The document discusses the support, resources, and culture that Direct Mortgage Loans (DML) provides to its loan officers. It outlines key aspects of DML including its commitment to fast turn times, scalable technology, competitive compensation plans, engaged executive leadership, and focus on customer experience. DML also offers training, marketing support, diverse loan products, and a suite of technology tools to help loan officers succeed.

1. REALIZE
YOUR
FUTURE
®

2. More Than Just Words…
MISSION VISION
VALUES

3.  Support for high loan volumes and fast turn times
 Scalable technologies and systems
 Compensation
 Engaged executive management
 Culture
 Lender reputation
 Competitive rates and pricing
 Diverse loan products
 Training and mentorship
 Marketing support
Table of Contents

4. Support for High Volume and
Fast Turn Times
 We appreciate how hard relationships are to create and how fragile they can be. Close often and on time
 Loan Officers are the heart beat of a mortgage company
 Encompass rated DML as #22 of all lenders using Encompass for fastest turn time application to close
 Customer experience is at the forefront of everything we do
 Overstaffed for growth. We are geared up for expansion and can handle 3X our volume
 Full time recruiting department to proactively support growth staffing needs
 We believe in support team units. As we add sales, we also look to add the teams behind them.
 Support is a Culture and in order to perform at your highest level, you need to be able trust the people behind
you.
 DML was founded by 3 loan officers

5. Principles of
the DML Ops
Department
ON-TIME CLOSINGS
FAST TURN TIMES
TRAINING
ACCOUNTABILITY
CUSTOMER EXPERIENCE
EFFICIENCY
ALLOW SALES TO SELL

6. Operations Team and Underwriters
are on call
to assist with:
We’re There When You Need It
 Scenario Help Desk
 Guideline Clarifications
 AllRegs Investor Guideline
Portal
 Complex Pricing Scenarios
 Niche Product Training and
Support
 Branch Liaison

7. Technology
and Systems
Geared for
Growth

8. Technology & Systems
 Replacing cumbersome manual processes with automated, digital
solutions maximizes efficiency
 Encompass Hall of Fame Winner
 Cutting edge technology and equipment removes roadblocks to your
success
 Integrated plug ins between all systems
 More tools in your tool belt (see following page)
 Team of developers on staff to implement better solutions and staff
ideas
 Technology Committee

9. Technology & Systems
 Technology is vital for our
company to accept and
process loans in a timely
manner.
 DML has researched and
invested in the highest-
performing technology
tools and systems available
to our industry.
Remote Desktop
/ VPN
Motivity Personalized
Web Site
Mobile App

10.  Additional technology and systems
include:
 File sharing and document upload
 E-Sign
 Real time milestone notifications,
alerts and reminders
 State of the art VOIP phone
with virtual assistant
 Video Conferencing
 Customized online application
 Optimal Blue Insight
 Encompass Mobile App
 Mortgage Mapp
 Encompass LO Connect
 Encompass Consumer Connect
Technology & Systems

11. Compensation
 Loan officer, sales manager, retail branch and P&L compensation
structures highlight:
 Elevated commission structure through the transition period
 Guarantee during ramp up
 Competitive and aggressive flat tier
 Performance bonus
 Aggressive compensation offers to keep your team intact
 Production-based expense and marketing budget
 Recruiting Bonus -- lifetime

12. Benefits
COMPETITIVE
BENEFITS
PACKAGES
FLEXIBLE
OPTIONS

13. Dedicated Leadership Team
 Our Executive Leadership Team and Partners are actively engaged and
understand the importance of their involvement and accessibility
 We believe in hiring people that are better than we are or bring something to
the table that we don’t have
 Effective leadership utilizes a collaborative approach in accomplishing mutually
beneficial goals
 Employee committees help to shape our strategies for growth, customer
experience, innovation and culture

14. Mary DiMascio
Director of Business
Operations
mdimascio@directmortgageloans.com
Chris Naylor
Sales Manager
cnaylor@directmortgageloans.com
Erin Naylor, ESQ.
Compliance Officer
emnaylor@directmortgageloans.com
Stephanie Henkelman,
CPA
Controller
shenkelman@directmortgageloans.com
Jaki Fanelli
Operations Manager
jfanelli@directmortgageloans.com
Rebecca Perry
Human Resources
rperry@directmortgageloans.com
Ashley Mills
Sales
amills@directmortgageloans.com
Mike Naylor
Business Development
mnaylor@directmortgageloans.com
Executive Leadership Team

15. Team Focus
Innovation
Customer
Experience
Growth
Community
Outreach
Executive Leadership Team
dedicated to…
Open-door policy and monthly forums to generate new
ideas and communicate on-going progress.

