A Champion Mortgage Team Leading the New Era of Lending…

Envoy Mortgage was built on a very simple philosophy—the right people plus a best-in-class platform equals profitability. It’s this philosophy that has served our company and our affiliates quite well. Since 1997 it has been our mission to provide cutting edge mortgage technology with outstanding customer service. This substantial investment in our branch and production team provides the tools needed to maximize efficiencies and productivity, resulting in a loyal, local customer base allowing them to take their businesses to the next level. Joining Envoy is not a decision to be made lightly. But if you’d like to be a part of an industry-leading team, branch manager or a loan officer, please read on.

When you join Envoy Mortgage, you will receive the tools and support to conduct your business more efficiently and effectively—from our one-of-a-kind platform and production expertise to our award-winning customer service and industry-leading technology. It may be helpful to know how our program is different.

The Envoy Mortgage program:

IS a retail only team of successful branch managers and loan officers seeking to increase their market share and grow their business.
IS NOT one-person loan shops on every street corner. We are partnering selectively, and only with the best.
IS designed for branches and loan officers that focus on maintaining local relationships with realtors, builders and financial services companies.
IS designed to give branches and loan officers the ability to leverage the resources of a large mortgage banking operation without the headache of running back-end functions.
IS focused on realizing greater revenue and using its buying power to offer
producers the best pricing, products and service.
IS designed to leverage the latest in technology to increase branch production and keep origination costs low.
IS NOT designed to support “business as usual” thinking

More Facts about Envoy:

· Envoy Mortgage is a retail mortgage banking, direct correspondent lender – FNMA approved seller; FHA/VA DE Lender.

· Over 1000 employees; over 80 office locations in 40 states.

· Licensed in over 40 states currently. Dedicated compliance department working to add more as we grow our nationwide footprint.

· We maintain the most comprehensive, transparent, aggressive array of correspondent lending products & programs.

o Investor specific correspondent products, programs and guidelines are readily accessible via Envoy’s online pricing engine and searchable product library.

o The Envoy product line shares additional gains from volume hedged and delivered into mandatory /AOT execution to give you better pricing.

o Consistent, aggressive pricing strategy

· We’re an innovator and  technology leader. Our proprietary platform creates cost savings and work flow advantages for loan officers, processors and branch managers.

o All systems are web-based – creates ease of access; quick on-boarding; work space flexibility; better communication; no software cost to branch;

o eSignature at point of sale – electronic signatures at application. Saves time & money.

o Proprietary paperless system – fully integrated, end to end; Saves time & money.

o Loan officer websites with optimized secure online app, designed to capture more complete applications and reduce loan officer workload.

o Envoy’s Product & Pricing Engine – live pricing ready to lock; see price adjustments.

· In-house, local processing, underwriting & doc prep – at the same time, the web-based paperless environment makes it easy to share workload between offices.

· We take production support to unparalleled levels. Our innovative “Remote Operations Center” is a 40 person production assistance team is dedicated to removing the typical administrative busy work to free up loan officers and processors. This resource, provided at no cost for loan officers and branches, helps to increase production, support loan officer recruiting and retention, shorten turn times and reduce processing costs. Our Remote Operations Center can handle tasks such as:

o Manage vendor services (appraisal, attorney/title, flood, etc) and follow up to ensure delivery by deadline set via system by loan officer / processor.  They work directly with appraisers – no AMC

o Send out VO’s if necessary

o Set up loan file and provide ongoing progress reports in Envoy eFile system;  and more…

· Branch Support Liasons assigned to each branch, dedicated to all phases of support – transition on-boarding; training; ongoing support with any branch need – in short, your personal “AE” liaison at HQ.

· Management consulting support

o Loan officer and support personnel recruiting and hiring

o Branch management best practices

o Business development

o Affiliated Business Arrangements; Shared Marketing Agreements

· Network and exchange ideas with an experienced group of peers in markets around the country.

· Accounting – P&L, A/P, Payroll, Benefits, etc. – all handled by corporate.

· In house IT department provides technology support

· Excellent benefits

o Blue Cross Blue Shield –HSA/PPO

o Basic Term life Insurance

o Accidental death and dismemberment Insurance (AD&D)

o Long Term Disability

o Employee paid health Insurance

o Employee assistance Program

o Dependant Health Insurance

o Dental- Preventive, Basic and Major services

o Vision- Examinations, lenses and Glasses

o Flexible Spending account with both Health care and Dependant Daycare

o 401k- Company match

· Envoy Values:

o Put people first

o Commit to excellence

o Create innovative change

o Work with passion

o Always do the right thing

To learn more please visit Envoy’s website at www.envoymortgage.com