DV CAPITAL MORTGAGEDV CAPITAL MORTGAGE

2401 Stanwell Dr., Suite 2401 Stanwell Dr., Suite 460-12460-12

Concord, CA 94520Concord, CA 94520

RESIDENTIALRESIDENTIAL

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COMMERCIALCOMMERCIAL

DANTE MUNGCALDANTE MUNGCAL

BROKERBROKER

OUR MISSIONOUR MISSION

Our mission is Our mission is to serve our to serve our customers customers with honesty, with honesty, integrity and integrity and competencecompetence. .

OUR GOALOUR GOAL

Is to provide home loans and Is to provide home loans and commercial loans to our clients commercial loans to our clients while providing them with the while providing them with the lowest interest rates and closing lowest interest rates and closing cost possible. Furthermore, we cost possible. Furthermore, we pledge to help overcome roadblocks pledge to help overcome roadblocks that can arise while securing a loan.that can arise while securing a loan.

We are hiring loan We are hiring loan agents and these are agents and these are the qualifications we the qualifications we are looking for:are looking for:

You have to be a people You have to be a people person personReliableReliableHard workerHard workerHave a positive attitudeHave a positive attitudeKnow how to smileKnow how to smile

LACK OF LACK OF EXPERIENCE?EXPERIENCE?

No experience No experience required to be a required to be a loan originator.loan originator.

Computer Computer experience is not experience is not requiredrequired

LOAN AGENTLOAN AGENT1003 – Loan application1003 – Loan application

Loan disclosureLoan disclosure

Submit your loan Submit your loan application to loan application to loan processorprocessor

We will do the rest of We will do the rest of the work for youthe work for you

COMMISSION LEVELCOMMISSION LEVEL

GRADE LEVELGRADE LEVEL PERSONALPERSONAL

COMMISSION COMMISSION TEAMTEAM

COMMISSIONCOMMISSION

PROMOTION PROMOTION

LOAN AGENTLOAN AGENT

LEVEL 1LEVEL 140%40% 5%5%

LOAN AGENTLOAN AGENT

LEVEL 2LEVEL 250%50% 10%10% 45,000 45,000

POINTS IN POINTS IN

6 MTHS6 MTHS

SR. LOAN SR. LOAN AGENTAGENT

55%55% 10%10% 65,000 65,000 POINTS IN POINTS IN

6 MTHS6 MTHS

DIRECTORDIRECTOR

After 3After 3rdrd level level65%65% 15%15%

4%4%120,000 120,000 POINTS IN POINTS IN

6 MTHS6 MTHS

FIELD VICE FIELD VICE PRESIDENTPRESIDENT

72%72% 4%4% 200,000 200,000 POINTS IN POINTS IN 6 MTHS6 MTHS

AREA VICE AREA VICE PRESIDENTPRESIDENT

76%76% 4%4% 300,000 300,000 POINTS IN POINTS IN 6 MTHS6 MTHS

SR. VICE SR. VICE PRESIDENTPRESIDENT

80%80% 4%4% 500,000 500,000 POINTS INPOINTS IN

6 MTHS6 MTHS

Your First Goal: Financial Your First Goal: Financial IndependenceIndependence

The definition of financial The definition of financial independence is having enough independence is having enough money coming in every month to money coming in every month to make your mortgage and car make your mortgage and car payments, put food on the table, payments, put food on the table, have a little luxury money left, and have a little luxury money left, and not need a full time job.not need a full time job.

This is a great part time job.This is a great part time job.

Loan amount, $ 600,000 (3 points), Loan amount, $ 600,000 (3 points), 40% commission level40% commission level

Close 1 loan a month - $ 7,200Close 1 loan a month - $ 7,200 Close 5 loans a month - $36,000Close 5 loans a month - $36,000

50% commission level (3 points)50% commission level (3 points)

Close 1 loan a month - $ 9,000Close 1 loan a month - $ 9,000 Close 5 loans a month - $45,000Close 5 loans a month - $45,000

Creating a Power TeamCreating a Power Team How do you do this?How do you do this?

