residential finance corporation - culture book

RESIDENTIAL FINANCE CORPORATION

Your Opportunity Begins Here.

Residential Finance Corporation - NMLS 1652

SERVICE PROS: If you can’t get loans closed with speed, accuracy and simplicity, little else matters. Our focus is to offer efficiency in our underwriting department that meets your needs and exceeds your expectations. It is this level of professionalism that allows us to attract and retain the top producing talent in our market.

LENDING PROS: With fewer loan products available in the general market, it is important to work with a company that has access to all of the remaining programs. FHA Full Eagle certified and have VA Automatic Authority; we also offer USDA, State Housing Programs, Conforming, Jumbo, Reverse, Commercial, 203k, High Balance and more.

TRAINING PROS: Providing you with the tools for success, a roadmap to get there and instruction along the way, RFC’s training pros allow you to reach new heights and accomplish your goals.

LICENSING PROS: We have a dedicated licensing and compliance team to support you in maintaining your current licensing as well as increasing your licensing footprint.

WELCOME

Join The Team

RESIDENTIAL FINANCE CORPORATION IS AN AWARD WINNING NATIONWIDE MORTGAGE LENDER. WE

HAVE PERFECTED A SYSTEM THAT ALLOWS US TO PROVIDE OUR BORROWERS WITH FAST, ACCURATE

AND CONSISTENT SERVICE, AND WE HAVE BEEN DOING THIS SUCCESSFULLY WITH COMMITTED

ORIGINATORS LIKE YOU, PROVIDING A HIGH LEVEL OF QUALITY SERVICE SINCE 1997.

A Culture Of Excellence.


Integrity Whether you’re an IT genius,

a seasoned Loan Officer, or a

marketing guru – a career at

RFC is about under promising

and over delivering. It’s

about ensuring your actions

match your words. It’s

about returning calls right

away – to each other, to

our vendors, and to our

customers. That’s integrity.

And, integrity is never

forgetting that a home loan

is not a business transaction

– it’s the financial security of

our customers and the place

they put their children to

sleep, every night.

RelationshipA career at RFC is more

than funding loans. It’s

remembering that we are

people working with and for

people. It’s taking the time to

form deep relationships with

our coworkers, customers

and the community. It

means not only knowing

our client’s credit history but

also knowing their children’s

names and personal goals.

That takes work, and it

doesn’t happen overnight.

But it’s rewarding and it’s

worth it.

Values

Price is what you pay; value

is the tangible commodity

of what you get. Value is

more than a great interest

rate on your mortgage. It’s

closing your loan on time.

In the end, value is about

increasing the quality of life

for everyone involved in the

process – our customers,

each other, our vendors

and suppliers. We believe in

developing a bond that lasts

beyond the closing table.

FamilyWork has a tendency to

become a second home.

When we spend 40 hours or

more a week in the company of

other people, they tend to feel

like family.

At RFC, it’s no different. We

believe in our value system,

work together to achieve the

same goal, and understand

each other’s successes and

struggles.

This atmosphere allows us to

laugh, share, play and work

together. It is truly the kind of

family of which you feel proud.

We hold fast to strong core values in our business. Commitment to these values allows us to build trust with clients, because we consistently show integrity in the workplace, acknowledge success, and celebrate achievement. To achieve our mission of providing best in class service to our employees and customers, we have adopted a value system built on three key components: integrity, relationship, and value. These values create a community of people who work together toward a common goal.

ABOUT RFC

Integrity

Integrity. Relationship. Value.

Integrity Values

Relationship


OUR CULTURE

Work can be demanding. Join our team and you’re guaranteed to be challenged. We require you to go to extraordinary lengths to WOW your customers – both internal and external. We’ll expect a high level of passion, energy and dedication every day.

WORK HARD, PLAY HARD... RFC STYLE!

And for those with the heart to become a part of the RFC family – we promise you’ll never feel like a number as we strive to inspire you. We make you feel like you are a part of something bigger than just a company. We are family, and at RFC no one is a number. Every associate, in every position, can see their effect on the company, our customers and our community.

CULTURE

You spend a great deal of your life at work. Why not spend it with people who treat you like family?

What Does Culture Mean To You?

Here you’re never a number!


EXECUTIVE TEAM

Leadership Stength.David Stein, Senior Vice President & General CounselAs co-founder, David serves as Senior Vice President & General Counsel. David directs legal, regulatory and compliance efforts. He gained significant experience as a private legal practitioner with emphasis in labor and employment law, real estate and civil litigation and is a former adjunct professor of law at The Ohio State University.

Michael Isaacs, Chief Executive OfficerMichael Isaacs founded Residential Finance in 1997. Mr. Isaacs’ leadership enabled the company to increase revenue 63% over the past three years and has led to over 12 notable awards, including INC Magazine’s Fastest Growing Company, Best Place to Work, and Sales Department of the Year. His career in finance spans more than 20 years in finance and building.

Barry Habib, Chief Market StrategistBarry serves as our resident market expert providing our sales force exclusive market insights, through daily videos, sales calls and real-time bond quotes. Before joining RFC, Barry was the founder, creator and CEO of Mortgage Market Guide, which helped to interpret and forecast activity in the mortgage rate and bond markets.

Mark Fowler, Chief Revenue Officer & VP of ProductionMark leads all sales for the mortgage lender, including three operations centers and over fifty retail branch locations, nationwide. Prior to joining RFC, Mark spent the last seven years combined with LendingTree and Experian Interactive Media, as the Senior Vice President of Sales and Operations.

Daniel Jacobs, President of Retail BranchingDaniel serves as President of Retail Branching, overseeing the strategy and growth of RFC’s Retail Branching Division. He previously served as CEO of 1st Metropolitan Mortgage, a national $4 billion per year, 250 branch national originator. Named one of the “Most influential Mortgage Professionals Under 40” in 2009 & 2011.

Jessica Manna, VP & Chief Marketing OfficerJessica directs all advertising, public relations, lead generation, and interactive marketing. Previously, Jessica was a consultant at a database marketing agency serving many top mortgage banking clients. She is listed as one of Direct Marketing News’ “Top 30 [Marketers] Under 30”.

