0116-2651 Recruiting Brochure_LQ

Prospect Mortgage Selling SystemDriving Business for Loan Officers

PrPorsopspecetc’ts’sSSeelllilninggSSyysstteemm::Enabling YoouuttooDDoommininaateteZILLOW PROSPECT INTERNET CUSTOMER HOME REFERRALCO-MARKETING REWARDSGOOGLE FINANCIAL GEOFENCING REAL PAST PLANNERSCLIENT REALTOR BUILDERLifetime Lender: - ------ - --- --- --- Lead ConversionSix transactions  Buyer home search tools in the life of a --  Monitor client activity - - - - - - -- - -  Consistent branding to stay customer --------- in front of clients  Follow-up support gives 20% - 30% more conversions = more commission! Products --------------- Conventional, FHA, VA, Renovation, New Opportunity, Jumbo and Bonds ------------------ Outstanding Customer Service -------------------  Operational excellence  Meeting client expectations  On-time close Past-Client Bucket Corporate Email Customer Home Listing Leads LCP Follow-up RMS Prior Customer Servicing Leads For Internal Distribution Only. Rev 1.20.16 (0815-2352) HBM2 is a licensed real estate brokerage services company in all states where it offers real estate services, including the Home Scouting Report® (HSR) 2 and the Sold Home Alert® (SHA). The role of the Mortgage Company is to work with agents and other strategic business sources in the area of converting lost contacts to sales and to assist in determining a comfortable home price range for HBM2 to use when searching for property listings within a buyer’s search criteria. The Loan Officer’s role is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. (HBM2) to use whensearching for property listings within the buyer’s search criteria. The Loan Officer is neither an employee of HBM2 nor the provider of the HSR or SHA. The Real Estate Agent and HBM2 are cooperating, licensed real estateprofessionals. The Cooperating Real Estate Agent is neither an agent nor a broker for HBM2, but works cooperatively with HBM2 to assist buyers in their home buying efforts. The HSR and SHA are online home findingservices provided directly to consumers by HBM2 and its real estate brokers as part of their ordinary real estate brokerage services. © 2016 Home Buyers Marketing II, Inc. (HBM2)

Prospect’s Business Sources Prospect Home Rewards®. This special incentive Real Estate Agents. Agents are the most offered to members of affinity groups, such as unions, important source of business for Prospect college alumni, and other membership organizations, Loan Officers. Relationships are at the heart offers up to $750 cash back* on a mortgage. of our business. Loan Officers maintain strong relationships with their partners, and remain Internet. Prospect’s web and search advertising focused on providing world-class service to their programs provide a flow of company-sourced leads mutual customers. that augment the Loan Officer’s personal production. Builders. Prospect maintains a New Construction Past Client. Loan Officers can access information Division to support our significant presence in on all prior loans and manage borrower contact the builder community. Special products, such using our relationship management system (RMS). as extended and spec rate locks, and 0% condo RMS lets Loan Officers sort and filter based on prior pre-sale, differentiate Prospect in this market.** loan characteristics, such as rate, loan type and date of loan. Corporate Email. Rocket Fuel auto marketing email drip campaigns keep the Loan Officer top of Customer Referral. Prospect Loan Officers excel mind with all prior customers. at expanding their business via referrals from happy customers and Agents. To further support Customer Home Listing Leads. Prospect watches this, Prospect offers automatic email campaigns all prior funded customers to see if they list their to request referrals from borrowers and Agents on home for sale. These listing leads are forwarded behalf of the Loan Officer. within 24 hours to the Loan Officers, so they can contact the borrowers to finance their next home. Co-Marketing. Prospect offers many opportunities for Loan Officers to partner with Agents in business Lead Conversion Partners (LCP) Follow-up. LCPs development activities. Co-marketing materials, maintain regular contact with prior customers, live such as email drip campaigns and flyers, can transferring or setting appointments for customers be obtained on demand using our Rocket Fuel interested in refinancing. marketing system. In addition, approved external co-marketing opportunities, such as Zillow and *Borrowers are eligible to receive a $750.00 gift card for a purchase loan transaction and $500 for a ListReports.com, are available. refinance transaction; after a loan closing secured by a first mortgage or deed of trust with Prospect Mortgage (“New Loan”), subject to qualification, approval and closing. This promotion is available for Geofencing. Using Prospect’s top-producer conventional conforming loans, including those guaranteed or insured by Fannie Mae, Freddie Mac, intelligence, Loan Officers can identify and target and FHA. This promotion cannot be redeemed with any other promotion, discount or rebate. Only one all top-producing buy-side and sell-side Agents in award per new loan. This promotion is void where prohibited and is not transferable, subject to the their market. This ensures that the Agents they are terms therein and is subject to change or cancellation with no prior notice. See complete details here: targeting fit their business model and goals. http://www.myprospectmortgage.com/disclosure_v8.asp **Extended rate lock for buyers may require a rate add-on and an up-front lock-in fee. A portion of the REAL. Prospect’s Real Estate Agent Learning up-front lock-in fee may be refunded at closing. The refund amount is dependent upon the rate lock (REAL) program provides free webinars for our commitment period and rate add-on. Homebuyers can exercise a one-time no fee float down within Agent partners, delivering real-world tactical 60 days of closing. A Spec Lock fee may apply to builders. Reduced presale of 0% available for approved advice and strategies used by other top Agents builders and condominium projects. This Freddie Mac program is not available in Florida and Nevada. around the country. Loan Officers leverage this program to reach the tens of thousands of Agents who have learned about Prospect through REAL webinars and content.3

