joe donnelly loan officer recruiting
DESCRIPTION
RESIDENTIAL FINANCE CORPORATION IS AN AWARD WINNING NATIONWIDE MORTGAGE LENDER. WEHAVE PERFECTED A SYSTEM THAT ALLOWS US TO PROVIDE OUR BORROWERS WITH FAST, ACCURATEAND CONSISTENT SERVICE, AND WE HAVE BEEN DOING THIS SUCCESSFULLY WITH COMMITTED ORIGINATORS LIKE YOU AND BY PROVIDING A HIGH LEVEL OF QUALITY SERVICE SINCE 1997.TRANSCRIPT
RESIDENTIAL FINANCE CORPORATION
Your Opportunity Begins Here.
Let’s Get Started!Joe Donnelly Vice President of Sales 813.316.2165 Direct 888.644.3507 Fax [email protected] www.residentialfinance.com 4010 W. Boy Scout Boulevard
Suite 600
Tampa, FL 33607
Page 2 Residential Finance Corporation - NMLS 1652
SERVICE PROS: If you can’t get loans closed with speed, accuracy and simplicity, little else matters. Our focus is to offer efficiency in our underwriting department that meets your needs and exceeds your expectations. It is this level of professionalism that allows us to attract and retain the top producing talent in our market.
LENDING PROS: With fewer loan products available in the general market, it is important to work with a company that has access to all of the remaining programs. FHA Full Eagle certified and have VA Automatic Authority; we also offer USDA, State Housing Programs, Conforming, Jumbo, Reverse, Commercial, 203k, High Balance and more.
TRAINING PROS: Providing you with the tools for success, a roadmap to get there and instruction along the way, RFC’s training pros allow you to reach new heights and accomplish your goals.
LICENSING PROS: We have a dedicated licensing and compliance team to support you in maintaining your current licensing as well as increasing your licensing footprint.
WELCOME
Join The Team
RESIDENTIAL FINANCE CORPORATION IS AN AWARD WINNING NATIONWIDE MORTGAGE LENDER. WE
HAVE PERFECTED A SYSTEM THAT ALLOWS US TO PROVIDE OUR BORROWERS WITH FAST, ACCURATE
AND CONSISTENT SERVICE, AND WE HAVE BEEN DOING THIS SUCCESSFULLY WITH COMMITTED
ORIGINATORS LIKE YOU AND BY PROVIDING A HIGH LEVEL OF QUALITY SERVICE SINCE 1997.
A Culture Of Excellence.
Page 3 Residential Finance Corporation - NMLS 1652
Integrity Whether you’re an IT genius,
a seasoned Loan Officer, or a
marketing guru – a career at
RFC is about under promising
and over delivering. It’s
about ensuring your actions
match your words. It’s
about returning calls right
away – to each other, to
our vendors, and to our
customers. That’s integrity.
And, integrity is never
forgetting that a home loan
is not a business transaction
– it’s the financial security of
our customers and the place
they put their children to
sleep, every night.
RelationshipA career at RFC is more
than funding loans. It’s
remembering that we are
people working with and for
people. It’s taking the time to
form deep relationships with
our coworkers, customers
and the community. It
means not only knowing
our clients credit history but
also knowing their children’s
names and personal goals.
That takes work, and it
doesn’t happen overnight.
But it’s rewarding and it’s
worth it.
ValuesPrice is what you pay; value
is the tangible commodity of
what you get. Value is more
than a great interest rate on
your mortgage. It’s closing
your loan on time. In the end,
value is about increasing the
quality of life for everyone
involved in the process – our
customers, each other, our
vendors and suppliers. We
believe in developing a bond
that lasts beyond the closing
table.
FamilyWork has a tendency to
become a second home.
When we spend 40 hours or
more a week in the company of
other people, they tend to feel
like family.
At RFC, it’s no different. We
believe in our value system,
work together to achieve the
same goal, and understand
each other’s successes and
struggles.
This atmosphere allows us to
laugh, share, play and work
together. It is truly the kind of
family of which you feel proud.
We hold fast to strong core values in our business. Commitment to these values allows us to build trust with clients, because we consistently show integrity in the workplace, acknowledge success, and celebrate achievement. To achieve our mission of providing best in class service to our employees and customers, we have adopted a value system built on three key components: integrity, relationship, and value. These values create a community of people who work together toward a common goal.
ABOUT RFC
Integrity
Integrity. Relationship. Value.
Integrity Values
Relationship
Page 4 Residential Finance Corporation - NMLS 1652
OUR CULTURE
Work can be demanding. Join our team and you’re guaranteed to be challenged. We require you to go to extraordinary lengths to WOW your customers – both internal and external. We’ll expect a high level of passion, energy and dedication every day.
WORK HARD, PLAY HARD... RFC STYLE!
And for those with the heart to become a part of the RFC family – we promise you’ll never feel like a number as we strive to inspire you. We make you feel like you are a part of something bigger than just a company. We are family, and at RFC no one is a number. Every associate, in every position, can see their effect on the company, our customers and our community.
CULTURE
You spend a great deal of your life at work. Why not spend it with people who treat you like family?
What Does Culture Mean To You?
Here you’re never a number!
Page 5 Residential Finance Corporation - NMLS 1652
Our management team is instrumental in the healthy growth of RFC. In an industry that demands vision and innovation, our team’s knowledge and dedication has given this company a huge competitive advantage.
EXECUTIVE TEAM
Leadership Stength.
Barry Habib, Chief Market StrategistBarry serves as our resident market expert providing our sales force exclusive market insights, through daily videos, sales calls and real-time bond quotes. Before joining RFC, Barry was the founder, creator and CEO of Mortgage Market Guide, which helped to interpret and forecast activity in the mortgage rate and bond markets. Barry has also enjoyed a long tenure as a financial commentator and expert on FOX Business News and CNBC’s Squawk Box.
Daniel Jacobs, President of Retail BranchingDaniel serves as President of Retail Branching, overseeing the strategy and growth of RFC’s Retail Branching Division. He previously served as CEO of 1st Metropolitan Mortgage, a national $4 billion per year, 250 branch national originator. Named one of the “Most influential Mortgage Professionals Under 40” in 2009 & 2011, Daniel has been published and quoted as an industry expert in publications such as The Wall Street Journal .
Michael Isaacs, Chief Executive OfficerPresident and Chief Executive Officer Michael Isaacs founded Residential Finance in 1997. Mr. Isaacs’ leadership enabled the company to increase revenue 63% over the past three years and has led to over 12 notable awards, including INC Magazine’s Fastest Growing Companies List, Best Place to Work, and Sales Department of the Year. His career in finance spans more than 20 years in the mortgage and building industries.
David Stein, Senior Vice President & General CounselAs co-founder, David serves as Senior Vice President & General Counsel. David directs legal, regulatory and compliance efforts. He gained significant experience as a private legal practitioner with emphasis in labor and employment law, real estate and civil litigation and is a former adjunct professor of law at The Ohio State University.
