Issuu

Yes You Can June 2022

BUILDING SUSTAINABLE WEALTH THROUGH HOMEOWNERSHIP

Issue 2, Vol. 1

R A B T E I N L E G C

First Time

First Time Homebuyer

First Time

Second Ti

Homebuy

me Homeb

uyer

Homebuye

First Time

Homebuy

Alabama, California, Connecticut, Florida, Georgia, Nevada, North Carolina, Maryland, Missouri and South Carolina meb

iT me Ho

yer

mebu

e Ho irst Tim

mebuy st Time Ho

Fir

First Time Hom

ebuyer

Second Time Homebuy

(855) 855-HOME MyHomeLegacy.com 844-466-8669

Panorama Mortgage Group, LLC dba LEGACY Home Loans is an Equal Housing Opportunity Lender, Corp NMLS 133739 and is licensed to do business in the following states: AL, AZ, CA- Licensed by the Department of Financial Protection and Innovation under the California Finance Law License., CO, CT, DC, DE, FL, GA- Georgia Residential Mortgage Licensee., IA, ID, IL- Illinois Residential Mortgage Licensee., IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ- licensed by the N.J. Department of Banking and Insurance, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, and WY. All Loans are Subject to Credit and Property Approval.

PUBLISHER & PRESIDENT/CEO Ben Slayton BSlayton@MyHomeLegacy.Com

MAGAZINE Published Quarterly 6623 Las Vegas Blvd. South Suite F-200 Las Vegas, NV 89119 (702) 425-3374 Email: YesYouCan@MyHomeLegacy.Com

SENIOR V.P. RETAIL LENDING Nick Gouche’ Ngouch@MyHomeLegacy.Com

V.P. OF MORTGAGE OPERATIONS Shirley Miller SMiller@MyHomeLegacy.Com

MARKETING MANAGER Gina Graham Ggraham@MyHomeLegacy.Com

SUBSCRIPTIONS

This is a FREE publication that is produced for the benefit of LEGACY Home Loans, for its potential customers, existing customers, real estate professionals, loan officers, and other mortgage industry professionals including but not limited to loan closing and settlement agents who are conducting business with LEGACY Home Loans. Yes You Can Magazine is a digital quarterly magazine that is sent directly to our subscribers’ computer. The magazine is produced in a paper format only for the attendees of a LEGACY Home Loans First-time Homebuyers Seminars and other similar type seminars and/or webinars. To opt-out of receiving Yes You Can Magazine, please send your request to ”UN-SUBCRIBE” with your name, company name, and email address to: SubscriptionsYesYouCan@MyHomeLegacy.Com

ADVERTISEMENTS

To Inquire about advertising in Yes You Can Magazine, please contact Bennie Slay, Director of Advertisement & Business Development at Yes You Can Magazine at: (702) 425-3374 or at: ADSYesYouCan@MyHomeLEGACY.Com.

EDITORIALS / ARTICLES

To submit an article for consideration in Yes You Can Magazine, please send an email to: ArticlesYesYouCan@MyHomeLegacy. Com. We are interested in original writings relevant to the mortgage industry and First Time Home Buying experience, from different points of views from mortgage loan originations to the real estate professional of the home purchase experience, and from the closing and settlement agents from the loan closing experience.

Yes You Can Magazine POLICY

The information and opinions expressed by contributing authors and advertisers within Yes You Can Magazine do not necessarily reflect those of Panorama Mortgage Group, DBA LEGACY Home Loans management and/or its employees and should not be considered as an endorsement or recommended by Panorama Mortgage Group, LLC, DBA LEGACY Home Loans.

LEGACY Home Loans Licensed Loan Originators Piere Brown Antayvia Walker Richard White Tricia Riddley Chris Francis Tamika Peterkin Tony Bryant Benita Brailsford Fred Hamilton Albert Obannon Charles Wilson James Gardner Tim Haskins Timisha Haskins Rene Guy Dafina Miller Todd Simon Netfa Wray

ALABAMA

Regional Manager Loan Officer

CALIFORNIA Loan Officer Loan Officer

CONNECTICUT

Branch Manager

FLORIDA

Branch Manager

GEORGIA

Regional Manger Loan Officer Loan Officer Loan Officer

MARYLAND

Branch Manager

MISSOURI

Branch Manager

NEVADA

Branch Manager Loan Officer Loan Officer Loan Officer

252885 2107341 236471 267138 12463 1425701 63354 200164 207339 200310 235731 237661 1116876 1688894 12463 1720961