Doug Harris, Chief Operations OfficerDoug directs all lending operations from disclosure through secondary. Previously, Doug spent nearly a decade at the nation’s sixth largest bank, US Bank, where he was responsible for leadership and P&L for two of the bank’s divisions.

Alan Rabideau, Chief Information OfficerAlan directs all technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Alan’s 10 year career at RFC has led to continuous innovation and improvement,.

René Lewis, VP of Human Resources René directs all aspects of our HR and talent management programs including organizational development, benefits and wellness, compensation, and employee relations. René is a certified Senior Professional in Human Resources and a Certified Professional Behavioral Analyst. Prior to joining us, she held HR leadership positions in organizations such as The County of Orange, California and Gap Inc.

Jude Tribble, Vice President & Corporate CounselJude has served as our Senior Corporate Counsel for over two years and is in charge of directing the legal, licensing, quality-control and compliance departments. In her tenure with RFC, she has helped create a premier licensing and compliance operation, which has grown in significance and scope in recent years.


Our dedication and downright obsession with service has been recognized time and again by some of the most respected experts in their field, as well as by our peers, employees, and partner companies.

AWARD WINNING

Excellence: Our Passion, Our Obsession.

EXCELLENCE IN PRACTICEAmerican Society of Training & Development

SALES DEPARTMENT OF THE YEARAmerican Business Awards

BEST PLACE TO WORK - 6X WINNERColumbus Business First , Tampa Bay Business Journal

INC. 5000 FASTEST GROWING CO HONOREE -2XInc. Magazine

FAST 50 - 10X WINNERColumbus Business First

CORPORATE CARING AWARD - 2X WINNERBusiness First

ACHIEVEMENT IN MARKETING AWARDAmerican Marketing Association

TOP 30 (MARKETERS) UNDER 30Direct Marketing News

SPIRIT OF LENDINGTREE AWARDLendingTree

DATABASE EXCELLENCE AWARD National Center for Database Marketing


STRATEGY

Market strategy. Expert Guidance.BARRY HABIB, CHIEF MARKET STRATEGIST

Barry Habib is one of the mortgage industry’s most knowledgeable and experienced professionals. He has more than 17 years of experience in the financial industry and appears monthly on CNBC and Fox News as a financial expert. Barry has joined the RFC family as Vice President and Chief Market Strategist.

Along with his success as an originator, Barry brings the RFC family his in-depth understanding of the market and ability to forecast mortgage rate and bond markets. By offering training and one-on-one coaching and support, Barry will help originators and branch managers develop the skills to successfully create and maintain relationships with Realtors and builders in their communities.

EXCLUSIVE ACCESS TO:

• Daily Market Watch Videos• Real-time MBS Quotes• Sales Calls• Realtor Events• And more...


Tim FerrelDirector of Digital Strategy

You have a full service marketing agency at your service with over 40 years of combined marketing experience and mortgage industry specific marketing expertise. It is our goal to support your success and profitability.

MARKETING

marketing: Your success is our focus.

In-House Award Winning Agency!

JESSICA MANNA, VICE PRESIDENT & CHIEF MARKETING OFFICER

Jessica directs all advertising, public relations, lead generation, and interactive marketing. Previously, Jessica was a consultant at a database marketing agency serving many top mortgage banking clients. She is listed as one of Direct Marketing News’ “Top 30 [Marketers] Under 30” and under her direction the RFC Marketing Department has been honored to win four awards of excellence.

Corey TrujilloMarketing Director

Sean BurkeDigital Marketing Coordinator

Troy WestSenior Marketing Analyst

Karmi Van WykSr. Marketing Strategist

Annie KeenerMarketing Project Manager

Combined…

65 years marketing

experience & 28

years mortgage

experience!

Ashlee RowlandMarketing Administrative Assistant


We want you to be all that you can be at RFC, and we give you the marketing tools to ensure you reach consumers with your message of excellence and commitment.

MARKETING

marketing: endless resources.

TECHFEATURES

M A R K E T I N G L I B R A RY

• Catalog of effective and compliant collateral.• Personalized with your name and photo.• Available for Realtors and business partners as well as

customers and prospects.• Many pieces to choose from including:

• Purchase• Refinance• About Us• I’ve Moved• About your Loan Officer• Products (203k, FHA, Reverse, etc.)• And more...

• No cost, quick turn-around for custom design pieces.

O N L I N E CO M PA N Y S T O R E

• Online store for promotional and print items.• Business Cards• Stationary• Note Cards• Promotional Products• Brochures• Postcards• Magnets• Pens• Gifts• And More...

Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage Banker

BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm;

Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii

Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential Mortgage Lending License #1652; Maryland

Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009

Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent Mortgage Banker and Secondary Mortgage Loan

Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio Business Certificate

SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage

Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel

Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin

Mortgage Banker, No. 21906.

E xc E l l E n c E i n P r ac t i c E

American Society of Training & Development

Our Loan Officers are highly-trained experts.

Our “Lend-U” University is an in-house award

winning training program that keeps them up to

date on the industry and current products.

S a l E S D E Pa r t m E n t o f t h E YE a r

American Business Awards

We took top honors for achieving a double-

digit growth in sales per loan officer. How? We

provide the best customer service to our clients

combined with great loan products.

B E S t P l ac E to W o r k - 3 x W i n n E r

Columbus Business First , Tampa Bay Business Journal

We’ve got a great culture and it shows with

three-time winner of Best Place to Work. We

believe in our team and they take that culture to

our valued clients every day.

i n c . 5000 fa S t E S t G r o W i n G co - 2 x W i n n E r

Inc. Magazine

Twice honored by top business periodicals as

a Fastest Growing Company, we’ve had steady

growth even in challenging times.

fa S t 50 - 7 x W i n n E r

Columbus Business First

Seven-time winner of the prestigious award

honoring the fastest growing companies in

Columbus. We’re passionate about being the

best in the industry.

co r P o r at E c a r i n G aWa r D - 3 x W i n n E r

Business First

True leadership is stewardship. Twice honored

as a leader in corporate philanthropy, we find

many impactful ways to give back to the local

communities where our clients are located.

ac h i E v E m E n t i n m a r k E t i n G aWa r D

American Marketing Association

With one of the most experienced and talented

marketing teams in the country, we provide

more ways for our team to stay in touch with

their clients.

to P 30 ( m a r k E t E r S ) U n D E r 30

Direct Marketing News

Our Chief Marketing Officer is the #2 marketer in

the country in the prestigious “Top 30 Marketers

Under 30.” She is dedicated to the integrity of

the RFC brand and it’s ethics and services.

