2.0 Our Mission & How We Achieve It Our Mission: To become your #1 referral source How We Will Achieve It: 1. Service • We conBnue to develop a team of top notch Loan Originators who focuses on developing relaBonships with Pacific Union to earn their purchase business 2. Price & Product • Mark, Rob and myself will conBnue to focus on delivering loan products that best benefits Pacific Union clients #1 - MSP Area Map Team MSP Bob Casper Vince Wirthman Kathy Fuller Terri Ellis Dennis Kowalski Gordon Friedman Bart Welles Sean Maley Team MSP Continued Fred Morfit Tammy Blanchard Bob Bednarz Stuart Broughton Reina Perkins Terri Mitchell Darren Seliga Dedicated, Seasoned Loan Officers Danville/LafayeXe/Orinda: • Bob Casper – 29 years in the industry, in-‐house broker for 12 years, UC Berkeley graduate • Vince Wirthman – 13 years of industry experience, in-‐house broker for 12 years, Saint Mary’s College graduate Dedicated, Seasoned Loan Officers (cont’d) Berkeley/Montclair: • Kathy Fuller – 13 years of industry experience, former owner and operator of her own mortgage company, SF State graduate • Terri Ellis – 27 years of experience, in-‐ house broker for over 11 years, California State University East Bay graduate Dedicated, Seasoned Loan Officers (cont’d) San Francisco/Marin Group: • Dennis Kowalski – 28 years of industry experience, in-‐house broker for over 14 years, top producer at TR/Coldwell Bank in San Francisco for over 8 years • Gordon Friedman – 12 years of industry experience, in-‐house broker for over 4 years, MBA from George Washington University Dedicated, Seasoned Loan Officers (cont’d) • Bart Welles – 20 years of industry experience, closed over 1 billion in loans, Baylor graduate, local resident • Sean Maley – 25 years of industry experience, 12 years in-‐house broker experience, University of San Diego graduate Dedicated, Seasoned Loan Officers (cont’d) • Fred Morfit – 16 years of industry experience, 9 years in-‐house broker experience, completed graduate program at Presidio Graduate School • Tammy Blanchard – 6 years of industry experience, business owner for over 15 years • Bob Bednarz – 22 years of industry experience, San Francisco State University graduate, local SF resident Dedicated, Seasoned Loan Officers (cont’d) North Bay Group: • Stuart Broughton – 15 years of industry experience, in-‐house broker for over 4 years, Syracuse University graduate • Reina Perkins – 13 years of industry experience, UC Berkeley graduate Dedicated, Seasoned Loan Officers (cont’d) • Terri Mitchell – 6 years of industry experience, in-‐house broker for over 2 years, Stanford graduate • Darren ‘Deke’ Seliga – 23 years of industry experience, Chico State graduate #2 - New Hybrid Jumbo Products 30 Year Jumbo In House -‐ 1 appraisal up to $2mm loan -‐ 2 appraisals needed -‐ 30 year rate 4.375 @ 0 points -‐ 30 year rate 4.5 @ 1 point -‐ 6 months reserves (can be reBrement) -‐ 12 months liquid reserves In House -‐ 70% to $4mm -‐ Up to 5 year prepay -‐ 80% to $4mm -‐ No prepay -‐ 5/5 arm (adjusts only once every 5 years) -‐ 5/1 arm (can adjust once every year, up to 5 years) Service Retained Why? • Only 1 appraisal needed for loan amounts up to $2mm, most lenders will require 2 at this loan amount • CompeBBve pricing • Local UnderwriBng • Cobranded monthly statement sent to your clients • Reserve requirements as low as 6 months with reBrement accounts applicable, compeBBon can require 12 months liquid • Minimum fico as low as 680 versus industry standard of 740 • Works concurrently with REX Homebuyer Program Why limit your clients to one bank? MSP Investors We will find the best price and program for your client while delivering unparalleled service.
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