Why You Will Succeed at Prospect Mortgage Powerhouse Recruiting and Onboarding. Powerhouse Comprehensive Products. As a direct lender with Fannie Mae, Recruiting makes the onboarding process for new Loan Officers Freddie Mac, FHA/VA, USDA and many State Bond Programs, as smooth and seamless as possible. They ensure that the Loan Prospect can meet just about any financial need. Our extensive Officer is fully trained and set up in all Prospect systems, and product line includes a full slate of traditional, conventional that their existing pipeline of loans stay on target. They serve as and FHA/VA/USDA products; Prospect’s New Opportunity a dedicated concierge resource to the Loan Officer for two years LoanTM*** for credit scores as low as 580; FHA Prime, which after their hire date. Of course, Powerhouse Recruiting also offers significant price improvement for highly qualified FHA helps managers find and recruit top-notch Loan Officers. borrowers; regional bond and down payment assistance programs; multiple Jumbo programs; Renovation Loans, Lead Conversion Partners (LCP). Prospect’s LCP program helps including 203(k) Renovation Loans and HomeStyle® Renovation. Loan Officers maximize buyer capture rates. Acting as virtual team We also are approved to broker loans to offer unique products members for Loan Officers, LCPs follow up activities with the that are not available through traditional mortgage channels. Loan Officers’ buyers — including new leads not yet contacted, pre-qualifications over 30 days old, all prior customers and Agent Compliant Co-marketing Tools. Prospect offers its Loan referrals — until they are ready to buy. They also save the Loan Officers a broad set of approved, compliant tools that let Officer time by identifying customers who are no longer looking. Loan Officers and Agents co-market. These co-branded tools This enhanced follow-up capability enables the Loan Officer to are designed to capture new customers via advertising and attract Agents who also fall short on their follow-up goals. specialized websites, and incubate buyers until they’re ready for a home purchase loan. Some of these tools include Home Rocket Fuel Marketing. Keep customers tethered to your Buyers Marketing II/Home Scouting® App/Sold Home Alert®; services by using Prospect’s automated Rocket Fuel Marketing ListReports.com; Rocket Fuel; and Zillow/Trulia. Portal. It provides free, personalized, and unlimited automated email marketing for all Loan Officers, and access to hundreds of Company-sourced Lead Generation. Prospect offers proven marketing items that can be emailed, downloaded or printed strategies and structures to create lead sources and advertising on demand. Prospect’s marketing database automatically feeds that drive profitable purchase leads to Loan Officers. There are from the loan origination system and lead systems, and also several inbound lead opportunities Loan Officers can participate lets Loan Officers manually upload data. Loan Officers can drive in. Key lead generation programs include renovation, on-demand email campaigns, which are personalized with their foreclosure property financing, first-time buyer and new photo and contact information. homebuyer leads. Leads are distributed to Loan Officers in the lead generation program based on proximity to the customer.4 ***For primary residences only, maximum loan amount per county loan limits.

Leadership and CultureOur approachable, hands-on leadership team comprises veteran Loan Officerswho understand sales and know what it takes to succeed. Knowing that ourbusiness depends on the success of our Loan Officers, Prospect inspires a culturethat gives Loan Officers a voice with leadership. In fact, our Operations and Salesleadership started as Loan Officers, which supports our purchase-focused cultureand our understanding that Real Estate Agent relationships are key to our success.

