1. Connecting Lucrative Opportunity with Today’s Top Talent
Business Development
Connecting Lucrative Opportunity with
Today’s Top Talent
Source * Recruit * Hire * Retain

2. Index Company Background & Corp. Culture Streamlined Operations Dept.
Innovative Technology Support
Variety of Mortgage Products
State of the Art Marketing Dept.
Seamless Boarding Process

3. About Us
Established in 2000, Residential Home Funding Corp. is a correspondent mortgage banker. The company is headquartered at 707 Westchester Ave., White Plains, NY and its operational offices are located at 100 Lanidex Plaza, 2nd floor, Parsippany, NJ.
Currently, Residential Home Funding Corp. employed over three hundred employees. Residential Home Funding Corp. is an east coast force in mortgage banking.
Our mission is simple. Residential Home Funding Corp.’s goal is “to be the lender of choice for our customers by providing both diversified and competitive mortgage financing options with excellent customer service.” With a diverse customer base that includes first time home buyers as well as high net worth individuals, Residential Home Funding Corp. can provide the appropriate financing to meet all of our customer’s specific needs.
Our solid financial performance and growth was achieved during one of the most challenging economic environments. We attribute this solid financial performance and growth to our strong capital base, sound accounting principles and adherence to strict compliance policies. Residential Home Funding Corp. also is committed to a strong set of business principles which emphasize a commitment to our customer driven strategy, commitment to excellence, and a culture that supports innovative and creative thinking and teamwork.

4. About Us
Residential Home Funding Corp. is a correspondent mortgage banker established in 2000
360+ employees as of
Licensed in twelve states:
CT, DC, DE, FL, GA, MD, NC, NJ, NY, PA, SC, VA
40+ office locations
Headquartered in White Plains, NY
Operational headquarters in Parsippany, NJ
HUD Direct Endorsed lender
FNMA seller/servicer
A+ rating with the Better Business Bureau
SSAE 16 Certification

5. Top 100 Mortgage Companies in America

6. Corporate Culture Julio Salazar, CFO Roberto Lupi, CEO
Tom Marinaro, President

7. Core Values
Our Customers Are Our Business
Our Greatest Assets Are Our People and Our Reputation
Teamwork First
Respect for the Individual
Communication Leads to Accountability
Recruit and Retain the Best People
Maintain a Positive Attitude
Do the Right Thing

8. Accomplished 2016
Hired EVP, Brian Pool To Streamline Procedures Between Sales And Ops
Named a Top Mortgage Employer by National Mortgage Professional Magazine
Launched a Fully Interactive Employee Website along with New Training Initiatives
New Endorsement from Exit Realty
Our Internet Reputation Exploded!
5,000+ likes on Facebook
200+ reviews on Google with 4.9 out of 5 star rating
1,600+ reviews on Social Survey from our customers with star rating
2016 Annual Golf Outing had Record Breaking Donations on Behalf of the RHF Foundation and DMCCF (Dean Michael Clarizio Cancer Foundation)
Created and Successfully Marketed Educational Videos Online to Generate Revenue
Revamped Compliance Dept. – Hired John Lettera, Esq. to Simplify Response Time
Highest Customer Satisfaction Results from Social Survey in our Company History

9. Variety of Products
FNMA
FHLMC (1% down)
FHA
Renovations Loans (203K & FNMA Homestyle) VA
USDA
Broker Options for Specific Niches
Commercial
Reverse (Banked)
Non QM

10. Banker Correspondents
Banc Home Loans
Caliber
Chase
CMG
Envoy
First Guaranty Mortgage Corp.
First Bank
Florida Capital Bank
FNMA
Franklin American Mortgage Corp.
Impac
Lakeview
M&T Bank
Nationstar
Pacific Union Financial
Pennymac
Platinum Home Loans
Plaza
The Money Source
Wells Fargo

