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Building Branch Partnerships
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Our Core Values
Our company’s success is fueled by these four core values.
We hold these to the highest importance in everything we do.
Teamwork We can always achieve more by working together
Empowerment We empower others by giving them every opportunity to succeed
Positivity We consistently maintain a positive attitude in everything we do
Excellence We strive for excellence by pursuing continual
improvement in every aspect of our business
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Accomplishments
• FNMA, FHLMC and GNMA approved seller/servicer
• Top 5 lender in many Northwestern markets
• Top 10 lender in many California markets
• Retail Division won 100 Best Companies
• California Division won Best Place to Work
• Ranked 6th largest lender by Scotsman Guide
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Scotsman Guide 2012 Ranking
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
PCM Best Place to Work!
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Where We Lend
Our corporate office is
headquartered in Roseville,
California, with additional
production centers located
in Concord and Folsom,
California, Portland, Oregon,
and Phoenix, Arizona.
We currently lend in Arizona,
California, Hawaii, Idaho,
Colorado, Nevada, Utah,
New Mexico, Montana,
Oregon, Alaska, and
Washington.
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Senior Management Team
Dave Striplin SVP Loan Production
Dave has over 24 years experience in the
mortgage industry primarily to develop
nationwide production platforms for prime
lending. His previous experience includes
National Production Manager for Mortgage
Investors Group and prior to that, Dave ran
the Western Division production at Loancity
and Fleet Mortgage.
His responsibilities at PCM include the day
to day operations and overall strategies for
loan production in PCM’s 3 channels of
originations, Retail, Affiliate, and Wholesale
production.
Robert Boliard President
Robert was principal of Boliard, Takasugi &
McBride, LLP (“BTM”), an accounting firm
specializing in the mortgage banking
industry. BTM performed financial counseling
and audits, loan servicing, and compliance
audits.
Bill Johnson Chief Financial Officer (CFO)
Bill has 25 years of experience running finance
organizations for large and small companies. 13
years in the mortgage banking arena. Bill’s day-
to-day responsibilities include treasury
managements functions, accounting, human
resources, payroll, servicing and warehousing.
John Gezi Capital Markets
John has 21 years of experience in Secondary
Marketing and Capital Markets. John’s team is
responsible for pricing, hedging, trading, loan
sales and product development.
During these 21 years, John has worked for a
depository banking institution, publicly traded
companies, and privately held mortgage banks.
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Regional Management Team
Shelley Thurlow Regional Vice President,
Concord/Irvine Production Centers
Campbell Loan Processing Center
Terri Buckman VP, Regional Sales Manager
Shannon Rubio Operations Manager
Concord/Irvine Production Centers
Campbell Loan Processing Center
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Our Production Highlights
8
7
6
5
4
3
2
1
0
2008 2009 2010
Bill
ion
s $
$3.5 billion
$4.7 billion
Our production growth is
strong. We have produced
over 80,000 loans, and last
year alone we funded
over $7.6 billion dollars in
volume.
$5 billion
2011
$7.6 billion
2012
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
PCM’s Advisor Retention Program
Details of the program:
• We will set aside 5 basis points of in-house funded loan volume for all loan originators
including producing branch managers.
• The production period will be January 1 to December 31 of each year.
• You must be employed on March 15 and September 15 of the following year. The
payout of the 5 basis points will be paid as follows:
• 50% paid on March 15 of the following year.
• 50% paid on September 15 of the following year.
• The monies will be deposited into a separate trust account by the 15th of the
following month for payout on March 15 and September 15 of the following year.
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
PCM-Connect.com
PCM marketing’s mission always
focuses on purchase business
with our Realtor partners, this has
never changed despite market
conditions.
PCM top producers also do a
great job of staying top-of-mind
with their database. Database
marketing and follow-up is so
important for referrals as well as
maintaining clients for life.
Choose from a variety of
materials from our online
ordering store to achieve these
goals of consistent database
marketing and Realtor
partnerships.
PCM-Connect makes it easy!
