Download - EverBank - Residential Lending
BANKING | LENDING | INVESTINGPrivileged and Confidential
WELCOME TO EVERBANK Stability. Growth. Innovation.
2BANKING | LENDING | INVESTINGPrivileged and Confidential
ABOUT US
Why EverBank? With us, you’ll get the entire package
SM
Products, service and a complete benefits package
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2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
$12,000,000,000
$15,000,000,000
$9,000,000,000
$6,000,000,000
$3,000,000,000
$0
Net Assets:June 30, 2012*
$15,000,000,000
STRENGTH AND STABILITY
Standing apart as one of the nation’s strongest and healthiest banks1
one of the fastest growing financial institutions today.
we’ve experienced record growth.
1. 4 out of 5 star rating provided by BauerFinancial as of 6/30/12, www.bauerfinancial.com
* As of the three months ended June 30, 2012
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STRENGTH AND STABILITYContinued
As the largest bank headquartered in Florida,1 it’s easy to say that we’re strong and stable. However, the true evidence of our success is in the financials we’ve posted and the recognition we’ve received.
Validating our success
Positive earnings recorded every full year since 1995
Consistent double-digit returns on equity every year since 2000
Rated 4 out of 5 stars by BauerFinancial for financial strength and stability2
Became a public company 5/3/2012 with an IPO of 19.2 million shares of stock—trade under the ticker symbol “EVER”
Learn about our company at » AboutEverBank.com
1. Source: Jacksonville Business Journal, 9/20/12.
2. Rating provided by BauerFinancial as of 6/30/2012, www.bauerfinancial.com.
Our institution is rated4-stars by BauerFinancial
www.bauerfinancial.com– June 2012 –
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FAMILY OF SERVICES
Banking
EverBank World Markets Division
® ®
non-FDIC insured
EverBank Wealth Management, Inc.2
1. EverBank Metals Select products:
Investing in metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully consider the suitability of such metals before making any decision. Please refer to “Metals Select Accounts” in your Account Terms, Disclosures and Agreements Booklet for additional information.
2. EverBank Wealth Management, Inc. is an investment advisor registered with the Securities and Exchange Commission. It is not a bank. EverBank Wealth Management, Inc. may recommend or make available products and services offered by its parent company, EverBank, a member of the FDIC, and EverBank’s subsidiary, EverTrade Direct Brokerage, Inc., a broker dealer registered with the Securities and Exchange Commission and a member of FINRA and SIPC. Investment services offered through EverBank Wealth Management, Inc.:
Are Not FDIC Insured Are Not Bank or Government Guaranteed Are Not Deposits of EverBank May Lose Value
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
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FAMILY OF SERVICESContinued
EverTrade Direct Brokerage, Inc.1
EverBank Advisor Services
®
EverBank Commercial Finance, Inc.2
Everhome Mortgage
1. EverBank is an FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a separate, but affiliated company of EverBank. Investment products and services are provided by EverTrade Direct Brokerage, Inc. and:
EverTrade Direct Brokerage, Inc. is registered as a broker/dealer with the Securities and Exchange Commission and is a member of the FINRA/SIPC.
2. EverBank Commercial Finance, Inc. is a subsidiary of EverBank and is not itself a bank or a member of the FDIC.
Are Not FDIC Insured Are Not Bank or Government Guaranteed Are Not Deposits of EverBank May Lose Value
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Consumer Direct Lending
Retail Lending
Warehouse Finance
Wholesale & Correspondent Lending
FAMILY OF SERVICES Continued
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RETAIL LENDING
Benefit from an extensive set of resources®
Grow your business to the next level
Superior capability to meet the needs of your customers
SM
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RETAIL LENDINGContinued
Marketing support
Competitive commission with comprehensive benefits package
Benefit from an extensive set of resources — continued
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PRODUCT SUITE
The EverBank Preferred Portfolio JumboSM mortgage—providing financing up to $3 million
Provide more flexibility to customers
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PRODUCT SUITE
Resort condominium financing up to $1 million
One of a few who finance resort condos
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Conforming fixed and ARM products
Terms:
PRODUCT SUITE
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FHA1 mortgages:
FHA streamline refinances:
PRODUCT SUITE
1. Loan is insured by the Federal Housing Administration through an FHA-approved lender
VA mortgages:
Government programs
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The government’s HARP 2.01
PRODUCT SUITE
1. The Home Affordable Refinance Program (HARP) is part of the government’s Making Home Affordable program that is geared to borrowers who are making timely mortgage payments but have been unable to refinance due to low home equity. Not all loans are eligible. Customer must qualify for program based upon eligibility requirements set forth by HARP. Loans with subordinate financing are not eligible. Freddie Mac and Fannie Mae have adopted changes to HARP and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: www.freddiemac.com/mymortgage/ or http://www.fanniemae.com/loanlookup/.