Doug Harris, Chief Operating OfficerDoug directs all lending operations from disclosure through secondary. Previously, Doug spent nearly a decade at the nation’s sixth largest bank, US Bank, where he was responsible for leadership and P&L for two of the bank’s divisions – Secondary Marketing and Correspondent Lending – and was key in helping the bank grow its assets from $14B to $170B.
Jessica Manna, VP & Chief Marketing OfficerJessica directs all advertising, public relations, lead generation, and interactive marketing. Previously, Jessica was a consultant at a database marketing agency serving many top mortgage banking clients. She is listed as one of Direct Marketing News’ “Top 30 [Marketers] Under 30” and under her direction the RFC marketing department has been honored to win four awards of excellence.
Jude Tribble, VP & Corporate CounselJude has served as our Senior Corporate Counsel for over two years and is in charge of directing the legal, licensing, quality-control and compliance departments. In her tenure with RFC, she has helped create a premier licensing and compliance operation, which has grown in significance and scope in recent years. She is an industry veteran and a frequent lecturer on topics relating to regulatory and compliance initiatives.
Alan Rabideau, Chief Information OfficerAlan directs all technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Alan’s 10 year career at RFC has led to continuous innovation and improvement, leveraging technology to improve productivity, efficiency and user experience.
Page 6 Residential Finance Corporation - NMLS 1652
Our dedication and downright obsession with service has been recognized time and again by some of the most respected experts in their field, as well as by our peers, employees, and partner companies.
AWARD WINNING
Excellence: Our Passion, Our Obsession.
EXCELLENCE IN PRACTICEAmerican Society of Training & Development
SALES DEPARTMENT OF THE YEARAmerican Business Awards
BEST PLACE TO WORK - 4X WINNERColumbus Business First , Tampa Bay Business Journal
INC. 5000 FASTEST GROWING CO HONOREE -2XInc. Magazine
FAST 50 - 7X WINNERColumbus Business First
CORPORATE CARING AWARD - 2X WINNERBusiness First
ACHIEVEMENT IN MARKETING AWARDAmerican Marketing Association
TOP 30 (MARKETERS) UNDER 30Direct Marketing News
SPIRIT OF LENDINGTREE AWARDLendingTree
DATABASE EXCELLENCE AWARD National Center for Database Marketing
Page 7 Residential Finance Corporation - NMLS 1652
STRATEGY
Market strategy. Expert Guidance.BARRY HABIB, CHIEF MARKET STRATEGIST
Barry Habib is one of the mortgage industry’s most knowledgeable and experienced professionals. He has more than 17 years of experience in the financial industry and appears monthly on CNBC and Fox News as a financial expert. Barry has joined the RFC family as Vice President and Chief Market Strategist.
Along with his success as an originator, Barry brings the RFC family his in-depth understanding of the market and ability to forecast mortgage rate and bond markets. By offering training and one-on-one coaching and support, Barry will help originators and branch managers develop the skills to successfully create and maintain relationships with Realtors and builders in their communities.
EXCLUSIVE ACCESS TO:
• Daily Market Watch Videos• Real-time MBS Quotes• Sales Calls• Realtor Events• And more...
Page 8 Residential Finance Corporation - NMLS 1652
David HayPricing Analyst
You have a full service marketing agency at your service with over 40 years of combined marketing experience and mortgage industry specific marketing expertise. It is our goal to support your success and profitability.
MARKETING
marketing: Your success is our focus.
In-House Award Winning Agency!
JESSICA MANNA, VICE PRESIDENT & CHIEF MARKETING OFFICER
Jessica directs all advertising, public relations, lead generation, and interactive marketing. Previously, Jessica was a consultant at a database marketing agency serving many top mortgage banking clients. She is listed as one of Direct Marketing News’ “Top 30 [Marketers] Under 30” and under her direction the RFC Marketing Department has been honored to win four awards of excellence.
Corey TrujilloMarketing Director
Sean BurkeSocial Media Intern
Troy WestSenior Marketing Analyst
Karmi Van WykSr. Marketing Strategist
Annie KeenerMarketing Coordinator
Combined…
65 years marketing
experience & 28
years mortgage
experience!
Page 9 Residential Finance Corporation - NMLS 1652
We want you to be all that you can be at RFC, and we give you the marketing tools to ensure you reach consumers with your message of excellence and commitment.
MARKETING
marketing: endless resources.
TECHFEATURES
M A R K E T I N G L I B R A RY
• Catalog of effective and compliant collateral.• Personalized with your name and photo.• Available for Realtors and business partners as well as
customers and prospects.• Many pieces to choose from including:
• Purchase• Refinance• About us• I’ve moved• About your Loan Officer• Products (203k, FHA, Reverse, etc.)• And more...
• No cost, quick turn-around for custom design pieces.
O N L I N E CO M PA N Y S T O R E
• Online store for promotional and print items.• Business Cards• Stationary• Note Cards• Promotional Products• Brochures• Postcards• Magnets• Pens• Gifts• And More...
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage Banker
BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm;
Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii
Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential Mortgage Lending License #1652; Maryland
Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009
Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent Mortgage Banker and Secondary Mortgage Loan
Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio Business Certificate
SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage
Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel
Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin
Mortgage Banker, No. 21906.
E xc E l l E n c E i n P r ac t i c E
American Society of Training & Development
Our Loan Officers are highly-trained experts.
Our “Lend-U” University is an in-house award
winning training program that keeps them up to
date on the industry and current products.
S a l E S D E Pa r t m E n t o f t h E YE a r
American Business Awards
We took top honors for achieving a double-
digit growth in sales per loan officer. How? We
provide the best customer service to our clients
combined with great loan products.
B E S t P l ac E to W o r k - 3 x W i n n E r
Columbus Business First , Tampa Bay Business Journal
We’ve got a great culture and it shows with
three-time winner of Best Place to Work. We
believe in our team and they take that culture to
our valued clients every day.
i n c . 5000 fa S t E S t G r o W i n G co - 2 x W i n n E r
Inc. Magazine
Twice honored by top business periodicals as
a Fastest Growing Company, we’ve had steady
growth even in challenging times.
fa S t 50 - 7 x W i n n E r
Columbus Business First
Seven-time winner of the prestigious award
honoring the fastest growing companies in
Columbus. We’re passionate about being the
best in the industry.
co r P o r at E c a r i n G aWa r D - 3 x W i n n E r
Business First
True leadership is stewardship. Twice honored
as a leader in corporate philanthropy, we find
many impactful ways to give back to the local
communities where our clients are located.
ac h i E v E m E n t i n m a r k E t i n G aWa r D
American Marketing Association
With one of the most experienced and talented
marketing teams in the country, we provide
more ways for our team to stay in touch with
their clients.
to P 30 ( m a r k E t E r S ) U n D E r 30
Direct Marketing News
Our Chief Marketing Officer is the #2 marketer in
the country in the prestigious “Top 30 Marketers
Under 30.” She is dedicated to the integrity of
the RFC brand and it’s ethics and services.
S P i r i t o f l E n D i n G t r E E aWa r D
LendingTree
As a leading partner on the LendingTree network
of lenders, we received the Spirit of LendingTree
Award.
Data B a S E E xc E l l E n c E aWa r D
National Center for Database Marketing & Direct
Marketing Association
We believe that better data ensures matching
the right client with the right product. This allows
our team to make them aware of opportunities
they may have otherwise missed.
