Embrace Home Loans

Embrace Home Loans
Retail Lending Platform

contents
Success Technology
Leadership Incentive
Vision & Values Benefits
Community Comfort
Financial Testimonials
Experience Locations
Products Branch Managers
Licensing 2012 Additions
Personal Growth Online
Marketing

This recruitment package is neither a legal compensation document not an
agreement for employment. If there are any conflicts between the information
presented here and other internal documents, the internal documents will govern.
Embrace reserves the right to change or terminate compensation, benefit plans, and
contests at its discretion.

embrace success
For over 30 years, Embrace Home Loans has been a trusted leader in the mortgage
industry. Headquartered in scenic Newport, Rhode Island, with 18 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.

Rhode Island

careers.embracehomeloans.com

embrace leadership
Cary Reines, Retail Sales Director – Since 2009, Cary Reines has successfully lead
the Embrace Home Loans retail division; overseeing sales and origination activities of
the platform. Spanning over 20 offices along the East Coast and Mid-Atlantic Regions,
Reines’ platform contains roughly 190 mortgage professionals. Reines enjoys investing
in the company’s greatest asset, its people, and this has attributed to the success and
growth of the platform. His “hands on” management approach provides the tools
necessary to cultivate managers into knowledgeable leaders as well as great
coaches. This methodology of “giving-first” has rendered a 98% positive customer
referral rating as well as an increase of 40% in closed volume over the last three years.

Kenny Kasnett, Executive Vice President – Kenny Kasnett has been instrumental
with the growth initiative and continual development of our retail platform by opening
several new retail offices within the last two years. His experience and networking
acumen partnered with Embrace’s core values, many strengths, and commitment to
sustained growth has positioned the platform for rapid expansion. Kasnett prides himself
on his ability to identify individuals that aspire to shape the mortgage industry and in
particular Embrace’s retail platform.


embrace vision & values
To be a leader in…
Providing an honoring customer experience
The professional and personal development of each other
Utilizing corporate resources to help our neighbor
Financial performance of our industry

Honor all customers as our guests
Invest in the professional and personal development of each other
Operating Embrace as a family that cares, and is generous toward our neighbor
Practicing the highest ethical conduct
Doing what’s best for Embrace, today & tomorrow
Be eager to learn and open to coaching
Encouraging and rewarding initiative, both large and small
Constant and never-ending improvement
Protecting the downside
Sharing knowledge and invoking responsibility
Sharing the wealth


embrace community
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 $15 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.

Here is a brief list of charities we donated to over
the course of last year:
Cool Kids Campaign
Hurricane Sandy Relief Foundation
Families of Newtown, CT
St. Ann’s Infant and Maternity Home
The Treatment and Learning Center
Child Advocacy Center
Wounded Warriors Foundation
EquiKids


embrace financial strength
Embrace Home Loans’ financial
position is strong. We regularly
reinvest to strengthen our
infrastructure, exercise
disciplined cost-management
practices, and created a solid
cash foundation. Our
committed banking and
financing relationships allow us
competitive advantages in the
marketplace.
We have the ability to adapt
quickly to shifts in investor and
consumer demand. During the
past 5 years, Embrace virtually
maintained its’ overall
production volume, making
2012 our 13th profitable year in
a row, a truly remarkable
accomplishment in our industry.

Figures above in billions

embrace experience
The benefit of working with a company that has been in business for more than 28 years:
• Access to competitive rates
• Advanced technology keeping everyone informed 24/7
• Customer service that earns us an A+ rating with the Better Business Bureau
• Loan application processing in the branch
• One of the industry’s fastest average closing times—as little as 14 days


embrace products
In 2012, Embrace originated more than $3.7 billion in loans, as a result of an aggressive growth
strategy. We are approved Seller/Servicer for both Fannie Mae and Freddie Mac, HUD and Ginnie Mae
approved, and an active member in the Mortgage Bankers Association (MBA), the Direct Marketing
Association (DMA), and the FNMA Regional Advisory Council. In 2012 Embrace ranked #9 in the list of
top FHA Lenders.

