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Who We Are… Learn more about

the long lasting tradition of Cherry Creek Mortgage Company, our

values, goals and growth strategy.

What We Do… The suite of products we provide and the manner in which we consistently deliver a great experience is

only a portion of what makes us different.

How We Do It… Our in depth

collection of tools and loan originator support sets a new industry standard.

Good vs. Great Pacific Northwest Division

“If you just help enough people get what they want you will have more than you want or need”. - Zig Zigler

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Good vs. Great In today’s purchase/relationship driven market, it is our belief that “Good” is not good enough. You have to stand out, serve, care, and execute with both consistency and

extraordinary efficiency. You have to be GREAT to thrive in this market.

What type of foundation is your business resting on? Loan Originator

Good Foundation

A GOOD retail-lending platform

must have the following:

• Correspondent Lending

• Broker Options

• In-House Underwriting

• Good In-House Product Mix

• Competitive Comp Plan

• Competitive Rates

• Fulfillment Support

A GREAT retail-lending platform

also has the following:

• Direct Seller: (Fannie/Freddie/Ginnie)

• Automated/Integrated Marketing

• Exclusive Lead Generation Technology

• All-In-One CRM System/LOS

• In-House Appraisal Solutions

• Exciting Product Suite

• Local Fulfillment/Local Decision Making

• Sales Focused Culture

• Cutting Edge Mobile Technology

• A Commitment To Deliver An Incredible

Experience For Realtors And Clients

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Who We Are. History & Growth Cherry Creek Mortgage Company (CCMC) was founded in 1987 and is nationally headquartered in Denver, Colorado. With branches throughout the US, Cherry Creek has grown to consistently rank as a Top 25 Lender in America. Much of CCMC’s success can be attributed to active and engaged leadership, talented professionals focused on long-term relationships and honoring internal and external commitments. We are most proud to share that our exciting growth and success has been accomplished while maintaining an unwavering commitment to Our Purpose and our Core Convictions. We are thankful for our success and excited about our future.

In December of 2013, Cherry Creek was proud to establish a working relationship with two well-respected mortgage leaders in the northwest. Sean McCluskey and Brian Carlsen, both former owners of the highly successful and NW based Hyperion Capital Group, are leading a strong group of professionals and are excited to bring their brand of ‘relationship lending’ to multiple channels of opportunity in the NW. With local fulfillment and the proven acumen to succeed, we are excited about taking a stand as a leader in the Pacific NW for loan officers, teammates, partners and the consumers we are fortunate enough to serve.

With over 70 branch locations across the United States, we are committed to growth. Our GOAL is to provide mortgage financing to 1 out of every 100 homebuyers in America. Our Five Core Convictions: •Committed to honesty and

integrity in all of our activities. •Passionate about serving others. •Keen to learn, adapt and

improve. •Committed to profitable growth. •Focused on managing risk.

Approved To Operate In: WA, OR, CA, ID, MT, UT,AZ,WY,CO, NM, NE, KS, OK, TX, MN, IA, MO, AR, MI, WI, IL,IN, MI, OH, TN & SC.

The Pacific NW

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Builder/Renovation Solutions FHA Streamline 203k FHA Standard 203k FNMA Homestyle Extended Rate Lock Options 1-Time Close FHA Const. Overnight Lock Protection Jumbo Solutions Fixed and ARM Options Interest Only Options Loan Amounts up to $3M Portfolio Lending Options 90% LTV No MI to $750,000 85% LTV No MI to $1,000,000 Niche Solutions Foreign Nationals Trailing Spouse Income Non-Warrantable Condos Asset Depletion Program FHA No FICO 100% Gift Funds Properties on Acreage VA IRRRL without Appraisal

Cherry Creek Mortgage is a DIRECT SELLER to Fannie Mae, Freddie Mac and Ginnie Mae. As a result we are not subject to the overlays imposed by many of the aggregator institutions. It is our philosophy that having both the direct and aggregator delivery options provides the strongest foundation for growth, flexibility and profit.

What We Do. Product Snapshot

We don’t believe in processes as much as we believe in teamwork. From top to bottom we share

in the emotion, pressures and the expectation of serving our partners and clients in an extraordinary way, always. This is what we do and the key to our many successes to date. What we do both internally and externally:

o Communicate Efficiently o Utilize Technology To Consistently Deliver o Show That We Care With Our Actions o We Work As A Team o We Have Fun o We Set Ourselves Apart Through Delivering An Extraordinary Client And

Partner Experience…On Every Transaction!