11. Approved Broker List ACC Mortgage Inc. Advancial Mortgage
Angel Oak Mortgage Solutions
BAC Florida Bank
Bank of Internet Federal Bank
Bethpage Federal Credit Union
Boiling Springs Bank
Citadel Servicing Corporation
Emigrant Mortgage
First Guaranty Mortgage Corp.
Flushing Bank
Greenbox Loans, Inc.
Land Home Financial Services
Luxury Mortgage
M&T Bank
National Cooperative Bank
New Penn Financial, LLC
Normandy Corporation
Northwest Savings Bank
Plaza Home Mortgage, Inc.
Quorum Federal Credit Union
Ridgewood Savings Bank
TCF Bank
Total Mortgage Services
US Bank Consumer Division
Unity Bank

12. Mortgages For Champions

13. 203k Specialist
NJ Leader in HUD 203k Loans
Streamline and Full 203k Loans Available

14. Commercial Lending

15. Reverse Mortgages

16. Giving Back to the Communities We Serve!
RHF Foundation
Giving Back to the Communities We Serve!

17. Annual Company Meeting
The RHF Annual Company Meeting
Building Camaraderie & Inspiration to Increase Productivity!

18. Streamlined Operations Dept.
Brian Pool
Executive Vice President
Brian has been an EVP at RHF since He has more than 25 years
experience in the mortgage industry. Previously, he was a mortgage bank
owner, a national sales manager and held a DE underwriter designation.
Brian holds a B.S. degree in finance from the University of Denver.
Most recently, Brian has been instrumental in making the entire mortgage
experience better by adding state of the art technology. The goal is to achieve
thinner, simpler files with less conditions and quicker processing times.
Brian resides in Wyndemere, FL with his wife and two children. He enjoys
playing lacrosse and bicycling.

19. Streamline Operations Dept.
Maxine Smith
Executive Vice President Operations
Maxine oversees all of the departments within operations to ensure uniform and streamline processes that help the flow of our loan files. She administers quality control, uniform best standards, and strict compliance. Ms. Smith joined Residential Home Funding Corp. in 2009 and prior to that held positions for over 22 years in mortgage operations and branch development with US Mortgage Corp. and First National Funding. In 2000, she ran a branch of a mortgage banker where she learned firsthand the importance of clear communication between the branch office and parent company. That experience helped her understand what it takes to work with branch offices and provide them with the service they need and deserve. Maxine knows how to make the transition to RHFC a positive experience. She truly understands the importance of relationships in business and how important it is to maintain connections as Branch Managers and Loan Originators move forward with a new company.

20. Streamlined Operations Dept. Jean Salanitro Vice President Underwriting
Jean is a results driven mortgage professional with over 30 yrs. experience with all phases of retail, wholesale and correspondent lending. She has authored a few training manuals: Underwriting the Self Employed Borrower, Underwriting 101, Credit Guidelines and Red Flags of Fraud. Jean’s currently manages a team of 15+ underwriters and adheres to the 48 hr. turn times for customer satisfaction. She reviews and sets polices for underwriting with new investors and communicates any updates to all employees. Her availability for questions from the sales force demonstrates her passion for the borrower’s complete satisfaction with the mortgage process. She is always willing to review the loans and identify the best loan program that best meets the guidelines while maintaining compliance and quality control. Jean loves spending time with her family and enjoys boating and deeps sea fishing. Additionally, Jean is an avid football fan and looks forward to the fall season to enjoy watching the games.

21. Streamline Operations
15+ DE Certified Underwriters
Common Sense Underwriting
Heavy Influence with UW re: DU Findings
24-48 Hour Turn Times (Submissions & Re-subs)
In House UW Support Desk
Experienced & Knowledgeable Loan Committee

22. Mortgage Loan Originator Assistant
Perform specific tasks assigned by loan officer
Ensure files move through processing and closing in a timely manner
Establish appointments with clients and complete necessary documents
Make copies of important documents
Promptly respond to client’s questions and concerns
Follow up with clients at all times, keeping them informed of the loan process
Accurately obtain & review applicant’s credit history
Systematically store and maintain client data and files
Properly prepare files for submission to processing
Excellent customer service skills with clients to ensure client retention
Efficiently perform a variety of research duties in support of the branch
Stay acquainted with assigned loan officer’s daily schedule
Proficiently assist in the development of financial objectives in association with present data