By assembling your own Power Team. A By assembling your own Power Team. A team of people who will get the results you team of people who will get the results you want and committed to your success who want and committed to your success who provide the human foundation for your provide the human foundation for your operations.operations.

Putting together and maintaining a Power Putting together and maintaining a Power Team is an ongoing process. Once you get Team is an ongoing process. Once you get one or two people on your team, the rest one or two people on your team, the rest will come in a very natural, logical flow.will come in a very natural, logical flow.

You meet people in church, at a party, or You meet people in church, at a party, or even in line at the grocery store.even in line at the grocery store.

Pay attention when you meet people so you Pay attention when you meet people so you don’t miss any opportunities.don’t miss any opportunities.

Always be alert to potential new members Always be alert to potential new members for your Power Team.for your Power Team.

Remember that your Power Team will Remember that your Power Team will change over time. You will lose some change over time. You will lose some people and add others.people and add others.

WORDS OF WISDOM:WORDS OF WISDOM: Don’t let an incomplete Power Team stop Don’t let an incomplete Power Team stop

you from getting started. You’ll find the you from getting started. You’ll find the people you need as you go along.people you need as you go along.

SET YOUR OBJECTIVESSET YOUR OBJECTIVES Now that you have created Now that you have created

a team, you are ready to a team, you are ready to prepare the actual prepare the actual marketing plan. Your first marketing plan. Your first task for marketing plan is task for marketing plan is to set your sales objectives. to set your sales objectives. Without the required sales, Without the required sales, you will not generate the you will not generate the necessary profits. necessary profits. Remember, profits are Remember, profits are “king”. That is why you are “king”. That is why you are in business. Setting sales in business. Setting sales objectives is one of the objectives is one of the most important but most important but demanding steps in demanding steps in preparing an effective preparing an effective marketing plan.marketing plan.

WHAT’S STOPPING YOU?WHAT’S STOPPING YOU? Many people believe they can’t be successful Many people believe they can’t be successful

because of long-held misconceptions about what because of long-held misconceptions about what it takes to succeed. Are any of these beliefs it takes to succeed. Are any of these beliefs stopping you?stopping you?

MISCONCEPTION: Some people can’t be MISCONCEPTION: Some people can’t be successful because of their background, successful because of their background, education, or other factors beyond their control.education, or other factors beyond their control.

REALITY: Anyone who wants to can be REALITY: Anyone who wants to can be successful. It’s a matter of having the desire, successful. It’s a matter of having the desire, learning what to do and how to do it, and then learning what to do and how to do it, and then doing it.doing it.

MISCONCEPTION: You’ve got to work 60, 70, or MISCONCEPTION: You’ve got to work 60, 70, or 80 hours a week to be successful.80 hours a week to be successful.

REALITY: Though you have to work hard to REALITY: Though you have to work hard to achieve success, it’s not a matter of quantity achieve success, it’s not a matter of quantity but rather of quality. Doing the right things will but rather of quality. Doing the right things will lead to success.lead to success.

MISCONCEPTION: Successful people don’t make MISCONCEPTION: Successful people don’t make mistakes.mistakes.

REALITY: Successful people make plenty of REALITY: Successful people make plenty of mistakes. What they also do is learn from those mistakes. What they also do is learn from those mistakes so they don’t repeat them.mistakes so they don’t repeat them.

MISCONCEPTION: It takes luck to be successful.MISCONCEPTION: It takes luck to be successful.

REALITY: Luck has nothing to do with it. Success REALITY: Luck has nothing to do with it. Success takes finding the right opportunity, educating takes finding the right opportunity, educating yourself about how the opportunity works, and yourself about how the opportunity works, and then taking action while you continue to learn.then taking action while you continue to learn.

WHAT IS A WHAT IS A MORTGAGE MORTGAGE BROKER?BROKER?

Mortgage brokers Mortgage brokers find mortgage find mortgage money for the money for the borrower from other borrower from other mortgage bankers. mortgage bankers. Broker don’t make Broker don’t make the loans the loans themselves, but themselves, but arrange mortgage arrange mortgage financing at the financing at the request of the request of the borrower.borrower.

