Newsletter for October 2018

NW REGIONAL NEWSLETTER HIGHLIGHTS FOR THE MONTH OF OCTOBER We ended up October off a little in closed volume but we saw a nice increase in credit pulls, applications, and locks which bodes well for November. It’s that time of year when I remind our team to not “fall into fall.” Let the competition think about turkey, pumpkin pie, and Christmas shopping while we focus on providing FANomenal service to our realtors, builders, and customers. There are still people buying and we have the ability to get them home for the holidays. Finish strong! Adam Kessler just posted the 3 quarter results, I am proud to see the Legacy branch rd the #2 branch in the company and Dave Perry and Jason Oswald earning top 10 spots. As we all know it takes a village, and too all of you on the Legacy team, GREAT JOB! Shout out to those that have qualified for President’s Club, Jason Oswald, Dave Perry, Tera Davis, and Kelly Beebe. Kudo’s also to our Executive Club qualifiers, Leon Baker, Scott Petersen, John Spiker, Whittney Curran, Leon McKean, and Ryan Shelby who is one loan away. Still time to improve your ranking! *LOOK FOR THE NORTHWEST REGION’S REFI CONTEST IN THIS NEWSLETTER* We continue to deal with pricing pressure in most all of our markets. I know I sound redundant but we need to get our application to approval timeline decreased. We are nowhere near Adam’s 10 days. This is a team effort, the LO has to turn a quality file in quickly and the processor needs to get it to underwriting as soon as possible. Everyone involved in the relay should be aware of their current turn times. We may not be able to give away the farm like some of the banks and CU’s we are competing with but if we can close substantially faster we will win more deals. As we approach Thanksgiving please think of all those in your personal and professional life and make it a point to say thanks. Christmas is a barrage of cards, presents, and food, the nice things you do at Thanksgiving will truly stand out and show how much you appreciate them, just as I am thankful to work alongside all of you! -Dave Schile “Keep your eyes open to your mercies. The man who forgets to be thankful has fallen asleep in life.” ~Robert Louis Stevenson

EVELYN COX Did you know? That you should be entering the HFA codes on the FNMA streamline screen on IHFA Preferred loans to get the correct findings. That commission income must have a 2 year history of receipt. That leaving items in the unassigned is not good; leaves it open to underwriters. That you should not be including State tax returns with the Federal Tax returns. That on FHA loans you have to include all debts; unless there is a contingent liability; meaning the person making the payments is also on the debt. (Cosigned obligations) Quotes “How wonderful it is that nobody need wait a single moment before starting to improve the world.” – Anne Frank “Who speaks ill of others to you will speak ill of you to others.” - German Proverb “If I had nine hours to chop down a tree, I’d spend the first six sharpening my axe.” – Abraham Lincoln “Kid, there are heroes and there are legends. Heroes get remembered, but legends never die. Follow your heart, kid, and you’ll never go wrong.” – Babe Ruth “Always be a first-rate version of yourself, instead of a second-rate version of somebody else.” Judy Garland “If something is wrong, fix it now. But train yourself not to worry, worry fixes nothing.” Ernest Hemingway

Shout out to Becky Godina she is underwriting my Knudson file… And it is a total BEAR! – Kelly Beebe, you know this. I really appreciate the job she did!!!!!! ~Kris Link Shout out to Michelle, MonaSue, Manessa (Mo) and Danielle for a great month and covering for me while i was in Cuba You are awesome!!!!!! ~Scott Petersen Pearl Smith, You always are doing your best at work and always Keeping your family a priority!! Thank you for all your hard work and good luck to Declan!! ( her son is a senior and plays football for Nampa High who is in the state playoffs right now, and has had 2 college recruit visits for football) wahoo!! ~Vicki Leavitt Fran Larsh!! She is always there for you when you need a last minute CD to go out!!! She’s the Best!!! -Steph Louden Shout Out to Jennifer Bender, my work spouse for all she has taught me in the past five years we have worked together and also always being flexible. ~Bonnie Maxwell

