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Step inside and learn why Mortgage Capital Partners is the place for you.

HANDS ON

At Mortgage Capital Partners, the entire At Mortgage Capital Partners, the entire loan process takes place IN HOUSE.

• IN HOUSE PROCESS• IN-HOUSE PROCESS•Originate, process, underwrite, draw loan docs and fund all within our offices.

•APPRAISAL MANAGEMENT COMPANY•Our in-house appraisal management company contracts with a panel of pre-screened professional appraisers.•Appraisers with extensive local knowledge and experienceAppraisers with extensive local knowledge and experience.•Insures that valuation process is performed by an individual who possesses the highest qualifications possible.

EXPERIENCE OUR EXPERTISE

We have been providing financing for We have been providing financing for homebuyers since 1983.

• Delegated for all Fannie Mae and Freddie Mac Products and a Direct • Delegated for all Fannie Mae and Freddie Mac Products and a Direct Endorsed HUD (FHA) lender with on-site underwriting for all product lines.• Preferred lender for many realtors, business managers and CPAs in Los Angeles.• Team of skilled loan officers with an average of 20 years experience, work in a collaborative environment where expertise is shared.• Our entire staff from receptionist to funding manager operates as a cohesive unit in order to provide unsurpassed communication along with cohesive unit in order to provide unsurpassed communication along with outstanding service.

OUR WINNING PRODUCTS & PARTNERSPRODUCTS & PARTNERS

Our array of products and partnersprovide you the loan officer anprovide you, the loan officer, an

arsenal of solutions to offer clientsthe best products available at the the best products available at the

best rates.

PRODUCT HIGHLIGHTS

22 Correspondent Options and 22 Correspondent Options and Wholesale Lenders Available

• In-House Delegated Underwriting to $3,000,000

P h l l i i 25 d• Purchase loans closing in < 25 days

•Direct Endorsed HUD (FHA) lender

PRODUCT HIGHLIGHTS

Flexible Income & Assets•No Tax Returns (Bank Statement Loan)

•Alternative documentation for self employed borrowers

Flexible Income & Assets

•Alternative documentation for self-employed borrowers

• Asset utilization (depletion) program (total assets divided by 84

months)months)

• Pay off debt to qualify

• Business funds allowed for down payment on a case-by-case p y y

basis

• Non-Occupant Co-borrower allowed with full blended ratios

PRODUCT HIGHLIGHTS

Specialty Niche Products

• Hybrid ARMs – 40-year interest only or 30-year fully amortized options

Specialty Niche Products

•Refinance a property that has been recently listed

•90 day purchase flips OK with unlimited increase in value

•Allowable trust types: Blind, Revocable, Irrevocable Family, and Qualified Personal

•Recoup of funds from all cash purchase aka “delayed financing”

•Foreign National Programs

PRODUCT HIGHLIGHTS

Flexible LTV/CLTV

• 97% financing available with PMI & condos

Flexible LTV/CLTV

• 97% financing available with PMI & condos

• Max CLTV of 89.99% when combine loans are $1,500,000 or less.

•Seller or private money 2nd are allowed, in many cases up to 90% CLTV

• 95%LTV with no MI (conforming limits)

PRODUCT HIGHLIGHTS

Condo’s & Investment

• Condos with no budget or HOA certification requirements

Condo s & Investment

• Condos with no budget or HOA certification requirements

• No adds to the rate for condos, high rise condos or cash out refinances

• Unlimited cash out on owner-occupied investment properties and second homes

• Investment Property Loans – Purchase, No Cash Out and Cash Out Refinances

• Interest only products for owner-occupied, 2nd home, and investment properties

BANKING & WHOLESALE PARTNERSPARTNERS

COMPREHENSIVE MARKETING PLATFORMMARKETING PLATFORMOur cutting-edge marketing platformOur cutting edge marketing platform

works to build & strengthen relationshipsand to keep you top-of-mind with

clients, prospects and referral sources.

