{We Are Partners

Promises Kept

People/Culture Communication Leadership Ownership/Stability Compensation Secondary Investors Streamlined Procedures

www.unionhomemortgage.com/careers

Appraisal Management Underwriting Technology Support Marketing Flexibility President’s/Union Clubs Senior Partner Society

Vast Experience Raving Fan Customer Service Camaraderie that sets us apart Passion Energy Code of Conduct We “Have fun, but get it done

on time” Speed

People/Culture

Constant Communication Daily Huddles for Departments Monthly Corporate Conference Calls Weekly/Monthly Training via Web-Ex and

Conference Call Sessions Communication in Technology

Communication

Profitable Every Year Correspondent Retail Lender with TPO

Wholesale Department Independent Ownership, Strong Net Worth No Corporate Debt President & CEO is Chairman of Mortgage

Bankers Association of America, Past President of OMBA, & Past MORPAC Chairman

Warehouse Capacity to Double Our Size

Ownership/Stability

Senior Management Team has been on staff for over 10 years, in the mortgage industry for over 20 years

Built for production by people who produce

Constantly working on enhancements to improve efficiency

Production and Operations managers work in unison to advance the company

Leadership

BPS Plans start at 15bps, with quarterly incentives that can reach 20bps in total

Base Salary, not a draw against commissions

Standard auto and technology allowances, saves time and aggravation by eliminating the need for expense reports

AE Compensation

Great Support Team Available for Assistance Over-Night Price Protection, even on

weekends

Secondary

Agency Direct: Freddie Mac, Fannie Mae, & Ginnie Mae

Ability to sell our TPO business to some of the larger servicing aggregators when the execution makes sense

Conventional, FHA, VA, USDA, & Jumbo products

Investors

Efficient Loan Flow System (ELF) System Based on Speed and Efficiency The Closing Date Means Everything State of the Art Reporting for Account

Executives and Internal Staff Automated Reminders Sales and Operations Work Cohesively Broker Coordinators will handle most loan

level issues, freeing up time for the AE to sell

Streamline Procedures

Direct Endorsed since 1971 with Billions Closed

VA LAPP Authority All Underwriters are cross-trained for all

products Similar Approach Risk Committee available to review files

prior to and after origination

Underwriting

Account Executives linked via securely encrypted Virtual Private Network (VPN)

Encompass 360 Motivity for robust and automated report

routines Web-Ex/Screen-Share Training for broker

partners Video Conferencing Platinum Support

Technology

Transitional Coordinator for both new broker partners as well as new AE’s

Vast Online Investor Library Pick up the phone, contact anyone at

anytime Answers when you need them New broker partner On-Boarding process Senior Management Emergency Response

Team

AE Support

Traditional Flyers & Brochures Customized Materials created for you with

no design cost Newsletters, Internal & External Automated Marketing System (

View the video here!) E-Business Cards Websites Presentation Material for both existing and

potential broker partners

Marketing Support

All Employees are Partners, engaged in the direction of the company

All Partners have a voice Need to be able to adapt quickly to invoke

positive changes The ability to recognize a better idea

and implement that idea

Flexibility

President’s Club: Top Producing AE’s Union Club: Fastest growing AE’s

Senior Partner Society: Over 25 members of the staff, including many on the production side, have been with UHM for over 10 years!

President’s Club, Union Club, & The Senior Partner Society