Discover The Difference

Recruitment Brochure

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

Prepared for Mike Ciotti

HQ 1255 Lakes Parkway Building 300, Suite 300,

Lawrenceville, GA 30043 | NMLS #75615

Thank you for your interest in Brand Mortgage. BrandMortgage is far more than a trusted full-service lender that offers a suite of mortgage financing options like FHA, VA, Conventional, Jumbo and portfolio products. Although we are a wholly owned subsidiary of BrandBank – a historic financial institution established in Georgia in 1905 – BrandMortgage takes great pride in our independence and youthful optimism. With our strong roots from the past and a firm footing in the future, we combine an old-fashioned sense of community with a progressive attitude toward the use of innovative lending products. By offering a growing inventory of mortgage finance products, along with empowering our associates to help each and every client choose the best options, we are focused on being the best and strongest lender in the Southeast. Respect…..Trust…..Integrity…..Community…..Optimism

NEWS WELCOME

Management

6224 Sugarloaf Parkway, Suite 200, Duluth, GA 30097 NMLS: 75615

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

MANAGEMENT

Greg Shumate has been an industry leader for three decades. His expertise lies

in driving results through strategies planning, collaboration, and innovation. He

started the company in 2006 and has overseen its growth to become a top ten

lender in Georgia. Under his leadership, Brand has seen an increase in sales of

200% in the last two years and has expanded to 16 locations in 5 states. He

serves on the Boards of Directors for several financial institutions, non-profits,

and industry overseers.

Alex Koutouzis has over 20 years of experience building companies in the

mortgage industry. He is a results-driven, detail oriented executive with a

proven history of strategic growth in volume and profit driven sales operations.

Since joining Brand in mid-2010, he has ben focused on expanding the sales

force, increasing production, and improving infrastructure and efficiencies. He

has opened a new operations center, doubled the average volume per loan

officer in addition to establishing and managing the compliance, marketing and

training departments.

GREG

SHUMATE

CEO

Managing

Partner

ALEX J.

KOUTOUZIS

PRESIDENT

Managing

Partner

2013

• Brand Mortgage grows presence in South Carolina by opening up

branches in Greenville and Charleston

2012

• Brand Mortgage continued growth with new office in Cumming, GA

2011

• Brand Mortgage expands headquarters in Metro Atlanta

• Brand Mortgage expands into Kennesaw, GA

• Brand Mortgage opens new retail office in Peachtree City, GA

Summer 2011 September 2011 AJC Top

Workplaces

2011

Summer 2011

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

NEWS

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Support “A Paperless System” – all documents scanned and sent to Processor, Underwriter and Closing. No original documents

pass hands.

Set-up Person – orders appraisals, title work, send disclosures plus any additional documents all scanned/e-mailed to

client.

Once client receives e-mailed documents/disclosures, etc. they open e-mail and accept, hit signature button and it

returns automatically. Only 5 forms that client needs to sign and scan/e-mail back!

The Processing/Underwriting System is designed to submit to Underwriting within hours of taking application (in

essence, an “up-front approval.”) Underwriting underwrites the loan 9 out of 10 times on the same day, but no later than 24

hours. If there are any conditions – they are cleared within 48 hours or less.

System is designed to close all loans in 15 days!

There are “Limited Overlays” beyond AUS findings!

Extensions up to 3 days are free!

All Seconds underwritten simultaneously by the bank. All Seconds are in-house! 80-15-5, 80-10-10, 90% LTV to

$1,000,000, 80% to $2,000,000 are just a few of the options available.

Appraisals are managed by the “Valuation Management Group” – set-up person/processor orders all appraisals. Loan

Officer is notified by e-mail immediately that appraisal was ordered and when appraisal is expected to be delivered. Once

appraisal is completed, Loan Officer, Processor, Client automatically receive an e-mailed copy. All the Loan Officer needs to

do is send your desired Appraiser’s contact info to the Valuation Management Group to have them approved……easy!

Our pricing system will alert you and your client automatically by e-mail when a desired rate/price is reached.

Our loan system shows your loan status – live! You watch the entire loan process on every loan 24/7!