23. Processor
Ability to analyze complex scenarios with regards to the processing of mortgage loans
Strong focus on customer service with proactive communication to all parties
Work directly with borrowers, sales team, and vendors
Obtain required documentation in a timely manner and work with the customer to satisfy all outstanding conditions for the underwriter to review
Detail oriented and able to adapt to an ever changing and fast paced environment
Order appropriate exhibits and review for accuracy
Adherence to established turn times and productivity metrics
Effectively use our loan operating systems to ensure that all parties can clearly determine the status of each transaction
Maintain the data integrity of loan files and compliance with applicable laws and regulations

24. DE Underwriter
Underwrite a minimum of 2.5 (average) new loan files a day in addition to clearing conditions for files to close
Manage pipeline to insure closing date deadlines and meet borrower’s expectations
Perform a thorough analysis to ensure the quality of each loan and to determine compliance with company and investor guidelines
Apply and interpret company underwriting guidelines and makes sound credit decision
Complete credit, income analysis of loan, ensures proper audits are completed and verify consistency of loan file information
Review of appraisal to insure collateral meets all industry standards
Review and evaluate credit information on mortgage loan documents to determine acceptability into specific loan programs
Determine any conditions, stipulations or pre-funding requirements
Review receipt of any conditions, stipulations or pre-funding requirements within hours
Communicate with loan officers, processors, underwriting manager and operations managers as required to resolve outstanding issues
Review and cure any investor post-closing suspense requirements
Assist departmental support staff when necessary

25. Closer
Double check the following items: homeowner’s insurance; flood certification; title clearance; document expiration date and rate lock expiration date
Prepare closing package through encompass
Run all high cost tests through Mavent
Prepare 203k loans through doc magic and run all high cost tests through docmagic compliance testing
Prepare addendum to closing instructions listing all special conditions to be complied with at closing
Forward closing package to include final fee sheet and addendum to closing instructions to settlement agent
Review and approve final Hud-1 settlement statement prepared by settlement agent and resolve any issues prior to turning loan over to funder to order wire
Once final Hud is approved turn file over to funder to order wire
Mark milestone in encompass as “doc signed”

26. Marketing
Exceptional & Knowledgeable Marketing Team
SEO Specialist
Press Releases
Web Developer on Staff to Customize Marketing Flyers
Co-marketing Flyers
Zillow
Trulia
Lending Tree
Radio Shows/Advertising
Virtual Assistant

27. Unify - Customer Relationship Manager (CRM) 700+ Pieces of Collateral

28. Social Survey
Each response will be shared
with every connection

29. Business Development – WebMax Website Create Your Individual & Compliant URL
Integrated Directly into Encompass

30. Full Service Employee Website (aka-Corp. Hub)

31. Library of Approved Videos Ready for Distribution
Click here to start video -- What is a VA Loan?

32. Library of Approved Videos Ready for Distribution
Click here to Watch Video-- What is a Reverse Mortgage?

33. Trade Show Exhibitor Experts (25+ Shows/yr.)

34. Advanced Technology Ellie Mae/Encompass 360 Loan Operating System
Extensive Custom Built Integration
Paperless
Custom Fields/Dropdowns
Detailed Reporting Capabilities
Real Time Rates
Mortgage Pricing System Built into Encompass with Specific Underwriting Guidelines
FNMA 1st day certainty © — Simplified VOE & VOA Software
Loan Beam © — Self-employed Income Calculation Software
Form Free © — Integrated AUS & DU
Web Based Payroll
Employee website —

35. Seamless Boarding Process
Electronic employment application process
24 hr. turn time with written offer letter
Codes/Access issued within 24 hrs. of date of hire
Welcome contact (assist you with ordering business cards, set up WebMax- individual websites, etc.)
Monthly New Hire Orientation
Ongoing training events posted on employee calendar

36. Effective Training Program Monthly Calendar of Events Posted on the Employee Website

37. Recruiting Opportunities — Where to Focus
Appraisers
Mortgage Insurance Co.
Title Companies
Attorneys
R/E Agents
Board of Realtor Websites
Financial Planners
Trade Shows
Credit Unions/Banks