington NMLS ID # 148938
2023 Volume: $29.2M | Scotsman Guide Top Woman Originator (2023)
DISCOVER THE DIFFERENCE
Competitive Edge By maintaining a lean organization, aggressive rates, and robust resources, The Money Store provides a strong platform to compete against lenders of all sizes. • Limited corporate overhead • Consistent and transparent pricing • Competitive margins • Vast, flexible product catalog • Direct with all agencies • Powerful technology tools
Freedom Philosophy We put trust in our originators, which is why we believe in cutting red tape and giving you greater freedom to run your business the way you want. • Minimal layers of management • Instant access to decision makers • Both retail and retail-plus models allowed • In-house custom marketing support
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OUR CORE VALUES
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Our Core Values We are dedicated to ensuring the prosperity of our company, employees, and clients through our commitment to our core principles. • Embrace change and opportunity • Deliver first-class customer service • Recruit and retain quality staff • Develop and reward employees • Pursue controlled, sustainable growth
Drive Your Business Here The Money Store embodies everything I value: competitive pricing, top notch tech tools, and strong leadership. The combination of these helps me drive my business and deliver great results to my clients and professional partners.
Amy Procaccino | Hamilton, New Jersey NMLS ID # 133607
2023 Volume: $45.8M | Scotsman Guide Top Woman Originator (2023)
12 |
ONBOARDING
Optimized Onboarding Support When you join The Money Store, our comprehensive onboarding process makes your transition quick, easy, and stress-free.
My Business Was Saved “The Money Store saved my business. Transitioning over 40 loans in just eight days from a failing bank was daunting. But they stepped in swiftly, underwriting files in hours and providing new closing documents within days. They even secured my clients the same or better rates. As a result of The Money Store going above and beyond, my reputation was preserved. Peter and David are the best in the industry!”
Shelby Weston | Oklahoma City, Oklahoma NMLS ID # 226832
2023 Production: $90.3M volume | 348 units Scotsman Guide Top Originator (2023)
Your Path to Onboarding Offer Acceptance: Transition plans and support initiated the moment you decide to join
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Marketing Prep: Marketing onboarding manager to assist you in announcing your move, setting up tech preferences, and more
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Department Welcome Call: Introduction to team members from various departments who will assist with your transition
Constant Communication: Regular updates on equipment, training, and more
Day 1 Orientation: Immediate system orientation, with ongoing training to follow
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Forever Support: Accessible managers and hands-on assistance at your fingertips throughout your career with us
14 | OPERATIONS
Top-notch Operations Our best-in-class operations team is dedicated to processing your loans quickly, accurately, and transparently so you can focus on growing your business.
• Highly efficient in-house processing and underwriting • Files underwritten in an average of 24 hours* • Loans closed in an average of 17 days* • Accessible operations leadership • Dedicated disclosure team • Common sense underwriting • TBD underwrites available • Hybrid e-closings * Based on typical business conditions and may not apply during periods of exceptional loan volume or atypical circumstances.
Top to Bottom Support “I have all the tools and support I need here. Loan processors take ownership and tackle their tasks. Underwriters work with me to discuss and restructure files instead of killing deals. Management is ready to help whenever I call. Our entire group works together to provide the level of service and urgency my clients and partners expect.”
Cristina Nunes | Brentwood, California NMLS ID # 984867
2023 Volume: $21.2M
16 |
PRODUCTS
Your Product Toolbox Win more clients and close more loans with our wide array of competitive programs, flexibilities, and pricing.
Conventional No Overlays | Agency AMI: HomeReady and Home Possible | Fannie and Freddie Direct | High-Balance | Jumbo Government FHA | VA | USDA | Ginnie Direct Housing Finance Agencies Low Down Payment | Down Payment Assistance | First-Time Homebuyer Niche ARM | Piggyback | Non-Warrantable Condo | Condotel | Second Home | Investment Home | Alt-Doc | Interest-Only | Non-QM (in-house and brokered options, including DSCR) | Adverse Credit | Foreign National Rate Lock Lock & Shop: buyer lock for up to 90 days while shopping | Extended Lock: buyer lock for up to 360 days with a sales contract | Lock & Sell: homebuilder lock on up to three properties for up to 90 days, then transfer to buyers Construction and Renovation One-Time-Close Construction | USDA Construction | FHA 203(k) Renovation | Fannie Mae HomeStyle Renovation | Renovation HELOC Refinance Cash-Out | Rate and Term | VA IRRRL | Second Mortgage | HELOC Reverse Conventional Reverse | HECM | HECM for Purchase
Builder Division Cultivate preferred lender relationships with homebuilders by leveraging our superior builder products and support.
