eagle presentation aug 2015

TAKE YOUR

CAREER TO

NEWHEIGHTS

GETWHAT YOU

NEED TO REACH

YOUR FULL POTENTIAL

■ STABILITY■ A CULTURE OF SUPPORT■ FLEXIBILITY■ RESOURCES

succeedateagle.com 1

STABILITYWe’re a member of a Fortune 500 family of companies that has been a leader in real estate and financial services since 1954.

2 succeedateagle.com

EAGLE HOME MORTGAGE IS A MEMBER OF THELENNAR FAMILY OF

COMPANIES

WHY LENNAR IS HERE TO STAY:■ Exceeding expectations for 60 years■ 2nd largest U.S. homebuilder with 7.8 billion in revenues■ Ranked #364 on Fortune 500 list■ Over $500 million in cash and cash equivalents■ Business line diversification: investment management,

commercial investments, originations, securitization (Rialto Capital Management, LLC); multi-family apartment complex development; joint venture mixed use communities (Five Point Communities)


EAGLE HOME MORTGAGE EAGLE HOME MORTGAGE

PART OFLENNAR FINANCIALSERVICES

EAGLE HOME MORTGAGE NORTH AMERICAN

TITLE GROUP, INC.

UNIVERSAL AMERICAN MORTGAGE COMPANY LENNAR’S IN-HOUSE LENDER

We are one of the only Fortune 500/S&P 500 companies vertically integrated into thereal estate market.


LENNAR HISTORICAL HIGHLIGHTSA History of Quality,Value and Integritysince 1954

1954 Gene Fischer and Arnold Rosen form F&R Builders in Miami, Florida.

1956 Leonard Miller invests $10,000 and becomes co-owner of F&R Builders; Leonard Miller and Arnold Rosen become partners.

1969 F&R Builders acquires its first commercial property, in Miami Beach; F&R’s equity base reaches $1 million.

1971 Leonard and Arnold combine their names to rename the company LENNAR. Lennar Corporation becomes a public company, with an initial offering of $8.7 million.

1972 Listed on the New York Stock Exchange. (NYSE: LEN) Enters Arizona homebuilding market in Phoenix, with acquisition of Womack Development Corp. and MasterKraft Homes.

1976 Opens its first Active Adult Community: Kings Point in Delray Beach, Florida.

1977 Co-founder Arnold Rosen retires, continues to serve as a Director.

1981 In response to the S&L crisis, expands mortgage financing business with Universal American Mortgage Company (UAMC).

1982 Expands into Southwest Florida, with acquisition of Royal Homes in Fort Myers. Equity base reaches $100 million.

1984 Expands in Palm Beach County, Florida, with acquisition of H. Miller & Sons.

1985 Enters the title service business by establishing Universal Title Insurors, Inc.

1986 Acquires largest competitor, DCA Homes, and becomes Florida’s largest homebuilder.

1987 Begins the tradition of its Associates wearing Name Badges.

1989 Acquires Richmond American Homes in Orlando and Tampa, Florida. Introduces “Everything’s Included” marketing platform; homes include thousands of dollars in extras at no extra charge.

1991 Enters the Texas homebuilding market in Dallas/Ft. Worth. Acquires AmeriStar Financial Corporation, expanding mortgage services into California.

1992 In a joint venture with Morgan Stanley, acquires $1 billion Amerifirst real estate portfolio.

1993 In a joint venture with Lehman Brothers, acquires $2 billion Westinghouse loan portfolio.

1994 Equity base tops $500 million. Begins tradition of Associates reciting “The Little Red Hen” poem from memory.

1995 Acquires Village Builders and Friendswood Development Company in Houston, Texas from Exxon. Enters recovering California markets with acquisition of Bramalea California, Inc.

1996 Expands California homebuilding presence in Sacramento and Southern California with acquisition of Renaissance Homes, Coto de Caza, Stevenson Ranch and 2,800 homesites in Huntington Beach. In partnership with Morgan Stanley, acquires $420 million real estate portfolio. Acquires Regency Title in Houston, Texas.


