Integrity. Experience. Execution.

Integrity. Experience. Execution.

AmeriSphere’s FHA team is among the largest and most experienced in the industry—by design. Our team, with its diverse backgrounds, has been in-tentionally built around AmeriSphere’s guiding prin-ciples of Integrity, Experience, and Execution. From an internal ethics review panel, to mandatory professional training, to the best underwriter-to-loan ratio in the industry, AmeriSphere’s principles are lived out successfully everyday. With offices in Denver, Dallas, and Bethesda, Amer-iSphere has successfully closed FHA loans in more than half of the FHA Program Centers nationally and through FHA’s LEAN Program. Even more impressively, over the last three years, AmeriSphere’s 100 percent success rate with FHA applications is nearly 50 percent better than the in-dustry average. FHA has recognized our track record of quality under-writing through inclusion in HUD’s LIHTC Pilot pro-gram and designation as a “recognized and highly rated servicer.”

The following pages will introduce you to some of

AmeriSphere’s 20-person FHA staff that are critical to

making us, and our clients successful.

Integrity. Experience. Execution.

Mike Backman joined AmeriSphere Mortgage as FHA National Pro-duction Director in March 2012. He was subsequently named Managing Director in October 2012. Backman previously served five years as the U.S. Department of Hous-ing and Urban Development’s (HUD) Multifamily Hub Director for the states of Texas, Louisiana, Arkansas, and New Mexico. In this role he supervised a staff of 150 in seven offices, overseeing an FHA-insured mortgage portfolio in excess of $7 billion; $500 million in annual rental assistance payment;, and more than $50 million in annual grants and contracts. During his tenure the Fort Worth Hub consistently led the nation in mortgage endorsements – averaging $1 billion annually - and afford-able housing production, while reducing insurance fund claims more than 50 percent and insuring several mixed-use urban catalyst projects. Backman’s prior service at HUD included four years as Dallas Field Of-fice Director and two years as a Management Analyst at HUD Head-quarters. He has also worked for the cities of Syracuse, NY, and Web-ster, TX, and as a Budget Analyst for Johnson Controls. He resides with his wife Betsey and two young children in Arlington, TX.

Mike Backman Managing Director 972-941-3403 mbackman@amerisphere.net

Debbie VanHoosen is Senior Vice President & FHA Chief Under-writer at AmeriSphere. VanHoosen has worked in the field of real es-tate for over twenty years and her experience includes commercial, multifamily and healthcare property types. She has been involved in over 156 transactions totaling over $1.4 billion. As FHA Chief Underwriter she is responsible for management of the underwriting and screening departments. In addition, she is a MAP ap-proved Underwriter for multifamily and healthcare loans. VanHoosen earned a Bachelor of Science degree in Business Admini-stration with an emphasis in Accounting from the University of Colo-rado, Denver and is currently a candidate for a Master's degree in Real Estate and Construction Management at the University of Denver.

Debbie VanHoosen Chief Underwriter 303-831-6115 dvanhoosen @amerisphere.net

Integrity. Experience. Execution.

Ben Truitt is the FHA National Production Director with AmeriSphere Mortgage Finance LLC where he is responsible for the FHA loan pro-duction department as well as being directly responsible for loan pro-duction from AmeriSphere’s western region; including, the NorthMarq offices of Seattle, San Francisco, Newport Beach, San Diego, Las Vegas, Phoenix, and Denver. Prior to joining AmeriSphere, Truitt gained experience with HUD in-sured healthcare and multifamily lending while with GMAC Commercial Mortgage, PNC Real Estate Finance, and Red Stone Agency Lending. During this period of time he earned the HUD MAP designation. Truitt has over 14 years of industry experience and holds licenses as a Real Estate Broker and Class-B General Contractor. He is a member of the Urban Land Institute, the National Association of Industrial and Of-fice Properties and the CFA Institute as a CFA Charterholder. In 2010, Ben completed an MBA with emphasis in Real Estate Development and Investments at the University of Colorado – Boulder, where he also re-ceived an undergraduate degree in Mechanical Engineering in 2000.

Ben Truitt National Production Director 303-832-2721 btruitt@amerisphere.net

Western Region

Luke Rains Production Analyst 972-941-3414 lrains@amerisphere.net

Luke Rains joined AmeriSphere in 2012 as a FHA Production Ana-lyst. Mr. Rains graduated in 2010 with a BBA in Finance from Mays Business School at Texas A&M University. Prior to joining AmeriSphere, Rains worked as an Associate Appraiser and Consultant for Deal Sikes and Associates in Houston, Texas. At Deal Sikes & Associates, he appraised vacant land and improved properties including office, retail, lodging and hospitality, energy corridors, and flex/industrial properties for predominantly eminent domain pur-poses. Rains is located in AmeriSphere’s Dallas office.

