Embrace Opportunity


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Embrace Opportunity

  1. 1. Embrace Home Loans
  2. 2. embrace success For over 28 years , Embrace Home Loans has been a trusted leader in the mortgage industry. Headquartered in scenic Newport, Rhode Island, with 17 retail branch offices nationwide, Embrace currently employs 600 people doing business across 46 states. We know that success in the 21st century requires incomparable customer service and exceptional products. That differentiation in a competitive marketplace demands the ability to leverage technology, and utilize innovative marketing techniques. But at Embrace Home Loans we realize that to be truly successful, to really stand out, requires an investment in our most valuable resource, our people. Embrace maintains an atmosphere where employee appreciation, growth and accountability are its core values. In these turbulent times, these values have allowed us not only to survive, but to flourish.
  3. 3. <ul><li>To be a leader in: </li></ul><ul><ul><li>Honoring customer experience </li></ul></ul><ul><ul><li>Supporting professional and personal development of each other </li></ul></ul><ul><ul><li>Utilizing corporate resources to help our neighbors </li></ul></ul><ul><ul><li>Financial performance for our industry </li></ul></ul><ul><li>Embrace Home Loans’ management team averages over 18 years of experience at the company. The management team’s tenure illustrates both an impressive commitment to the company, as well as to each other. Over the years, this group has confronted and excelled in a myriad of interest rate, housing, regulatory and product environments. The company’s growth is attributed to our vision and values. </li></ul>embrace vision
  4. 4. <ul><ul><li>Honoring all customers as our guests </li></ul></ul><ul><ul><li>Invest in the professional and personal development of each other </li></ul></ul><ul><ul><li>Operate as a family that cares and is generous toward our neighbors </li></ul></ul><ul><ul><li>Practicing the highest ethical conduct </li></ul></ul><ul><ul><li>Doing what’s best for Embrace Home Loans today and tomorrow </li></ul></ul><ul><ul><li>Being eager to learn and open to coaching </li></ul></ul><ul><ul><li>Encouraging and rewarding initiative, both large and small </li></ul></ul><ul><ul><li>Constant and never-ending improvement </li></ul></ul><ul><ul><li>Protecting the downside </li></ul></ul><ul><ul><li>Sharing knowledge and invoking responsibility </li></ul></ul><ul><ul><li>Sharing the wealth </li></ul></ul>embrace core values
  5. 5. Embrace is committed to the communities where employees and customers reside. A significant portion of pre-tax profits is distributed to charity each month. Over the past 5 years we have donated more than $13.5 million to charitable causes. Embrace matches 100% of eligible employee charitable donations of $25 or more, up to $2,500 per calendar year, and employees are encouraged to take up to 100 paid hours off to volunteer for a charitable organization. Embrace matches each volunteer hour with a $10 donation to the qualified charitable organization. embrace community
  6. 6. embrace financial strength <ul><li>Embrace Home Loans’ financial position is strong. While we have regularly reinvested to strengthen our infrastructure, continued profitability and disciplined cost-management practices have preserved capital, and created a solid cash foundation. And although the current economic environment finds many in our industry cash-starved and suffering weakened balance sheets, our positions are at historically high levels. As a result, Embrace has maintained committed banking and financing relationships, affording us competitive advantages in the marketplace. </li></ul><ul><li>Through concentrated training and effective process recalibration, Embrace can adapt quickly and profitably to shifts in investor and consumer demand. This is best illustrated by Embrace’s stability during the collapse of the sub prime market. During the past 3 years, Embrace virtually maintained its’ overall production volume, making 2010 our 11th profitable year in a row. </li></ul>
