A wholly owned subsidiary of

Recruitment Brochure

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Are you a loan officer looking for better support, compensation and appreciation? How about one wanting to work for a company using cutting edge technology which enables you to make the origination process easier? Are you a manager or owner frustrated with the new regulations governing mortgage brokers and lenders? Do you want to work for a company that will give you the ability to take your career to the next level? Take a few moments to browse this presentation and see why your peers have joined the Brand Mortgage family.

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Background

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Management
Executive Management

GREG SHUMATE CEO Managing Partner

ALEX KOUTOUZIS PRESIDENT Managing Partner

Corporate Management
Mack Mullins, EVP Capital Markets Stephanie Kennedy, EVP Operations Manager Mark Dukes, SVP Area Manager South/Central GA Dean Mellon, SVP Area Manager In-town GA

Senior Management
Mark Ross, SVP Area Manager Northeast Sandi Flagg, SVP Production Kelli Hutchinson, SVP Compliance Officer Jennifer Deal, SVP Controller

Chris Shumate, SVP Area Manager Northeast

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

In The Press

News Releases
Brand Mortgage expands headquarters in Metro Atlanta Brand Mortgage expands into Kennesaw, GA Brand Group Holding completes $200 million capital raises Brand Mortgage opens new retail office in Peachtree City, GA

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Products
BRAND PORTFOLIO
Niche Products Jumbo Log Homes Construction Perm Products 80% to $1,250,000 90% to $850,000 2nd 80% to $1,000.000 2nd 90% to $417,000 24 Month Bank Statement

COMBINATION LOANS
80/10/10 and 80/15/5 Loans Second and Vacation Homes Investment Property 20% down 203k Rehab Loan- up to $31,500 Renovation Loan Conv/Fannie Mae/Freddie Mac

VA/FHA- Purchase/Refi
Purchase- No Down Payment Int Rate Reduction Loan FHA Streamline

FIRST TIME HOME BUYERS

FHA Loans USDA Rural Home Loans FHLB Grant Program Flex 97 $100 Down HUD Homes

JUMBO
Up to $2,000,000 FHA Jumbo 3.5% down

Additional Loans
DU Refi Plus

Home Equity Loans

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Processing Workflow
My Brand loan officer went beyond the norm in so many ways! We received updates after hours and on weekends. -Eddie and Betty Barrett

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

A Paperless System all documents scanned and sent to Processor, Underwriter and Closing. No original documents pass hands. Set-up Person orders appraisals, title work, send disclosures plus any additional documents all scanned/e-mailed to client. Once client receives e-mailed documents/disclosures, etc. they open e-mail and accept, hit signature button and it returns automatically. Only 5 forms that client needs to sign and scan/e-mail back! The Processing/Underwriting System is designed to submit to Underwriting within hours of taking application (in essence, an up-front approval.) Underwriting underwrites the loan 9 out of 10 times on the same day, but no later than 24 hours. If there are any conditions they are cleared within 48 hours or less. System is designed to close all loans in 15 days!

There are Limited Overlays beyond AUS findings!

Extensions up to 3 days are free! All Seconds underwritten simultaneously by the bank. All Seconds are in-house! 80-15-5, 80-10-10, 90% LTV to $1,000,000, 80% to $2,000,000 are just a few of the options available. Appraisals are managed by the Valuation Management Group set-up person/processor orders all appraisals. Loan Officer is notified by e-mail immediately that appraisal was ordered and when appraisal is expected to be delivered. Once appraisal is completed, Loan Officer, Processor, Client automatically receive an e-mailed copy. All the Loan Officer needs to do is send your desired Appraisers contact info to the Valuation Management Group to have them approvedeasy! Our pricing system will alert you and your client automatically by e-mail when a desired rate/price is reached. Our loan system shows your loan status live! You watch the entire loan process on every loan 24/7!

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Benefits
HEALTH INSURANCE VISION INSURANCE DENTAL INSURANCE TERM LIFE INSURANCE POLICY LONG-TERM DISABILITY INSURANCE VOLUNTARY LIFE/AD&D INSURANCE SHORT-TERM DISABILITY INSURANCE 401(k) RETIREMENT PLAN SECTION 125 CAFETERIA PLAN 10 HOLIDAYS TOP PRODUCER CHAMPION CLUB TRIP

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Testimonials
Exceeding client expectations and providing superior service are essential in todays market. The people at Brand Mortgage understand this more than any other group Ive known. There is a can-do spirit at every level of the organization. -Jeff Curtis In a word, the thing I like best about Brand Mortgage is the People. It is great to be able to talk through a loan scenario with fellow loan officers, processors, and underwriters to find a way to make a deal work. There is a great sense of Team at Brand. -Terra Winter The thing that I like best about Brand Mortgage is the assistance from management and underwriting. They are always ready to answer questions, help avoid last minute problems and help you research guidelines. -Joanne Rotella When I came to Brand Mortgage, I had 12 realtors and did 8 million a year in volume. Within one year I had 35 realtors, 1 builder and did 17 million in volume. So far this year, I have almost doubled what I did in 2010. -Armando SanMiguel I absolutely love the gusto and support that management displays. Our processors and underwriters treat our customers with compassion, respect and sense of urgency with their closings. Brand mortgage cares about the relationship! -Cheryl Wentzek Not only do I feel that my work is valued but that I am also looked at as an individual, with individual strengths to offer. Sally Blasingame What I like most about working here is the way everyone works as a team to get the loan closed. Its such a smooth process from set-up, to processing, to underwriting, and last, but not least a closing department that does whatever it takes to get the loan closed ON TIME! -Renee Tracey

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

Contact Us
We invite you to take the next step in a career move to Brand Mortgage by setting up a confidential conversation with our recruiters.

Neil Arden Corporate Recruiter 6224 Sugarloaf Parkway Suite 300 Duluth, GA 30097 Direct: 770.339.2090 Email: narden@brandmortgage.com

Walt Zem Corporate Recruiter 6224 Sugarloaf Parkway Suite 300 Duluth, GA 30097 Direct: 732.526.7228 Email: wzem@brandmortgage.com

Feel free to browse our new website to answer any other questions you have or even to see if there is a familiar face or two. www.brandmortgage.com

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615