MUTUALM O R T G A G E

CONTENTSW E LC O M E

H I S TO R Y

A b O u T M I M u T u A L

C O R E VA L u E S

S E C R E T S A u C E

C u LT u R E

R AV I N G FA N S I N D E X

S T R AT E G Y

P R O D u C T S

I T S u P P O R T

L I C E N S I N G

H R & b E N E F I T S

We’re excited that you’re considering joining MiMutual! I hope you’ll find, as I have, that being a part of this company is an experience you won’t find at any other mortgage company. I see everyday how our culture truly sets a different standard, one that takes that extra step others won’t.

Any time I have a conversation with a real estate agent, I love to tell them what they don’t want to hear: “We will fail sometimes.” They are shocked that I would say such a thing. I follow it up by saying, “It’s how we handle failure, though, that makes us shine.” You’ll read in the following pages the way we measure customer satisfaction, and if we haven’t delivered excellent service, someone from our executive team will get on the phone and try to make things right. I want you and any of your referral partners to know that we are human, and we may make mistakes; however, we understand that every mistake is an opportunity to reach out, remain human, and create a raving fan.

We welcome you and hope you find your home here at MiMutual Mortgage.

D r . r i c k r o q u eMANAGING DIRECTOR, RETAIL

W E LCO M E TO

M I M U T UA L M O R T GAG E !

We can’t promise you the World, but We can promise you a family.

HISTORY

MiMutual Mortgage, inc. was founDeD in 1992 by brothers Mark anD hale walker in their beloved hometown of Port Huron, Michigan. From its modest beginnings as a mortgage broker in the “attic” of the old JC Penney’s building in the city’s downtown, plenty has changed since then—but by design, plenty has remained the same, such as the commitment to Great People, Building a Great Company, and Serving our Communities.

The Walkers founded their business on commitment and community, and their shared fundamen-tal belief in the importance of professional responsibility and customer service. Remaining true to this approach has been critical, as MiMutual has expanded to become one of the nation’s most trusted and respected mortgage banks.

This success can be attributed to a constant willingness to invest in the processes and great people who have helped elevate a small mortgage broker into a large, diverse, and dynamic mortgage banking resource. Today with expansive retail and wholesale operations nationwide, MiMutual has grown into one oF the leading Mortgage ProduCers aCross the united states.

WHERE IT ALL BEGAN...

ABOUT MIMUTUAL

MiMutual Mortgage is a national mortgage lender focused on providing world class customer service with a local, personal touch. With more than 20 years’ experience, MiMutual is a privately held mortgage lender, headquartered in Port Huron, Michigan.

• Licensed and Expanding in 30+ states

• FHA Full Eagle

• Full GSE Approvals: Fannie, Freddie, Ginnie

• Billion Dollar Servicing Platform

• Top 5 203(k) Lender in the U.S.

• In -House USDA

• VA Automatic Authority

• Mature Retail, Secondary, and Hedging Platform

While most retail mortgage lenders sign up with a number of correspondent lenders causing overlay & pricing issues, MiMutual Mortgage underwrites primarily to Agency guidelines with 80%+ of our volume going to the GSEs as a Direct Lender.

c o r eVa l u e s + + = m i m u t ua l

m o r t GaG es e c r e ts au c e

r aV i n Gfa n s

i n d e X

CORE VALUES

c o m m i tm e n tDoing the best work even when you don’t have all the necessary tools.

i n t e G r i t yDoing the right thing all the time.

p r o b l e m s o lV i n GLooking for a way when one isn’t outlined.

At the very base of our foundation is our set of Core Values that help drive our direction and decision making. Each of our employees share these values, which have propelled us into the successful entity we are today.

CORE VALUES

Serving our communities goes beyond the obvious of providing home loans and employing people. It means that we are socially responsible and that we support, through effort and donation, diverse charitable causes that are near and dear to us.

fa m i lyTreating customers and team members like your favorite family members.

f u nEnjoying work and promoting a healthy and happy atmosphere.