NORTH & SOUTH CAROLINA

Portia McClurkin

Regional Manager Regional Manager

986584 946055

Loan Officer

1064862

CELEBRATING

Juneteenth

Juneteenth (officially Juneteenth National Independence Day and also known as Jubilee Day, Emancipation Day, Freedom Day, and Black Independence Day)

uneteenth is now a federal holiday in the United States commemorating the emancipation of enslaved African-Americans. It is also often observed for celebrating African American culture. Originating in Galveston, Texas, it has been celebrated annually on June 19 in various parts of the United States since 1865. The day was recognized as a federal holiday on June 17, 2021, when President Joe Biden signed the Juneteenth National Independence Day Act into law. Juneteenth’s commemoration is on the anniversary date of the June 19, 1865, announcement of General Order No. 3 by Union Army general Gordon Granger, proclaiming freedom for enslaved people in Texas, which was the last state of the Confederacy with institutional slavery. President Abraham Lincoln’s Emancipation Proclamation, issued on January 1, 1863, had freed the enslaved people in Texas and all the other Southern secessionist states of the Confederacy except for parts of states not in rebellion. Enforcement of the Proclamation generally relied upon the advance of Union troops. Texas, as the most remote state of the former Confederacy, had seen an expansion of slavery and had a low presence of Union troops as the American Civil War ended; thus, enforcement there had been slow and inconsistent prior to Granger’s announcement. Although the Emancipation Proclamation declared an end to slavery in the Confederate States, it did not end slavery in states that remained in the Union. For a short while after the fall of the Confederacy, slavery remained legal in two of the Union border states – Delaware and Kentucky. Those enslaved people were freed with the ratification of the Thirteenth Amendment to the Constitution, which abolished chattel slavery nationwide on December 6, 1865. The last enslaved people present in the continental United States were freed when the enslaved people held in the Indian Territories that had sided with the Confederacy were released, namely the Choctaw, in 1866. Celebrations date to 1866, at first involving churchcentered community gatherings in Texas. They spread across the South and became more commercialized in the 1920s and 1930s, often centering on a food festival. Participants in the Great Migration out of the South

June 17, 2021, President Joe Biden signs the Juneteenth National Independence Day Act into Law.

carried their celebrations to other parts of the country. During the Civil Rights Movement of the 1960s, these celebrations were eclipsed by the nonviolent determination to achieve civil rights, but grew in popularity again in the 1970s with a focus on African American freedom and African-American arts. Beginning with Texas by proclamation in 1938, and by legislation in 1979, each U.S. state and the District of Columbia have formally recognized the holiday in some way. With its adoption in certain parts of Mexico, the holiday became an international holiday. Juneteenth is celebrated by the Mascogos, descendants of Black Seminoles who escaped from slavery in 1852 and settled in Coahuila, Mexico. Celebratory traditions often include public readings of the Emancipation Proclamation, singing traditional songs such as “Swing Low, Sweet Chariot” and “Lift Every Voice and Sing”, and the reading of works by noted African-American writers, such as Ralph Ellison and Maya Angelou. Some Juneteenth celebrations also include rodeos, street fairs, cookouts, family reunions, park parties, historical reenactments, and Miss Juneteenth contests. When Juneteenth became a federal holiday on June 17, 2021, it was the first new federal holiday since Martin Luther King Jr. Day was adopted in 1983. YYC

Lift Every Voice and Sing Song by J. Rosamond Johnson and James Weldon Johnson Lift every voice and sing Till earth and heaven ring Ring with the harmonies of Liberty Let our rejoicing rise High as the listening skies Let it resound loud as the rolling sea Sing a song full of the faith that the dark past has taught us Sing a song full of the hope that the present has brought us Facing the rising sun of our new day begun Let us march on till victory is won Stony the road we trod Bitter the chastening rod Felt in the days when hope unborn had died Yet with a steady beat Have not our weary feet Come to the place for which our fathers sighed? We have come over a way that with tears has been watered We have come, treading our path through the blood of the slaughtered Out from the gloomy past Till now we stand at last Where the white gleam of our bright star is cast God of our weary years God of our silent tears Thou who has brought us thus far on the way Thou who has by Thy might Led us into the light Keep us forever in the path, we pray Lest our feet stray from the places, our God, where we met Thee Lest, our hearts drunk with the wine of the world, we forget Thee Shadowed beneath Thy hand May we forever stand True to our God True to our native land Our native land