AWARD WINNING
O u r d e d i c at i O n a n d d O w n r i g h t O b s e s s i O n w i t h s e r v i c e h a s b e e n r e c O g n i z e d t i m e a n d a g a i n b y s O m e O f
t h e m O s t r e s p e c t e d e x p e r t s i n t h e i r f i e l d, a s w e l l a s b y O u r p e e r s , e m p l O y e e s , a n d b O r r O w e r s . w h i l e
t h e s e a w a r d s a r e a n h O n O r a n d c O n f i r m at i O n O f O u r c O m m i t m e n t, O u r g r e at e s t a n d m O s t v a l u e d
a w a r d i s t h e s at i s fa c t i O n O f O u r c l i e n t s i n f i n d i n g t h e b e s t l O a n t O f i t t h e i r n e e d s .
Excellence is not just our passion, it’s an obsession.
call toDaY:
123 STREET NAME SUITE 100 CITY, ST 12345 [email protected] JANEBRANCH.RESIDENTIALFINANCE.COM
RFC Award Winning—05-29-11©
Jane Branch
Branch Manager
NMLS# 12345
SAMPLE DATA
222.222.2222 ofc
123.123.1234 fax
111.111.1111 cell
It’s time to create your own
OppOrtunity
the Benefits of refinancing:
Refinancing can give you the boost you need to reach your financial
goals faster, with less strain on your budget. Residential Finance
is committed to making your mortgage experience a great one. So
let’s explore your options together.
Lower Your Monthly Payments
Refinancing to a lower rate can help you reduce the amount of
your monthly payment and the overall amount of your loan.
Get Out of an Adjustable Rate Loan
Replace your adjustable rate loan with a fixed rate. Rates will go
back up, so don’t let yours.
Consolidate Your Debt
Roll all of your monthly bills into a single low monthly payment.
You’ll lower your interest rate on all your debt and make managing
your finances easier.
Get Cash Out
Access the money in your home and put it towards home
improvement, tuition, travel or other investments.
Reduce Your Mortgage Term
You’ll build equity faster and take less time paying off your home.
“The benefit that Residential Finance
Corp was able to provide to our family
when we needed it was exceptional.”
Cassidy M., Greeley, CO
“I want to take the opportunity to say
thank you very much for the prompt,
personalized and special attention
provided to me during my refinancing.”
Martin M., Huntsville, AL
What others are saying...
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage
Banker BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-
estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage
Licensee, No. 19399; Hawaii Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential
Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No.
M02049502; Mississippi Mortgage Lender #4434/2009 Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey
Correspondent Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North
Carolina License Lender No. 139845; Ohio Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed
by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-
0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-
CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin Mortgage Banker, No. 21906.
Jane Branch
Branch Manager
NMLS# 12345
222.222.2222 ofc
123.123.1234 fax
111.111.1111 cell
123 Branch Address St
Suite 100
CityName, ST 12345
SAMPLE DATA
RFC Refinance Standard Flyer Revised: May 29, 2011 6:09 PM
Contact Me Today!
xxx.xxx.xxxx ext.123
www.jane.branch.myrfc.com
CALL NOW TO
GET APPROVED
A Mortgage ExperienceTHAT IS FOCUSEDON YOU!
We Can Make It Easy!
Residential Finance is committed to making your mortgage
experience a great one. We’re here to help you get the loan
that saves you the most money and conforms to your specific
financial needs.
Refinance Your MortgageRates are low, so refinancing can open up many options: like
getting a low fixed rate that won’t adjust when the market does,
getting cash out of your home, or reducing the time it takes to
pay off your mortgage.Buy a HomeAs a first-time buyer you have many advantages available
to you, including low rates to go with today’s great housing
prices! If you get pre-approved for a loan, you’ll save time by
only looking at houses that are in your budget. Plus, you’ll be
able to make an immediate offer when you find your dream
home.
Consolidate Your DebtRoll all of your monthly bills into a single low payment. You’ll
lower your interest rate on all your debt and make managing
your finances easier.
“The benefit that Residential Finance Corp was able to provide to our family when we needed it was exceptional.”
Cassidy M., Greeley, CO“Residential Finance Corporation is truly an American company who cares about their product, employees, and customers.”
Matt H., Payson, AZ
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage
Banker BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-
estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage
Licensee, No. 19399; Hawaii Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential
Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No.
M02049502; Mississippi Mortgage Lender #4434/2009 Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey
Correspondent Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North
Carolina License Lender No. 139845; Ohio Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed
by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-
0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-
CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin Mortgage Banker, No. 21906.
What others are saying...
Jane BranchBranch ManagerNMLS# 12345222.222.2222 ofc123.123.1234 fax111.111.1111 cell
123 Branch Address St Suite 100CityName, ST 12345
SAMPLE DATA
RFC General Standard Flyer Revised: May 29, 2011 6:06 PM
Contact Me Today! xxx.xxx.xxxx [email protected]
Buying Your First Home?
Let’s make it happen!
We’ll Be With You All The Way!
As a homebuyer you have many advantages available to you, including
low rates to go with today’s great housing prices! Our goal is to help you
set a solid foundation for you and your family, now and in the future.
We Are On Your Team
We can work with your Real Estate Agent to make the loan process a
smooth one. We’ll ensure that you know what your loan options are and
get the one that’s best for you. We want you to be as happy with your
loan as you are with your home.
Get Pre-Approved
It’s a great idea to get pre-approved for a loan before you start home
shopping. You’ll save time by only looking at houses that are in your
budget, and when you find your dream home, you can make an
immediate offer.We Give You Options
We offer a variety of loan products, so when you get a great rate you
also get the loan that saves you the most money and conforms to your
specific financial needs. We offer:
What others are saying...“The benefit that Residential Finance
Corp was able to provide to our family
when we needed it was exceptional.”
Cassidy M., Greeley, CO
“I recommend Residential Finance
Corporation because they kept
their promise and treated me with
respect.”
Michael G., Long Beach, CA
FHA �
Fixed Rate
�
Adjustable Rate Mortgage
�
Veterans
�
Conventional
�
State Bond
�
USDA �
203K �
Don’t know what these loan products are? No worries, we are here to
explain all your options and how they can support your financial and
homeownership goals and save you money.
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage
Banker BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-
estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage
Licensee, No. 19399; Hawaii Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential
Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No.
M02049502; Mississippi Mortgage Lender #4434/2009 Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey
Correspondent Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North
Carolina License Lender No. 139845; Ohio Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed
by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-
0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-
CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin Mortgage Banker, No. 21906.
Jane BranchBranch Manager
NMLS# 12345222.222.2222 ofc
123.123.1234 fax
111.111.1111 cell123 Branch Address St
Suite 100CityName, ST 12345 SAMPLE DATA
RFC Purchase Standard Flyer
Revised: May 29, 2011 6:08 PM
Contact Me Today!
xxx.xxx.xxxx ext.123
www.jane.branch.myrfc.com
Res ident ial F inance coRpoRat ion
Veterans Administration
Loan Programs
Proud to serve those who
have served us all.