SECRET SAUCE

W e Wa n t t o t e l l yo u a s e c r e t . . .At MiMutual Mortgage, we have an important system we follow to ensure a great customer experience: Our Secret Sauce.

h e r e ’ s t h e r e c i p e :1. Never Let Your Customer Wonder About The Next Step.

2. Never Let Your Customer Wonder When It’s Going To Happen.

3. Always Let Your Customer Know What They Need To Do And When They Need To Do It.

4. Always Let Your Customer Know What You’re Going To Do.

MiMutual Mortgage isn’t like any other mortgage company. We are committed to taking the worry and wonder out of the mortgage experience by delivering a GREAT Customer Experience each time we engage with our customers. As long as we stick to the ingredients in our secret sauce, we will deliver every time.That GREAT Customer Experience translates into our Raving Fan Index. What’s that? Well, it’s the measure of customer satisfaction that simplifies and quantifies who our biggest and most loyal fans are.

RAVING FANS INDEX

CULTUREWE HAVE A SERIES OF TOOLS TO HELP uS MAINTAIN OuR CuLTuRE THROuGHOuT THE ORGANIZATION:

t h e m i i m pac t t e a m This team daily engages employees and models our culture.

e o s “Entrepreneurial Operating System,” our management process.

t h e s e c r e t s au c e Our 4-step process to ensure a great customer experience.

m i m i n u t e A short audio file with some announcements and encouragement from a different executive each month.

m i - 5 A concept we adopted from Ritz-Carlton, where we encourage Team Member Recognitions and other methods to ensure “Upward Feedback.”

c o r p o r at e r a l l i e s Company-wide events to update employees, celebrate successes, and communicate challenges before us.

MARKETING

m i m u t ua l’s i n - h o u s e m a r K e t i n G aG e n c y h a s

m a r K e t i n G c oV e r e d f o r yo u a n d yo u r t e a m :

• Customer Relationship Management (CRM)

• Automated Post-Close Email and Direct Mail Campaign

• Referral Partner Marketing

• On-Demand Custom Marketing Flyers

• Brochures

• Presentations

• Copywriting

• Social Media Content and Support

• Business Cards and Name Badges

• Personalized Websites

• One-on-one Marketing Consulting

MARKETING

c u s t o m a dV e r t i s i n GHave an event coming up or an idea you’d like help bringing to

life? Our full service creative agency is here to make it all happen.

We’ll work with you to custom build various marketing materials

with copy writing, graphic design, and compliance review.

Ask about utilities and other costs to get an idea of your monthly expenses.

Don’t go alone! Bring a friend or a family member to provide a second opinion and serve

as another pair of eyes. Take lots of pictures! This will help you make a decision later and

compare different properties.

Don’t make any large purchases 3-6 months before closing on your home. Show lenders

you are reliable and protect your credit!

Make a wish list of what you want in your new home. No home is going to be 100% what

you want.

Thinking about buying a condo or townhome? Newer condos will tend to be smaller - often

one bedroom - while older units will have more space. Middle units are less expensive than

end units. The closer you are to a city’s central areas, the higher cost per square foot.

Trying to anticipate the housing market is impossible. The best time to buy is when you find

your perfect house and you can afford it. Real estate is cyclical, it goes up and it goes

down and it goes back up again.

Think about your commute. What is the proximity to your place of work? Will you be stuck

in traffic every morning?

Decide on your neighborhood. Think about the neighborhood not now, but five years from

now. You may not want kids just yet, but eventually schools will become something that you

think about. Neighborhoods that are close to areas of rapid development may also be a

deal breaker.

Have any more ideas? Feel free to drop us a note on our Facebook page or Tweet us !

M I M U T UA L M O R T GAG E

H O U S E H U N T I N G G U I D E

Here are some helpful tips for house hunting from

the team at MiMutual Mortgage.

To see where Mi Mutual is a licensed lender go to the Nationwide Mortgage Licensing System (NMLS) www.nmlsconsumer.org and search NMLS# 12901. Principal licensed office is 800 Michigan Street, Port

Huron, MI 48060. The content in this advertisement is for informational purposes only. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy underwriting guidelines.