S P i r i t o f l E n D i n G t r E E aWa r D

LendingTree

As a leading partner on the LendingTree network

of lenders, we received the Spirit of LendingTree

Award.

Data B a S E E xc E l l E n c E aWa r D

National Center for Database Marketing & Direct

Marketing Association

We believe that better data ensures matching

the right client with the right product. This allows

our team to make them aware of opportunities

they may have otherwise missed.

AWARD WINNING

O u r d e d i c at i O n a n d d O w n r i g h t O b s e s s i O n w i t h s e r v i c e h a s b e e n r e c O g n i z e d t i m e a n d a g a i n b y s O m e O f

t h e m O s t r e s p e c t e d e x p e r t s i n t h e i r f i e l d, a s w e l l a s b y O u r p e e r s , e m p l O y e e s , a n d b O r r O w e r s . w h i l e

t h e s e a w a r d s a r e a n h O n O r a n d c O n f i r m at i O n O f O u r c O m m i t m e n t, O u r g r e at e s t a n d m O s t v a l u e d

a w a r d i s t h e s at i s fa c t i O n O f O u r c l i e n t s i n f i n d i n g t h e b e s t l O a n t O f i t t h e i r n e e d s .

Excellence is not just our passion, it’s an obsession.

call toDaY:

123 STREET NAME SUITE 100 CITY, ST 12345 [email protected] JANEBRANCH.RESIDENTIALFINANCE.COM

RFC Award Winning—05-29-11©

Jane Branch

Branch Manager

NMLS# 12345

SAMPLE DATA

222.222.2222 ofc

123.123.1234 fax

111.111.1111 cell

It’s time to create your own

OppOrtunity

the Benefits of refinancing:

Refinancing can give you the boost you need to reach your financial

goals faster, with less strain on your budget. Residential Finance

is committed to making your mortgage experience a great one. So

let’s explore your options together.

Lower Your Monthly Payments

Refinancing to a lower rate can help you reduce the amount of

your monthly payment and the overall amount of your loan.

Get Out of an Adjustable Rate Loan

Replace your adjustable rate loan with a fixed rate. Rates will go

back up, so don’t let yours.

Consolidate Your Debt

Roll all of your monthly bills into a single low monthly payment.

You’ll lower your interest rate on all your debt and make managing

your finances easier.

Get Cash Out

Access the money in your home and put it towards home

improvement, tuition, travel or other investments.

Reduce Your Mortgage Term

You’ll build equity faster and take less time paying off your home.

“The benefit that Residential Finance

Corp was able to provide to our family

when we needed it was exceptional.”

Cassidy M., Greeley, CO

“I want to take the opportunity to say

thank you very much for the prompt,

personalized and special attention

provided to me during my refinancing.”

Martin M., Huntsville, AL

What others are saying...

Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage

Banker BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-

estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage

Licensee, No. 19399; Hawaii Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential

Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No.

M02049502; Mississippi Mortgage Lender #4434/2009 Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey

Correspondent Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North

Carolina License Lender No. 139845; Ohio Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed

by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-

0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-

CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin Mortgage Banker, No. 21906.

Jane Branch

Branch Manager

NMLS# 12345

222.222.2222 ofc

123.123.1234 fax

111.111.1111 cell

123 Branch Address St

Suite 100

CityName, ST 12345

SAMPLE DATA

RFC Refinance Standard Flyer Revised: May 29, 2011 6:09 PM

Contact Me Today!

xxx.xxx.xxxx ext.123

[email protected]

www.jane.branch.myrfc.com

CALL NOW TO

GET APPROVED

A Mortgage ExperienceTHAT IS FOCUSEDON YOU!

We Can Make It Easy!

Residential Finance is committed to making your mortgage

experience a great one. We’re here to help you get the loan

that saves you the most money and conforms to your specific

financial needs.

Refinance Your MortgageRates are low, so refinancing can open up many options: like

getting a low fixed rate that won’t adjust when the market does,

getting cash out of your home, or reducing the time it takes to

pay off your mortgage.Buy a HomeAs a first-time buyer you have many advantages available

to you, including low rates to go with today’s great housing

prices! If you get pre-approved for a loan, you’ll save time by

only looking at houses that are in your budget. Plus, you’ll be

able to make an immediate offer when you find your dream

home.

Consolidate Your DebtRoll all of your monthly bills into a single low payment. You’ll

lower your interest rate on all your debt and make managing

your finances easier.

“The benefit that Residential Finance Corp was able to provide to our family when we needed it was exceptional.”

Cassidy M., Greeley, CO“Residential Finance Corporation is truly an American company who cares about their product, employees, and customers.”

Matt H., Payson, AZ












What others are saying...

Jane BranchBranch ManagerNMLS# 12345222.222.2222 ofc123.123.1234 fax111.111.1111 cell

123 Branch Address St Suite 100CityName, ST 12345

SAMPLE DATA

RFC General Standard Flyer Revised: May 29, 2011 6:06 PM

Contact Me Today! xxx.xxx.xxxx [email protected]

Buying Your First Home?

Let’s make it happen!

We’ll Be With You All The Way!

As a homebuyer you have many advantages available to you, including

low rates to go with today’s great housing prices! Our goal is to help you

set a solid foundation for you and your family, now and in the future.

We Are On Your Team

We can work with your Real Estate Agent to make the loan process a

smooth one. We’ll ensure that you know what your loan options are and

get the one that’s best for you. We want you to be as happy with your

loan as you are with your home.