WHY DO MORTGAGE WHY DO MORTGAGE COMPANIES USE COMPANIES USE

MORTGAGE BROKERS?MORTGAGE BROKERS?

Most mortgage brokers are Most mortgage brokers are smaller operations than mortgage smaller operations than mortgage bankers. Mortgage bankers use bankers. Mortgage bankers use brokers to be able to make more brokers to be able to make more loans with less overhead. Instead loans with less overhead. Instead of opening up a retail operation of opening up a retail operation and hiring loan processors and and hiring loan processors and loan officers and paying rent, loan officers and paying rent, utilities, insurance, and all the utilities, insurance, and all the associated costs of running a associated costs of running a mortgage operation, wholesale mortgage operation, wholesale mortgage bankers instead use mortgage bankers instead use brokers to market their loans for brokers to market their loans for them. In this case the brokers use them. In this case the brokers use their own overhead, hire and their own overhead, hire and manage their own staff, pay their manage their own staff, pay their own bills, and in turn get reduced own bills, and in turn get reduced mortgage pricing. There shouldn’t mortgage pricing. There shouldn’t be any higher rates or fees just be any higher rates or fees just because you choose a broker because you choose a broker instead of a banker. instead of a banker.

ARE MORTGAGE BROKERS ARE MORTGAGE BROKERS MORE EXPENSIVE?MORE EXPENSIVE?

No, not at all. Brokers get interest No, not at all. Brokers get interest rates at discounts not available to rates at discounts not available to general public. As with most general public. As with most businesses in the United States businesses in the United States that offer a product for sale, there that offer a product for sale, there is a wholesale side as well as a is a wholesale side as well as a retail side to the mortgage retail side to the mortgage business. Mortgage brokers get business. Mortgage brokers get their loans on a wholesale basis. their loans on a wholesale basis. Brokers get their mortgage money Brokers get their mortgage money from wholesale divisions of from wholesale divisions of mortgage bankers. Mortgage mortgage bankers. Mortgage bankers that work with mortgage bankers that work with mortgage brokers have operations within brokers have operations within their company called “wholesale” their company called “wholesale” divisions, which offer reduced divisions, which offer reduced mortgage rates to mortgage mortgage rates to mortgage brokers.brokers.

WHAT IS A WHAT IS A MORTGAGE?MORTGAGE?

A mortgage is a financial A mortgage is a financial claim against your real claim against your real estate. Mortgage is a estate. Mortgage is a generic term used to generic term used to describe several different describe several different combinations of legal combinations of legal documents that allow you documents that allow you to get financing to buy a to get financing to buy a home. The documents home. The documents (note, bond, mortgage, (note, bond, mortgage, deed of trust, security deed of trust, security deed) that you will use deed) that you will use depend on the state in depend on the state in which the property is which the property is located and the type of located and the type of loan you are getting. loan you are getting.

WHO SETS MORTGAGE WHO SETS MORTGAGE RATES?RATES?

Lenders each set interest rates Lenders each set interest rates every business morning as markets every business morning as markets open. There are various indexes open. There are various indexes but for fixed rate mortgages but for fixed rate mortgages they’re set to a mortgage bond and they’re set to a mortgage bond and priced accordingly. A 30 year fixed priced accordingly. A 30 year fixed rate price will be tied to the current rate price will be tied to the current 30 year Fannie Mae coupon being 30 year Fannie Mae coupon being traded that day. If the yield on that traded that day. If the yield on that mortgage bond (coupon) goes mortgage bond (coupon) goes down, then lenders will drop their down, then lenders will drop their interest rates. If that yield goes up, interest rates. If that yield goes up, the rates goes up. the rates goes up.

For adjustable rate mortgages they For adjustable rate mortgages they do the very same thing. If your do the very same thing. If your ARM is based on the 1 year ARM is based on the 1 year treasury, then your rate will move treasury, then your rate will move up or down depending upon the up or down depending upon the current price of a 1 year treasury. current price of a 1 year treasury. So it goes with any other loans that So it goes with any other loans that track a particular index. If that track a particular index. If that index goes up or down, your rate index goes up or down, your rate will move along with it. will move along with it.