16. A Proud Sponsor of the
Baltimore Orioles

17. Social Culture @ DML

18. Community Outreach
Involvement

19. Rewards and Recognition
Top producers and difference makers
are rewarded with monthly and
quarterly recognition and rewards.
REWARDING
PERFORMANCE
EXCELLENCE

20. Industry Recognition
Pictured: Earvin “Magic” Johnson recognizes
a DML employee at an Ellie Mae Event.
2016

21. Team Testimonials
“Since my first experiences with DML, I’ve been very impressed by the
support and culture that the company offers… The on-boarding process
has been thorough, and I truly feel like part of the team. I left a
company I was very happy with to come here, and it’s because I knew
I’d be even happier and more successful as part of DML. I’m very
happy with my decision and would recommend the company to
anyone!” –-Tom Latta, Loan Officer
“DML is a family. The owners at DML are invested in assisting their
employees to reach their goals. DML cares about their employees and
wants each of us to maximize our full potential.” --Amy Wolff, Branch
Manager

22. Rates &
Pricing
 BUSINESS INTELLIGENCE TO ANALYZE
DAILY PRICING FOR ALL LOAN TYPES AND
SCENARIOS
 IDENTIFY PROFITABLE NEW MARKETS
 BENCHMARK RETAIL PRICING AGAINST
PEERS AT THE LOCAL MARKET LEVEL
 ABILITY TO CREATE UNLIMITED LOAN
SCENARIOS

23.  In house processing,
underwriting, closing and
secondary
 Vast and diverse investor
relationships allow for multiple
take outs virtually eliminating
overlays
Independent Mortgage Bank

24. Loan Programs

25. Suite of Products
LOAN PRODUCTS
FOR ANY SITUATION
Our diverse suite of
loan products allows
you to better serve
your clients and
industry partners.
Conventional Loan
FHA/VA
USDA
2nd Mortgage
80-15 Combo
Renovation
Construction
to Perm
Jumbo

26. Geographic Footprint
Licensed in 20 States
 Alabama
 California
 Colorado
 Delaware
 District of Columbia
 Florida
 Georgia
 Illinois
 Indiana
 Louisiana
 Maryland
 Mississippi
 New Jersey
 North Carolina
 Ohio
 Pennsylvania
 South Carolina
 Texas
 Virginia
 West Virginia

27. Managers Provide
Dedicated
Coaching and
Mentoring
Mentoring and Coaching
 Individually designed training
and coaching based on your
needs and goals
 Content is drawn from our
personal experience growing
our company and helping our
loan officers and branch
managers achieve their
personal and professional
goals
 Leverage and work-life balance
are the key areas of focus

28. YOUR
INDIVIDUALIZED
ONBOARDING
SUPPORT TEAM
LET OUR TEAM HANDLE THE
TRANSITION SO YOU CAN
KEEP DOING WHAT YOU DO
BEST!
 Database transfer for marketing
 Licensing transition
 Business cards & announcement
 Personalized LO website
 Facilitate introduction to all
systems and onboarding training
 Continued support through your
first 90 days and beyond
Transition Support

29. Client Retention
 All clients receive an online
survey and a follow-up
immediately after settlement
 Survey results are used to
constantly improve our
customer’s experience
 Customer feedback is
provided to the branch
manager or loan officer

30. Customer Experience
 At DML, the Customer Experience is the most important consideration.
We seek to develop lifelong relationships with each client. To this end,
every effort is made to streamline the process. We also measure our
performance by soliciting feedback throughout the transaction.
 Our satisfaction rating is greater than 94%, which demonstrates our
commitment to Excellence.
 DML delivers prompt, personal service that enhances the home-buying
experience. We provide real-time updates that allow us to keep the
Customer updated every step of the way. The entire loan process, from
application to closing is managed in-house – resulting in a shorter loan
process. Every employee of our company has direct access to all
processors and underwriters.

31.  Team Branding
 Extensive professionally designed marketing menu
 Digital advertising & social media
 Event support
 Open House tools
 Branded promo items
 Postcards & flyers
Marketing Support
PROVIDING A VARIETY OF
SERVICES AND TOOLS
FULL-SERVICE
IN-HOUSE
MARKETING
TEAM
Leverage our marketing systems so you can
focus on what you do best: closing loans!

32. Relationship Marketing
 The Business Development and Relationship Management Team is
tasked with developing new industry opportunities and connecting our
loan officers with mutually beneficial relationships.
 Our recruiting group identifies and screens top talent to facilitate the
growth of your team.
 The driving principle in our Business Development blueprint is to
transform business opportunities to lifelong relationships.
quote from michelle jacinto:
asked if she thought she would be closing so many loans within a year of joining DML, she replied,
“i didn’t think it would be this easy to close 30 loans a month when i came here!”

33. Comprehensive
Social Media
Presence
 Our Social Media team
will help expand your
online presence and
keep you in the
conversation
 Use your Personal DML
Facebook page to
directly engage your
clients and prospects

34. Your Opportunity Awaits
 We are prepared to:
 handle your volume,
 enhance your customer’s experience,
 provide you with the tools and resources
you need to succeed,
 share our culture that encourages
collaboration, growth with a solution
focused positive attitude
If you like what you’ve heard, let’s have a
conversation.