Get Pre-Approved

It’s a great idea to get pre-approved for a loan before you start home

shopping. You’ll save time by only looking at houses that are in your

budget, and when you find your dream home, you can make an

immediate offer.We Give You Options

We offer a variety of loan products, so when you get a great rate you

also get the loan that saves you the most money and conforms to your

specific financial needs. We offer:

What others are saying...“The benefit that Residential Finance

Corp was able to provide to our family

when we needed it was exceptional.”

Cassidy M., Greeley, CO

“I recommend Residential Finance

Corporation because they kept

their promise and treated me with

respect.”

Michael G., Long Beach, CA

FHA �

Fixed Rate

�

Adjustable Rate Mortgage

�

Veterans

�

Conventional

�

State Bond

�

USDA �

203K �

Don’t know what these loan products are? No worries, we are here to

explain all your options and how they can support your financial and

homeownership goals and save you money.












Jane BranchBranch Manager

NMLS# 12345222.222.2222 ofc

123.123.1234 fax

111.111.1111 cell123 Branch Address St

Suite 100CityName, ST 12345 SAMPLE DATA

RFC Purchase Standard Flyer

Revised: May 29, 2011 6:08 PM

Contact Me Today!

xxx.xxx.xxxx ext.123

[email protected]

www.jane.branch.myrfc.com

Res ident ial F inance coRpoRat ion

Veterans Administration

Loan Programs

Proud to serve those who

have served us all.

About Residential Finance Corporation

Residential Finance Corporation is a residential

mortgage banker that has been helping clients

purchase and

refinance loans

since 1997.

Headquartered in Columbus, O

H, Residential

Finance does business in over 30 states and has

regional offices nationwide, including Florida,

South Carolina, Maryland, Arizona, Texas, New

Jersey, and North Carolina.

In addition to being “Full Eagle” certified by

the U.S. Department of Housing and Urban

Development (HUD), Residential Finance has

Veterans Administration Autom

atic Authority

and is a two-time honoree of INC M

agazine, a

three-time winner of Best Place to W

ork, and

has won the ABA Sales Department of the Year

award. Residential Finance is often quoted in

industry and consumer publications such as

Newsweek, the Wall Street Journal Sm

art Money

Magazine, and Forbes.com

, and its investor

relationships include some of the nation’s largest

and most diverse investm

ent banks.

Residential

Finance is

best know

n for

its

comm

itment to custom

er service. Home Loan

Consultants at Residential Finance are highly-

trained experts whose knowledge and experience

are only surpassed by their comm

itment to

helping clients find the best loan at the best rate,

making the loan process com

fortable and easy.

Call Today:

Rev. 07/19/11 ©

RFC HQ: 401 N Front St, Ste 300, Columbus, OH 43215. Not an offer of credit or a commitment

to make a loan. Not all loan programs & products are available in all areas. Borrower is subject to

underwriting guidelines & must first qualify for the stated programs. Corp NMLS, #1652; VA, Lender

ID#2595540000; AL, Mortgage Broker MB 21025; AR, Mortgage Banker #101062; AZ, Mortgage

Banker BK-0905843; CA, Finance Lenders Law License No. 6039726; CO, Mortgage Broker

License No. 100029775 Check license status of your loan originator at www.dora.state.co.us/real-

estate/index.htm; CT, Correspondent Mortgage Lender No. 12900; DE, Chp 22 Licensed Lender

No. 011831; DC, District of Columbia Mortgage Dual Authority License #NMLS1652; FL, Mortgage

Lender MLD167; GA, Mortgage Lender Licensee No. 19399; HI, Mortgage Loan Originator CO.

License HI-1652; IL, Residential Mortgage Licensee No. MB 0005562; IN, DFI First Lien Lending

License #16242; LA, Residential Mortgage Lending License #1652; MD, Mortgage Lender No.

11143; MA, Mortgage Lender ML1652; MI, 1st & 2nd Mortgage Broker & Lender FL4201 & SR

0010569; MN, Residential Mortgage Originator No. MN-MO-02049502; MS, Mortgage Lender

#4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ, Licensed by the N.J.

Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan

Licensee No 9945825; NM, Mortgage Loan Company No. 03691; NY, Licensed Mortgage Banker-

NYS Banking Dept. B500784; NC, Mortgage Lender License No. L-139845; OH, Mortgage Broker

Act Cert of Reg MB.802662.000; OR, Mortgage Lending License ML-5063; PA, Licensed by the PA

Dept. of Banking PA Mortgage Lender License No. 22135; SC, Mortgage Loan Broker MB-0508408;

TN, Mortgage License No. 4093; TX, SML Mortgage Banker Registration No. 45235, Two Galleria

Tower at 13455 Noel Rd, Ste. 1000, Dallas TX 75240; VA, Licensed by the VA State Corporation

Commission MC 3003; WA, Consumer Loan Company CL-1652 WA Master Business License

#602403652; WI, Mortgage Banker No. 21906BA

Jane Branch

Senior Loan Officer

NM

LS# 12345

800.123.1234 Direct

123.123.1234 Ext 100

234.567.8910 Fax

jane.branch@m

yrfc.com

ww

w.residentialfinance.com

401 N Front Street

Suite 300

Columbus, O

H 43215

sample d

ata

Res ident ial F inance coRpoRat ion

Buying Your

Dream Hom

e

A better mortgage experience

that is focused on you.




purchase and refinance loans for over a decade.

Headquartered in Columbus, OH, Residential








Veterans Administration Automatic Authority and

is a two-time honoree of INC Magazine, a three-

time winner of Best Place to Work, and has won

the ABA Sales Department of the Year award.

Residential Finance is often quoted in industry

and consumer publications such as Newsweek,

the Wall Street Journal Smart Money Magazine,

and Forbes.com, and its investor relationships

include some of the nation’s largest and most

diverse investment banks.

Residential Finance is best known for its

commitment to customer service. Home Loan



are only surpassed by their commitment to


making the loan process comfortable and easy.

Call Today:

Rev. 05/29/11 ©

Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans

Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas

Mortgage Banker #101062; Arizona Mortgage Banker BK-0905843; California Finance

Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775

Check the license status of your mortgage loan originator at http://www.dora.state.co.us/

real-estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District

of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders

License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii Mortgage

Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No.

MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential

Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts

Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota

Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009

Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey:

Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent

Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico

Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS

Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio

Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch

License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania:

Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker,

No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker,

MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage

Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240;

Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington

Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business

License #602403652; Wisconsin Mortgage Banker, No. 21906.

Jane Branch

Branch Manager

800.123.1234 tel

123.123.1234 direct

222.222.2222 cell

111.111.1111 fax


Suite 100

CityName, ST 12345

[email protected]

www.janebranch.rfc.com

NMLS # 12345

SAMPLE DATA

R e s i d e n t i a l F i n a n c e co R p o R at i o n

Refinancing Your Loan

Turn today’s mortgage into

tomorrow’s opportunity.






















diverse investment banks.

Residential Finance is best known for its







Call Today:

Rev. 05/29/11 ©




























Jane Branch

Senior Loan Officer

NMLS# 12345800.123.1234 Direct

123.123.1234 Ext 100

234.567.8910 Fax

[email protected]

www.residentialfinance.com

401 N Front Street

Suite 300Columbus, OH 43215

sample data

R e s i d e n t i a l F i n a n c e c o R p o R at i o nReal Estate Partner

We are here for you and

your buyers.









Jersey, and North Carolina.In addition to being “Full Eagle” certified by












diverse investment banks.Residential Finance is best known for its







Call Today:

Rev. 05/29/11 ©




























Jane BranchBranch Manager800.123.1234 tel123.123.1234 direct

222.222.2222 cell111.111.1111 fax


Suite 100CityName, ST [email protected]

www.janebranch.rfc.comNMLS # 12345SAMPLE DATA

R e s i d e n t i a l F i n a n c e c o R p o R at i o nYour Mortgage

Solution

A mortgage with you in mind.


Residential Finance Corporation is a residential mortgage banker that has been helping clients purchase and refinance loans for over a decade. Headquartered in Columbus, OH, Residential Finance does business in over 28 states and has regional offices nationwide, including Florida, South Carolina, Maryland, Arizona, Texas, New Jersey, and North Carolina.

In addition to being “Full Eagle” certified by the U.S. Department of Housing and Urban Development (HUD), Residential Finance has Veterans Administration Automatic Authority and is a two-time honoree of INC Magazine, a three-time winner of Best Place to Work, and has won the ABA Sales Department of the Year award. Residential Finance is often quoted in industry and consumer publications such as Newsweek, the Wall Street Journal Smart Money Magazine, and Forbes.com, and its investor relationships include some of the nation’s largest and most diverse investment banks.

Residential Finance is best known for its commitment to customer service. Home Loan Consultants at Residential Finance are highly-trained experts whose knowledge and experience are only surpassed by their commitment to helping clients find the best loan at the best rate, making the loan process comfortable and easy.

Call Today:

Rev. 05/29/11 ©

Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage Banker BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009 Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin Mortgage Banker, No. 21906.

Jane BranchSenior Loan OfficerNMLS# 12345

800.123.1234 Direct123.123.1234 Ext 100234.567.8910 Fax

[email protected]

401 N Front StreetSuite 300Columbus, OH 43215

sample data

At Residential Finance Corporation and

I couldn’t wait to share the news with you!

I have aNew Home


M A R K E T I N G L I B R A RY

• Loyalty Marketing For Two Years• Sent On Every Loan You Close With RFC• No Charge To You• Personalized With Your Photo And Signature• Free Unlimited Email Campaigns• Closing Gift Upgrades Available

A D H O C M A R K E T I N G

• Customer Marketing• Prospect Marketing• Realtor & Partner Marketing• Referral Marketing• Over 300 Marketing Pieces

C U S T O M E R S E R V I C E L E A D E R

Be a customer service leader. We make it easy.

• Customer Survey sent to every borrower. • Thank you card with pre-paid referral tear-off.• Testimonials are requested and verified for your

future use.

We believe that the best customer is a repeat customer and we actually help you gather referrals from borrowers you have already helped. These deals are easier to close and help you build a loyal network of people who sing your praises to friends and family. Enjoy free automated loyalty marketing on every loan you close with RFC.

MARKETING

marketing: AUTOMATED LOYALTY.

i am always here for yoURemember, just because your loan has closed and funded, that doesn’t mean I am no longer at your service. If you have questions or concerns, feel free to call me anytime.

[BORROWER NAME], As you may know, my business depends on referrals from great customers like you! Do you have a friend or family member that would like more information on home financing? I would greatly appreciate the referral, and will be sure contact them right away and provide them with extra special care and attention. Simply fill out the form below and drop it in the mail (free of charge!) and I will contact them right away. Thank you for your business – and your referral! [LO SIGNATURE]

[LO NAME}[LO NMLS][LO TITLE][LO PHONE]

YOUR REALTOR[REALTOR NAME][REALTOR COMPANY][REALTOR PHONE]

[Loan Officer Name], I would like to refer someone for more information on mortgage financing. Please provide my friend with the same great service you provided me! They can be reached at:

Name: _____________________________________________

Address: ___________________________________________

___________________________________________

Phone: _____________________________________________

Email: _____________________________________________

Regarding: Refinance Purchase Not Sure

CUSTOMER REFFERAL CARD

Corp NMLS, #1652

Ref#1234567

Customer satisfaCtion surveyThank you for choosing Residential Finance Corporation for your recent home mortgage. We are committed to monitoring the quality of our customer ser-vice and we would appreciate your feedback about your experience. The survey consists of five questions and should take less than five minutes to complete. Your responses will be used to continue to improve our customer service. If you have any questions, please contact [email protected]. Thank You!