CELEBRATING

,0$/ ' *0.$)" $) ) ' ) Fannie Mae’s threeҊ4 - ,0$/ ' *0.$)" $) ) ' ) . &. /* &)* & *2) --$ -. ! 4 ' & #*( *2) -. ) - )/ -. /#-*0"# +$'*/ .*'0/$*). /# / - (*1 0)) .. -4 * ./ ' . /* !$-./Ҋ/$( #*( *2) -.#$+ ) .. /* !!*- ' Ѷ ,0 '$/4 - )/ ' #*0.$)"ѵ

What’s in the Plan #-

# / $)!*-( *0- /$*). ' & *).0( -.

!* 0. - .ѷ

• *0.$)" +- + - /$*)ѷ '+$)" ' & *).0( -. +- + - -'4 !*- .0./ $) ' #*( *2) -.#$+ ) .. /* ,0 '$/4 - )/ ' #*0.$)" /#-*0"# - $/ 0$' $)" ) !$) ) $ ' 0 /$*)ѵ • 04$)" *- - )/$)"ѷ )* &$)" *2) --$ -. ' & + *+' ! $) .#*++$)" !*-Ѷ ,0$-$)"Ѷ - )/$)"Ѷ *- (*-/" "$)" #*( ѵ • *1$)" $) ) ( $)/ $)$)"ѷ (+-*1$)" /# $)!- ./-0 /0- *! .0./ $) ' #*( *2) -.#$+ .* #*( *2) -. ) - )/ -. ) 2$/#./ ) $.-0+/$*). *- # - .#$+. ) - ( $) ./ '4 #*0. ѵ рц /$*).ѷ # /#- Ҋ4 - ' ) $) '0 . !!*-/. /* )# ) #*( 04 - 0 /$*)Ѷ - $/ '$"$ $'$/4 $))*1 /$*).Ѷ ) #*0.$)" ./ $'$/4 +-*"- (.ѵ

+ $ ' 0-+*. - $/ -*"- (.ѷ -*+*. . - /$)" + $ ' 0-+*. - $/ -*"- (. җ .Ҙ /* . -1 .+ $!$ - . *! ) ) *++*-/0)$/4Ѷ .0 # . *2) + 4( )/ ..$./ ) ѵ

&. /* - .. +- . )/Ҋ 4 * ./ ' . rooted in housing’s history of racial $. -$($) /$*) — * ./ ' . /# / ( )4 *).0( -. ! Ѷ )*/ %0./ ' & #*( *2) -. ) - )/ -.ѵ / Ҋ -$1 ) .*'0/$*). Choices are grounded in the “Black housing journey,” a researchҊ . -* ( + *! /# --$ -. /* ,0$/ ' #*0.$)" ! 4 ' & *).0( -.ѵ ) 0./-4 ) ./ & #*' - )" " ( )/ !' /. $)+0/ !-*( 2$ -- 4 *! $) 0./-4 ./ & #*' -.Ѷ ) *)/$)0 + -/) -.#$+ ) *'' *- /$*) 2$'' .. )/$ ' /* $/. .0 ..ѵ

рц /$*). .+ ) -*.. /# #*0.$)" %*0-) 4 *0.$)" +- + - /$*) рѵ сѵ

$'*/ ) 3+ ) 0'/$! ($'4 )/ ' 4( )/ +*-/$)" Pilot Options to Defray/Decrease Renter’s Upfront 0-$/4 +*.$/.

)/$)" *- 04$)" тѵ $'*/ + $ ' 0-+*. - $/ -*"- (. җ Ҙ – *2) 4( )/ ..$./ ) Ѷ 3+ ) '$"$ $'$/4 /0- . уѵ $'*/ 0 '*.$)" *./. фѵ 3+ ) ++- $. - $1 -.$/4 )$/$ /$1 җ Ҙ хѵ 3+ ) 0/0- *0.$)" -. җ Ҙ цѵ 0$' ) 0) # ))$ *( *2) -.#$+ 0 /$*) 0--$ 0'0( җ *( $ 2 Ҙ чѵ 3+ ) '$"$ $'$/4 ) .. /* - $/ !*- - $/Ҋ )1$.$ ' *--*2 -. җ 0) # .#Ҋ '*2 ) -2-$/$)" * ' $) ҸҘ шѵ 3+ ) *+/$*) ) . " *! )/ ' +*-/$)" $) рпѵ )# ) '$"$ $'$/4 ) ) -2-$/$)" 1$ )/ ' +*-/$)" /* - $/ 0- 0. җ )$/$ /$1 Ҙ ррѵ 0) # '*.$)" *./ ' 0' /*- **' рсѵ 3 0/ '0 /$*) * -)$5 /$*) !!*-/.