Competitive Benefits Package- Health Insurance, 201k Plan with matching, Champions Club Trip, Much more…..

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

Why Brand Mortgage?

Jumbo

Log Homes Condos

Utility Leaseholds

24 Self Employed Bank Statements

Construction Perm Products

2nd Mortgages

203K Rehab Loans

Doctor Loans to 100%

Lot Loans

FHA Loans

Down Payment Assistance

USDA Rural Home Loans

FHLB Grant Program

Flex 97

$100 Down HUD Homes

Bond Programs

Portfolio & Specialty Products First Time Home Buyers

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

PRODUCTS

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

15 DAYS to CLOSINGS

Together we can enforce

our established timelines

to ensure a wonderful

“mortgage” experience for

our borrower(s)… and an

added benefit of uniform

accuracy throughout the

process!!

-Stephanie Kennedy, EVP

Operations

DAY 1

Loan Officer

Takes Loan App ”File”

Gathers Documents

DAY 2

Loan Officer

Sends File to Setup &

Processor

DAYS 3-4

Processor

Reviews File and submits to Underwriting

DAYS 5-7

Underwriter

Underwrites file per standards

DAYS 8-12

Processor

Clears conditions and resubmits to UW and

Compliance

DAY 13

UW and Compliance

RESPA REVIEW

DAYS 14-15

Closing

Prepare and ship package

Post Closing

Ship prior to commitment due date

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

Marketing

Web-based relationship management system tied to our loan origination system to stay in touch with their customers and business

partners.

Tailgating trailer for use at community outreach programs, open houses, customer appreciation events, etc….

Employee’s

Exceeding client expectations and providing superior service are essential in today’s market. The people at Brand

Mortgage understand this more than any other group I’ve known. There is a can-do spirit at every level of the

organization. -Jeff Curtis

In a word, the thing I like best about Brand Mortgage is the “People”. It is great to be able to talk through a loan scenario

with fellow loan officers, processors, and underwriters to find a way to make a deal work. There is a great sense of

Team at Brand. -Terra Winter

The thing that I like best about Brand Mortgage is the assistance from management and underwriting. They are always

ready to answer questions, help avoid last minute problems and help you research guidelines. -Joanne Rotella

I absolutely love the gusto and support that management displays. Our processors and underwriters treat our

customers with compassion, respect and sense of urgency with their closings. Brand mortgage cares about the

relationship! -Cheryl Wentzek

What I like most about working here is the way everyone works as a “team” to get the loan closed. It’s such a smooth

process from set-up, to processing, to underwriting, and last, but not least a closing department that does whatever it

takes to get the loan closed ON TIME! -Renee Tracey

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

Testimonials

Partner

“When we received the request to add this closing on this afternoon, our schedule was very tight. I agreed because your

company was the lender. I knew that your promise of when we would have a package was accurate. We went to the table

with an approved HUD and money. Our changes were re-approved quickly. The funding documents were reviewed

immediately. Your borrower was a first time homebuyer. Because of the job you do, he and his family will be in their

new home this weekend. They are very much looking forward to their first holiday in their own home.

I know that there are several people whose work make each closing happen. We may not know their names but we are

thankful for everything they do. I hope that we tell you enough how much we appreciate working with Brand Mortgage.”

Morris | Hardwick | Schneider

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

In Community

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

Locations

Brand Mortgage provides loans in 10 states.

Georgia Atlanta Augusta

Coweta-Fayette Cumming

Douglasville Gwinnett Kennesaw

Lake Oconee Savannah

Alabama

Grant

South Carolina Columbia Area

Charleston Greenville

Irmo

North Carolina Charlotte

Tennessee

Chattanooga Cool Springs

Virginia Orange

Richmond Woodbridge

We invite you to take the next step in a career move to Brand Mortgage by setting up a confidential

conversation with our local managers.

Neil Arden

Recruiter

Direct: 678.389.9424

Cell: 619.933.6345

recruiter@brandmortgage.com

Feel free to browse our new website to answer any other questions you have or even to see if there is a

familiar face or two.

www.brandmortgage.com

HQ 1255 Lakes Parkway Building 300, Suite 300

Lawrenceville, GA 30043 | NMLS #75615

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