Borrower: ______________________________Home Phone: ___________________________Work Phone: ____________________________Cell Phone: _____________________________Email: _________________________________

Co-Borrower: ___________________________Home Phone (if different): ____________________Work Phone: (if different): _____________________Cell Phone: (if different): ______________________Email: (if different): __________________________

Name: ________________________________

Phone: ________________________________

Email: _________________________________

Relation: ______________________________

Property address:[property address][property city, st, zip][loan number]

mailing address:[mailing address][mailing address city,st zip]

your Loan officer:[LO Name][LO NMLS][LO Phone][LO Email]

Stron

gly Ag

ree

Agree

Neu

tral

Disa

gree

Stron

gly Di

sagr

ee

N/A

was simple and easy.

the Loan Process: my Loan officer:

was quick to complete from first call to closing.

was smooth and efficient.

went as expected and there were no surprises.

Stron

gly Ag

ree

Agree

Neu

tral

Disa

gree

Stron

gly Di

sagr

ee

N/A

responded to my inquiries, emails, and calls in a timely fashion.

was professional and courteous.

explained the mortgage process and my options in a way I could easily understand.

took the time to understand my situation and match me with a loan program that met my needs.

made the process simple and efficient.

explained the terms of the loan and the fees in a way that I could easily understand.

Certa

in

Very

Like

ly

Som

ewha

t Like

ly

Unlik

ely

Very

Unli

kely

Exce

llent

Good

Fair

Poor

Not S

ure

N/A

Loan Officer

Branch Manager

Loan Processor

Notary

Receptionist

Post Closing Agent

team member:

regarding tHe Loan ProCess: Please select whether you agree or disagree with the following statements.

regarding your Loan offiCer: Please select whether you agree, or disagree with the following statements.

regarding our team: Please rate your experience with each of our team members. Please Note: You may not have worked with all of the the following people.

reCommending rfC to otHers:How likely are you to recommend Residential Finance to a family member or friend in need of a mortgage?

did We eXCeed your eXPeCtations?Share your story with us via email: [email protected]

sHare us WitH your friends & famiLy:Who do you know that is in need of a mortgage, home purchase or refinance? We will take excellent care of them. Thank You!

[Borrower Name]

[Co-Borrower Name]

always here for yoU

ATTN: CUSTOMER SERVICE RESIDENTIAL FINANCE CORPORATION 401 N FRONT ST STE 300 COLUMBUS OH 43215-9859

NO POSTAGENECESSARY

IF MAILEDIN THE

UNITED STATES

BUSINESS REPLY MAIL FIRST-CLASS MAILCOLUMBUS OH PERMIT NO. 357

POSTAGE WILL BE PAID BY ADDRESSEE

Artwork for Envelope, Business, #9, 3 7/8 x 8 7/8 in (3.875" x 8.875")Layout: sample BRM Env with IMB.lytJune 22, 2011

Produced by DAZzle Designer, Version 9.0.05(c) 1993-2009, Endicia, www.Endicia.comU.S. Postal Service, Serial #

IMPORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed! Special care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece to meet both USPS regulations and automation compatibility standards.

Thank You!

RESIDENTIAL FINANCE CORPORATION[LO FULL NAME][LO ADDRESS][LO ADDRESS]

BORROWER(S) FULL NAME][[BORROWER ADDRESS][BORROWER ADDRESS 2]]

Date 10, 2012

[First Name] [Last Name] & [Co-Borrower First Name] [Co-Borrower Last Name],

Welcome to the Residential Finance Corporation family!

Congratulations on your new home loan!

You may have some questions about what happens next, whom to contact, and more. You’re not alone!

IMPORTANT: Please see the attached Frequently Asked Questions letter, answering many important questions about YOUR loan such as:

Where do I make my first payment?•How can I obtain a copy of my appraisal?•And, more.•

We’re honored you chose to work with us on your new home loan. If you have any questions feel free to contact me directly by phone or email.

PS: Soon, you will receive a Customer Satisfaction Survey in the mail and, possibly, via email. When you receive it, please take a moment to respond – we truly value your feedback!

Sincerely,

Joanna MacKenzieCustomer Service Manager

Welcome!

ReSIDentIAl FInAnCe CoRPoRAtIon401 n Front Street, Suite 300Columbus, ohio 43215

614-827-1347 Direct877-251-2874 Direct toll [email protected]

RFC: 401 N Front St Columbus, OH 43215. Borrower is subject to underwriting guidelines. Corp NMLS, #1652; http://www.nmlsconsumeraccess.org; VA, Lender ID#2595540000; AL, Mortgage Broker MB 21025; AR, Mortgage Banker #101062; AZ, Mortgage Banker BK-0905843; CA, Finance Lenders Law License No. 6039726; CO, Mortgage Broker License No. 100029775 Check license status of your loan originator at www.dora.state.co.us/real-estate/index.htm; CT, Correspondent Mortgage Lender No. 12900; DE, Chp 22 Licensed Lender No. 011831; DC, District of Columbia Mortgage Dual Authority License #NMLS1652; FL, Mortgage Lender MLD167; GA, Mortgage Lender Licensee No. 19399; HI, Mortgage Loan Originator CO. License HI-1652; IL, Residential Mortgage Licensee No. MB 0005562; IN, DFI First Lien Lending License #16242; LA, Residential Mortgage Lending License #1652; MD, Mortgage Lender No. 11143; MA, Mortgage Lender ML1652; MI, 1st & 2nd Mortgage Broker & Lender FL4201 & SR 0010569; MN, Residential Mortgage Originator No. MN-MO-02049502; MS, Mortgage Lender #4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ, Licensed by the N.J. Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan Licensee No 9945825; NM, Mortgage Loan Company No. 03691; NY, Licensed Mortgage Banker-NYS Banking Dept. B500784; NC, Mortgage Lender License No. L-139845; OH, Mortgage Broker Act Cert of Reg MB.802662.000; OR, Mortgage Lending License ML-5063; PA, Licensed by the PA Dept. of Banking PA Mortgage Lender License No. 22135; SC, Mortgage Loan Broker MB-0508408; TN, Mortgage License No. 4093; TX, SML Mortgage Banker Registration No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste. 1000, Dallas TX 75240; VA, Licensed by the VA State Corporation Commission MC 3003; WA, Consumer Loan Company CL-1652 WA Master Business License #602403652; WI, Mortgage Banker No. 21906BA

IMPORTANT FREQUENTLY ASKED QUESTIONS...