LENNAR HISTORICAL HIGHLIGHTScontinued...1997 Stuart Miller elected President and CEO. Completes spin-off to its shareholders of commercial and real estate investment and management business, named LNR Property Corporation. Merges with Pacific Greystone. Enters Nevada homebuilding market in Las Vegas. Further strengthens California presence with acquisition of West Venture Homes, 2,700 homesites in North Natomas Community and 800 homesites in San Diego. Becomes master developer of billion dollar, 5,000-acre Mare Island Navy Base, a partnership with city of Vallejo.

1998 Acquires North American Title Company. Acquires Winncrest Homes, ColRich Communities and Polygon.

1999 Acquires Southwest Land Title. Acquires Eagle Home Mortgage, based in the Pacific Northwest.

2000 Lennar acquires U.S. Home and doubles in size. Enters new markets in Colorado, Minnesota, New Jersey, Maryland and Virginia.

2001 Builds 500,000th home with Habitat For Humanity and Special Olympics; Donates 500,000th home to family with special needs. Named to Fortune 500.

2002 Enters North and South Carolina homebuilding markets with acquisition of Sunstar Communities and Don Galloway Homes. Strengthens presence in Baltimore, Maryland with acquisition of Patriot Homes and B. Andrews Homes. Acquires Sentinel Title Corporation of Baltimore, Maryland. Strengthens Arizona, California and Colorado presence with acquisition of The Genessee Company and Cambridge Homes.

2002 Enters Illinois homebuilding market in Chicago with acquisition of Summit Homes and Concord Homes.

2003 Acquires Seppala Homes of Greenville, South Carolina. Further expands California presence by acquiring Coleman Homes of Bakersfield. Mid American Title Company of Chicago, Illinois joins Lennar Financial Services.

2004 Jon Jaffe named Chief Operating Officer. Enters San Antonio, Texas market with acquisition of Connell-Barron Homes. Enters Jacksonville, Florida market with acquisition of Classic American Homes. Acquires Newhall Land & Farming Company, a leading Southern California community developer in North Los Angeles County.

2006 Rick Beckwitt joins Lennar as Executive Vice President.

2007 Rialto Capital Management, a private real estate management investment company, is founded.

2009 Introduces FivePoint Communities, Inc., an independent real estate development company jointly owned by Lennar Corporation and Emile Haddad.

2010 Launches new commitment to energy efficiency and technology with Everything’s Included Homes. Enters Georgia homebuilding market in Atlanta.

2011 Rick Beckwitt named President of Lennar Corporation; Stuart Miller remains Chief Executive Officer. Introduces North American Advantage Insurance Services for all Lennar homebuyers. Enters the Portland, Oregon and Seattle, Washington homebuilding markets. Lennar Multifamily Communities is introduced, specializing in the creation of luxury rental apartment communities

2012 Introduces NEXT GEN - The Home Within A Home - designed especially for multi- generational families.

2013 Eagle Home Mortgage doubles its number of branches to 80 over a two-year period. UAMC/Eagle Home Mortgage ranks among the nation’s top 10 lenders in retail sales, according to Scotsman Guide.

2014 Lennar Financial Services acquires Pinnacle Mortgage Group, Inc. Lennar Commercial is introduced, specializing in the development, investment and management of retail, mixed-use and commercial properties.

...and more to come!


EAGLE IS A

NATIONAL BRAND

In April 2014, we acquired Pinnacle Mortgage Group, Inc.,

expanding our presence in California and Colorado

We have more than doubled our branches

in just 4 years

PUT OUR GROWTH TO WORK FOR YOU WITH ACCESS TO A

LARGE AND GROWING REFERRAL NETWORK

$7.8BIN SALES REVENUE

RANKED 364ON

FORTUNE 500 LIST


STRATEGICALLY EXPANDING INTO NEW STATES

GEOGRAPHICEXPANSION

■ Licensed


2

$6,142,318,010

$5,282,316,707

$4,429,878,663

$2,931,909,891

FY2011 FY2012 FY2013 FY2014

$6,000,000,000

$5,000,000,000

$4,000,000,000

$3,000,000,000

$2,000,000,000

$1,000,000,000

OUR STORY OF GROWTHSALES VOLUME

OVER 100% INCREASE IN

SALES VOLUME 2011–2014


2

24,205

22,328

19,691

13,785

2011 2012 2013 2014

25,000

20,000

15,000

10,000

5,000

OUR STORY OF GROWTH FUNDED UNITS


CULTURE OF

SUPPORT

A FUN ENVIRONMENT AND COLLABORATIVE CULTURE

THAT PUTS THE LOAN OFFICER AT THE CENTER OF ALL THAT WE DO.