*1 $) ) ( $)/ $) ртѵ руѵ рфѵ рхѵ рцѵ

$'*/ — ./ $)" )"*$)" 0 /$*) о *0). '$)" $'*/ — ./ Ҋ*) /0- . -*1$ '$( / ) '4/$ . /* !! / *((0)$/$ . 3+ ) *0). '$)" -1$ . !*- *--*2 -. ) )/ -. $)" - .#$+ -*1$ )"*$)" 1 -.$"#/ *! -1$ - *- - ) ҝ *( / )/$*) !!*-/. җ 0 )/$!4 $.+ -$/$ . о *.. $/$" /$*) 0/ *( .Ҙ

Ҷ спсс ))$ Ҟ ./ 0+ / 0) спсс

,0$/ ' *0.$)" $) ) ' ) # #*0.$)" %*0-) 4 * - !$) *0- !* 0. ) +-$*-$/$5 *0- /$*). $) /#$. ' )Ѷ 2 1 '*+ *).0( -Ҋ )/-$ !- ( 2*-& /# / .+ ). '' .+ /. of a typical consumer’s housing lifecycle. We call this framework the consumer housing journey.

# ' & *).0( - 3+ -$ ) # !$-./ 0. . 2 . /* ++'4 /# #*0.$)" %*0-) 4 /* ' & *).0( -.ѵ # ' ) 2 . $)!*-( 4 3/ ).$1 - . - # $)/* /# ' & *).0( - 3+ -$ ) Ѷ 2#$ # #-*)$ ' . /# ( %*- #*0.$)" # '' )" . ' & + *+' ! -*.. /# $- #*0.$)" %*0-) 4ѵ

4 * ./ ' .

# #*( *2) -.#$+ " +

*0- ѷ ( -$ ) *((0)$/4 0-1 4 спрш

)/ -. --4 #$"# - .# - . *! #*0.$)" *./ 0- ).Ѷ - /$)" --$ -. /* . 1$)".ѵ

( '' - . 1$)". !*- +*./Ҋ+0- # . ( $)/ ) ) Ѷ ) /0- ' $. ./ -.Ѷ *- $) *( $.-0+/$*).ѵ

& *! (*) 4 !*- . 0-$/4 +*.$/.Ѷ *2) + 4( )/.Ѷ '*.$)" *./.ѵ

*2 - - $/ . *- . ) - $/ $)1$.$ $'$/4ѵ

# / ) 4*0 *Ѽ р

/# !0'' - +*-/ ) /- & *0- +-*"- .. *) /# ,0$/ ' *0.$)" $) ) ' ) + " ѵ

# *0/ /* 4*0- ))$ *0)/ / ( /* .& ,0 ./$*).ѵ

Ҷ спсс ))$ Ҟ ./ 0+ / 0) спсс

)/$!4 /$*). 2# - 4*0 ) + -/) - 2$/# 0. /* $(+' ( )/ѵ

The History Of The National Homeownership Month

ost Americans had no way of really owning a home in the 1800s. Mortgages became common only after the U.S. banking system came into being after the 1860s National Bank Acts. During the time of the Great Depression, the banks did not have any money to lend and the average borrower didn’t have any cash. As a result, people couldn’t afford to buy homes, while existing homeowners often failed to pay their debt. To stabilize the housing market, the U.S. government created the Home Owners’ Loan Corporation in 1933, the Federal Housing Administration in 1934, and the Federal National Mortgage Association (now known as Fannie Mae) in 1938. All these institutions took homeownership to new heights and helped prevent a crash in the housing market. What changed the face of the housing industry, along with that of the American economy, was the G.I. Bill of 1944. This bill provided subsidized mortgages for the veterans of World War II. However due to housing discrimination, deed restrictions and redlining prohibited Black from participating in the homeownership boom from the G.I. Bill. From another milestone in the history of American housing came when Congress passed the Fair Housing Act of 1968. The Act was signed by President Lyndon B. Johnson and banned discrimination in housing based on religion, race, gender, and national origin. It came into being

only a few days after the assassination of Martin Luther King, Jr. In its 87 years of existence, the Federal Housing Administration (FHA) has saved America an almost $4 trillion loss of household wealth. It has helped more than 44 million citizens to become homeowners. However, most Black were not among the 44 million citizens who became homeowners because of the discrimination practices that took place in those days, and they were unable to participate in the $4 trillion household wealth that was saved by FHA and Blacks were not among the 44 million citizens who became homeowners. National Homeownership Week began in 1995, which was a strategy of the administration under President Bill Clinton to increase homeownership across America. Later, in 2002, President George W. Bush expanded the period of observance from a week to the entire month of June. National Homeownership Month reinforces the belief that owning a home is one of the steps towards achieving the American dream and retaining sustainable wealth. National Homeownership Month is in June. It celebrates the value that owning a home brings to families, communities, and neighborhoods across America. By becoming a homeowner, people get a step closer to the American dream. This month also shares the joys of being a homeowner, which can encourage others to achieve the same thing. YYC