About Residential Finance Corporation
Residential Finance Corporation is a residential
mortgage banker that has been helping clients
purchase and
refinance loans
since 1997.
Headquartered in Columbus, O
H, Residential
Finance does business in over 30 states and has
regional offices nationwide, including Florida,
South Carolina, Maryland, Arizona, Texas, New
Jersey, and North Carolina.
In addition to being “Full Eagle” certified by
the U.S. Department of Housing and Urban
Development (HUD), Residential Finance has
Veterans Administration Autom
atic Authority
and is a two-time honoree of INC M
agazine, a
three-time winner of Best Place to W
ork, and
has won the ABA Sales Department of the Year
award. Residential Finance is often quoted in
industry and consumer publications such as
Newsweek, the Wall Street Journal Sm
art Money
Magazine, and Forbes.com
, and its investor
relationships include some of the nation’s largest
and most diverse investm
ent banks.
Residential
Finance is
best know
n for
its
comm
itment to custom
er service. Home Loan
Consultants at Residential Finance are highly-
trained experts whose knowledge and experience
are only surpassed by their comm
itment to
helping clients find the best loan at the best rate,
making the loan process com
fortable and easy.
Call Today:
Rev. 07/19/11 ©
RFC HQ: 401 N Front St, Ste 300, Columbus, OH 43215. Not an offer of credit or a commitment
to make a loan. Not all loan programs & products are available in all areas. Borrower is subject to
underwriting guidelines & must first qualify for the stated programs. Corp NMLS, #1652; VA, Lender
ID#2595540000; AL, Mortgage Broker MB 21025; AR, Mortgage Banker #101062; AZ, Mortgage
Banker BK-0905843; CA, Finance Lenders Law License No. 6039726; CO, Mortgage Broker
License No. 100029775 Check license status of your loan originator at www.dora.state.co.us/real-
estate/index.htm; CT, Correspondent Mortgage Lender No. 12900; DE, Chp 22 Licensed Lender
No. 011831; DC, District of Columbia Mortgage Dual Authority License #NMLS1652; FL, Mortgage
Lender MLD167; GA, Mortgage Lender Licensee No. 19399; HI, Mortgage Loan Originator CO.
License HI-1652; IL, Residential Mortgage Licensee No. MB 0005562; IN, DFI First Lien Lending
License #16242; LA, Residential Mortgage Lending License #1652; MD, Mortgage Lender No.
11143; MA, Mortgage Lender ML1652; MI, 1st & 2nd Mortgage Broker & Lender FL4201 & SR
0010569; MN, Residential Mortgage Originator No. MN-MO-02049502; MS, Mortgage Lender
#4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ, Licensed by the N.J.
Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan
Licensee No 9945825; NM, Mortgage Loan Company No. 03691; NY, Licensed Mortgage Banker-
NYS Banking Dept. B500784; NC, Mortgage Lender License No. L-139845; OH, Mortgage Broker
Act Cert of Reg MB.802662.000; OR, Mortgage Lending License ML-5063; PA, Licensed by the PA
Dept. of Banking PA Mortgage Lender License No. 22135; SC, Mortgage Loan Broker MB-0508408;
TN, Mortgage License No. 4093; TX, SML Mortgage Banker Registration No. 45235, Two Galleria
Tower at 13455 Noel Rd, Ste. 1000, Dallas TX 75240; VA, Licensed by the VA State Corporation
Commission MC 3003; WA, Consumer Loan Company CL-1652 WA Master Business License
#602403652; WI, Mortgage Banker No. 21906BA
Jane Branch
Senior Loan Officer
NMLS# 12345
800.123.1234 Direct
123.123.1234 Ext 100
234.567.8910 Fax
jane.branch@m
yrfc.com
ww
w.residentialfinance.com
401 N Front Street
Suite 300
Columbus, O
H 43215
sample d
ata
Res ident ial F inance coRpoRat ion
Buying Your
Dream Hom
e
A better mortgage experience
that is focused on you.
About Residential Finance Corporation
Residential Finance Corporation is a residential
mortgage banker that has been helping clients
purchase and refinance loans for over a decade.
Headquartered in Columbus, OH, Residential
Finance does business in over 28 states and has
regional offices nationwide, including Florida,
South Carolina, Maryland, Arizona, Texas, New
Jersey, and North Carolina.
In addition to being “Full Eagle” certified by
the U.S. Department of Housing and Urban
Development (HUD), Residential Finance has
Veterans Administration Automatic Authority and
is a two-time honoree of INC Magazine, a three-
time winner of Best Place to Work, and has won
the ABA Sales Department of the Year award.
Residential Finance is often quoted in industry
and consumer publications such as Newsweek,
the Wall Street Journal Smart Money Magazine,
and Forbes.com, and its investor relationships
include some of the nation’s largest and most
diverse investment banks.
Residential Finance is best known for its
commitment to customer service. Home Loan
Consultants at Residential Finance are highly-
trained experts whose knowledge and experience
are only surpassed by their commitment to
helping clients find the best loan at the best rate,
making the loan process comfortable and easy.
Call Today:
Rev. 05/29/11 ©
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans
Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas
Mortgage Banker #101062; Arizona Mortgage Banker BK-0905843; California Finance
Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775
Check the license status of your mortgage loan originator at http://www.dora.state.co.us/
real-estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District
of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders
License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii Mortgage
Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No.
MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential
Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts
Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota
Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009
Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey:
Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent
Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico
Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS
Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio
Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch
License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania:
Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker,
No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker,
MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage
Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240;
Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington
Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business
License #602403652; Wisconsin Mortgage Banker, No. 21906.
Jane Branch
Branch Manager
800.123.1234 tel
123.123.1234 direct
222.222.2222 cell
111.111.1111 fax
123 Branch Address St
Suite 100
CityName, ST 12345
www.janebranch.rfc.com
NMLS # 12345
SAMPLE DATA
R e s i d e n t i a l F i n a n c e co R p o R at i o n
Refinancing Your Loan
Turn today’s mortgage into
tomorrow’s opportunity.
About Residential Finance Corporation
Residential Finance Corporation is a residential
mortgage banker that has been helping clients
purchase and refinance loans for over a decade.
Headquartered in Columbus, OH, Residential
Finance does business in over 28 states and has
regional offices nationwide, including Florida,
South Carolina, Maryland, Arizona, Texas, New
Jersey, and North Carolina.
In addition to being “Full Eagle” certified by
the U.S. Department of Housing and Urban
Development (HUD), Residential Finance has
Veterans Administration Automatic Authority and
is a two-time honoree of INC Magazine, a three-
time winner of Best Place to Work, and has won
the ABA Sales Department of the Year award.
Residential Finance is often quoted in industry
and consumer publications such as Newsweek,
the Wall Street Journal Smart Money Magazine,
and Forbes.com, and its investor relationships
include some of the nation’s largest and most
diverse investment banks.
Residential Finance is best known for its
commitment to customer service. Home Loan
Consultants at Residential Finance are highly-
trained experts whose knowledge and experience
are only surpassed by their commitment to
helping clients find the best loan at the best rate,
making the loan process comfortable and easy.