Relationship Lending

Traditional Solutions Conventional, FHA and VA FNMA Homepath FNMA My Community Lender Paid MI Options Conforming High Balance DU Refi Plus FHLMC Relief Open Access FHA High Balance FHA Streamline / VA IRRRL USDA Rural Housing High LTV/CLTV HARP options Manufactured Hm Solutions Conforming 30 Year FHA 30 Year Fixed Senior Solutions Reverse Mortgage 2nd Lien Solutions 1st and 2nd Mortgage Piggyback Avoid MI Alternative Jumbo Solutions

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Cherry Creek Mortgage believes that the appraisal process is too important to leave in the control of a third party. Our appraisal process is simple. Our branch managers know who the best appraisers are in their areas. Assignments are made in less than 24 hours. Our expectation is to provide consistently superior results with our process. CCMC’s VP of Appraisal, Scott Hamling, has over 30 years experience as an appraiser and he oversees the appraisal department. He can intercede if necessary to help get the unusual properties through the system. In-House AMC Advantages

! Cherry Creek Mortgage Company pays its appraisers full fee and for that we expect a high level of customer service.

! Cherry Creek Mortgage Company believes that the appraisals delivered from outside AMC’s are an inferior product.

! As values begin to rise it is more important than ever to know that the appraiser doing an appraisal in your marketplace is a true professional as their work is a direct reflection of the Loan Originator and CCMC.

! Third-Party AMC’s are having to charge higher and higher appraisal fees for their product, due to government regulation and collective negotiations by local appraisers.

What We Do. Appraisal Policy

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In partnership with your realtor partners, financial planners, CPA’s and insurance agents, we now have the tools you need to target and become the preferred lender for any company in the Northwest. You don’t have to wait for the consumer to come to you anymore and you can go directly to them at their workplace. Rooted In Your Community is designed to be a benefits package that any employer can offer to their employee’s at no cost to them! It’s purpose is to help reduce turn over cost and increase company productivity and moral by helping employees become homeowners and be deeper rooted in their community.

The program offers: • You as the local real estate and market expert • Providing employees real time access to 100% of the homes on the market • Co-branded website with all the resources and tools needed • Lunch & Learn classes on location in the workplace • One-on-One employee Credit Counseling and home ownership guidance • An option for the employer to offer a forgivable grant towards down payment

The Home Owner’s Market Report™ and Home Scouting Report® are free online home finding services provided directly to prospective homebuyers by Home Buyers Marketing II, Inc., a licensed real estate company and its real estate brokers as part of their ordinary real estate brokerage services. The role of the Preferred Lender is to work with the agent in the area of converting lost contacts to sales. The Preferred Loan Officer’s role is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. to use when it is searching for property listings within the buyer’s search criteria. The Preferred Loan Officer is neither an employee of HBM II, nor the provider of the Home Owner’s Market Report™ or Home Scouting Report®. ©2014 Home

Would You Benefit From Being The Preferred Lender For Local Employers In The Northwest?

How many past clients, human resource managers, or companies do you know that would love to have you teach their employees how to own a home? Imagine

having access to hundreds of captured leads with one big account.

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How We Do It. Database Management Cherry Creek is committed to helping our loan officers stand out and is well equipped to help set loan officers apart from the competition. High quality marketing material delivered automatically through our proprietary CRM system, Client Keeper, helps to ensure our loan officers are consistently staying top of mind. Cutting edge technology and systems, a committed marketing team and a genuine focus on branding our loan officers, not the company, is one of many pieces of the puzzle that we believe help to differentiate Cherry Creek Mortgage.

Build and manage your business through

automated marketing.

One of the industries most powerful consumer education

tools at your fingertips.

An intranet platform that communicates information throughout the organization

quickly and accurately.

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If you’re a loan officer and you're delivering advice to homebuyers, what do you think is going to be more valuable to you, the homebuyer and the Realtor who gave you the referral? A fee worksheet...a rate-quote? Or, would it be an interactive Mortgage Coach “experience” that you can deliver to the Realtor and homebuyer anytime, anywhere--whether that is on a desktop or a mobile device? The homebuyer and Realtor get to see your video, graphs, charts, everything a homebuyer needs to make the “right” financial decision.

REALTORS & HOMEBUYERS LOVE THE MORTGAGE COACH EXPERIENCE

Realtors love Mortgage Coach because they can just click on their mobile device. Homebuyers love Mortgage Coach because it’s not a boring, hard-to-understand “fee worksheet”! It’s the full experience: video, graphs, charts, all presented in a manner that is simple-to-understand, digestible and impactful to the entire home-buying team. If you were a homebuyer, which would you prefer?

Why Mortgage Coach?

Use a simple website to produce these interactive loan comparisons. After answering a series of simple questions regarding the transaction, you can create tailored presentations in just a few minutes. Borrowers and Realtors can use their favorite, iPhone, iPad, or Android device to access the presentation. You can quickly add a narrative video to go along with your loan comparison. This video makes the presentation more personal and easy to understand.