  7. 7. embrace benefits Our value-driven corporate culture promotes professional development, open-book management, and philanthropy among employees. We believe in celebrating our employees in the same way we honor our customers. Embrace is pleased to offer an array of benefits designed to meet the needs of our employees and their families. Employees can take advantage of programs providing health care, disability and survivor protection, work/life referral services, saving opportunities, retirement income, time off, and more. Medical Coverage Dental Coverage Flexible Spending Plan 401K Plan & Generous Match Long-Term Disability Group Term & Voluntary Life Insurance Life Insurance Employee Assistance Program Short Term Disability Adoption Assistance Work/Life Solutions Paid Time Off & Illness Days Paid Holidays Volunteer Program Matching Gifts Program Marketing Dollars Earned
  8. 8. embrace experience <ul><li>The benefit of working with a company that has been in business for more than 28 years: </li></ul><ul><ul><li>Access to competitive rates </li></ul></ul><ul><ul><li>Advanced technology keeping everyone informed 24/7 </li></ul></ul><ul><ul><li>Customer service that earns us an A+ rating with the Better Business Bureau </li></ul></ul><ul><ul><li>Loan application processing in the branch </li></ul></ul><ul><ul><li>One of the industry’s fastest average closing times—as little as 21 days </li></ul></ul>
  9. 9. <ul><li>Products </li></ul><ul><li>In 2010, Embrace originated more than $2.8 billion in loans, as a result of an aggressive growth strategy. We are an approved Seller/Servicer for both Fannie Mae and Freddie Mac, HUD and Ginnie Mae approved, and is an active member in the Mortgage Bankers Association (MBA), the Direct Marketing Association (DMA), and the FNMA Regional Advisory Council. In 2010 Embrace ranked #13 in the list of top FHA Lenders. </li></ul><ul><li>Loan Officer Licensing </li></ul><ul><li>Our three full-time licensing support staff members work closely with new hires to identify and address individual needs, by ensuring that application paperwork is accurate and new hires are well prepared for each licensing exam. Additional assistance includes: </li></ul><ul><ul><li>Providing study materials </li></ul></ul><ul><ul><li>Scheduling tests </li></ul></ul><ul><ul><li>Email notification of updates to licensing requirements </li></ul></ul><ul><ul><li>Continuing educational instruction and assistance with renewals </li></ul></ul>embrace expertise
  10. 10. embrace expertise (continued) <ul><li>Retail Marketing </li></ul><ul><li>Our in house Creative Services team includes copywriting and graphic design in support of a growing portfolio of strong branded materials. </li></ul><ul><ul><li>Online promotional item and collateral material ordering system </li></ul></ul><ul><ul><li>Cobranded marketing materials </li></ul></ul><ul><ul><li>Rapid turnaround </li></ul></ul><ul><ul><li>Full support of individualized web pages </li></ul></ul><ul><ul><li>Social media marketing support </li></ul></ul><ul><ul><li>Onsite trade show support </li></ul></ul><ul><li>Technology & Service </li></ul><ul><ul><li>24/7 access </li></ul></ul><ul><ul><li>Apply online </li></ul></ul><ul><ul><li>Real-time web based updates for borrower status </li></ul></ul>
  11. 11. embrace online embrace online www.embracehomeloans.com www.embracecareers.com embrace social media Become a Fan on Facebook at www.facebook.com/embracehomeloans Follow us on Twitter at www.twitter.com/embracehomeloan Check out our linkedin profile at www.linkedin.com/companies/712074 Subscribe to us on You Tube at www.youtube.com/user/EmbraceHomeLoans In 2009, 2008, 2007, 2005 & 2004, Embrace was selected as one of the “50 Best Small & Medium Companies to Work for in America”, (by the Society of Human Resource Management and The Great Place to Work Institute). Embrace maintains an atmosphere where employee appreciation, personal growth and accountability are its core values.
  12. 12. Contact me Embrace Home Loans 17577 Nassau Commons Blvd Suite 201 Lewes, DE 19958 800.333.3004 Apply online at: jbarbato.embracehomeloans.com John L. Barbato – Branch Manager Green Lending & Renovation Loan Specialist x.3130 [email_address] 302.632.2500: cell Josh Huss – Loan Officer Assistant x.3141 [email_address] 302.245.5908: cell