NATIONAL HOMEOWNERSHIP 5 FACTS ABOUT MONTH FAQS HOMEOWNERSHIP THAT YOU How many homeowners were in the U.S. in MAY NOT KNOW 2020? In 2020, the homeownership rate (proportion of households occupied by the owner) in the United States was 65.8%.

1. The burden of cost persists One-third of America’s 119 million households are cost-burdened, which puts more than 30% of their incomes towards housing charges and costs.

Do Millennials buy houses? Most millennials rent. In fact, with time, more and more millennials are planning to rent forever. 69% of millennials said that they opted for renting because they can’t afford to buy a house.

2. Pay for housing The average American family spends $1,573.83 on housing expenses every month as stated by the 2016 Consumer Expenditure Survey. 3. Equal then, more now If the rate of Black homeownership today was the same as it was in 2000, there would be 770,000 more Black homeowners in America.

What is the average age of first-time homebuyers in the U.S.? 34 years. Since buying a home is one of the costliest decisions, if not THE costliest decision, in the life of a person, the average age of a firsttime homebuyer in America is 34 years.

4. More dropouts than graduates? Homeownership in the U.S. is less for a Black college graduate than for a white high school dropout.

WHY NATIONAL HOMEOWNERSHIP MONTH IS IMPORTANT

5. There is a 30% housing Gap between Blacks and Whites. Only 4 out of every 10 Black Families own the home that they live in. In contrast 7 out of every White Family own the home that they live in, hence the 30% homeownership gap.

1. It’s for a better future Homeownership expands your options for the future. You can plan to sell and make a profit or leverage your home equity and pay for other big expenses.

2. It’s for the benefit of a community Homeownership is closely tied to the economy. When home sales rise, jobs go up too. And together, these forces contribute to a stable economy on the local-, state-, and national level. 3. It’s for a sense of belonging Homeownership gets a person more invested in their community. Getting involved in activities and volunteering for charity and other events adds to a sense of belonging that is much greater than for a person who is just renting.

Our 5-H Society Principles HONEST

This person is free from fraud or deception, they are legitimate, and Truthful, they are Genuine, and they are Reputable and Respectful, and they are real decent people.

HUMBLE

This person is not Proud and doesn’t see him or herself as being better than other people.

HARD WORKER

This person is constantly, regularly, and habitually engaged in earnest and energetic; work and they are industriously diligent.

HUNGRY FOR SUCCESS

A person who has a burning desire, or a craving or an urgent need to succeed beyond their wildest dreams.

HUSTLE

A person whose work ethic, is exercised with energetic effort within an aggressive manner and with endless energy to obtain their personal or business goals.

Corp NMLS #133739

WELCOME HOME

From the Managers of:

L E T T E R

F R O M

T H E

PRESIDENT

Ben Slayton Thank you for taking the time to read through this brochure. magazine. Our mission is to empower the African American Community throughout the United States with a focus on Building Wealth through Homeownership and leaving Family Legacies. We are seeking like-minded mortgage professionals to join our team to help further our mission. Our goal is to Lend 1-Billion Dollars in mortgage loans to African American Homebuyers by 2023 and to fund 1-Billion Dollars and more of mortgage loans to African Americans every year thereafter. For this to happen we need to locate African American Mortgage Professionals who are interested in our mission and who have the attributes of what I call, our 5-H Society. You are Honest, Humble, a Hard worker, and Hungry for Success beyond your wildest dreams, and you have the Hustle to make it all happen. Mortgage professionals who possess the 5-H’s, together we can help close the 30% homeownership gap that now exists between Black America and White America. If 50% or more of your loan production is made to African Americans, LEGACY Home Loans is a company that I would like for you to give serious consideration to, when you are considering a move. We can show you how you can be Financially successful personally and at the same time do good, by helping African American families into homeownership at the same time. I hope you will find this brochure magazine helpful in your decision-making process and if you have any questions, feel free to contact me directly at (702) 425-3374. To your success,

