1. Who is Loan Home ?

2. Our Market

3. Our Uniqueness3. Our Uniqueness

4. Affiliate Compensation

5. What’s in it for you?

• Loan Home IS NOT:

– A bank

– A mortgage broker

– A lender

• Loan Home IS:

– A consumer oriented online mortgage lead

company

– We match people who are looking for

competitive mortgages with major banks

that provide them

1. Homeowners search online

2. Online company sells the leads to banks

3. Banks pay for leads

4. Banks pay again after closings

Where do the banks get the money to pay for the leads?

5. Originating bank sells mortgage to servicing lender

Servicing Lender

Fees: Interest portion of your payment

Example: $2,000 payment =

$1800 a month interest charges

Online Mortgage Co. / Originating Bank

Fees: 1.5% - 2% of mortgage amount

Example: 300k mortgage =

$4500 to $6000 in closing costs

Who gets paid when a mortgage transaction is done?

Who carries ALL the costs?

Do you think the homeowner should get paid too?

• 60+ Million homeowners in the United States

• 30 Million potential homeowners

• Average consumer refinances every 2.7-3.5 years

• During 2008 (one of the worst mortgage years on • During 2008 (one of the worst mortgage years on

record) 9.4 million single-family mortgage transactions

were recorded and does not include townhomes,

condos, etc.

• 2010 may be the biggest year ever for single family

mortgage transactions! ~ Mortgage Bankers Assn , Financial Times 2010

2. We send lead to bank for FREE

1. Homeowners search online

3. Bank pays us after close(approx. ratio is 40% of homeowner’s normal

closing costs that are paid back as a fee for lead)

Doesn’t it make sense for the Homeowner to get paid too?

4. We pay Homeowner (and the individual or organizational partner who referred them, without adding any extra

cost to the loan!)

All things being equal.

If a homeowner could get the same mortgage, with the same rate, payment and terms but

Loan Home was the only company to pay them up to $1,539.00 for their mortgage lead…

Where would most people go for their mortgage?

ForForForFor----ProfitsProfitsProfitsProfits

ssss

16 million

NonNonNonNon----ProfitsProfitsProfitsProfits

2 million 16 million

1. As an Employee Benefit program

2. As a Customer Rewards/ Thank you program

2 million

1. As a Fundraising program

2. We cost them No Additional Overhead or administrative costs

3. ALL funds are unrestricted

Our Unique Affinity Partner Program:

Is FREE and it allows these organizations to offer a valuable benefit to their members without incurring additional administrative costs.

NonNonNonNon----ProfitsProfitsProfitsProfits

ForForForFor----ProfitsProfitsProfitsProfits

1. Commissions on Qualified Loan Leads

2. Annual Bonuses on # of Qualified Loan Leads units

3. Training Bonuses3. Training Bonuses

4. Monthly Base Pay Bonus

Generated personally via web

Qualified

Lead

Range

Home

Owner

Paid

Affiliate

Per QLL

25 Qualified

Loan Leads

50Qualified

Loan Leads

100Qualified

Loan Leads

200Qualified Loan

Leads

500Qualified Loan

Leads

250,000 $800 $440 $11,000 $22,000 $44,000 $88,000 $220,000

Generated via an organizational partner you set up

250,000 274,999

$800 $440 $11,000 $22,000 $44,000 $88,000 $220,000

Qualified

Lead

Range

Home

Owner

Paid

Affiliate

Per QLL

25 Qualified

Loan Leads

50Qualified

Loan Leads

100Qualified

Loan Leads

200Qualified Loan

Leads

500Qualified Loan

Leads

250,000 274,999

$800 $280 $7,000 $14,000 $28,000 $56,000 $112,000

On Qualified Loan Lead Units done within your Agency

Qualified Loan

Leads Annual Bonus

Qualified Loan

Leads Annual Bonus

50-100 $7,000 551-600 $108,000

101-150 $15,000 601-650 $118,000101-150 $15,000 601-650 $118,000

151-200 $25,000 651-700 $128,000

201-250 $35,000 701-750 $139,000

251-300 $43,000 751-800 $150,000

301-350 $50,500 801-850 $158,000

351-400 $61,500 851-900 $167,000

401-450 $73,000 901-950 $175,000

451-500 $85,000 951-1000 $187,000

501-550 $100,000 1001+ $200,000

Training Bonuses Monthly Base Pay Bonus

Tier

CDA

$247

BDA

$399

1 $50 $84

Result Points

CDA 1

BDA 2

2 - 7 $10 $16

8 - 12 $3 $3

QUALIFIED LEAD 3

PERSONAL

QUALIFIED LEAD6

�Base Pay Bonus = $3,000.00�Bonuses are based on point totals

� 35 total points (5 must be personal) � Must be a Director�Directors can earn multiple Bonuses per month�Base Pay Bonuses (aka. Comp Plan A) is in lieu of Loan Lead commissions, Annual Bonuses and Training Bonuses

�Paid based on CDA and BDA training enrollments.

�Bonuses paid to you based on your personal and team enrollments within 12 tiers.

�Paid on enrollments in all 50 states

If your agency does 20 loans per month you make $105,000/yr.

How many homeowners would like for their mortgage lead?

1. Homeowner/Free Referral Affiliate/Organizations = Free

2. Consumer Development Affiliate = $247• CDA Loan Home Academy Training Program

• Web Marketing

• Small Businesses under 25 employees• Small Businesses under 25 employees

3. Business Development Affiliate = $399• BDA Loan Home Academy Training Program

� Includes ALL CDA training material and support +

� Large Business Employee Benefits Program

� Large Business Customer Rewards

� Large Non-Profit Fundraising Program

If you could make money on the internet from mortgage transactions that are going to happen anyway, would you want to try?

(@ s i t e o f Pe r s on who r e fe r r ed you )

( f r om you r own ba c k o f f i c e )

Can you think of any reason why you wouldn’t want to try?