Pay It Forward Financial7913 Shannon Ct.

Dublin, CA 94568

(877) 771-7377patty@piffinancial.com & dustin@piffinancial.com

www.piffinancial.com

Pay It Forward FinancialPay It Forward Financial

Creative Financing... FOR LIFE!

Vision

We are committed to deliver a mortgage experience that earns us a lifetime relationship with our clients. We pledge to improve the financial lives of our clients, strategic alliances, and employees to help them exceed their greatest goals.

Mission StatementMission Statement

Our team is committed to providing Our team is committed to providing financial services that help our clients financial services that help our clients meet their financial goals and achieve meet their financial goals and achieve their personal dreams. Employees and their personal dreams. Employees and clients will be considered life long clients will be considered life long relationships. We will operate our relationships. We will operate our company with an atmosphere of respect company with an atmosphere of respect and professionalism, personal growth, and professionalism, personal growth, and diversityand diversity..

Realtor - Anni Hagfeldt, Alain Pinel Realtors900 Main Street, Pleasanton, CA 94566 Ph: 925−417−8627 anni@apr.com www.annihagfeldt.com

Insurance Agent - Tim Huether, Huether Insurance Agency319 Diablo Road #100, Danville, CA 94526Ph: 925-820-8432

Appraiser- Daniela Delvalle, Park Place Appraisals216 Spring Street, Pleasanton, CA 94566Ph: 925-426-1774 Fx: 925-426-1972www.parkplaceappraisals.com

Attorney (Gen. and Estate) - Kenneth Bergquist, Stoddard, Bergquist, Wood & Anderson, LLP1470 Maria Lane #300, Walnut Creek, CA 94596 Ph: 925-938-6100 Fx: 925-938-4354krb@wcjuris.com www.wcjuris.com

Disaster Preparedness - Jeffrey Hamilton, Kits 4 Disaster Survival Ph: 888-510-0678jhamilton@ehamiltonenterprises.com

www.kits4disastersurvival.com.com Enter “PAY IT FORWARD” when checking out to receive 10% off

order

Solar Energy Systems- Ryan Lema,Sharpe Solar Energy Systems, INC.1250 Oakmead Parkway #210, Sunnyvale, CA 94085Ph: 510-456-5474 Fx: 661-391-8111rlema@sharpesolar.com www.sharpesolar.com

Car Rental - Amy Foster, Enterprise2867 Dublin Blvd. Dublin, CA 94568Ph: 925-609-6900 ext. 287 Cell: 925-382-4251amy.m.foster@erac.com www.enterprise.com

Barbecue Supplies- Jeffrey Hamilton, Shop 4 Barbecue Supplies Ph: 888-510-0678jhamilton@ehamiltonenterprises.com

www.shop4barbecuesupplies.com Enter “PAY IT FORWARD” when checking out to receive 10% off

order

Application – Introduction to Pay It Forward Financial (Overview of the Loan Process)

After Appointment Thank You Call Personal hand written Thank You card Condition Confirmation Call – what (if any) additional items are

needed for underwriting Approval or Status Call Tuesday Update Call – 1st Tuesday Approval Gift Confirmation Call Tuesday Update Call – 2nd Tuesday Tuesday Update Call – 3rd Tuesday Tuesday Update Call – 4th Tuesday Pre-Closing Call Attend the Closing After Closing Thank You/Survey Call Payment Coupon/Mortgage Loan Statement Confirmation Call 6 Month Client Service Call Annual Review

Every client is provided with a 16-point contact system to ensure constant and reliable communication throughout every step of the mortgage process

Weekly update call to the client and to both real estate agents involved in the transaction, so you never have to call us to find out the status of the loan

All referred clients from Strategic Alliance partners will be contacted within 1 hour of the referral

Client is provided loan options within 24 hours of the needs analysis Return call to Strategic Alliance partner within 2 hours of receiving the

referral Provide “Daily Communicator” to each Strategic Alliance partner every day Provide post approval letter, gift and telephone call to every client Customer service survey provided to every client at closing Post closing letter and copy of appraisal is provided to every client Pre-closing information is emailed and the client is then called for final

review prior to settlement Multiple sources of financing for up to 103% financing for borrower

flexibility is available We attend all purchase closings Preferred status is provided to all purchase transactions We provide a referral incentive to all current clients ($200 off of closing costs

per current client referral that results in loan application) A free annual review is provided to all clients on the anniversary date of their

loan Co-op advertising is available for all Strategic Alliance partners We provide a Monday market update/Strategic Alliance partner call to keep

you informed about market conditions