BEN SLAYTON CEO & President

Toll Free 844-466-3669

MyHomeLEGACY.com

OUR LEADERSHIP TEAM Ben Slayton President & CEO

Ben Slayton, a 55-year veteran of the mortgage industry who has built several mortgage and mortgage-related companies and sold them to publicly traded companies. Today, Ben is the President and CEO of LEGACY Home Loans, a Mortgage banking firm whose Mission is to increase the homeownership of Black Americans. Slayton was also the first Black REALTOR® in America in 1964, the first Black owner/broker of a CENTURY 21 franchise in 1968, the first of (any race) to be approved as a Freddie Mac Multifamily Program Plus Seller/Servicer in the U.S. in 1986, and he’s a member of the Panorama Mortgage Group, LLC Board of Directors which oversees 8 different mortgage brands.

Nick Gouche’ Sr. Vice President & National Production Manager Nick Gouché is one the most accomplished Mortgage Bankers of the past decade. Named in the Top 1% Mortgage Professionals in the United States by both Mortgage Executive Magazine and Scotsman Guide for multiple years. In his career as a Loan Originator, Nick had helped over 1,000+ families achieve the American Dream of Homeownership producing personal production of nearly half of billion dollars in funded volume.Nick has been an Originator, Producing Branch Manager and Regional Vice President. He has coached and cultivated multiple six figure income earners in this business and has led regional lending producing over $100 million in volume. Nick now serves as Senior Vice President at Legacy Home Loans charge with leading their retail growth strategies, outreach and long term development by both attracting and developing the highest caliber of mortgage talent who possess the Humility, Hunger, Work ethic and integrity to win. A devoted husband, father, philanthropist, entrepreneur and life member of Kappa Alpha Psi Fraternity, Inc. Nick lives and breathes a lifestyle of service, and humility, with an explosive combination for hunger and success.

Shirley M. Miller MBA Vice President of Operations Shirley Miller was born in a small town in rural Texas. She is a mother of four (one daughter and three sons), she is a grandmother of fourteen (five granddaughters and nine grandsons) and a great grandmother of two granddaughters which all of which she considers her greatest gifts therefore has a strong sense of family values. Ms. Miller has a tenue of 40+ years in the mortgage industry starting out as a receptionist. She obtained her first designation with FHA as a direct endorsement underwriter in the early 80’s. In the early 90’s she owned a mortgage brokerage with a staff of fifteen people consisting of loan officers, processors, closers and a receptionist. She obtained all designations for Conv, FHA, VA, Jumbo. USDA and Non-QM mortgage programs. Positions she held in this industry are processor, processing manager, underwriter, VP of underwriting, regional underwriting manager, operations manager, sales manager and Head of Underwriting & Closing. After all her family obligations were depleted (the children were all on their own), she decided to go to college for the first time in 2009 and by 2012 had earned a BA in Business. In 2014 she obtained her MBA in Business with a 3.8 GPA. Ms. Miller created a personal mission of dedicating a strong commitment her grandmother taught her at an early age, keeping her word. Her goal is to educate under privileged high school graduates and existing young people in the mortgage industry to become support staff for loan officers, Jr. processors, processors and underwriters, shippers, and insurers in the mortgage industry. She has a plethora of experience in developing processing and underwriting loan flow standards for all Single-Family lending platforms. She also has experience in all lending guidelines, Conv, FHA, VA, Jumbo. USDA and Non-QM mortgage programs. Shirley believes strongly in hard work, persistence, communication, commitment, and teamwork.

WE'RE LOOKING FOR EXPERIENCED MORTGAGE LOAN PROFESSIONALS LEGACY Home Loans, the nation’s largest Black Led Mortgage Banking firm, who has a mission to empower the Black community throughout the United States with a focus on building sustainable wealth through homeownership and leaving family legacies, is seeking to expand its reach by opening new branch locations in the following cities: Atlanta GA, Baltimore MD, Chicago IL, Detroit MI, Memphis TN, and Philadelphia PA, over the next 120 days. We are seeking experienced loan officers and branch managers who are also Mission Driven and Motivated to Serve the Customer Base of the Black and Underserved Community, to join LEGACY Home Loans. If you have the heart and mind to serve our community and you have the attributes of the members of our 5-H society which are: 1). Honest; 2). Humble; 3). Hard Worker; 4). Hunger for success and 5). You Have the Hustle to make things Happen, then we are interested in talking with you about making LEGACY Home Loans your new home. Want to learn more about LEGACY Home Loans and our mission, I invite you to visit our website at: www.MyHomeLegacy.Com or just pick the phone and call me directly at: (702) 425-3374, I will personally answer the phone. Ben Slayton, President, and CEO. Panorama Mortgage Group dba LEGACY Home Loans is committed to providing equal opportunities to all employees and applicants without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identify or expression, or any other characteristics protected by federal state, or local laws. This policy applies to all employment practices within our organization, including recruiting, hiring, discipline, termination, promotion, transfer, compensation, benefits, training, leaves of absence and other terms and conditions of employment.

