this is primelending
TRANSCRIPT
About Us
Headquartered in Dallas, Texasand in business for over 28 years
Over 300 locations across the nation
Licensed in all 50 states
95% customer satisfaction rate*
Backed by a well-capitalized bank, PrimeLending is poised for tremendous growth and leadership
A subsidiary of PlainsCapital Bank, PrimeLending is owned by a financially strong public parent company, Hilltop Holdings (NYSE: HTH)
*Surveys are sent to customers within 7 days of loan closing. During the period of Jan. 2014 to Oct. 2014, PrimeLending had an average response rate of 40% on its customer satisfaction surveys.
Our People Make a Difference
STEVE THOMPSONExecutive Vice PresidentNational Production Manager
SCOTT BRISTOLPresident
SCOTT EGGENExecutive Vice PresidentDirector Capital Markets
KRISTI HARRISExecutive Vice PresidentNational Operations
TIM ELKINSExecutive Vice PresidentChief Information Officer
TODD SALMANSChief Executive Officer
AL VELASCOExecutive Vice PresidentWestern Division
DAN RAWITCHSenior Vice PresidentRegional Manager, California & Hawaii
Our commitment to living our convictions and purpose is focused on the people we employ, the partners we serveand the consumers we advise. We stand apart by treating everyone with care, respect and appreciation for the contributions they make, the people they serve and the communities they influence.
We realize that if we are to make a positive impact on our customer, we must continue to attract and retain people who hold our convictions. We magnetically attract a diverse spectrum of employees and demonstrate the abilityto engage their highest achievements and best talents. Weare passionately committed to making a positive differencein our employees' lives and investing in their personal development.
Our rotational training systems and mentoring programs arethe best in the industry. We offer leading-edge leadership development retreats as well as training programs for managers, non-managers and loan originators. Ourcontinued focus on growing more productive sales people and the future leaders of the organization will establisha legacy for years to come.
SCOTT BRISTOLPresident
2014 Recap
VOLUME UNITS NEW BRANCHES
LOAN OFFICERS HIRED PURCHASE REFINANCE
80% 20%555
$10.3B 48,655 42
Personalized Website
Video library
11 different mortgage calculators
Robust array of image options
Search words are pre-loaded to assist with SEO
Products that Make Us Stand Out
HomeStyle® is a registered trademark of Fannie Mae.
We are a fully approved direct lender with Fannie Mae, Freddie Mac and Ginnie Mae.
Conventional
Jumbo
VA and USDA
FHA
203K
Bond and DPA
Customized PMI
• Fixed-Rate (10-30 Year Terms) • Adjustable-Rate Mortgages (ARMs) • Cash Out transactions, also available in Texas • FNMA HomeStyle®• FNMA DU Refi Plus & FHLMC Relief Refi (Max 125%
LTV) • Multiple Properties (Up to 10 Financed) • Conforming High Cost Loans• 97% Conventional Financing
• Loan amounts up to $3 million(higher in some cases) • Fixed-Rate Mortgages (10-30 Year Terms) • Cash Out transactions for second homes• In-house Underwriting up to $3 million• 89% LTV with No Mortgage Insurance • Delayed Financing
• 100% Financing for Purchase Transactions• IRRRL (Interest Rate Reduction Refinance Loan)• Cash Out Transactions (90% Max LTV)• High Balance loans available• USDA:100% Financing, finance closing cost and
prepay items, no limit on gifts or seller contributions, no reserve requirements
• Purchase, Refinance, Streamline, Cash Out, Condominium, Disaster Relief
• FHA 203(k) – Rehabilitation, Streamline Rehabilitation • $100 Down REO • Good Neighbor Next Door • EEM (Energy-Efficient Mortgages)
• FHA $5,000 Repair/Renovation• USDA Repair Escrow• EZ “C” Conventional $25,000 Repair/Renovation• Non-Conforming Jumbo $250,000 Repair/Renovation
• We have a large mixture of both bond and DPA programs. We continue to increase the programs offered by local and state-, county- and city-governed agencies.