Overview
Licensed in 46 states nationwide
98% positive customer referral rating
Loans close in as little as 14 days
All loans approved in-house

Conforming Libor 3/1 caps 2-2-6 Conforming Libor 5/1 caps 5-2-5
Conforming Libor 7/1 caps 5-2-5 Conforming Fixed (10/15/20/25/ or 30yrs)
Conforming Refi Plus Expanded Approval Refi
FHA Fixed FHA Streamline Fixed
HomePath® FHA 203(k) Streamline Loan
FNMA Expanded Level 1 Freddie Mac A-
Jumbo Libor 10/1 Jumbo Libor 3/1
Jumbo Libor 5/1 Jumbo Libor 7/1
Jumbo Fixed VA Fixed
VA IRRL USDA


embrace licensing
Our licensing department will 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:

• Step by step direction for those without NMLS number
• Providing study materials for exams
• Scheduling tests
• Email notification of updates to licensing requirements
• Continuing educational instruction and assistance with renewals


embrace personal/professional growth
As part of our corporate vision to Invest in the professional and personal development of each
other, Embrace has team of people that provides sales coaching and continuous training.
Each employee has access to our internal University for continued education.


embrace marketing
Our in-house Creative Services team includes copywriting and graphic design in support of a
growing portfolio of strong branded materials.
• Online promotional item and collateral material ordering system
• Co-branded marketing materials
• Rapid turnaround on requests
• Social media marketing support
• Onsite trade show support
• Personalized bio page, announcements, and PR
• Earned marketing dollars


embrace technology
• Real-time web based updates for borrower status
• 24/7 access to Loan Origination System
• Apply online via long application on dedicated Loan Officer bio page
• Loan status updates via email notification
• Access to email anywhere via remote web access and cellular phone
• Price and place your loan with daily rate sheet and lock through Empower
• Extensive Intranet for access to internal company information

Personalized Customer website
with document downloads


embrace incentive
• Attractive commission plan
• Aggressive start-up packages for both Branch Manager’s and Loan Officer’s
• Standard bi-weekly draw for Loan Officers

Miscellaneous Incentives (rules apply for programs below):
• Start-up Commission
• President’s Club
• Loan Officer Referral Program
• Quarterly & Annual Sales Bonus Program
• Opportunity to earn marketing dollars for Loan Officer’s
• Branch Marketing budget for Branch Managers


embrace benefits
•Medical Coverage •Group Term Life
• (Blue Cross/Blue Shield) •Optional Life Insurance
•Dental Coverage •401(k) Retirement Plan
• (Delta Dental) •Stock Appreciation Rights Plan
•Flexible Benefits Plan •Employee Assistance
•Short & Long Term Disability •Work/Life Solutions
•Adoption Assistance •Paid Time Off
•Matching Gifts •Paid Holidays
•Volunteer Program •Fitness Reimbursement
•Marketing Dollars Earned •Teammate Referral Program


embrace comfort
Your comfort is our priority! In an effort to make our company a more enjoyable and
comfortable place to work, Embrace has adopted a Business Casual Dress policy. This
means that you may wear casual business wear each day of the week. Business Casual
Dress means clothing that is appropriate for an office environment. It is a way to be free of
the constraints of regular business attire, such as neck ties, suits, dresses and high heels,
while still looking neat and professional.


testimonial
“Cary hired me in August 2009 from a company that I had worked with for ten
years. I never had any intentions on leaving my former company, however, Cary
presented a work environment that was too hard to pass up. I have never
worked with a more genuine group of people and I have Cary to thank for
bringing me aboard. The company is much more than I ever dreamed of and
Cary is very responsible for the environment we have here. He truly leads by
example and walks the walk.”
Mike Easterly, Branch Manager, Embrace Home Loans

“Cary has been a tremendous help in the many challenges that continue to
mold our industry”
Joe Beacher, Vice President/Branch Manager, Embrace Home Loans


testimonial
“Some people just strive to make a difference – that’s Kenny; whether it’s a
difference for you, your life, or your business. Kenny is not only a diligent and
astute business person with proven results – that’s a given. Kenny is deeper; he
cares about the people within the business, which is rare territory in business
and especially the lending business. Regardless of the business relationship;
whether customer, supplier, associate, supervisor, I would recommend Kenny
Kasnett. I know I’m not the only one, as Kenny is surrounded by long-time loyal
colleagues -which again, is a rarity in the industry.”
David Ratti, Branch Manager, Embrace Home Loans