“WhEN IS MY FIRST PAYMENT dUE?” Your first mortgage payment of $[VAR] is due on [VAR ].

“WhAT IS MY PAYMENT?” Your monthly mortgage payment is $[VAR].

SAVEThis document

for future reference

“Where do I send my first mortgage payment?” Q

AYou received a temporary Mortgage Coupon in your loan closing package. Residential Finance Corporation, ATTN: Payment Processing401 N Front Street, Suite 300 Columbus, Oh 43215

“Will RFC continue to be my lender after I make the first mortgage payment?”Q

A

We originate, underwrite, and fund our own loans, however we are not a loan servicer. We work with the nation’s leading loan servicers. You should expect to receive a notification from the servicer within 30 to 45 days of your loan closing. once they are in contact with you, you may be able to set up automatic bill pay or discuss other types of loan payment arrangements.

“Will my loan terms change if the loan transfers to a new servicer?”Q

A no a transfer of loan servicing will not affect the terms of the note you signed at closing.

“What happens to the escrow account? And, who pays my taxes and insurance?” Q

AIf your new mortgage includes homeowners insurance and property taxes, your escrow will be transferred to your new loan servicer and they will handle future payment of your taxes and insurance.

“My prior mortgage included an escrow account, when should I expect to receive the refund of the balance?”Q

A For information about your prior escrow account, contact your previous lender for details.

“how can I obtain a copy of my appraisal?”Q

AMail a request including your name, property address, and loan number, to: Residential Finance Corporation, ATTN: Customer Service401 N Front Street, Suite 300 Columbus, Ohio 43215

hELPFUL TIP!Call your insurance agent and provide them your updated mortgage information.

hELPFUL TIP!If your prior mortgage had an automated payment arrangement; contact your previous lender to cancel future payment transactions.

hELPFUL TIP!Provide a copy of your the HUD-1 or Settlement Statement from your loan closing package to your accountant when you file personal tax returns.


RFC’s award-winning training program accommodates all levels of experience; whether you’re just starting out or are a seasoned pro. We have a progressive training series facilitated through live classroom education driven by the best technology and online learning platforms available.

TRAINING

Experience Training at lend-u.

TECHFEATURES

O N B OA R D I N G T R A I N I N GLIVE 2-DAY ORIENTATION: held at the corporate offices in Columbus, this intensive two-day training will allow you to meet your support staff and expedite your acclimation to your new home.

O N L I N E U N I V E R S I T YTRAINING ON YOUR TIME: Originator and staff training at LendU is available through our online learning management portal. Now your entire staff can stay up-to-date on systems, regulations, company policy, latest sales techniques, and more with less management time on your end.

S A L E S COAC H I N GEXCLUSIVE COACHING & TRAINING: Monthly sales calls with industry leader, Barry Habib to help you increase your market knowledge.

Excellence in Practice, American Society for Training & Development, 2009

“Even with several years of mortgage industry experience, I was attracted to RFC because of its excellent training program. Because of its training program, Loan Officers are able to offer the very best of service and integrity to their customers.”

“Every tool I need to be successful in my career is provided. The innovative training techniques support my career goals and help me be a success."

Craig , Senior Loan Officer

“The training is well ahead of the rest. I have worked at other mortgage lenders and the training is next to nothing.”

Steve , Senior Loan Officer

“I was WOW’d when I went through training. It was very relevant and made my transition a smooth one."

John , Senior Loan Officer

Kaye, Senior Loan Officer


We help you close loans with speed, accuracy and consistency. We focus on the efficiency of our lending operations team to ensure you can satisfy your customers. We understand that if you can’t close loans, nothing else matters. Our operations team runs like a well-oiled machine.

LENDING OPS

fast. accurate. consistent.

FHA (FULL EAGLE)

VA (AUTOMATIC AUTHORITY)

USDA

REVERSE

STATE BOND PROGRAMS

203K

JUMBO

COMMERCIAL

HIGH BALANCE

LOANPRODUCTS

H e l p D e s kO U R O P E R AT I O N S C U S T O M E R S E R V I C E H E L P D E S K I S O P E N T O YO U R Q U E S T I O N S . Ask away! The help desk responds with the speed, accuracy, and

consistency you’d expect from the nation’s most pro-sales lending operations staff.

F a s t L o a n C l o s i n g sS P E E D, ACC U R AC Y & CO N S I S T E N C Y ! It is not just a motto, it’s our way of life.

The efficiency and speed of our underwriting department is our main focus. We do

more than close loans. We create “WOW” experiences that allow you to impress your

borrowers & referral partners with 24 hour underwriting, same-day closings, EZ-LockTM

Loan Lock and more.

S c e n a r i o D e s kN O N E E D T O U S E B R O K E R G R A P E V I N E F O R YO U R LOA N S C E N A R I O S . Our

Scenario Desk is operated by qualified underwriters to help provide the guidance you

need to place your loan correctly and ensure the quality and speed your customers

expect.

DOUGLAS R. HARRIS, CHIEF OPERATING OFFICER

As COO, Doug Harris directs all lending operations functions, including: Processing, Underwriting, Closing, Funding, Warehousing, Shipping, Insuring and Secondary Marketing. Previously, Doug spent nearly a decade at the nation’s sixth largest bank, US Bank, where he was responsible for leadership and P&L for two of the bank’s divisions – Secondary Marketing and Correspondent

Lending – and was key in helping the bank grow its assets from $14B to $170B.


We partner with the absolute best in the business to provide you technology that supports your success. We provide our employees accessible, web-based technologies and a live support help desk with experts who have extended support hours.

TECHNOLOGY

WE DON’T SETTLE FOR SECOND BEST.

REAL-TIME REPORTING

WEB-BASED LOAN ORIGINATION SYSTEM

AUTOMATED PRICING ENGINE

LEAD MANAGEMENT SYSTEM

INDIVIDUAL WEBSITES FOR BRANCHES WITH INTEGRATED SHORT FORM APPLICATIONS IN ENGLISH AND SPANISH

24 HOUR INTRANET WITH DASHBOARD REPORTING

LIVE SUPPORT

SMART PHONE INTEGRATION

TECHFEATURES

ALAN RABIDEAU, CHIEF INFORMATION OFFICER

Alan directs all technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Alan’s 10-year career at RFC has led to continuous innovation and improvement, leveraging technology to improve productivity, efficiency and user experience.