Online Home Search App. Via Home Buyers Marketing II, State-of-the-Art Technology. Prospect provides the technology Loan Officers and Agents can invite buyers to search privately that helps Loan Officers to succeed. Loan Officers can use their using a co-branded app. The app provides information on own mobile devices to access email, the loan origination system buyer activity that the Loan Officer and Agent can use to (LOS) and all office applications, including instant messaging. trigger follow-up discussions. Our LOS is Encompass360, a fully integrated and agile system that effectively lets Sales and Operations collaborate and move REAL. Serving more than 33,690 Real Estate Agents since loan files efficiently. Loan Officer websites are mobile-optimized; its inception, Prospect’s Real Estate Agent Learning (REAL) have exclusive, customized content; and are Google-optimized program provides free educational webinars, videos and articles so customers find Loan Officers more easily. Also, your customers to Agent partners. Loan Officers use the program to introduce can submit loan requests into the LOS from the Loan Officer’s their services to Agents while helping Agents to solve real- website. Loan Officers then receive text and email notifications world realty challenges. REAL webinar invitations go out from of the lead. For Loan Officers wanting more, there is a full-service the Loan Officer, branding the Loan Officer with a broad set of social media specialist option available. local Agents who they are not currently doing business with. Renovation Loan Support. Ranked as the No. 1 FHA 203(k) Social Media. Prospect offers a dedicated social media team that lender in the nation according to HUD data, Prospect gives provides Loan Officers with relevant daily content to keep and customers more reasons to change a house they like into a home create customers. Loan Officers have the ability to use their own they love. Prospect provides a team of renovation managers, social media pages freely or can leverage this team to manage coaches and mentors to assist Loan Officers in closing Renovation their content for Facebook, Twitter, LinkedIn and Pinterest. Loans. Or Loan Officers can choose to refer Renovation Loans to Prospect’s corporate social media services help Loan Officers a coach and still receive full commission. Prospect offers 203(k) brand their own services with a platform that incubates buyers. Renovation Loans and the HomeStyle® Renovation Mortgage. Prospect Home Rewards®. Offering $500 cash back on a New Construction Loan Support. Prospect’s New Construction refinance and $750 cash back* on a purchase loan, Prospect Division supports the builder community by helping move Home Rewards is a great way to connect with members of new home inventory. What differentiates Prospect from the affinity groups. See disclosures, page 3. competition? Dedicated, regional business development managers who help Loan Officers to close major deals; extended6 rate locks that let borrows lock interest rates up to 12 months; a Spec-Lock program that locks in interest for builders’ houses without a buyer or purchase sales agreement; a 0% condo pre- sale requirement that lets Loan Officers get borrowers qualified so Loan Officers can close their units** immediately to kick- start sales; dedicated condo and co-op approval process; and automated pipeline reporting that details prequalifications and all the loans in the Loan Officer’s pipeline. See disclosures, page 3.

Operational ExcellenceBecause of our purchase-focused culture, loans are prioritized based on requiredclosing dates. To do this, Operations is closely synced with Sales. This synergyensures fluid communication between sales processing and underwriting, theeasy sharing of information and the ability to meet closing dates. In fact, ourOperations processes are built knowing that closing on time is the key to LoanOfficer relationships, and Operations’ compensation is based on on-time closings.

Contact Us: Prospect Mortgage, LLC 15301 Ventura Boulevard, Suite D300 Sherman Oaks, CA 91403 (800) 778-9817 www.myprospectmortgage.comThis brochure is for recruiting purposes only. It is not intended for use by or distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-in-Lending Act.HomeStyle® is a registered trademark of Fannie Mae. Loan inquiries and applications in states where I am not licensed will be referred to a Loan Officer who is licensed in the property state. Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403, 800-464-2484. Prospect Mortgage, LLC, NMLS ID #3296, (www.nmlsconsumeraccess.org) is a Delaware limited liability company licensed by the Department ofBusiness Oversight under the California Residential Mortgage Lending Act and operates with the following licenses: AZ Mortgage Banker License #BK0903027; Georgia Residential Mortgage Licensee #16984; IllinoisResidential Mortgage Licensee; MA Mortgage Lender/Broker License #MC3296; MS Licensed Mortgage Co.; Licensed by the NH Banking Dept.; Licensed by the NJ Dept. of Banking and Insurance; Licensed MortgageBanker – NYS Department of Financial Services, 711 Westchester Avenue, Suite 304, White Plains, NY 10604; RI Licensed Lender, RI Licensed Loan Broker; In Texas, located at 8650 Freeport Parkway, Suite 130, Irving,TX 75063. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at thetime of your loan lock-in, commitment or closing. All loans must satisfy company underwriting guidelines, interest rates and APRs are based on recent market rates, are for informational purposes only, are subject tochange without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other variables. Terms and conditions apply. Additional loan programs maybe available. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law. Call for details. Rev 3.17.16 (0116-2651) LR 2016-189