Pearl Smith is a team player and a sweetheart. We had a rush loan come down for docs when I arrived at work ( I was not quite awake yet ). Pearl was so sweet, she made and brought me coffee. Team player for sure!!!! ~Christy Milliren Shout out to Tanya Eagans! Although she is extremely busy and we work in different States she has been more than helpful whenever I had any questions about anything and if she didn’t know the answer she went out of her way to find it for me, I can’t thank her enough for all that she has done for me and how much she contributes to Academy! ~Erika Donovan I wanted to give a big shout out to the whole Legacy Meridian office for their love and support for my brother whose is battling cancer. Big shout out to Darla Austin and Ami Browen for all their extra hard work while I have been battling health issues. I am so grateful for you! Congratulations to our bosses for their outstanding production achievements! I am honored to be on your team. Dave and Jason rock!! Thank you to Natalie, Sara, and Danielle for your friendship and smiling faces every day. You make work enjoyable and you are like sisters to me. Great Job Amy Hobbing on the Raise Hunger Awareness Event! What a wonderful experi- ence to be a part of. I’m so glad you are a part of my Legacy Family. Brandi Albers, you are amazing at your job and you are a wealth of knowledge. Thank you for always being so approachable. I adore you! ~Heidi Williamson

SMILE A LITTLE Jennifer Bender and her Daughter Sophia LEGACY MERIDIAN’S HALLOWEEN PHOTO

WELCOME OUR NEWEST EMPLOYEE CHARLES STEVENSON Charles Stevenson is the newest Loan Officer at the Legacy Branch in Meridian, Idaho. Congratulations Jason Oswald, Dave Perry and the Legacy Branch in Meridian, Idaho

Charity and Service Projects The Colville Branch was pleased to participate as a Gold Sponsor for the Wo + Men Making A Difference fundraiser for Rural Resources Victims Services / Kids First Children’s Advocacy Center for Ferry, Stevens, and Lincoln Counties of Washington. Funding enables emergency services to be provided 24 /7 , 365 days of the year for a 24 (Left) Cheryl Lipp, LO – Br. 340 Colville (Right) Lynn Hergenreder, Branch Manager hour help line, housing for victims of domestic violence and their children, and support for victims of sexual abuse / assault, and other crimes. The event was completely packed with both men and women overwhelmingly supporting this program. The speaker, Abby Honold, a survivor of sexual assault, shared her story with those in attendance. She stressed hope and healing are possible when we work together to help survivors become stronger in the broken places, mending the shattered heart. Laura Alexander at the Meridian, Idaho Branch organized —Kicking For A Cure for St. Luke’s Children’s Hospital. Laura raised around $500.00 for the charity. Laura’s Daughter Sydney just became a black belt in Taekwondo. Below are some of the individual contributors Dave Schile, Evelyn Cox, Angela Bowden, Becky Godina, Vicki Leavitt, Andrew Tschida, Fran & Mike Larsh, Melanie & Dave Baldwin, Pearl Smith and Laura Alexander.

The Legacy Group of Academy Mortgage partnered with Hayden Homes to package over 10,000 meals with Rise Against Hunger! We had so much fun together while we served those less fortunate. The meals we packaged will be shipped to one of the following countries: the Philippines, Vietnam, or Cambodia. Thank you to all who contributed!!

October was a busy month of fun filled events that the Davis Team Walla Walla, WA was able to be a part of and help sponsor! The Davis Team started off October with Tera’s’ husbands dancing debut at the 3 rd Annual Dancing with the W2 Stars where Academy Mortgage was a sponsor. This event raises money for Valley Residential Services, a local nonprofit in our community that offers supported living, transitional housing and family support. The funds raised were going to help pay the costs to outfit a van with handicap accessibility in order to transport community members. This year’s event had 8 participants and Don raised over $3,300!! The Davis Team had the opportunity to volunteer their time once again for the Annual Walla Walla Association of Realtors Care and Share Food Drive. This food drive is the number one resource for stocking the food banks in our area and it takes an army of volunteers to make it successful. Tera, Janessa and Heather helped deliv- er barrels to the grocery stores for donations to be collected, bags to residents homes in the Walla Walla and College Place area as well as unpacking and sorting the donations collected. As you can see we had an overwhelming response from our community and were able to collect over 32,000 pounds of non-perishable food!!!!