• No overlays
• This helps save your clients money over the life of the loan • Most other lenders are locked into one plan, but we offer
many
One-Time CloseAvailable for owner-occupied and secondary homes
Up to 90% of total costs can be financed
Contingency reserve included to cover cost overruns or upgrades
Low, interest-only payments while the home is being built
Fixed rate programs from 10 to 30 years available for the permanent mortgage loan
No need to re-approve or re-appraise when construction is completed
Loan includes a built-in float down option
Borrower pays only one set of closing costs
Operations
Certified Processor program to expedite the closing process
Dedicated underwriting team for each region with on-site processing for most branches
Underwriting quick fix email for loan officer support
Scenario Help Desk offers personalized guidance about your specific transactions
Internal appraisal desk
Consumer Mobile Application
The Consumer Mobile App offers customers:
Easy-to-use calculators for affordability, monthly mortgage payment and rent vs. buy
How credit scores impact available mortgage rates
Access to a local PrimeLending branchoffice or loan officer
Mobile Partner Application
Push notifications on loan status changes
Message center for updates on loan products
24/7 access to stay on top of loans in process from originating to funding
The Mobile Partner App was designed specifically for our business partners to stay “in the know” on the go.
Marketing SupportAutomated direct mail and e-mail campaigns for business partners, customers and prospects
Highly personalized programs & tools
Dedicated marketing coordinatorsfor each region
Website & social media support
Direct mail including postcards,greeting cards, letters & kits
Ability to select imagesto customize materials
Co-branded materials
Accomplishments
Contact
Join us and see why PrimeLending loan officers have made PrimeLending their home! Contact me at:
Scott Butnick
Regional Talent Acquisition
NMLSNA
972-738-7740
To learn more about the PrimeLending difference, visit:PrimeLending.com/Recruiting
PrimeLending, a PlainsCapital Company (NMLS: 13649). PrimeLending, a PlainsCapital Company, is an equal opportunity employer and ensures that all applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, disability, genetic, pregnancy or any other status as protected by federal, state or local law. Equal Housing Lender. © 2014 PrimeLending.
Not intended for consumer distribution. Not subject to Reg Z 1026.24.
PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, CO, DE, FL, GA, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI, WY. Licensed by the: AL State Banking Dept- consumer credit lic no. MC21004; Arkansas Securities Dept- combination mortgage banker-broker-servicer lic no. 105190; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- lender lic no. 4130996.; CT Dept. of Banking- mortgage lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLB13649; Hawaii Division of Financial Institutions- mortgage loan originator company license no. HI-13649; IL Dept. of Financial and Professional Regulation- residential lender lic no. MB.6760635; IN Secretary of State Securities Division- loan broker lic no. 13649; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- mortgage lender lic no. 11058; Massachusetts Division of Banking- mortgage lender & mortgage broker license nos. MC 13649, MC13649-101, MC13649-102, MC13649-103, MC13649-105, MC13649-106, MC13649-108, MC 13649-109, MC 13649-113, MC 13649-114, MC 13649-115, MC 13649-116, MC 13649-117, MC 13649-118, MC 13649-119, MC 13649-120; MI Dept. of Labor & Economic Growth- 1st mortgage broker/lender/servicer registrant lic no. FR 0010163 and 2nd mortgage broker/lender registrant lic no.SR 0012527; Licensed by the New Hampshire Banking Department- mortgage banker lic no. 14553-MB; NJ Dept. of Banking and Insurance- residential mortgage lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- mortgage lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; Lic. Mort. Banker- NYS Dept. of Fin. Svcs. Lic no. B500999 (2000 Winton Road Bldg.1 #102 Rochester, NY 14618); OR Division of Finance and Corporate Securities- mortgage lending lic no ML-5260; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. CL-13649; WV Div. of Financial Institutions- lender license ML31704 and broker license MB-31703. V032514.