THE APPLICATION THE APPLICATION PROCESSPROCESS

PrequalificationPrequalification ShoppingShopping ApplicationApplication VerificationVerification UnderwritingUnderwriting ApprovalApproval ConditionsConditions Draw Docs to titleDraw Docs to title SigningSigning FundingFunding RecordingRecording

EDUCATING EDUCATING CONSUMERSCONSUMERS

Leverage old money Leverage old money and create new money and create new money to invest (home to invest (home equity). equity).

Your house will grow in Your house will grow in value.value.

Your mortgage is the Your mortgage is the cheapest money you’ll cheapest money you’ll ever buy.ever buy.

Your mortgage is the Your mortgage is the best way you can lower best way you can lower your taxes. Interest your taxes. Interest you pay on personal you pay on personal loans, auto loans and loans, auto loans and credit cards is not tax credit cards is not tax deductible.deductible.

Get the cash out of the Get the cash out of the house while you can.house while you can.

The main reason people The main reason people turn to borrowing is turn to borrowing is because they have little because they have little or no income. But it you or no income. But it you ever suffer a job loss, ever suffer a job loss, major medical or other major medical or other financial crisis, you financial crisis, you could find yourself could find yourself unable to get a home unable to get a home loan. loan.

Lenders don’t like to Lenders don’t like to lend money if you are lend money if you are already in financial already in financial difficulty.difficulty.

PRODUCT PROFILESPRODUCT PROFILES

WE DELIVER:WE DELIVER: Streamline transactionsStreamline transactions Speed of decisionSpeed of decision EfficiencyEfficiency ConvenienceConvenience

WE HAVE A WIDE ARRAY WE HAVE A WIDE ARRAY OF LOAN PROGRAMS:OF LOAN PROGRAMS:

30 and 40-Year Amortization 30 and 40-Year Amortization TermTerm

Premium A Credit GradePremium A Credit Grade 100% Financing 80/20 and 100% Financing 80/20 and

Piggyback Loan ProgramPiggyback Loan Program Credit Grades “A” through Credit Grades “A” through

“C”“C” Interest Only ProductsInterest Only Products Fully Amortized Fixed Rate Fully Amortized Fixed Rate

LoansLoans ARM Loans Based On 6-ARM Loans Based On 6-

month LIBORmonth LIBOR

PICK A PAYMENT/OPTION PICK A PAYMENT/OPTION ARM LOANARM LOAN

This example illustrates the This example illustrates the monthly payment of a monthly payment of a $500,000 loan with a $500,000 loan with a payment based on an payment based on an effective first year interest effective first year interest rate of 1.00% and an APR of rate of 1.00% and an APR of 5.8% amortized over 30 5.8% amortized over 30 years. Fixed for 1 year.years. Fixed for 1 year.

Option One: $ 1,608.20 Option One: $ 1,608.20 Minimum payment, negative arm.Minimum payment, negative arm. Option Two: $ 2,416.67 Option Two: $ 2,416.67 Interest onlyInterest only Option Three: $ 2,933.77Option Three: $ 2,933.77 Principal & interest (30 year)Principal & interest (30 year) Option Four: $ 4,165.45Option Four: $ 4,165.45 Principal & interest (15 year)Principal & interest (15 year)

NO DOWNNO DOWN

80/20 LOAN80/20 LOAN

620 + FICO SCORE620 + FICO SCOREWAGE EARNERWAGE EARNERSELF EMPLOYEDSELF EMPLOYEDSTATEDSTATED

100% FINANCING AND 80/20 100% FINANCING AND 80/20 PIGGYBACK LOAN PROGRAMPIGGYBACK LOAN PROGRAM

Minimum Credit Score 575 Minimum Credit Score 575 for Full Doc and 620 for for Full Doc and 620 for Stated IncomeStated Income

Up to 30 year term on second Up to 30 year term on second lien loanslien loans

1x30 Mortgage/rent lates in 1x30 Mortgage/rent lates in the 12 monthsthe 12 months

Maximum $200,000 Maximum $200,000 Piggyback Second Lien LoansPiggyback Second Lien Loans

Purchase and Refinance Purchase and Refinance transactionstransactions

Owner Occupied SFR, Condo, Owner Occupied SFR, Condo, Townhouse and 2-unitsTownhouse and 2-units