New construction expertise in both sales and fulfillment
Extended Lock and Lock & Sell rate lock programs
Condominium approval support
MSA/desk rental setup and maintenance
Extensive builder marketing and support
Strategic Builder Products and Platforms “A successful national builder division starts with top-level commitment. The Money Store supports loan officers in the new home purchase business with strategic products and platforms. Our industry-leading rate lock products and sales and fulfillment expertise ensure our loan officers grow their business and help homebuilder partners close on time.”
Ryan Rosenthal | Builder Division Manager NMLS ID # 482510
18 | MARKETING
Marketing That Works For You Our award-winning in-house marketing agency is ready to supercharge your brand recognition and lead generation with its team of experts, array of resources, and collection of tools.
• Experienced marketing and design professionals • On-demand marketing request and technology support • Library of hundreds of print and digital marketing pieces • Custom materials by request • Automated “set and forget” email campaigns • Promo items and event support • Partner co-marketing resources
20 | TECHNOLOGY
Our Tech Stack Maximize your production and reach with our trailblazing origination and marketing technology suite.
Digital mortgage process via website or mobile app
Loan origination platform
Mortgage program guidelines search tool
Loan pricing engine
Loan servicing with your name, photo, and contact info on loan statements
Customer relationship management (CRM) and marketing platform
Don’t see your favorite tech tool? Customer satisfaction surveying, rating, and sharing platform
Automated home equity tracking service to engage partners and past clients
We’re regularly evaluating our technology to help our loan officers stay competitive.
Our Mobile App The Money Store mobile app provides a faster and more convenient home financing experience for you and your clients and partners. Originator Features:
Borrower Features:
• Issue instant preapprovals
• Apply in 10 minutes or less
• Pull credit on borrowers
• Get preapproved
• Price loans
• Access mortgage and real estate tools
• View appraisals immediately
• Scan and upload documents
• Check loan statuses
• E-sign forms
• Co-brand with partners
• View loan status
• And more!
• And more!
22 | TOP PRODUCER BENEFITS
Rewarding Our Elite Producers If you have your sights set high, there’s a place waiting for you in the Circle of Excellence – our group for top-producing originators.
• Membership earned by hitting annual volume or unit goals • Members rewarded with a group trip to a tropical getaway • Past destinations include Grand Cayman, Aruba, and Cabo San Lucas
MAKE YOUR MOVE
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Your Future at The Money Store is Waiting! Ready to make your move? Contact me today to discuss joining our team!
MLD Mortgage, Inc. dba The Money Store, NMLS ID # 1019 (www.nmlsconsumeraccess.org). Located at: 30B Vreeland Rd, Ste 200, Florham Park, NJ 07932. Phone: 973-805-2000. Licensed by the New Jersey Department of Banking and Insurance, license # 99117842. View our licensing at: www.themoneystore.com/statelicensing. View our privacy policy at: www.themoneystore.com/privacy. © 2024 MLD Mortgage, Inc. dba The Money Store. All Rights Reserved.
Check out our website! themoneystore.com
The Money Store NMLS# 1019 the_moneystore The Money Store
EQUAL HOUSING OPPORTUNITY MLD Mortgage, Inc. dba The Money Store, NMLS ID # 1019 (www.nmlsconsumeraccess.org). Located at: 30B Vreeland Rd, Ste 200, Florham Park, NJ 07932. Phone: 973-805-2000. Licensed by the New Jersey Department of Banking and Insurance, license # 99117842. View our licensing at: www.themoneystore.com/statelicensing. © 2024 MLD Mortgage, Inc. dba The Money Store. All Rights Reserved. 00280-01. 7/2024. View our privacy policy at: www.themoneystore.com/privacy.