OUR MISSION OUR CORE VALUES

OUR VISIONEmpowering our associates to become the nation’s premier mortgage service provider Accountability

TeamworkCustomer SatisfactionAssociate Fulfillment

Enriching lives through a dedicated commitment to home ownership


YOUR PERSONAL

ONBOARDING CONCIERGE

SUPPORT

DEDICATED SUPPORT TO MAKE YOUR TRANSITION AS SMOOTH AS POSSIBLE

■ Begins at pre-employment – hit the ground running!■ Assistance with:

• License transfer• Database transfer and I’ve Moved postcards• Business cards• And more…

■ Continued support through first 90 days


BE A ONE-STOP SHOP

With these options at your fingertips, you’re the only resource your business partners will need.

BROAD SPECTRUM OF STANDARD AND NICHE PRODUCTS


LEVERAGE OUR

REPUTATION

DIRECT SELLER TO SECONDARY

MARKET

Bypass restrictive overlays and make more deals happen.

Eagle’s outstanding track record positions us as a trusted partner to:■ Fannie Mae■ Freddie Mac■ Ginnie Mae


THRIVE IN AN ENTREPRENEURIAL CULTURE

BE EMPOWERED TO MAKE DECISIONS

■ Flexibility of a broker with the strength of a bank■ Accessible leadership team that listens■ Fast answers when you need them

ENTREPRENEURIAL

Flexibility of a broker with the strength of a bank


LOAN SUPPORTFOR COMPLEX SCENARIOS

TEAM OF LICENSED ORIGINATORS ASSISTS WITH:■ Guideline clarifications■ Niche production selection■ Unusual scenarios ■ Condo/project/leasehold approvals■ Escrow holdback approvals■ Trust review and approval■ Complex pricing scenarios and niche product pricing

Need assistance structuring a deal? A wealth of information is a phone call away.

Receive a response within two business hours; most inquiries answered within minutes.


Leverage our marketing team and automated tools, so you can focus on doing what you do best— selling loans!

FULL-SERVICE IN-HOUSE

MARKETING TEAM

PROVIDING MULTIFACETED

SERVICES AND TOOLS

Digital advertising & social mediaEvent supportOpen house toolsPrint, billboard and radio adsBranded promo itemsPostcards & flyers


PROMOTING THE EAGLE BRAND

We create marketing materials to promote our corporate brand as well as your personal brand.

Alaska Airlines Magazine

LOCAL AND REGIONAL ADVERTISING SUPPORT

TRID Toolkit and Video

Personalized Landing Pages


EVENT MARKETING

SHINE AT YOUR EVENTS WITH A

CONTEMPORARY BOOTH SETUP,

BRANDED GIVEAWAYS AND COLLATERAL

Attract and capture valuable leads to build your business.

Portable Banner Stands


RELATIONSHIP-BUILDING SUPPORT

■ Twice a month Realtor email newsletters

■ Realtor-targeted ads■ Co-marketing options for

flyers and postcards■ Co-branded open house flyers

TOOLS TO ENHANCE YOUR KEY PARTNER RELATIONSHIPS


COMPREHENSIVE SOCIAL MEDIA

PRESENCE

Top 11% “Likes” in the financial

services category.

Each branch has its own Facebook page

Use your branch Facebook page to directly engage your community.


STATE OF THE ART CUSTOMER RELATIONSHIP MANAGEMENT SYSTEM

■ Contemporary, high quality oversized postcards and html email campaigns

■ Comprehensive, effective campaigns targeting past customers, prospects and business partners.