Equal Housing Lender.

G E T P R E - Q UA L I F I E D T H I S W E E K & R E C E I V E A F R E E H O M E WA R R A N T Y AT C L O S I N G !

C O N TAC T U S T O DAY !O F F E R VA L I D M AY 18 - 2 2 , 2 015

RYA N TA K I E D D I N EVICE PRESIDENT OF RETAIL I NMLS #136990

r takieddine@mimutual.com I (813) 336 -2411

www.MiMutual.info/RTakieddine

5201 W. Kennedy Blvd I Suite 720 I Tampa, FL 33609

Present this flyer at the time of loan application and receive up to $500 towards your home warranty! This discount will be applied towards costs at closing. (see lender for details). To see where Mi Mutual is a li-censed lender go to the Nationwide Mortgage Licensing System (NMLS) www.nmlsconsumer.org and search NMLS# 12901. Principal licensed office is 100 Galleria Office Centre Suite 210 Southfield MI 48034. The content in this advertisement is for informational purposes only. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy underwriting guidelines. Equal Housing Lender.

JOIN US FOR AN INDUSTRY UPDATE HAPPY HOUR

THURSDAY, APRIL 23RD I 4:30 - 7:30 PMTOP OF THE ROCK RESTAURANT2000 WESTCOURT WAY I TEMPE, AZ 85282

w w w . t o p o f t h e r o c k b u t t e s . c o mDRINKS & APPETIZERS PROVIDED

Join other industry professionals at this special happy hour to find out

about upcoming changes in the real estate market and how they will affect your real estate transaction.

Rick Roque, the featured guest, will be on hand to talk about

Innovation in Mortgage Lending: What Separates Winners from Losers

Dr. Rick Roque is Managing Director of Retail at MiMutual Mortgage, and Managing

Editor of Mortgage Compliance Magazine. Additionally, Dr. Roque runs a M&A

consulting firm called MENLO Company, where since 2009, he has assisted mortgage

companies in their process definition, organization and the production growth of their

retail mortgage banking channels. Based in Boston, Massachusetts, Dr. Roque travels the United

States speaking at various mortgage functions on topics such as market trends, industry

forecasts, retail leadership and innovation.

MUTUALM O R T G A G E

SPONSORED BY

RSVP TO:

EMPIRE WEST TITLE AGENCYSales and MarketingDirect: (602) 300-4660pdurant@ewtaz.comwww.ewtaz.com

PATTY DURANT

ONE GUARD HOME WARRANTIES Account Executive(602) 845-3349r.wright@oneguardhw.com

RYAN WRIGHT

To see where MiMutual is a licensed lender go to the Nationwide Mortgage Licensing System (NMLS) www.nmlsconsumer.org and search NMLS# 12901. Principal licensed office is 100 Galleria

Office Centre Suite 210 Southfield MI 48034. The content in this advertisement is for informational purposes only. This is not an offer for extension of credit or a commitment to lend. All loans must

satisfy underwriting guidelines. Equal Housing Lender. LocaLLy run and famiLy oriented!

Bob & Norma Duane, Sean McGaughey, Keith Taylor

Grapevine@MiMutual.com I www.MiMutual.info/Grapevine

NMLS #265303, 857586, 627960 I Company NMLS #12901

MUTUALM O R T G A G E

601 W NW Hwy, Suite 100, Grapevine, TX 76051 I 817-527-3200

MARKETING

b a m b u - yo u r s o c i a l m e d i a l i b r a ry

Ever want to post content on Facebook, Twitter,

or LinkedIn, but you’re not sure what to say?

Are you worried about whether or not the

content is compliant?

Bambu is a social media content library where

you can login on any device and immediately

share effective, compliant content directly to your

personal Facebook, Twitter, or LinkedIn accounts.

MARKETING

m i b o r r o W e r c r mThis cloud -based suite of tools is ready to empower you to grow your business through automation, relationship

building, lead generation, and more.