• Long term commitment to client service and retention.Long term commitment to client service and retention.

• 5-year post-close client retention marketing campaign.

• Internet, E-mail, and Conventional Marketing

CO-BRANDED MARKETING

Ability to include Realtor CPA or Business Ability to include Realtor, CPA or Business Manager within co-branded in-process and post-close marketing campaignsand post close marketing campaigns

• “Partners In Success” referral source co-branded marketing.

• Homeowner receives 22 co-branded post cards during

5-year post close campaign or customized schedule.

• Provides free marketing and added value for your referral Provides free marketing and added value for your referral

sources.

Extensive Variety of Co-B d bl FlBrandable Flyers

From loan comparison open house flyers From loan comparison open house flyers to homebuyer education, our library of

flyers is available to your customized useflyers is available to your customized use.

• Open House Flyer – co-brandable with realtor, 3 loan options Open House Flyer co brandable with realtor, 3 loan options

• Homebuyer Mortgage Guide

• Educational – Interest Rate, rent vs own, loan mechanics,

credit related, etc.

NEIGHBORHOOD HOME ACTIVITY REPORTSACTIVITY REPORTS

Homeowners are always curious to Homeowners are always curious to know what homes are selling for

i th i i hb h din their neighborhood

• Marketing system proactively tracks local home sales ( 5 mile • Marketing system proactively tracks local home sales (.5 mile

radius) then communicates this critical information to your

clients via email every 90 days.

• All marketing branded with your personal information and is

sent from you.

JUST LISTED ALERTS

Our custom marketing system will tell Our custom marketing system will tell you when any of your past clients list

their home for saletheir home for sale

• Opportunity to reach out to client regarding loan on any • Opportunity to reach out to client regarding loan on any

new purchase.

• Reach out to original realtor to provide them with opportunity

to gain listing or represent client in new purchase.

Refinance Alerts

You are alerted when a refinance You are alerted when a refinance opportunity exists for any past clients.

• Real-time monitoring of existing client mortgage rate in Real time monitoring of existing client mortgage rate in

relation to national average rates.

• Notification when rate differential between national average

and client rate is more than .5%

Credit Soft Pull Alerts

Real time credit pull monitoring for all Real-time credit pull monitoring for all past clients.

• Real-time notification when any past clients have a Real time notification when any past clients have a

mortgage-related credit pull.

• See if your past clients are about to work with another lender.

• Provide opportunity to re-connect with past clients.

POST-CLOSE MARKETING PROGRAM SCHEDULEPROGRAM SCHEDULE

4TH OF JULY POSTCARD EXAMPLESPOSTCARD EXAMPLES

ANNUAL REVIEWPOSTCARD EXAMPLESPOSTCARD EXAMPLES

Social Network Marketingg

Our team will work with you to setup Our team will work with you to setup your social networking accounts with

Facebook Twitter and LinkedInFacebook, Twitter, and LinkedIn.

• We will post updates on your behalf that are from you.We will post updates on your behalf that are from you.

• Housing & Mortgage news to friends and followers.

• Maintains presence with social networks.

• Relevant, current information to your connections.

•Updates sent 1-2 times per week.

Loan Officer Website

You are provided with a full Loan Officer You are provided with a full Loan Officer website.

• Secure online loan application.Secure online loan application.

• Blog

• Contact and Quick Quote forms.

• Can be integrated with pre-existing domain name.

Marketing Training Programg g g

Weekly training sessions to strengthen Weekly training sessions to strengthen your skills.

• Realtor marketing training.Realtor marketing training.

• Email newsletter training.

• Customer relationship management.

LOAN OFFICER TRANSITION TEAMTRANSITION TEAM

Our transition team will work with you toOur transition team will work with you todesign a personalized marketing program,

notify your database regarding yournew contact information and trainyou on our products, systems and

proceduresprocedures.

Our full-time in-house marketing team isghere to help you to expand your business!