Leading the way in

RELOCATION MORTGAGES

Our People

Experienced. Responsive. Specialized. Our clients tell us that our relationship orientation and responsiveness is what sets us apart from the competition.

The Cartus Home Loans team brings a wealth of knowledge and experience to every relationship. Each of our client executives is a Certified Relocation Professional and on average has more than ten years of management experience. As a result, we are attuned to the dynamics of the entire relocation process, not just mortgages. Your Account Executive will be responsible for full account oversight, which allows for optimal responsiveness if a program needs to be adjusted.

We provide an experienced team of Mortgage Consultants, Loan Processors, Underwriters and Customer Service experts trained to offer a Best In Class corporate relocation experience. Your employees will be assigned a dedicated processing and underwriting team that knows their local real estate market.

Excellence in customer service for you and your employees is at the heart of all we do.

Customized to Your OrganizationEach one of our clients is unique. They have their own policies, administrative processes and cost controls. We create relocation mortgage programs that are oriented to those needs and priorities. Our synchronized policy systems ensure that your transferees are given advice that is correct for your relocation policy. We identify value-added services, such as direct billing of closing costs and mortgage buy-downs, which makes the process easier for you. You will receive timely and relevant performance analytics and reporting.

We recognize that relocating can be a stressful experience for a transferring employee. Every member of your Cartus Home Loans team is determined to alleviate concerns, provide clear guidance and ensure a smooth route from approval to closing.

The combination of scale, skill and knowledge allows Cartus Home Loans to provide competitive pricing — a clear benefit to you and your employees.

Product Range and Process InnovationCartus Home Loans offers a wide variety of mortgage products. We have a solution to meet the need of every transferee, from first-time homebuyer to seasoned homeowner. Options include fixed, adjustable rate and interest-only mortgages, jumbo loans, FHA and VA loans.

Our ExpressPassSM loan process is a program that helps your transferee get from mortgage application to loan decision in 13 business days1 or even less. ExpressPassSM combines our best-in-class technology tools with the expertise and dedicated support of our Mortgage Loan Consultant to ensure the smoothest, fastest route to mortgage approvals.

The Preferred Mortgage Program allows your employees who are not relocating to enjoy closing cost savings equal to 0.5% of your loan amount. A $200,000 mortgage would generate $1,000 in savings for your employees.2

We are so confident in our superior service that we offer these industry-leading guarantees to your employees:

• We’ll meet your transferees requested closing date or we’ll pay $5003

• We guarantee a same-day loan decision or we’ll pay your employee $2504

Leading the way in

RELOCATION MORTGAGES

To l e a r n m o re a b o u t C a r t u s H o m e L o a ns

a n d o u r R e l o c a t i o n M o r t g a g e p ro g r a m s , c o n t a c t u s t o d ay.

1-866-744-7653relocationinfo@mortgagefamily.com

www.cartushomeloans.com

Unwavering Focus

Cartus Home Loans has been a leader in

providing relocation mortgages for nearly 30

years. Our mission is to craft a program that

meets the needs of your organization and also

deliver a Best In Class experience for your

transferring employees.

Since inception, we have served the relocation

mortgage needs of relocation companies,

government agencies and over 40% of the

Fortune 1,500, including Raytheon, Southern

Company and Microsoft Corporation.

Cartus Home Loans is part of one of the

largest mortgage organizations in the country

and licensed in all 50 states, offering a clear

economy of scale. This translates into quicker

decisions, up-tothe-minute market guidance,

and technology innovation. The Cartus Home

Loans team is credentialed, client-focused

and proud that the average tenure of our

relationships exceeds 17 years.

1. A final mortgage loan approval is contingent upon satisfactory receipt of all loan condition documentation as well as final verification of property, title and insurance documents prior to loan closing. ExpressPassSM approval time is 25 days or less for some products/features including but not limited to Jumbo, USDA and bond loans. Not all applicants may qualify. This is not a commitment to lend.

2. Application approval is subject to a complete underwriting review based on program guidelines; Not all applicants will qualify. Limitations may apply. This is not a commitment to lend.

3. Approved, conventional, conforming, purchase loans only. Excludes loans for REO, USDA and short sale properties. Void when delayed closing is required by law. Closing date to be mutually agreed upon between customer and us, and customer must provide all required documentation. Void if delays are caused by 3rd party entities (Appraisal, Title, Verification of Employment, etc). Request for adjustment under guarantee must be made no later than 48 hours after the loan closing.

4. This is not a commitment to lend. All pre-approval requests or applications are subject to complete underwriting review.

PHH Home Loans, LLC D/B/A Cartus Home Loans, 1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID #4256 (www.nmlsconsumeraccess.org). Alaska Licensed Mortgage Lender #AK4256-1, 866-462-8266; Arizona Residential Mortgage Licensee #BK 0907633; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Regulated by the Colorado Division of Real Estate; Licensed by the Delaware State Bank Commissioner #20023978094; Georgia Residential Mortgage Licensee #20292; Illinois Residential Mortgage Licensee #MB.6759966, 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Kansas Licensed Mortgage Company #SL0000271; Massachusetts Licensed Lender #MC1390; Minnesota - This is not an offer to enter an interest rate lock-in agreement; Licensed by the Mississippi Department of Banking and Consumer Finance; Montana Licensed Mortgage Lender #4256; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Oregon Mortgage Lender #ML-3705; Rhode Island Licensed Lender. Equal Housing Lender.

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