For Halloween this year the Davis Team participated in the First Annual Trunk or Treat at Coldwell Banker First Realty. Trunks were decked out and treats were handed out to the community providing a safe and fun place for kids to come trick or treat. Tera had her ferocious werewolf there to greet the kids while a mysterious ghost handed out candy through the decked out trunk. It was a great event with a huge turn out and we look forward to participating again! Tera Davis had the opportunity to help sponsor an Anti-Bullying speaker that came to our area schools to deliver an amazing message about the effects of bullying and how to stop it. Chris Scheufele from Chris in the Classroom travels to schools all over to help spread the message of anti-bullying and it’s making a positive impact everywhere he goes. To see a cool video about what he does go to: https://m.facebook.com/story.php? st_fbid=1196141070524738&id=408780239260829 You can also visit his website at www.chrisintheclassroom.com

Empty Bowls 2018—Idaho Foodbank Fundraiser Throughout the year, handcrafted and hand-painted bowls from professional and amateur artisans, students and studios are collected to be sold with a hot bowl of soup (generously donated by a local restaurant) on the Friday after Thanksgiving. All of the money raised by the fundraiser is generously donated to the Idaho Food Bank. This year a few employees at Meridian, Idaho Branch participated.

OCTOBER NUMBERS TOP FIVE BRANCHES IN THE NORTHWEST REGION LEGACY MERIDIAN 11,088,479 MERIDIAN 9,470,825 NAMPA ID CENTER 4,348,621 ALASKA 3,688,944 COEUR D’ ALENE 3,596,478 TOP TEN IN VOLUME TOP TEN IN PURCHASE VOLUME David Perry 4,742,684 David Perry 4,003,084 Leon Baker 4,348,621 Leon Baker 3,740,952 Jason Oswald 3,782,172 Scott Petersen 3,010,606 Whittney Curran 3,297,196 Jason Oswald 2,831,682 Scott Petersen 3,010,606 Whittney Curran 2,656,506 Leon McKean 2,756,925 Leon McKean 2,385,925 Tera Davis 2,161,725 Tera Davis 2,161,725 Jennifer Bender 2,151,483 John Spiker 1,988,491 John Spiker 1,988,491 Karen Wright 1,673,179 Mike Lipinski 1,712,528 Mike Lipinski 1,562,142 “Keep your dreams alive. Understand to achieve anything requires faith and belief in yourself, vision, hard work, determination, and dedication. Remember all thing are possible for those who believe” ~Gail Devers “Research indictes that workers have three prime needs: Interesting work, recognition for doing a good job, and being let in on things that are going on in the company” ~ Zig Ziglar

NORTHWEST LOAN OFFICERS 1. David Perry $4,742,684 17. John Schaff $932,019 2. Leon Baker $4,348,621 18. Terry Anderson $832,900 19. Cheryl Lipp $791,758 3. Jason Oswald $3,782,172 20. Dave Baldwin $762,125 4. Whittney Curran $3,297,196 21. Eloisa Rawson $743,605 5. Scott Petersen $3,010,606 22. Michael Louden $736,220 6. Leon McKean $2,756,925 23. Craig Ballhagen $655,863 7. Tera Davis $2,161,725 24. Anne Erickson $585,872 8. Jennifer Bender $2,151,483 25. Kristi Lacroix $447,475 9. John Spiker $1,988,491 26. Maureen Miller $391,097 10. Mike Lipinski $1,712,528 27. Stephanie Johnson $260,000 11. Karen Wright $1,673,179 28. Jamie Nettles $230,056 12. Monica Barton $1,262,868 29. Mike McLean $211,140 13. Vicki Leavitt $1,201,905 30. Adam Zachary $195,242 14. Michael Julius $1,014,087 31. Charles Stevenson $168,750 15. Teresa Metz $1,009,960 32. Lisa Steinke $134,518 16. Ryan Shelby $940,381 Total $45,133,451

REWARD: Every loan officer will receive 20 Academy dollars to be used in the Academy company Store for every refinance closed between now and the end of the year.