Includes:• Marketing Library

• Loan Presentation Tool

• Contact Management (CRM)

• Leads Management

• Direct Mail Marketing

• Email Marketing

• Database Mining

• Business Building Tools

• Customer Retention

• Milestone Email Communications

• Post-Close Marketing

• Integrated with LOS

STRATEGY

c u s t o m ta i l o r e d f o r yo uWe understand that Mortgage Banking takes a local approach because no one understands your market like you do. That’s why at MiMutual we take a custom approach to your branch based on your local needs. We will provide you with the resources, support, and training you and your team need to grow and succeed.

W e e m p o W e r b r a n c h m a n aG e r s• Hiring Choices• Branch Issued Pre-Approvals• Instant Disclosures• Branch Processing (Corporate Option Available)

pa i n l e s s o n b oa r d i n GFrom the moment you decide to move forward to the funding of your first loan, we “Think Bigger” so you can “Expect More”. We have a dedicated Onboarding team focused on making your transition as smooth as possible.

STRATEGY

t r a i n i n G & d e V e l o pm e n tAt MiMutual we understand that training is a process, not an event. We are passionate about providing the right tools and necessary training for your continual development. From compliance trainings to regular marketing newsletters, you will feel prepared to produce in our ever- changing industry.

STRATEGY

PRODUCTS

MiMutual Mortgage has full GSE approvals (Fannie, Freddie, and Ginnie), which means we have the loan products to meet just about every unique need. From the typical products like Conventional, FHA, USDA, VA, and Jumbo to more unique ones like 203(k), manufactured, Foreign National, and more.

• FHA • As low as 580 FICO • Full 203(k)

• VA • 100% Cash Out • Unlimited CLTV

• USDA (Rural)

• Reverse

• HARP

• Condos

• Conventional

• Jumbo

• Foreign National

• VA IRRRL with No Appraisal

• Bond Money Programs

• Manufactured Homes

• Fannie Mae Direct

• Ginnie Mae Direct

• Freddie Mac Direct

IT SUPPORT

MiMutual has a dedicated IT Department ready to support you with any technology needs. Each employee has their own Virtual Machine (VM) that allows them to log into their computer from any device quickly and securely. This ensures you will be ready to do business on-the-go at any Open House or other event out of the office.

• 24/7 Support Ticket Portal • Virtual Machine (VM)

LICENSING

Licensing can be stressful and time consuming from renewals to getting licensed in another state. At MiMutual our staff is fully trained and ready to help you with your licensing needs. We will be ready to:

• Assist you with maintaining active licenses, providing insight to license inquiries, and assistance with new license applications.• Assist you with getting licensed in a different state with any information about cost, state regulations, time frame for approval, etc.• Follow up with the state regulatory agencies for application status and maintain contact with the state regulatory agency until your branch receives its license approvals.• Prepare, review, and file your branch mortgage license applications for each state agency.

HR & BENEFITS

Our HR team is here to ensure you feel right at home as a new member of the MiMutual family, with our personalized orientation and self service benefit enrollment, you’ll feel acclimated in no time. Our benefits package includes everything you and your family will need. Plus, your benefits start on the first of the month following your hire date, so you never have to worry about not being covered. You can even manage all your MiMutual employee benefits online whenever and wherever you want.

Benefits Include:

• Medical Insurance• Dental Insurance• Vision Coverage• Direct Deposit• 401(k) Retirement• Complementary Life Insurance Policy

• Supplementary Insurance Options with Aflac• Flexible Spending Account• Dependent Care• Team Member Mortgage Program

MUTUALM O R T G A G E

To see where Mi Mutual is a licensed lender go to the Nationwide Mortgage Licensing System (NMLS) www.nmlsconsumer.org and search NMLS# 12901. Principal licensed office is 800 Michigan Street, Port Huron, MI 48060. The content in this advertisement is for informational purposes only. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy underwriting guidelines. Equal Opportunity Employer.