2. Who We Are
• A privately held mortgage banking firm founded in
1989
• More than 600 employees from coast to coast
• Three distinct business channels: Retail, Wholesale
and Consumer Direct
3. What We Do
• Funded $2.32 billion in 2011
• Issued more than $2 billion in FNMA and GNMA
securities
– Creates a natural business hedge for the cyclical
nature of the industry
– Goal over the next 12 months is 60-70% retained
servicing
• Raised more than $30 million in capital to pursue
increased market share
• Maintains warehouse line capacity in excess of $300
million
4. Senior Management
Peter Norden Rick Floyd
Chief Executive Officer Executive Vice President
Joel Katz Douglas Rotella
President Executive Vice President
Retail Sales
Joseph Sheridan
Chief Operating Officer
Grace Currid
Chief Credit Officer
5. Southeast Region Leaders
Greg Janicki Brian Poling
Southeast Regional Manager Area Manager, Florida
Cell: 404-217-7886 Cell: 352-874-7580
E-mail: gjanicki@remn.com E-mail: bpoling@remn.com
Angie Gora Chris Wasinger
Area Manager, Georgia Area Manager, Florida
Cell: 404-392-4241 Cell: 407-230-3771
E-mail: agora@remn.com E-mail: cwasinger@remn.com
Todd Greak
Area Manager, Georgia
Cell: 770-652-7459
E-mail: tgreak@remn.com
6. Licensing
WA
ME
MN
OR VT
WI NH
NY MA
CA MI RI
IA PA CT
NJ
IL IN OH DE
UT
CO WV DC
KS MO VA MD
KY
TN NC
OK
NM AR SC
MS GA
AL
LA
TX
License Approved FL
License Pending
7. REMN Product Line
Traditional Products: Niche Products:
• Conventional • In-house FHA 203(k) with
• FHA Concierge Service
• VA • Interest Only
• Fixed and Adjustable Rates • Low to Moderate Programs
• Jumbo and Super Jumbo • Bi-Weekly
• Reverse Mortgage • FNMA HomePath
• USDA Financing • REMN Home Fixer
• Second Home or • Construction to Perm
Investment Properties • Energy Efficient Mortgage
• Foreign Nationals
• Non-Warrantable Condos
• Commercial Loans
8. Secondary Marketing
• Encompass – Single-tier LOS platform with real-time
access to loan files for
Originators, Processors, Underwriters and Closers
• Loan Decisions – “On Demand” product eligibility and
best execution loan pricing
• Weekly “Capital Market Update” e-mails
• Weekly “Did You Know?” product tip e-mails
• Immediate notification as market conditions improve or
worsen
• Open-Door Policy – Call or e-mail any time to discuss
scenarios or ask questions
9. Operations
• Processing, underwriting and closing on a regional level
(most branches have on-site processing)
• “Certified Processor” program expedites the closing
process by streamlining the clearing of underwriting
conditions
• Dedicated to supporting sales by providing a customer
service experience that is second to none
• Regional underwriting helpdesks to discuss scenarios
and best options
10. Marketing
• New Loan Originator set up, including Web site,
announcement cards and start up marketing credit
• Library of customizable brochures, flyers and
advertisements
• Loan comparison listing sheets for agent contacts
• Access to the Media Center, an automated marketing
and database management system
• Mobile marketing and social media campaigns
• Custom work and one-on-one marketing consultations
11. Training
• Two-day orientation course for all new employees
• Continuing education classes, seminars, collaborative
meetings and e-learning courses
• Branch visits from regional trainers
• One-on-one training as needed
• Weekly e-mail reminders of upcoming training events
12. Technology
• Single software LOS platform for
originating, processing, underwriting, closing and
delivery
• E-mail packages for closings
• Individual secure eFax number
• Lock-in online
• Helpdesk support via phone, e-mail or Web
• 24-hour access to loan documents through REMN's
Web-based paperless system
• Centralized access to key information from all REMN
departments on SharePoint
13. REMN All-Star Team
All-Star Team – Top 10% of sales force in volume and units
receives a luxurious trip to the Boca Raton Resort
14. Customer Satisfaction
• All REMN customers, selling agents and listing
agents have the opportunity to rate their
experience by completing a phone or e-mail
survey the week after closing
• Monthly and quarterly report cards are built for
branches, regions and all of REMN
• Quarterly report cards are built for Loan
Originators
15. Human Resources
• Medical coverage provided by Oxford Health Plans
• Vision Coverage by Davis Vision
• Dental coverage provided by Cigna
• Life Insurance, Accidental Death and Dismemberment
provided by Cigna
• Flexible Spending Account and Dependent Care Account
• Voluntary Long Term Disability provided by Cigna
• Personal Short Term Disability, Cancer Plan, Accident
Plan and Additional Life Insurance provided by Aflac
• 401(k) provided by ING with company match
• Online enrollment for all benefits