Call Today:
Rev. 05/29/11 ©
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans
Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas
Mortgage Banker #101062; Arizona Mortgage Banker BK-0905843; California Finance
Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775
Check the license status of your mortgage loan originator at http://www.dora.state.co.us/
real-estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District
of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders
License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii Mortgage
Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No.
MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential
Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts
Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota
Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009
Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey:
Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent
Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico
Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS
Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio
Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch
License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania:
Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker,
No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker,
MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage
Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240;
Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington
Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business
License #602403652; Wisconsin Mortgage Banker, No. 21906.
Jane Branch
Senior Loan Officer
NMLS# 12345800.123.1234 Direct
123.123.1234 Ext 100
234.567.8910 Fax
www.residentialfinance.com
401 N Front Street
Suite 300Columbus, OH 43215
sample data
R e s i d e n t i a l F i n a n c e c o R p o R at i o nReal Estate Partner
We are here for you and
your buyers.
About Residential Finance Corporation
Residential Finance Corporation is a residential
mortgage banker that has been helping clients
purchase and refinance loans for over a decade.
Headquartered in Columbus, OH, Residential
Finance does business in over 28 states and has
regional offices nationwide, including Florida,
South Carolina, Maryland, Arizona, Texas, New
Jersey, and North Carolina.In addition to being “Full Eagle” certified by
the U.S. Department of Housing and Urban
Development (HUD), Residential Finance has
Veterans Administration Automatic Authority and
is a two-time honoree of INC Magazine, a three-
time winner of Best Place to Work, and has won
the ABA Sales Department of the Year award.
Residential Finance is often quoted in industry
and consumer publications such as Newsweek,
the Wall Street Journal Smart Money Magazine,
and Forbes.com, and its investor relationships
include some of the nation’s largest and most
diverse investment banks.Residential Finance is best known for its
commitment to customer service. Home Loan
Consultants at Residential Finance are highly-
trained experts whose knowledge and experience
are only surpassed by their commitment to
helping clients find the best loan at the best rate,
making the loan process comfortable and easy.
Call Today:
Rev. 05/29/11 ©
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans
Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas
Mortgage Banker #101062; Arizona Mortgage Banker BK-0905843; California Finance
Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775
Check the license status of your mortgage loan originator at http://www.dora.state.co.us/
real-estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District
of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders
License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii Mortgage
Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No.
MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential
Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts
Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota
Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009
Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey:
Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent
Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico
Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS
Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio
Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch
License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania:
Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker,
No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker,
MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage
Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240;
Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington
Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business
License #602403652; Wisconsin Mortgage Banker, No. 21906.
Jane BranchBranch Manager800.123.1234 tel123.123.1234 direct
222.222.2222 cell111.111.1111 fax
123 Branch Address St
Suite 100CityName, ST [email protected]
www.janebranch.rfc.comNMLS # 12345SAMPLE DATA
R e s i d e n t i a l F i n a n c e c o R p o R at i o nYour Mortgage
Solution
A mortgage with you in mind.
About Residential Finance Corporation
Residential Finance Corporation is a residential mortgage banker that has been helping clients purchase and refinance loans for over a decade. Headquartered in Columbus, OH, Residential Finance does business in over 28 states and has regional offices nationwide, including Florida, South Carolina, Maryland, Arizona, Texas, New Jersey, and North Carolina.
In addition to being “Full Eagle” certified by the U.S. Department of Housing and Urban Development (HUD), Residential Finance has Veterans Administration Automatic Authority and is a two-time honoree of INC Magazine, a three-time winner of Best Place to Work, and has won the ABA Sales Department of the Year award. Residential Finance is often quoted in industry and consumer publications such as Newsweek, the Wall Street Journal Smart Money Magazine, and Forbes.com, and its investor relationships include some of the nation’s largest and most diverse investment banks.
Residential Finance is best known for its commitment to customer service. Home Loan Consultants at Residential Finance are highly-trained experts whose knowledge and experience are only surpassed by their commitment to helping clients find the best loan at the best rate, making the loan process comfortable and easy.
Call Today:
Rev. 05/29/11 ©
Nationwide Mortgage Licensing System and Registry Unique Identifier #1652; Veterans Administration Lender ID#2595540000; Alabama Mortgage Broker MB 21025; Arkansas Mortgage Banker #101062; Arizona Mortgage Banker BK-0905843; California Finance Lenders Law License, No. 6039726; Colorado Mortgage Broker License No. 100029775 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm; Connecticut Correspondent Mortgage Lender, No. 12900; District of Columbia Mortgage Dual Authority License #NMLS1652; Florida Mortgage Lenders License MLD167; Georgia Residential Mortgage Licensee, No. 19399; Hawaii Mortgage Loan Originator Company License #HI-1652; Illinois Residential Mortgage Licensee, No. MB 0005562; Indiana DFI First Lien Lending License #16242; Louisiana SAFE Residential Mortgage Lending License #1652; Maryland Mortgage Lender, No. 11143; Massachusetts Mortgage Lender, ML2760; Michigan Mortgage Broker and Lender, SR 0010569; Minnesota Residential Mortgage Originator, No. M02049502; Mississippi Mortgage Lender #4434/2009 Licensed by the Mississippi Department of Banking and Consumer Finance; New Jersey: Licensed by the N.J. Department of Banking and Insurance, New Jersey Correspondent Mortgage Banker and Secondary Mortgage Loan Licensee No L058717; New Mexico Registered Mortgage Company No. 3691; New York: Licensed Mortgage Banker-NYS Banking Department, LMBC 104585; North Carolina License Lender No. 139845; Ohio Business Certificate SM.500633.000; Ohio Mortgage Broker MB.803121.00; Ohio Branch License MB.802662.001-BR; Oregon Mortgage Lending License ML-5063; Pennsylvania: Licensed by the Pennsylvania Department of Banking, Pennsylvania First Mortgage Banker, No. 22135; Tennessee Mortgage Lender No. 4093; South Carolina Mortgage Loan Broker, MB-0508408-0623000; South Carolina-Branch MB 0508408-0508416; Texas Mortgage Banker, No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste.1000, Dallas TX 75240; Virginia: Licensed by the Virginia State Corporation Commission, MC 3003; Washington Consumer Loan Company #520-CL-52629 (Branch #52705), Washington Master Business License #602403652; Wisconsin Mortgage Banker, No. 21906.
Jane BranchSenior Loan OfficerNMLS# 12345
800.123.1234 Direct123.123.1234 Ext 100234.567.8910 Fax
401 N Front StreetSuite 300Columbus, OH 43215
sample data
At Residential Finance Corporation and
I couldn’t wait to share the news with you!
I have aNew Home
Page 10 Residential Finance Corporation - NMLS 1652
M A R K E T I N G L I B R A RY
• Loyalty Marketing For Two Years• Sent On Every Loan You Close With Rfc• No Charge To You• Personalized With Your Photo And Signature• Free Unlimited Email Campaigns• Closing Gift Upgrades Available
A D H O C M A R K E T I N G
• Customer Marketing• Prospect Marketing• Realtor & Partner Marketing• Referral Marketing• Over 300 Marketing Pieces
C U S T O M E R S E R V I C E L E A D E R
Be a customer service leader. We make it easy.