■ Robust, automated Post Close program ■ Thank you and anniversary postcards■ 2 consumer and realtor newsletters

per month ■ Fold over Birthday Cards for borrower

and co-borrower

Contemporary Creative Campaigns

“I’ve Moved” Cards

Auto Campaigns Email Marketing Reminders Mobile Optimized Closing Gifts


LEAD AND DATABASEMANAGEMENTTOOLS

■ Import and export contacts easily from Outlook & other CRM Systems

■ Assign lead rankings and set reminders using a simple star system

■ Easily add referral sources to contacts and generate customized business partner reports.

■ Automated loan process milestone videos keep your customers and business partners up-to-date.

■ Comprehensive html email reporting

1 Pick from among hundreds of creative options for customers, prospects and business partners.

2 Easily search for the set of contacts/referral sources you want to target.

3 Schedule your mailings at the appropriate intervals

RECURRING “SET-IT AND FORGET IT” CAMPAIGNS EASY AS 1, 2, 3:

Email Reporting

CRM with Responsive Design


EXPANSIVE FLYER

LIBRARY

■ Over 200 downloadable flyers■ Option to co-brand with your

business partners■ Print or send as HTML email;

upload to Facebook ■ Content encompasses products,

services and brand/company■ Flyers continually added for new

products and services

SOARING TO SUCCESS


LOAN OFFICER WEBSITES

■ Personalized online portal for client access and marketing

■ Pre-qualification and application functionality with download to loan origination system

YOUR VIRTUAL SALES AND ORIGINATION TOOL

Direct customers and business partners to your personal web page using your unique URL.


BENEFITS, REWARDS AND RECOGNITIONWE’VE GOT YOU COVERED.


LOW PREMIUMS AND FLEXIBLE

OPTIONS

COMPETITIVE BENEFITS

PACKAGES Medical

LifeInsurance

Dental

DisabilityInsurance

Vision

Discounts on Eagle Mortgagesand Lennar Homes

Prescription Drugs

Flexible Spending Accounts

401(k) with generous company match

Discounts on services, i.e. home & auto

You can potentially save hundreds of dollars

per month in insurance premiums

due to our buying power and scale.


REWARDING PERFORMANCE EXCELLENCE

Top producers (and a guest) are rewarded with recognition and relaxing downtime; each year to a different, exciting destination.

A select group of our COE winners are selected to participate in the President’s Advisory Council, which meets off-site twice a year to share their ideas with our president.

2013

Maui, Hawaii

2014

Napa, California

2015

Oahu, Hawaii


*Requirement based on fiscal year end.

CIRCLE OF EXCELLENCE

CRITERIAUnits: 100 First Mortgage LoansMinimum Correspondent Units: 80ORVolume: $15 MillionMinimum Correspondent Volume: $12 Million

Branch Volume Volume: *125% of Branch MinimumMinimum Correspondent Volume: $24 MillionOROriginator Production: 2 or more originators qualifyORPersonal Loan Production: Same as Loan Officers

Loan Officers

Branch Managers


* Loan officers with 50% or greater purchase volume at year-end will be paid increased bps on their total volume. Those with less than 50% purchase volume will have their purchase volume doubled and paid incremental bps on this amount.

2015 PRODUCTION INCENTIVES

MORE REWARDSFOR EXCELLENCE

Total volume $18 million or

120 units

Receive an incremental

5 bps*


160 units


10 bps*


200 units


15 bps*


READY TO TAKE

YOUR BUSINESS

TO THE NEXT

LEVEL?


Visit succeedateagle.com for more on what Eagle has to offer and see video testimonials.

GROW WITH US.Opportunity awaits at Eagle. With 175% growth over the past three years alone, Eagle is now ranked fifth in retail volume nationwide* and on the lookout for driven, talented loan officers to join our team. Eagle Home Mortgage offers a mix of deep-rooted stability, flexible freedom and open access to company leaders. Our enduring success is the result of supporting and rewarding top-flight lending professionals like you. Learn more at SucceedAtEagle.com.

eagle presentation aug 2015

Real Estate