Why Remn

Why REMN?

Who We Are

• A privately held mortgage banking firm founded in 1989

• More than 600 employees from coast to coast• Three distinct business channels: Retail, Wholesale

and Consumer Direct

What We Do

• Funded $2.32 billion in 2011• Issued more than $2 billion in FNMA and GNMA

securities– Creates a natural business hedge for the cyclical

nature of the industry– Goal over the next 12 months is 60-70% retained

servicing• Raised more than $30 million in capital to pursue

increased market share• Maintains warehouse line capacity in excess of

$300 million

Senior Management

Peter Norden

Chief Executive Officer

Joel Katz

President

Joseph Sheridan

Chief Operating Officer

Grace Currid

Chief Credit Officer

Rick Floyd

Executive Vice President

Douglas Rotella

Executive Vice President

Retail Sales

Southeast Region Leaders

Greg Janicki

Southeast Regional Manager

Cell: 404-217-7886

E-mail: [email protected]

Angie Gora

Area Manager, Georgia

Cell: 404-392-4241


Todd Greak

Area Manager, Georgia

Cell: 770-652-7459


Brian Poling

Area Manager, Florida

Cell: 352-874-7580


Chris Wasinger

Area Manager, Florida

Cell: 407-230-3771


Licensing

CA

OR

AL GA

SC

NCTN

FL

LATX

IA

VA

WI

PA

NY MARICTNJDEDCMD

MI

WVOHIL

MO

AR

ME

UT

License ApprovedLicense Pending

IN

CO

NM

WA

KY

OK

MN

MS

VTNH

KS

REMN Product Line

Traditional Products:• Conventional• FHA• VA• Fixed and Adjustable Rates• Jumbo and Super Jumbo• Reverse Mortgage• USDA Financing• Second Home or

Investment Properties

Niche Products:• In-house FHA 203(k) with

Concierge Service• Interest Only• Low to Moderate Programs• Bi-Weekly• FNMA HomePath• REMN Home Fixer• Construction to Perm• Energy Efficient Mortgage• Foreign Nationals • Non-Warrantable Condos• Commercial Loans

Secondary Marketing

• Encompass – Single-tier LOS platform with real-time access to loan files for Originators, Processors, Underwriters and Closers

• Loan Decisions – “On Demand” product eligibility and best execution loan pricing

• Weekly “Capital Market Update” e-mails• Weekly “Did You Know?” product tip e-mails• Immediate notification as market conditions improve or

worsen• Open-Door Policy – Call or e-mail any time to discuss

scenarios or ask questions

Operations

• Processing, underwriting and closing on a regional level (most branches have on-site processing)

• “Certified Processor” program expedites the closing process by streamlining the clearing of underwriting conditions

• Dedicated to supporting sales by providing a customer service experience that is second to none

• Regional underwriting helpdesks to discuss scenarios and best options

Marketing

• New Loan Originator set up, including Web site, announcement cards and start up marketing credit

• Library of customizable brochures, flyers and advertisements

• Loan comparison listing sheets for agent contacts• Access to the Media Center, an automated marketing

and database management system• Mobile marketing and social media campaigns• Custom work and one-on-one marketing consultations

Training

• Two-day orientation course for all new employees• Continuing education classes, seminars, collaborative

meetings and e-learning courses• Branch visits from regional trainers• One-on-one training as needed• Weekly e-mail reminders of upcoming training events

Technology

• Single software LOS platform for originating, processing, underwriting, closing and delivery

• E-mail packages for closings• Individual secure eFax number• Lock-in online• Helpdesk support via phone, e-mail or Web• 24-hour access to loan documents through REMN's

Web-based paperless system• Centralized access to key information from all REMN

departments on SharePoint

REMN All-Star Team

All-Star Team – Top 10% of sales force in volume and units receives a luxurious trip to the Boca Raton Resort

Customer Satisfaction

•All REMN customers, selling agents and listing agents have the opportunity to rate their experience by completing a phone or e-mail survey the week after closing

•Monthly and quarterly report cards are built for branches, regions and all of REMN

•Quarterly report cards are built for Loan Originators

Human Resources

• Medical coverage provided by Oxford Health Plans• Vision Coverage by Davis Vision• Dental coverage provided by Cigna• Life Insurance, Accidental Death and Dismemberment

provided by Cigna• Flexible Spending Account and Dependent Care Account• Voluntary Long Term Disability provided by Cigna• Personal Short Term Disability, Cancer Plan, Accident

Plan and Additional Life Insurance provided by Aflac• 401(k) provided by ING with company match• Online enrollment for all benefits

The perfect place to begin or further your mortgage career.

Why Remn

Documents

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