• Customer Survey sent to every borrower. • Thank you card with pre-paid referral tear-off.• Testimonials are requested and verified for your
future use.
We believe that the best customer is a repeat customer and we actually help you gather referrals from borrowers you have already helped. These deals are easier to close and help you build a loyal network of people who sing your praises to friends and family. Enjoy free automated loyalty marketing on every loan you close with RFC.
MARKETING
marketing: AUTOMATED LOYALTY.
i am always here for yoURemember, just because your loan has closed and funded, that doesn’t mean I am no longer at your service. If you have questions or concerns, feel free to call me anytime.
[BORROWER NAME], As you may know, my business depends on referrals from great customers like you! Do you have a friend or family member that would like more information on home financing? I would greatly appreciate the referral, and will be sure contact them right away and provide them with extra special care and attention. Simply fill out the form below and drop it in the mail (free of charge!) and I will contact them right away. Thank you for your business – and your referral! [LO SIGNATURE]
[LO NAME}[LO NMLS][LO TITLE][LO PHONE]
YOUR REALTOR[REALTOR NAME][REALTOR COMPANY][REALTOR PHONE]
[Loan Officer Name], I would like to refer someone for more information on mortgage financing. Please provide my friend with the same great service you provided me! They can be reached at:
Name: _____________________________________________
Address: ___________________________________________
___________________________________________
Phone: _____________________________________________
Email: _____________________________________________
Regarding: Refinance Purchase Not Sure
CUSTOMER REFFERAL CARD
Corp NMLS, #1652
Ref#1234567
Customer satisfaCtion surveyThank you for choosing Residential Finance Corporation for your recent home mortgage. We are committed to monitoring the quality of our customer ser-vice and we would appreciate your feedback about your experience. The survey consists of five questions and should take less than five minutes to complete. Your responses will be used to continue to improve our customer service. If you have any questions, please contact [email protected]. Thank You!
Borrower: ______________________________Home Phone: ___________________________Work Phone: ____________________________Cell Phone: _____________________________Email: _________________________________
Co-Borrower: ___________________________Home Phone (if different): ____________________Work Phone: (if different): _____________________Cell Phone: (if different): ______________________Email: (if different): __________________________
Name: ________________________________
Phone: ________________________________
Email: _________________________________
Relation: ______________________________
Property address:[property address][property city, st, zip][loan number]
mailing address:[mailing address][mailing address city,st zip]
your Loan officer:[LO Name][LO NMLS][LO Phone][LO Email]
Stron
gly Ag
ree
Agree
Neu
tral
Disa
gree
Stron
gly Di
sagr
ee
N/A
was simple and easy.
the Loan Process: my Loan officer:
was quick to complete from first call to closing.
was smooth and efficient.
went as expected and there were no surprises.
Stron
gly Ag
ree
Agree
Neu
tral
Disa
gree
Stron
gly Di
sagr
ee
N/A
responded to my inquiries, emails, and calls in a timely fashion.
was professional and courteous.
explained the mortgage process and my options in a way I could easily understand.
took the time to understand my situation and match me with a loan program that met my needs.
made the process simple and efficient.
explained the terms of the loan and the fees in a way that I could easily understand.
Certa
in
Very
Like
ly
Som
ewha
t Like
ly
Unlik
ely
Very
Unlik
ely
Exce
llent
Good
Fair
Poor
Not S
ure
N/A
Loan Officer
Branch Manager
Loan Processor
Notary
Receptionist
Post Closing Agent
team member:
regarding tHe Loan ProCess: Please select whether you agree or disagree with the following statements.
regarding your Loan offiCer: Please select whether you agree, or disagree with the following statements.
regarding our team: Please rate your experience with each of our team members. Please Note: You may not have worked with all of the the following people.
reCommending rfC to otHers:How likely are you to recommend Residential Finance to a family member or friend in need of a mortgage?
did We eXCeed your eXPeCtations?Share your story with us via email: [email protected]
sHare us WitH your friends & famiLy:Who do you know that is in need of a mortgage, home purchase or refinance? We will take excellent care of them. Thank You!
[Borrower Name]
[Co-Borrower Name]
always here for yoU
ATTN: CUSTOMER SERVICE RESIDENTIAL FINANCE CORPORATION 401 N FRONT ST STE 300 COLUMBUS OH 43215-9859
NO POSTAGENECESSARY
IF MAILEDIN THE
UNITED STATES
BUSINESS REPLY MAIL FIRST-CLASS MAILCOLUMBUS OH PERMIT NO. 357
POSTAGE WILL BE PAID BY ADDRESSEE
Artwork for Envelope, Business, #9, 3 7/8 x 8 7/8 in (3.875" x 8.875")Layout: sample BRM Env with IMB.lytJune 22, 2011
Produced by DAZzle Designer, Version 9.0.05(c) 1993-2009, Endicia, www.Endicia.comU.S. Postal Service, Serial #
IMPORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed! Special care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece to meet both USPS regulations and automation compatibility standards.
Thank You!
RESIDENTIAL FINANCE CORPORATION[LO FULL NAME][LO ADDRESS][LO ADDRESS]
BORROWER(S) FULL NAME][[BORROWER ADDRESS][BORROWER ADDRESS 2]]
Date 10, 2012
[First Name] [Last Name] & [Co-Borrower First Name] [Co-Borrower Last Name],
Welcome to the Residential Finance Corporation family!
Congratulations on your new home loan!
You may have some questions about what happens next, whom to contact, and more. You’re not alone!
IMPORTANT: Please see the attached Frequently Asked Questions letter, answering many important questions about YOUR loan such as:
Where do I make my first payment?•How can I obtain a copy of my appraisal?•And, more.•
We’re honored you chose to work with us on your new home loan. If you have any questions feel free to contact me directly by phone or email.
PS: Soon, you will receive a Customer Satisfaction Survey in the mail and, possibly, via email. When you receive it, please take a moment to respond – we truly value your feedback!
Sincerely,
Joanna MacKenzieCustomer Service Manager
Welcome!