Integrity. Experience. Execution.

James Hillhouse is a Production Analyst at AmeriSphere who works closely with Brian Harris and the NorthMarq offices in the Central Re-gion of the United States. Before working for AmeriSphere, Hillhouse worked for a property man-agement company. He has a Bachelor’s degree in Finance from Texas A&M University as well as a Master’s degree in Real Estate and Con-struction Management from the University of Denver. Hillhouse is involved with the Denver chapter of NAIOP and Habitat for Humanity Denver. In his spare time enjoys skiing, running and all things outdoors.

Brian Harris is AmeriSphere’s FHA Production Manager responsible for the Central Region comprised of the following NorthMarq offices: Minneapolis, Milwaukee, Chicago, Omaha, Kansas City, St. Louis, Dallas, San Antonio, and Houston.

Prior to joining AmeriSphere Harris worked at Johnson Capital for four years as a mortgage banker financing for all property types. He has also worked in the sales arena selling orthopedic trauma equipment in the operating room setting, as well as, selling financial products for Audi and Volkswagen’s captive finance arm.

Harris currently serves as a board director for a Denver YMCA and fundraiser for the Crohn’s and Colitis Foundation of America (CCFA). He also holds his Colorado Real Estate license.

He is a past City and Planning Commissioner for the City of Glendale in Colorado; Member of ICSC, NAIOP and ULI.

Harris received his B.S. degree from Clemson University, SC and his MBA from the Daniel’s College of Business at the University of Denver.

Brian Harris Production Manager 303-831-6154 bharris@amerisphere.net

Central Region

James Hillhouse Production Analyst 303-831-9480 jhillhouse@amerisphere.net

Integrity. Experience. Execution.

Eastern Region

Tom Bernaciak is AmeriSphere’s FHA Production Manager responsi-ble for the Eastern Region comprised of the following NorthMarq of-fices: Baltimore, Bethesda, Raleigh, Charlotte, Atlanta, Jacksonville, Tampa, Orlando, Miami, and Boca Raton. Prior to joining Amersiphere Bernaciak was employeed by First Hous-ing Development Corporation, a Tampa mortgage banking firm, as Chief FHA Underwriter specializing in FHA-insured multifamily and health-care transactions. His experience with FHA mortgage insurance programs spans 25 years beginning with Secore Financial Corporation in Pittsburgh, where he was principal and shareholder from 1987 to 2000. During that time he also practiced real estate law for 15 years before relocating to Florida where he was Chief Underwriter and Director of FHA Lending for MMA Financial in Tampa from 2003-2005. A Certified Mortgage Banker, he holds a Bachelor of Science degree from Pennsylvania State University and a Juris Doctor degree from Du-quesne University School of Law in Pittsburgh.

Tom Bernaciak Production Manager 240-223-2509 tbernaciak@amerisphere.net

Integrity. Experience. Execution.

Heather Teverbaugh joined AmeriSphere as a Senior FHA Under-writer in 2012. Teverbaugh has been involved in real estate finance since 2005; specifi-cally 4 years as a mortgage banking analyst with CBRE Debt & Equity Finance (previously L.J. Melody), and 3 years as an analyst and MAP certified Underwriter of FHA insured mortgages with CBRE. She has sourced, or is in the process of sourcing, 100+ mortgages, total-ing $1+ billion in loan proceeds. Teverbaugh earned a Bachelors of Business Administration with an em-phasis in commercial real estate from Georgia State University.

Underwriting

Heather Teverbaugh Senior Underwriter 972-941-3413 hteverbaugh @amerisphere.net

Brittany Thorsen joined the AmeriSphere team in June 2010 and has since participated in underwriting and processing of FHA loan applica-tions in excess of $200 million in aggregate loan proceeds. During her time at AmeriSphere, Thorsen has successfully developed due diligence training manuals for Northmarq and borrower training purposes. Thorsen is currently working toward her Multifamily Accelerated Proc-essing (MAP) Underwriter Designation, which she expects to receive in summer of 2013. Prior to joining AmeriSphere, she held positions in commercial real es-tate investment, acquisition, and brokerage. Thorsen holds a B.S. in Business Administration with a Real Estate Certificate from the Univer-sity of Colorado and a Master of Science in Real Estate and Construction Management from the University of Denver. She is also a Leadership in Energy and Environmental Design (LEED) Accredited Professional and a licensed real estate broker in the state of Colorado.

Brittany Thorsen Associate Underwriter 303-831-6125 bthorsen@amerisphere.net