WHY DID I JOIN LEGACY HOME LOANS? forfor a few reasons; oneone is that we we are are a beacon of hope II chose chose LEGACY LEGACYHome HomeLoans Loans a few reasons; is that a beacon of hope in our Community. Our community has been marginalized, things have been stolen, in our Community. Our community has been marginalized, things have been stolen, and we independence, and building sustainable wealth thru and we don’t don't understand understandfinancial financial independence, and building sustainable wealth homeownership. The second reason is that LEGACY Home Loans is the vehicle to help thru homeownership. The second reason is that LEGACY Home Loans is the vehicle change the narrative in our communities across theacross nation the andnation so I feltand the so obligation to help change the narrative in our communities I felt theto be a part ofto that in the Southeast obligation be in a my partarea, of that in my area, inregion the Southeast region.

Todd Simon

Regional Manager - SC

For me the the choice choicewas wasvery verypersonal, personal, I went down path of homeownership, asas I went down thethe path of homewonership, Mr. Mr. Todd Simon Simonguided guidedme methru thruthe theprocess process and believed in it more than I believed and believed in it more than I believed in it in it myself. Theopportunity opportunity pay that forward another family is myself. The toto pay that forward andand do do thatthat for for another family is amazing. amazing. Now that of I’m a LEGACY part of the LEGACY I open up see a loan, Now that I’m a part the family, whenfamily. I open When up a loan I don’t stats.I don't What I see is numbers don’t see stats, what I and see in is a place familywhere playing incan the earn backyard, a family Iplaying in the backyard, they equity.and I seeina a place where theygroceries earn equity. I see a mother carrying intotothe house and mother carrying into the house and for me nowgroceries to continue build my legacy for me now to continue to build my legacy is all about helping others build theirs. is all about helping others build theirs. Wayne Whitmore Loan Officer - SC

You have haveto toask askyourself yourselfwhy why not LEGACY Home Loans. Talking about You not LEGACY Home Loans. Talking about BlackBlack Excellence, Excellence, at least striving for Black Excellence. youlike have Legend alike Ben at least striving for Black Excellenve. When you have When a Legend Bena Slayton, young Slayton, a young upcoming brother like Nick Gouche who has done big things in upcoming brother like Nick Gouche who has done big things in this industry, who is this in thistoindustry, whowhy is there to mentor you, why notend LEGACY. Because end of there mentor you, not LEGACY. Because at the of the day, we’re at allthe trying theleave day, awe're all so trying leaveway a Legacy, better to work on leaving to Legacy, whattobetter to worksoonwhat leaving youway legacy than working for your legacy than working for a company that's geared to show you how to leave a a company that’s geared to show you how to leave a legacy. I’m very excited about the legacy. I'm excited and very excited about the opportunity. opportunity.

Demont Mathis

Branch Manager - TX

I joined joined LEGACY LEGACYHome HomeLoans Loans because overall mission of company. the company. I’ve because of of thethe overall mission of the I’ve been been for 20 about 20and years and of thebanks bigger banks that Ifor, worked I a doingdoing this forthis about years in all of in theallbigger that I worked I neverfor, saw corporate wheresetting everyone looked like melooked and welike all have the we same mind. never saw setting a corporate where everyone me and allgoal haveinthe To help notin only families, but families Black families that no one else could help, and same goal mind. To help but not only families, Blackpotentiually families that no one that’scould why Ipotentially joined. else help, and that's why I joined. Netfa Wray Branch Manager - NC

II had Home Loans. LEGACY Home Loans game me me had not no other other choice choice but but to tojoin joinLEGACY LEGACY Home Loans. LEGACY Home Loans gave the opportunity I always look for in my life and career. LEGACY’s mission is to help the the opportunity I always look for in my life and my career, LEGACY's mission is to community build a legacy, wealth, andwealth, give opportunities to people who not help the community buildbuild a legacy, build and give opportunities tomay people have had opportunities So, withbefore. that in mind, I had noin other choice become who may not have hadbefore. opportunities So, with that mind, I hadbut noto other achoice proudbut member of LEGACY Home Loans. to become a proud member of LEGACY Home Loans. James Gardner

Branch Manager - MO

THE NEW FACE OF

LENDING OUR MISSION

To empower the African American community throughout the United States with a focus on building sustainable wealth through homeownership and leaving family legacies.