ReSIDentIAl FInAnCe CoRPoRAtIon401 n Front Street, Suite 300Columbus, ohio 43215
614-827-1347 Direct877-251-2874 Direct toll [email protected]
RFC: 401 N Front St Columbus, OH 43215. Borrower is subject to underwriting guidelines. Corp NMLS, #1652; http://www.nmlsconsumeraccess.org; VA, Lender ID#2595540000; AL, Mortgage Broker MB 21025; AR, Mortgage Banker #101062; AZ, Mortgage Banker BK-0905843; CA, Finance Lenders Law License No. 6039726; CO, Mortgage Broker License No. 100029775 Check license status of your loan originator at www.dora.state.co.us/real-estate/index.htm; CT, Correspondent Mortgage Lender No. 12900; DE, Chp 22 Licensed Lender No. 011831; DC, District of Columbia Mortgage Dual Authority License #NMLS1652; FL, Mortgage Lender MLD167; GA, Mortgage Lender Licensee No. 19399; HI, Mortgage Loan Originator CO. License HI-1652; IL, Residential Mortgage Licensee No. MB 0005562; IN, DFI First Lien Lending License #16242; LA, Residential Mortgage Lending License #1652; MD, Mortgage Lender No. 11143; MA, Mortgage Lender ML1652; MI, 1st & 2nd Mortgage Broker & Lender FL4201 & SR 0010569; MN, Residential Mortgage Originator No. MN-MO-02049502; MS, Mortgage Lender #4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ, Licensed by the N.J. Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan Licensee No 9945825; NM, Mortgage Loan Company No. 03691; NY, Licensed Mortgage Banker-NYS Banking Dept. B500784; NC, Mortgage Lender License No. L-139845; OH, Mortgage Broker Act Cert of Reg MB.802662.000; OR, Mortgage Lending License ML-5063; PA, Licensed by the PA Dept. of Banking PA Mortgage Lender License No. 22135; SC, Mortgage Loan Broker MB-0508408; TN, Mortgage License No. 4093; TX, SML Mortgage Banker Registration No. 45235, Two Galleria Tower at 13455 Noel Rd, Ste. 1000, Dallas TX 75240; VA, Licensed by the VA State Corporation Commission MC 3003; WA, Consumer Loan Company CL-1652 WA Master Business License #602403652; WI, Mortgage Banker No. 21906BA
IMPORTANT FREQUENTLY ASKED QUESTIONS...
“WhEN IS MY FIRST PAYMENT dUE?” Your first mortgage payment of $[VAR] is due on [VAR ].
“WhAT IS MY PAYMENT?” Your monthly mortgage payment is $[VAR].
SAVEThis document
for future reference
“Where do I send my first mortgage payment?” Q
AYou received a temporary Mortgage Coupon in your loan closing package. Residential Finance Corporation, ATTN: Payment Processing401 N Front Street, Suite 300 Columbus, Oh 43215
“Will RFC continue to be my lender after I make the first mortgage payment?”Q
A
We originate, underwrite, and fund our own loans, however we are not a loan servicer. We work with the nation’s leading loan servicers. You should expect to receive a notification from the servicer within 30 to 45 days of your loan closing. once they are in contact with you, you may be able to set up automatic bill pay or discuss other types of loan payment arrangements.
“Will my loan terms change if the loan transfers to a new servicer?”Q
A no a transfer of loan servicing will not affect the terms of the note you signed at closing.
“What happens to the escrow account? And, who pays my taxes and insurance?” Q
AIf your new mortgage includes homeowners insurance and property taxes, your escrow will be transferred to your new loan servicer and they will handle future payment of your taxes and insurance.
“My prior mortgage included an escrow account, when should I expect to receive the refund of the balance?”Q
A For information about your prior escrow account, contact your previous lender for details.
“how can I obtain a copy of my appraisal?”Q
AMail a request including your name, property address, and loan number, to: Residential Finance Corporation, ATTN: Customer Service401 N Front Street, Suite 300 Columbus, Ohio 43215
hELPFUL TIP!Call your insurance agent and provide them your updated mortgage information.
hELPFUL TIP!If your prior mortgage had an automated payment arrangement; contact your previous lender to cancel future payment transactions.
hELPFUL TIP!Provide a copy of your the HUD-1 or Settlement Statement from your loan closing package to your accountant when you file personal tax returns.
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RFC’s award-winning training program accommodates all levels of experience; whether you’re just starting out or are a seasoned pro. We have a progressive training series facilitated through live classroom education driven by the best technology and online learning platforms available.
TRAINING
Experience Training at lend-u.
TECHFEATURES
O N B OA R D I N G T R A I N I N GLIVE 2-DAY ORIENTATION: held at the corporate offices in Columbus, this intensive two-day training will allow you to meet your support staff and expedite your acclimation to your new home.
O N L I N E U N I V E R S I T YTRAINING ON YOUR TIME: Originator and staff training at LendU is available through our online learning management portal. Now your entire staff can stay up-to-date on systems, regulations, company policy, latest sales techniques, and more with less management time on your end.
S A L E S COAC H I N GEXCLUSIVE COACHING & TRAINING: Monthly sales calls with industry leader, Barry Habib to help you increase your market knowledge.
Excellence in Practice, American Society for Training & Development, 2009
“Even with several years of mortgage industry experience, I was attracted to RFC because of its excellent training program. Because of its training program, Loan Officers are able to offer the very best of service and integrity to their customers.”
“Every tool I need to be successful in my career is provided. The innovative training techniques support my career goals and help me be a success."
Craig , Senior Loan Officer
“The training is well ahead of the rest. I have worked at other mortgage lenders and the training is next to nothing.”
Steve , Senior Loan Officer
“I was WOW’d when I went through training. It was very relevant and made my transition a smooth one."
John , Senior Loan Officer
Kaye, Senior Loan Officer
Page 12 Residential Finance Corporation - NMLS 1652
We help you close loans with speed, accuracy and consistency. We focus on the efficiency of our lending operations team to ensure you can satisfy your customers. We understand that if you can’t close loans, nothing else matters. Our operations team runs like a well-oiled machine.
LENDING OPS
fast. accurate. consistent.
FHA (FULL EAGLE)
VA (AUTOMATIC AUTHORITY)
USDA
REVERSE
STATE BOND PROGRAMS
203K
JUMBO
COMMERCIAL
HIGH BALANCE
LOANPRODUCTS
H e l p D e s kO U R O P E R AT I O N S C U S T O M E R S E R V I C E H E L P D E S K I S O P E N T O YO U R Q U E S T I O N S . Ask away! The help desk responds with the speed, accuracy, and
consistency you’d expect from the nation’s most pro-sales lending operations staff.
F a s t L o a n C l o s i n g sS P E E D, ACC U R AC Y & CO N S I S T E N C Y ! It is not just a motto, it’s our way of life.
The efficiency and speed of our underwriting department is our main focus. We do
more than close loans. We create “WOW” experiences that allow you to impress your
borrowers & referral partners with 24 hour underwriting, same-day closings, EZ-LockTM
Loan Lock and more.
S c e n a r i o D e s kN O N E E D T O U S E B R O K E R G R A P E V I N E F O R YO U R LOA N S C E N A R I O S . Our
Scenario Desk is operated by qualified underwriters to help provide the guidance you
need to place your loan correctly and ensure the quality and speed your customers
expect.
DOUGLAS R. HARRIS, CHIEF OPERATING OFFICER
As COO, Doug Harris directs all lending operations functions, including: Processing, Underwriting, Closing, Funding, Warehousing, Shipping, Insuring and Secondary Marketing. Previously, Doug spent nearly a decade at the nation’s sixth largest bank, US Bank, where he was responsible for leadership and P&L for two of the bank’s divisions – Secondary Marketing and Correspondent
Lending – and was key in helping the bank grow its assets from $14B to $170B.
Page 13 Residential Finance Corporation - NMLS 1652
We partner with the absolute best in the business to provide you technology that supports your success. We provide our employees accessible, web-based technologies and a live support help desk with experts who have extended support hours.
TECHNOLOGY
WE DON’T SETTLE FOR SECOND BEST.