E N C O M PA S S B A N K E R S E D I T I O N : We’ve taken Encompass, the award-winning loan origination software, to the next level with customized tools to help loan originators close with more transparency, efficiency, and ease.

N Y L X P R I C I N G E N G I N E : We use the industry’s leading product pricing and eligibility engine for lightning-fast product placement and pricing quotes. This system is fully integrated with Encompass allowing you to get multiple investor quotes with the click of a button!

L E A D S36 0 * : Our proprietary customizations of the Leads360 lead management system are so sophisticated, the company asks us to speak with their new clients!

M I C R O S O F T E XC H A N G E : With Microsoft Exchange remote web access capability you can access your email anywhere, anytime. Smart phone user? No problem! We keep you fully connected and equipped for business on the go!

* This service is optional for retail branches.


currently licensed

WA

OR

CA

NV

ID

UT

AZ

AK

WY

MT

OH

MINY

VT

HI

MD

DC

DE

CT

NJ

RI

MANH

ME

NM

CO

ND

SD

NE

KS

OK

TX

AR

LA

MO

IA

MN

WI

IL

TN

MS AL GA

IN

KY

WV

PA

VA

NC

SC

FL

RFC

Where some see a challenge, we see an opportunity. Our licensing strategy is so sophisticated, we’ve been asked to speak at leading mortgage industry events. Let us show you why it pays to leave the details to our licensing team.

LICENSING

WE MANAGE THE MINUTIA.

JUDE TRIBBLE, VICE PRESIDENT, CORPORATE COUNSEL

Jude has serves as our Corporate Counsel and is in charge of directing the legal, licensing, quality-control and compliance departments. In her tenure with RFC, she has helped create a premier licensing and compliance operation, which has grown in significance and scope in recent years. She is an industry veteran and a frequent lecturer on topics relating to regulatory and compliance

initiatives.

• Licensed, trained paralegals• 50 years combined legal experience• Testing material access

• Fast licensing turnarounds• Friendly, knowledgeable service• Aggressive expansion plan


BENEFITS

Benefits to meet your needs.RFC provides a wide variety of benefits for our full-time employees and their families. Our benefits are a-la-carte so our employees can select coverage based on their needs and customize benefits that work for them.

Participation in optional benefits is offered to all full-time employees effective the first day of the month,

following 30 days of continuous employment. Our 401K (k) program is also available to our employees

effective the first quarter following 90-days of employment.

MEDICAL DENTAL

LIFEVISION


BENEFITS

Additional benefits.SUPPLEMENTAL LIFE INSURANCECreate a personal safety net by electing a supplemental

life insurance policy through our trusted insurer, Metife.

Choose a coverage amount for you, or you and your

dependents through convenient payroll deductions

offered at affordable group rates.

FLEXIBLE SPENDING ACCOUNTS A Flexible Spending Account (FSA) allows you to pay for

essential heath care expenses that are not covered, or are

partially covered, by your medical, dental or vision plans.

By contributing a portion of your payroll dollars into an

FSA on a pre-tax basis, you can save on the cost of eligible

healthcare items and services, or use your contributions

to pay for deductibles or co-insurance throughout the

year using your quick, convenient FSA debit card.

401 (K) PROGRAM To help you achieve your personal retirement goals, RFC

offers a 401(k) program to full-time employees. You are

eligible after 90 days of continuous service. Employees

who choose to participate in the program will benefit

from an employer contribution match after one year of

service.

DISABILITY INSURANCE THROUGH UNUMUnum provides employee disability benefits that

offer choice, flexibility and responsive service without

breaking the bank. A Unum disability plan provides

financial protection for you by paying a portion of

your income while disabled, with benefits beginning

at 14, 30 or 90 day periods, depending on the need of

the employee.

RENÉ LEWIS, VP OF HUMAN RESOURCES

René directs all aspects of our HR and talent management programs including organizational development, benefits and wellness, compensation, and employee relations. René is a certified Senior Professional in Human Resources and a Certified Professional Behavioral Analyst. Prior to joining us, she held HR leadership positions in organizations such as The County of Orange,

California and Gap Inc.

RESIDENTIAL FINANCE CORPORATIONCORPORATE HQ: 1 EASTON OVAL, SUITE 400 COLUMBUS, OH 43219 EQUAL OPPORTUNITY EMPLOYER

Copyright 2012 © Revised October 29, 2012 1:45 PM

Residential Finance Corp (RFC) 1 Easton Oval, Ste 400 Columbus, OH 43219. Not affiliated with Residential Funding Corp. Conducts business as RFC Mortgage i/l/t/n Residential Finance Corporation in NY. Not an offer of credit or commitment to make a loan; not available in all areas; subject to underwriting guidelines. NMLS #1652; VA Lender ID #2595540000; AK #AK1652; AL #21483; AR #101062; AZ #BK-0905843; CA Finance Lenders Law License #6039726; CO Mortgage Broker License #100029775 Check license status at www.dora.state.co.us/real-estate/index.htm; CT #12900; DE Chp 22 Licensed Lender #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MD #11143; MA Mortgage Lender #ML1652; MI 1st & 2nd FL4201 & SR 0010569; MN #MN-MO-02049502; MS #4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ Licensed by NJ Dept of Banking & Insurance NJ Correspondent Mortgage Banker & Secondary Mortgage Loan Licensee #9945825; NM #03691; NY Licensed Mortgage Banker-NYS Banking Dept #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA Licensed by the PA Dept of Banking PA Mortgage Lender License #22135; SC #MB-0508408; TN #4093; TX SML #45235 (2 Galleria Tower 13455 Noel Rd Ste 1000 Dallas TX 75240); VA Licensed by VA State Corp Commission MC 3003; UT DRE Mtg Entity #8404312, WA Consumer Loan Company CL-1652 WA Master Business License #602403652; WI #21906BA. myrfc.com/legal

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