Impounds available but not Impounds available but not requiredrequired

No reserves requiredNo reserves required Maximum Debt-to-income to Maximum Debt-to-income to

50%50%

10% DOWN10% DOWN

PICK A PAYMENT OR PICK A PAYMENT OR POWER OPTION POWER OPTION PROGRAMPROGRAM

80/10 LOAN80/10 LOAN

620 + FICO SCORE620 + FICO SCOREWAGE EARNERWAGE EARNERSELF EMPLOYEDSELF EMPLOYED

20% DOWN20% DOWN

PICK A PAYMENT PICK A PAYMENT FIXED FOR 5 YEARS FIXED FOR 5 YEARS NEG ARMNEG ARM

80% LOAN80% LOAN

620 + FICO SCORE620 + FICO SCOREWAGE EARNERWAGE EARNERSELF EMPLOYEDSELF EMPLOYED

CREDIT GRADES “A” CREDIT GRADES “A” THROUGH “C”THROUGH “C”

Documentation types – Full, Documentation types – Full, Limited and StatedLimited and Stated

Maximum Loan AmountsMaximum Loan AmountsA $1MA $1MA- $850KA- $850KB+ $750KB+ $750KB $650KB $650KC $600KC $600K

SFR, Condo, Townhouse, 2-4 SFR, Condo, Townhouse, 2-4 Units, and Second homesUnits, and Second homes

Owner occupied condo and Owner occupied condo and 2-unit to 100% LTV with no 2-unit to 100% LTV with no add-onsadd-ons

Up to a 40 year termUp to a 40 year term Maximum Debt-to-Income up Maximum Debt-to-Income up

to 90% LTV, 50% on LTVs to 90% LTV, 50% on LTVs greater than 90%greater than 90%

Prepayment buyout Prepayment buyout availableavailable

40 YEAR AMORTIZATION 40 YEAR AMORTIZATION TERMTERM

Three options Three options available: 40-Year available: 40-Year Fixed, 2/38 ARM and Fixed, 2/38 ARM and 3/37 ARM3/37 ARM

Minimum 550 Credit Minimum 550 Credit Score (Full DOC)Score (Full DOC)

Loan sizes up to $1MLoan sizes up to $1M All documentation All documentation

types availabletypes available Maximum LTV 100%, Maximum LTV 100%,

Maximum CLTV 100%Maximum CLTV 100%

CONSTRUCTION LOANSCONSTRUCTION LOANS

Our Construction-to-Permanent Loan, Our Construction-to-Permanent Loan, often referred to as a CTP or One-Time often referred to as a CTP or One-Time Close, provides a single approval and Close, provides a single approval and closing for three stages of closing for three stages of construction:construction:

1. Land acquisition.1. Land acquisition. 2. Construction financing for 6, 9, 12, 2. Construction financing for 6, 9, 12,

15, or 18 months.15, or 18 months. Conversion into a permanent loanConversion into a permanent loan

15 and 30 year fixed15 and 30 year fixed 1 YR, 3/1 and 5/1 Treasury ARMs1 YR, 3/1 and 5/1 Treasury ARMs

FEATURES:FEATURES:

One time closing with one appraisal.One time closing with one appraisal. Loan amounts up to $3,000,000Loan amounts up to $3,000,000 Full Doc, Stated Income, No ration doc Full Doc, Stated Income, No ration doc

types.types. Decision credit scores as low as 640Decision credit scores as low as 640 Owner builder with site supervisor Owner builder with site supervisor

allowed.allowed. Available for primary residences and Available for primary residences and

second homes.second homes.

BORROWERS CAN USE BORROWERS CAN USE CTP LOAN TO:CTP LOAN TO:

Combine with a lot loan Combine with a lot loan to purchase a lot and to purchase a lot and build a new home.build a new home.

Purchase and remodel Purchase and remodel an existing home.an existing home.

Refinance and remodel Refinance and remodel a home.a home.

Demolish and rebuild a Demolish and rebuild a home.home.

Complete construction Complete construction on a work in progress. on a work in progress.