REAL-TIME REPORTING
WEB-BASED LOAN ORIGINATION SYSTEM
AUTOMATED PRICING ENGINE
LEAD MANAGEMENT SYSTEM
INDIVIDUAL WEBSITES FOR BRANCHES WITH INTEGRATED SHORT FORM APPLICATIONS IN ENGLISH AND SPANISH
24 HOUR INTRANET WITH DASHBOARD REPORTING
LIVE SUPPORT
SMART PHONE INTEGRATION
TECHFEATURES
ALAN RABIDEAU, CHIEF INFORMATION OFFICER
Alan directs all technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Alan’s 10-year career at RFC has led to continuous innovation and improvement, leveraging technology to improve productivity, efficiency and user experience.
E N C O M PA S S B A N K E R S E D I T I O N : We’ve taken Encompass, the award-winning loan origination software, to the next level with customized tools to help loan originators close with more transparency, efficiency, and ease.
P R I C I N G E N G I N E : We use an industry-leading product pricing and eligibility engine for lightning-fast product placement and pricing quotes. With our proprietary EZ Lock™ service, we’ve integrated our Pricing Engine with Encompass allowing you to get multiple investor quotes with the click of a button!
L E A D S36 0 *: Our proprietary customizations of the Leads360 lead management system are so sophisticated, the company asks us to speak with their new clients!
M I C R O S O F T E XC H A N G E : With Microsoft Exchange remote web access capability you can access your email anywhere, anytime. Smart phone user? No problem! We keep you fully connected and equipped for business on the go!
* This service is optional for retail branches.
Page 14 Residential Finance Corporation - NMLS 1652
currently licensed
WA
OR
CA
NV
ID
UT
AZ
AK
WY
MT
OH
MINY
VT
HI
MD
DC
DE
CT
NJ
RI
MANH
ME
NM
CO
ND
SD
NE
KS
OK
TX
AR
LA
MO
IA
MN
WI
IL
TN
MS AL GA
IN
KY
WV
PA
VA
NC
SC
FL
RFC
Where some see a challenge, we see an opportunity. Our licensing strategy is so sophisticated, we’ve been asked to speak at leading mortgage industry events. Let us show you why it pays to leave the details to our licensing team.
LICENSING
WE MANAGE THE MINUTIA.
JUDE TRIBBLE, VICE PRESIDENT, CORPORATE COUNSEL
Jude has serves as our Corporate Counsel and is in charge of directing the legal, licensing, quality-control and compliance departments. In her tenure with RFC, she has helped create a premier licensing and compliance operation, which has grown in significance and scope in recent years. She is an industry veteran and a frequent lecturer on topics relating to regulatory and compliance
initiatives.
• Licensed, trained paralegals• 50 years combined legal experience• Testing material access
• Fast licensing turnarounds• Friendly, knowledgeable service• Aggressive expansion plan
Page 15 Residential Finance Corporation - NMLS 1652
BENEFITS
Benefits to meet your needs.RFC provides a wide variety of benefits for our full-time employees and their families. Our benefits are a-la-carte so our employees can select coverage based on their needs and customize benefits that work for them.
Participation in optional benefits is offered to all full-time employees effective the first day of the month,
following 30 days of continuous employment. Our 401K (k) program is also available to our employees
effective the first quarter following 90-days of employment.
MEDICAL DENTAL
LIFEVISION
Page 16 Residential Finance Corporation - NMLS 1652
BENEFITS
Additional benefits.FLEXIBLE SPENDING ACCOUNTS
A Flexible Spending Account (FSA) allows you to pay for essential heath care expenses that are not covered, or are partially covered, by your medical, dental or vision plans. By contributing a portion of your payroll dollars into an FSA on a pre-tax basis, you can save on the cost of eligible healthcare items and services, or use your contributions to pay for deductibles or co-insurance throughout the year using your quick, convenient FSA debit card.
401 (K) PROGRAM
To help you achieve your personal retirement goals, RFC offers a 401(k) program to full-time employees. You are eligible after 90 days of continuous service. Employees who choose to participate in the program will benefit from an employer contribution match after one year of service.
For More Information:
Andrea RowerHuman Resources Manager614-827-1375 Direct800-930-7334 Ext 1411888-687-7793 [email protected]
DISABILITY INSURANCE THROUGH UNUM
Unum provides employee disability benefits that offer choice, flexibility and responsive service without breaking the bank. A Unum disability plan provides financial protection for you by paying a portion of your income while disabled, with benefits beginning at 14, 30 or 90 day periods, depending on the need of the employee.
SUPPLEMENTAL LIFE INSURANCE
Create a personal safety net by electing a supplemental life insurance policy through our trusted insurer, Metife. Choose a coverage amount for you, or you and your dependents through convenient payroll deductions offered at affordable group rates.
RESIDENTIAL FINANCE CORPORATIONCORPORATE HQ: 401 N. FRONT STREET SUITE 300 COLUMBUS, OH 43215 (888) 527-1483
Copyright 2012 © Revised July 5, 2012 5:04 PM
Residential Finance Corp. (RFC) is not affiliated with Residential Funding Corporation. Conducts business as RFC Mortgage i/l/t/n Residential Finance Corporation in NY. RFC 401 N Front St Columbus OH 43215. Not an offer of credit or commitment to make a loan; not available in all areas; subject to underwriting guidelines. NMLS #1652; VA Lender ID #2595540000; AL Consumer Credit License #21483; AR Mortgage Banker #101062; AZ Mortgage Banker BK-0905843; CA Finance Lenders Law License #6039726; CO Mortgage Broker License #100029775 Check license status at www.dora.state.co.us/real-estate/index.htm; CT Correspondent Mortgage Lender #12900; DE Chp 22 Licensed Lender #011831; DC District of Columbia Mortgage Dual Authority License #NMLS1652; FL Mortgage Lender MLD167; GA Mortgage Lender Licensee #19399; HI Mortgage Loan Originator CO. Li-cense HI-1652; IL Residential Mortgage Licensee #MB 0005562; IN DFI First Lien Lending License #16242; LA Residential Mortgage Lending License #1652; MD Mortgage Lender #11143; MA Mortgage Lender ML1652; MI 1st & 2nd Mortgage Broker & Lender FL4201 & SR 0010569; MN Residential Mortgage Originator #MN-MO-02049502; MS Mortgage Lend-er #4434/2009 Licensed by the MS Dept of Banking & Consumer Finance; NJ Licensed by N.J. Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mort-gage Loan Licensee #9945825; NM Mortgage Loan Company #03691; NY Licensed Mortgage Banker-NYS Banking Dept. B500784; NC Mortgage Lender License #L-139845; OH Mortgage Broker Act Cert of Reg MB.802662.000; OR Mortgage Lending License ML-5063; PA Licensed by the PA Dept. of Banking PA Mortgage Lender License #22135; SC Mort-gage Loan Broker MB-0508408; TN Mortgage License #4093; TX SML Mortgage Banker Registration #45235, Two Galleria Tower at 13455 Noel Rd, Ste. 1000,Dallas TX 75240; VA Licensed by the VA State Corporation Commission MC 3003; WA Consumer Loan Company CL-1652 WA Master Business License #602403652; WI Mortgage Banker #21906BA.