Maximizing Yield in Residential Construction A Strategic Partnership for Builders March 2014

What is ResMac? » A privately owned, national mortgage asset aggregator / mortgage lender » Direct access to Fannie Mae and Ginnie Mae as an approved seller/servicer » Regulatory tested and proven » Superior, highly communicative technology platform designed to make the process of closing loans highly predictable and consistently efficient » Multiple processing centers nationally, loan fulfillment in Boca Raton, Florida » A company dedicated to industry best practices and senior management team with over 100 years of combined experience in the mortgage business

Ever consider starting a mortgage company? » Ownership – your company, your name, your marketing plan vetted against our established team of pros to get you the best results » Profit – maximize your revenue potential – see pro forma at end of presentation » Capture Rate – secure more homebuyers through closing cost incentives and potentially below market finance fees and rates » Value – provide a higher level of customer service to your clients » Control – superior process control to meet closing dates and close loans on time

Proposal for Newco » Builder may own up to 49% of company with a flexible buy-out clause » Newco contracts ResMac to provide all mortgage related services – i.e. licensing, compliance, loan processing, underwriting and fulfillment » Additional marketing services provided by Home Team, LLC » Newco name and brand designed around your current project or existing company name » Company distributions quarterly » Less than $25,000 start up capital required in most cases

Starting points and time tables » Partnership Agreement – review of a “boilerplate” agreement for consideration » Company Formation – legal counsel from both sides will sit down and discuss the best structure – i.e. corporation, LLC, etc. » State Licensing – this process varies from state to state but generally takes days » Marketing and Branding – company name, logo, etc. developed along with a short term and long term marketing strategy » Staffing and Training – hiring and training of origination staff

 Industry tested Mortgage Marketing, Recruiting & Management firm  Innovative marketing partnership with celebrities & professional athletes  Events include meet & greet, autograph sessions, cocktail parties, in house team building, golf clinics & tournaments, vendor appreciation, private client, and on- site gatherings, sales meetings & motivational presentations  HTE will compliment your current marketing programs to promote your new mortgage division, and company brand