“Working with Kenny for the last 10 years his given me the privilege of highly
recommending him. I can personally attest to his strong character, extensive
knowledge, and warm heart. Kenny is a leader in the mortgage industry, and I
am proud to be on his team. I look forward to many years to come with Kenny
as his recruiting efforts are applied to the growth of Embrace Home Loans.”
Tim Higgins, Branch Manager/Vice President, Embrace Home Loans


embrace locations
Retail Offices Desk Rentals
•Lewes, DE •Annapolis, MD
•Wilmington, DE •Ellicott City, MD
•Atlanta, GA •Blacksburg, VA
•Maitland, FL •Dublin, VA
•Tampa, FL •Roanoke, VA
•Louisville, KY •Wilmington, DE
•Annapolis, MD
•Bethesda, MD
•Frederick, MD
•La Plata, MD
•Rockville, MD
•Sandy Spring, MD
•Timonium, MD
•St. Louis, MO
•Bedminster, NJ*
•Culpeper, VA
•Fairfax, VA
•Lynchburg, VA
•Salem, VA

* Indicates opening soon
careers.embracehomeloans.com Embrace lends in 46 states

retail managers

Cary Reines - EVP Kenny Kasnett - EVP Jenn Murphy - AVP John Barbato Joseph Beacher Jeff Kaune
Branch Manager VP/Branch Manager Branch Manager
Lewes, DE Wilmington, DE Saint Louis, MO

Jane Williams Tim Higgins Gil Lunsford Carol Coleman Mike Easterly Billy Woolridge
VP/Branch Manager VP/Branch Manager VP/Branch Manager Branch Manager Branch Manager Branch Manager
Annapolis, MD Rockville, MD Fairfax, VA Culpeper, VA Salem, VA Lynchburg, VA


retail managers

David Ratti Frank Nesbit Vance McGhee Greg Peele
Branch Manager Branch Manager Branch Manager VP/Branch Manager
Timonium, MD La Plata, MD Atlanta, GA Maitland, FL

Photo(s) Missing:
Catherine Mauldin
Retail Administration Assistant

Dan Glaskey
Branch Manager, Bedminster NJ

Tom Trott Jr.
Branch Manager, Frederick MD


2012 embrace additions
Quin Bernhardt - joined the Embrace Home Loans family as the
Branch Manager of our Louisville, KY retail branch. He has been
in the mortgage/ finance business as a Sales Manager for years;
working for Fifth Third Bank, PHH Mortgage and Stonegate
Mortgage. Quin has received recognition for being a perennial top
producer from each of his past employers as well as from the
Mortgage Bankers Association. He is currently serving as
President of Metro Louisville Networking and was the past
President of Mortgage Bankers Association of Louisville.

Marcos Sanchez - joined the Embrace Home Loans family with
nearly 20 years of experience in the mortgage banking industry.
Prior to joining Embrace, Marcos managed a branch for Corridor
Mortgage Group with 7 Loan Officers. In 2010 & 2011, his office
ranked # 2 in production companywide with loan production
exceeding $7 million per month on average. In addition to his
Branch Manager duties, Marcos averages more than $15 million
per year of personal production. Marcos also worked for Access
National Mortgage as an area manager for close to 5 years, RBC
Mortgage as a partner in the Mid Atlantic Division for 7 years, and
Harbor Financial Mortgage Corporation as the Secondary
Marketing Manager for nearly 5 years.

2012 embrace additions
Tony Scardelletti- joined the Embrace Home Loans family as a
Branch Manager for our Bethesda Maryland location. Being in the
business for over 16 years has allowed Tony to become an expert
in his field. Prior to Embrace, Anthony was a partner at
Washington Capitol Financial Corporation as well as the owner of
his mortgage company. He is an active member of the Maryland
Mortgage Brokers Association.

embrace online
embrace online
www.embracehomeloans.com

embrace social media
Become a Fan on Facebook at www.facebook.com/embracehomeloans
Follow us on Twitter at www.twitter.com/embraceretail
Check out our LinkedIn profile at www.linkedin.com/companies/712074
Subscribe to us on YouTube at www.youtube.com/user/EmbraceHomeLoans
Read our blog at http://embracecary.wordpress.com/

Embrace Home Loans

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