NMLS #133739

UBUNTU What is Ubuntu? There is a word in South Africa – Ubuntu – a philosophy that describes a oneness in humanity; that we as a collective people can achieve our shared aims and goals in life if we each do our part to accomplish them. In fact, Nelson Mandela and Bishop Desmond Tutu used this word -Ubuntu- to unite all of South Africa to end apartheid.

It is a word that means – I AM BECAUSE WE ARE.

At LEGACY Home Loans, we believe for our company to be GREAT each person on our team must be GREAT. If one team member is not performing at a level of excellence then no one is. It is in the spirit of -Ubuntu- that each person a part of this lending family commits themselves to the highest level of Greatness. We believe if each person has the spirit of UBUNTU we will build a world-class organization.

At LEGACY, Ubuntu is a way of Life.

WHAT OUR CLIENTS ARE SAYING ABOUT OUR SERVICE

Satisfied Clients

L E G A C Y

M I S S O U R I

B R A N C H

G R A N D

O P E N I N G

APPRECIATION

free drinks, food & live entertainment Sponsored by

James Gardner

St Louis Branch Mgr

Meet our Special Guests

Ben Slayton

President/CEO

Nick Gouche

Sr. Vice President

Todd Simon SC Regional Mgr

First Black Realtor in America

When

THURSDAY JUNE 23, 2022 | 6:00 PM

Where THE ATRIUM

ONE CITY PLACE DRIVE ST. LOUIS, MO 63141

ENTERTAINMENT BY JAZZ VIOLINIST ANDREA BELL DARRIS

DO YOU HAVE YOUR LOAN YET? Our Mission

To Empower the African American Community Throughout the United States with A Focus on Building Sustainable Wealth Through Homeownership and Leaving Family Legacies. Toll Free (844) 466-3669

Visit MyHomeLEGACY.com

OUR TEAM LEGACY BUILDING SUSTAINABLE WEALTH THROUGH HOMEOWNERSHIP AND LEAVING FAMILY LEGACIES.

Albert O'Bannon

Loan Officer | NMLS 200310 D: (404) 454-9706

Charles Wilson

Branch Manager | NMLS 235731 D: (410) 963-5992

David Grimball

Branch Manager | NMLS 1717779 D: (424) 501-6041

Netfa Wray

Branch Manager | NMLS 946055 D: (856) 979-9163

Antayvia Walker

Loan Officer | NMLS 2107341 D: (404) 901-7056

Chris Francis

Branch Manager | NMLS 12463 D: (860) 335-4791

Fredrick Hamilton

Loan Officer | NMLS 207339 D: (404) 242-0193

Pierre Brown Jr.

Branch Manager | NMLS 252885 D: (205) 527-6826

Benita Brailsford

Loan Officer | NMLS 200164 D: (404) 966-2680

Dafina Miller

Loan Officer | NMLS 1720961 D: (951) 973-0123

James Gardner

Branch Manager | NMLS 237661 D: (314) 452-7552

Portia McClurkin

Loan Officer | NMLS 1064862 D: (757) 470-2456

OUR TEAM LEGACY BUILDING SUSTAINABLE WEALTH THROUGH HOMEOWNERSHIP AND LEAVING FAMILY LEGACIES.

Rene Guy

Loan Officer | NMLS 1945031 D: (626) 788-1937

Tim Haskins

Branch Manager | NMLS 1116876 D: (661) 992-7005

Tony Bryant

Regional Manager | NMLS 63354 D: (404) 384-6439

Waiting On You To Join The Family!

Richard White

Loan Officer | NMLS 236471 D: (213) 840-2692

Timisha Haskins

Loan Officer | NMLS 1688894 D: (702) 670-0518

Tricia Riddley

Sr. Loan Officer | NMLS 267138 D: (214) 499-0677

Waiting On You To Join The Family!

Tamika Peterkin

Branch Manager | NMLS 1425701 D: (904) 228-0141

Todd Simon

Regional Manager | NMLS 986584 D: (803) 638-1041

Wayne Whitmore

Loan Officer | NMLS 2087984 D: (803) 463-0243

Waiting On You To Join The Family!

www.MyHomeLegacy.Com

(844) 466-3669