Only $250/YR for CCMC Loan Originators

How We Do It. Systems & Technology We make it easy for a client to do a loan with you. We provide buyers 24/7 access to their loan information in a secure location. The illustration below depicts how a Loan Originator would see a file flow through the innovative systems. If a loan application starts through the on-line loan application, all information is directly imported into the CRM tool and the loan origination software. Realtors on both sides of the transaction have access to view loan status information in real-time from the paperless fulfillment software called Relay.

A Great Fulfillment Experience!

From start to finish our loan officers have a team of committed internal partners to help ensure an extraordinary experience for their customers and partners. Simply said, our loan officers are asked to deliver a complete loan application, to set clear expectations, and to work with their process teammate to ensure a great experience. Their focus needs to be, and should be on relationships and growth…not managing the details of the transaction.

Automated Transaction Communication Our proprietary CRM distributes automatic file updates to all interested parties through the transaction. A corporate team of marketing experts has developed incredible marketing solutions for past and current clients, as well as current and prospect referral partners. The CRM tool transmits on-line application information into our Origination Software. CCMC has developed its own back-end fulfillment software called Relay. It manages all reporting needs, compliance alerts, paperless efficiencies and communication back to the origination team.

! Appraisal Ordered

! Appraisal Received

! Not-Locked / Locked Expiring

! Credit Approved

! Loan Approved

! Docs Sent

! Closing Date Scheduled

! Loan Funded

! Loan Purchased

! Loan Survey (Borr/Agent)

! Birthday (Borr-CoBorr-Other)

! Loan Anniversary

! ARM Rate Adjustment

IT Team

Our IT System allows access to the systems anywhere. Have access to loan information in real-time with mobile app.

Personal Website

No need to take 20-30 minutes over the phone to take an application. Utilize the secure LO site for all consumer applications.

Social Media Support

The corporate marketing department has dedicated personnel focused on video and social media support.

You can focus your business on new relationships rather than disclosures. All disclosure and COC documentation is done by Cherry Creek on your behalf via DocuSign Technology.

Disclosure Department

Steve Scanlon is a nationally recognized business and life coach. Invite your partners to events and leverage the exciting message Steve and his company are sharing world-wide.

Corporate Trainer - Rewire

The corporate boarding team supports all employees with their transition. They coordinate with all departments to help manage passwords, equipment, licensing, HR questions etc…

Boarding & Licensing Team

4 days on-site in Denver, CO. with executive management, team leads, and colleagues from across America. A great way to help ensure quick success!

Quick Start Training

Overnight Lock protection for purchases. No lock cut off for purchase transactions.

Lock Policy (Overnight Protection)

In house and local appraisal panel is a huge benefit to our loan originators. Full fee to appraisal partners along with service agreements that help us shine.

In-House AMC

How We Do It… Added Support

How Do Home Buyers Shop For Homes? • Eliminate “Steering” From Zillow & Redfin • 24 Hour Mobile or Computer Access • Align With Referral Partners To Find Homes • Valuable Reporting Features To Track Trends • Home Sold Report Brings Value To Past Clients

How We Do It. Shopping For Homes In today’s market it is vital that loan originators have all of the basics…tools, good communication, systems and marketing. More than those basic expectations, loan officers need to be able to deliver some ‘Extra’ tools and resources to their sphere. Past and current clients, business relationships and certainly real estate partners are all benefiting from our relationship with Priority 1. This easy-to-use and free Home Search App is helping Loan Originators to manage shopping activity. More than that, helping us create leads for our partners!

How We Do It. Sales Leadership Tools and marketing resources are important pieces to a loan originators’ business. However, we believe they are a small percentage of success when evaluating a loan origination business. The success of a high achieving loan originator is directly related to their commitment, their ability to systemize their business in a productive way, and their willingness to prospect. Non-producing sales leadership is a must in our model. Leadership focused on helping you create an actual sales system around your skillset and gifts is part of what makes us different. The Cherry Creek Way is a road map to success for you. With leadership passionate about your success it is our belief you will set a new standard and reach new heights with a partnership with CCMC.

Prospecting New Relationships Identify appropriate opportunities and attack them consistently and in a thoughtful, well planned way.

Transaction Strategies Systemize the business and deliver a winning experience to internal teammates, clients, and partners! Everytime!

Technology & Tools Be open to change, and try new ideas. Utilize available resources to help channel focus on growth.

Dedicate yourself in an organized and efficient way. Finish every single day knowing that you were not entirely reactive.

Time Blocking Define your goals and establish a methodical and concrete plan. Execute the plan with your assigned teammate.

Production Plan

Set clear expectations for yourself. What do you need/want to accomplish?

Personal Income Expectations

Copyright © 2014 Cherry Creek Mortgage Co., Inc. NMLS #3001. All Rights Reserved. The material provided here is intended for informational purposes and only for distribution to mortgage professionals—this material is not intended for distribution to consumers and does not constitute an offer to lend or to recommend available products.