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Marketing Materials
Pinnacle Capital’s marketing department
provides you an array of marketing
materials including flyers, CRM email
templates, promotional items, and much
more!
Retail Service branches have access to
marketing content as well as templates
where contact information and your DBA
logo can be inserted.
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Open Doors Homebuyer Booklets
Personalize the book with some info on you
and your referral partner!
Additional Partnerships
We have partnerships with multiple vendors that save you money and
time! Use these as needed to enhance and grow your business.
Making Better Happen
Work with our mentors to clarify your vision, develop a plan and hold yourself accountable to the actions required to achieve the results you’ve been looking for in a balanced and simple way.
Mortgage Coach Edge
As a Mortgage Professional, your advice makes a difference. Borrowers who understand your value become clients for life. We help you package your expertise in minutes to earn the trust of
borrowers in your first conversation and find referrals you never knew you had.
Clarity
A realtor value add to help your Real Estate agents list their properties,
making it easy for you to follow up and track prospects with built-in lead
generation.
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Servicing Keeps You Top-of-Mind
When your loan stays at Pinnacle,
your information is on the client’s
monthly statement to keep you
top-of-mind when the next
opportunity to do business arises.
For more information about your existing
account Please call: 866.725.0782.
For information about refinancing or obtaining a
new loan, call your originating loan officer:
Jane Demo
MLO #55555
555.555.5555
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Offer Advantage
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Human Resources
Pinnacle Capital Mortgage Corporation
strives to achieve high levels of
performance in it’s product, service,
efficiency, community involvement, and
customer esteem. Our desire is to
provide high quality customer care
through consistently excellent service.
People are the most amazing,
complicated, dynamic and important
piece in the business puzzle—and that
will never change.
Our philosophy helps our employees
make invaluable contributions to the
growth and welfare of those we serve,
and consistently and efficiently meeting
client expectations while providing an
enjoyable experience for each
customer every time, and creating a
work environment that everyone enjoys.
Below are just a few services we offer:
Management and Supervisory Support
Compliance Support
Employee On-boarding
Employee Off-boarding
Advisory Services
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Benefits in Your Area
We work directly with each employee –
on a personal level – to maintain
confidentiality along with employee
benefit efficiency and effectiveness.
We specialize in managing the benefits
allowing our employees to focus on
running their business.
We offer:
• Employee communication
• Online Enrollment
• Direct Access to Providers
• Health Care Hotline
We provide you and your employees all
of this while containing costs, minimizing
risk and relieving you of the
administrative burden.
Below are just a few benefits we offer:
Nationally Recognized healthcare plan
Dental care plan
Vision plan
401K options
Voluntary life and AD&D insurance
Aflac
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
On Your Side
Our trained team will help you with your
day to day employee needs.
Your new HR department was built
around the concept that employees
are truly our customers. We are
dedicated to helping our management
team manage every aspect of our
human assets.
PCM HR team is designed to help you
protect your organization by averting
potential problem before the develop
and quickly responding to employment
related issues after they occur.
Administrative Services Provided:
Semi-Monthly Payroll
Employee Development
Legal and Regulatory Issues
Effective Practices
Risk Management
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Benefits of the Retail Services Channel
The Best of Both Worlds!
Maintain your DBA and independence
while working with a larger mortgage
banker that will take care of your:
• Accounting
• Human Resources
• Capital Markets (Secondary Marketing)
• And More!
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Why choose PCM?
I researched a dozen companies thoroughly for months before committing to Pinnacle. To say that it has worked out would be a huge understatement. The leaders have created a culture that fits me perfectly. The company is made up of highly
committed people who foster an atmosphere of excellence. They give me everything I need to succeed with a perfect blend of autonomy and support. I am more excited about my career than I've ever been.
John Coats Branch Manager, PCM Scottsdale Branch
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.
Thank You
Experience. Integrity. Innovation.
© 2010 Pinnacle Capital Mortgage | Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-
910890 | Licensed by the Department of Business Oversight under the California Residential
Mortgage Lending Act. Regulated by the Division of Real Estate Colorado.