Maximizing Yield in Residential Construction A Strategic Partnership for Builders

March 2014

What is ResMac?

» A privately owned, national mortgage asset aggregator / mortgage lender

» Direct access to Fannie Mae and Ginnie Mae as an approved seller/servicer

» Regulatory tested and proven

» Superior, highly communicative technology platform designed to make the processof closing loans highly predictable and consistently efficient

» Multiple processing centers nationally, loan fulfillment in Boca Raton, Florida

» A company dedicated to industry best practices and senior management team with over 100 years of combined experience in the mortgage business

Ever consider starting a mortgage company?

» Ownership – your company, your name, your marketing plan vetted againstour established team of pros to get you the best results

» Profit – maximize your revenue potential – see pro forma at end of presentation

» Capture Rate – secure more homebuyers through closing cost incentives and potentially below market finance fees and rates

» Value – provide a higher level of customer service to your clients

» Control – superior process control to meet closing dates and close loans on time

Proposal for Newco

» Builder may own up to 49% of company with a flexible buy-out clause

» Newco contracts ResMac to provide all mortgage related services – i.e. licensing,compliance, loan processing, underwriting and fulfillment

» Additional marketing services provided by Home Team, LLC

» Newco name and brand designed around your current project or existing company name

» Company distributions quarterly

» Less than $25,000 start up capital required in most cases

Starting points and time tables

» Partnership Agreement – review of a “boilerplate” agreement for consideration

» Company Formation – legal counsel from both sides will sit down and discuss the best structure – i.e. corporation, LLC, etc.

» State Licensing – this process varies from state to state but generally takes 60-90 days

» Marketing and Branding – company name, logo, etc. developed along with a short term and long term marketing strategy

» Staffing and Training – hiring and training of origination staff

Industry tested Mortgage Marketing, Recruiting & Management firm Innovative marketing partnership with celebrities & professional athletes

Events include meet & greet, autograph sessions, cocktail parties, in house team building, golf clinics & tournaments, vendor appreciation, private client, and on-site gatherings, sales meetings & motivational presentations

HTE will compliment your current marketing programs to promote your new mortgage division, and company brand