2. Unlimited LTV available only on fully amortized fixed rate loans that have received a PFW through DU or a qualifying HVE through LP.
3. Restrictions apply. Call for details.
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OPERATIONAL SUPPORT
Close quickly and efficiently with the support of a dedicated operations team
Focus on service so you close loans on time
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OPERATIONAL SUPPORT
FAIRFAX, VA
Mid-Atlantic Operations Center
WOODBRIDGE, NJ
Operations Center
PLEASANTON, CA
Operations Center
IRVINE, CA
Operations Center
BOSTON, MA
Operations Center
JACKSONVILLE, FL
Operations CenterAUSTIN, TX
Operations Center
CALIFORNIA- Balboa- Campbell- Danville- Glendale- Irvine- Los Altos- Palm Springs- Newport Beach- San Diego- San Jose- Tustin - Valencia- Ventura- Westlake Village
COLORADO- Greenwood Village- Denver- Vail
FLORIDA- Boca Raton- Clearwater/Tampa- Ft Myers- Gainesville- Jacksonville- Melbourne- Miami- Naples- Orlando- Sarasota- Titusville- Vero Beach- West Palm Beach
Current Operations Centers— located centrally for maximum support
GEORGIA- Atlanta
MARYLAND- Bethesda
MASSACHUSETTS- Boston- Hyannis
NEW JERSEY- Parsippany- Woodbridge
SOUTH CAROLINA- Charleston
TEXAS- Austin- Bellville- Houston/Katy
VERMONT- Burlington
VIRGINIA- Annandale- Fairfax- Prince William County- McClean
Current Sales Center Locations
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MARKETING SUPPORT
You’ll have the support you need the day you arrive
Dedicated team to develop effective marketing programs
Easy access to customizable marketing materials
Introductory announcements, sales collateral post cards, open house flyers and more through our On Demand website
Online and print advertising
In-house creative team including writers, graphic artists and web development experts support the lending division
Production group that will handle everything from email communications and direct mail to print production
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SALES SUPPORT
State-of-the-art system that simplifies and streamlines the loan process
Login to Encompass360, Ellie Mae’s LOS, and you can take advantage of:
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PERSONALIZED WEBSITE
Fully integrated personal website so you can work with clients easily and efficiently
At the customer-facing part of the LOS, clients can:
Complete loan applications easily through this secure site with electronic applications
Upload related loan documents
Check loan status
Get notified when a document has been received or a change has been made to the file
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BENEFITS AND RECOGNITION
Between the commission and benefits we offer, your total compensation package is extremely competitive
Total compensation is often higher than others
1
1
1. Health and dental insurance benefits, vision options and retirement planning are available based on the eligibility equirements. EOE. M/F/H/V EverBank supports a drug free workplace.
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BENEFITS AND RECOGNITIONContinued
Benefits package that many of our competitors don’t offer
Mortgage Loan Officer Benefits1
Commission schedule
Easy NMLS registration
Marketing support
Insurance
Health and dental
Health Savings Account
Health and dependent care flexible spending accounts
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BENEFITS AND RECOGNITIONContinued
Long-Term Disability, Basic Life Insurance, plus Accidental Death and Dismemberment Insurance
Voluntary Benefits
Vision
Supplemental life insurance, supplemental accidental insurance, prepaid legal services
Fitness Reimbursement
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Retirement planning
401K
Profit Sharing and Savings
BENEFITS AND RECOGNITIONContinued
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BENEFITS AND RECOGNITION
The Chairman’s Circle—annual retreat recognizing lending’s top producers
Awards dinner, special gifts
Break-out meetings
1:1 time with EverBank® executives
Leisurely fun at lavish locations including the site of the 2013 event— the Hotel del Coronado, San Diego, CA
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JOIN THE EVERBANK TEAM
Learn more and apply for a retail lending position
Visit »AboutEverBank.com/RetailLending
© 2011-2012 EverBank. All rights reserved. 12ERM0100
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