Ahl Value Proposition

1,078 views

Published on

Direct Lending Branch Opportunity

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
1,078
On SlideShare
0
From Embeds
0
Number of Embeds
2
Actions
Shares
0
Downloads
0
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Ahl Value Proposition

  1. 1. Branch affiliate lending Branching Made Easy CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  2. 2. The AHL Difference <ul><li>Seasoned and Experienced Mortgage Bankers </li></ul><ul><li>Proven State-of-the-Art Technology (AUS/POS/LOS/PE/Electronic Doc Mgmt.) </li></ul><ul><li>Dedicated Staff Assigned to Your Branch </li></ul><ul><li>BOOM! Marketing </li></ul><ul><li>ARG Interactive JV Partnership </li></ul><ul><li>Ongoing Training and Recruiting Support </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  3. 3. Move with a Leader <ul><li>AHL Does Not Carry Legacy Issues </li></ul><ul><li>Strong Investor/Warehouse Relations </li></ul><ul><li>Cutting Edge Technology (P.U.L.S.E., BOOM!, ARG Interactive, CRM) </li></ul><ul><li>Autonomy to Recruit and Grow Your Business </li></ul><ul><li>Calculated Branch Market Saturation </li></ul><ul><li>GOAL: Obtain Direct FNMA/FRE/GNMA Seller/ Servicer Designation </li></ul><ul><li>Multi-State Lending </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  4. 4. Direct Lender vs. Wholesale Broker <ul><li>Eliminate Waiting Period for Appraisal Order with Edocs vs. 4 th Day Appraisal Order </li></ul><ul><li>As a Lender Servicing Released Premiums are Realized </li></ul><ul><li>Earn up to 5% </li></ul><ul><li>Speed up Loan Funding (Trending 8-10 days) </li></ul><ul><li>You are Now the Bank </li></ul><ul><li>Access to YOUR Underwriters for Loan Decisions </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  5. 5. Reg Z. New Compensation Rules <ul><li>Originator Compensation Must Be Consistent Across All Loan Programs </li></ul><ul><li>Originator Compensation-Salary, Flat Fee, Or Basis Points of Aggregate Volume </li></ul><ul><li>Originators May Not Be Compensated in Any Way on the Terms of the Loan </li></ul><ul><li>Originator (Broker) Cannot Be Compensated By Both the Borrower and Lender </li></ul><ul><li>Safe Harbor Requires That Borrowers Be Presented With Three Financing Options </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  6. 6. Wholesale Broker <ul><li>Must Choose at the Time of Submission Either “Borrower” or “Lender Paid” Compensation </li></ul><ul><li>“ Borrower Paid” Prevents Broker from Receiving any “Lender Paid” Compensation (i.e. Rebate) </li></ul><ul><li>“ Lender Paid” Prevent Broker from Receiving any Origination or Processing Fees </li></ul><ul><li>Little or no Flexibility on Originator Compensation </li></ul><ul><li>“ Lender Paid” Comp. is Locked for all Products for a Designated Time (30-90 days) </li></ul><ul><li>Broker Cannot Reduce “Lender Paid” to Compete </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  7. 7. Wholesale Broker Cont. <ul><li>Safe Harbor Requires Borrower is Presented with Three Different Lender Programs </li></ul><ul><li>Broker Cannot Receive Extra Premium </li></ul><ul><ul><li>Example: </li></ul></ul><ul><ul><li>Broker Contracts for 1.5% ‘Lender Paid’ Compensation </li></ul></ul><ul><ul><li>Rate of 5% Executes at 1.75% at Time of Lock </li></ul></ul><ul><ul><li>Additional .25% Can Only Be Credited to Borrower </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  8. 8. Direct Lender- All Home Lending <ul><li>All Compensation is Employer Paid </li></ul><ul><li>Price is Undisclosed-Secondary Market Function of Servicing Released Premium (SRP) </li></ul><ul><li>Origination and Processing Fees Allowed </li></ul><ul><li>Originator Presents AHL Programs Only </li></ul><ul><li>Multiple Originator Comp Plans Help Retain & Attract Sales Professionals </li></ul><ul><ul><li>Originator Selected Compensation </li></ul></ul><ul><ul><li>Tiered or Graduated Compensation </li></ul></ul><ul><ul><li>QLP-Quality Loan Performance </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  9. 9. Direct Lender- All Home Lending Continued <ul><li>Internal Pricing May Have Differing Margins By Product Type </li></ul><ul><li>Additional SRP May Be Retained- “Overage” </li></ul><ul><ul><li>Example: </li></ul></ul><ul><ul><li>Branch Margin is 1.5% </li></ul></ul><ul><ul><li>Price at Time of Lock is 1.75% </li></ul></ul><ul><ul><li>Additional .25% Applies to Branch P&L </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  10. 10. Proforma-Banker vs. Broker CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC All Home Lending-Branch Affiliate Gross Revenue Proforma Avg. Loan: $250,000.00 Avg. Units: 25 Processing: $695.00 Product Units Volume SRP/Margin(%) SRP/Margin($) Processing Fee Overage(%) Overage($) Gross Rev. Conv. 20 $5,000,000.00 1.50% $75,000.00 $17,375.00 0.25% $12,500.00 $104,875.00 Govt. 5 $1,250,000.00 1.75% $21,875.00 $3,475.00 0.25% $3,125.00 $28,475.00 Total: 25 $6,250,000.00   $96,875.00 $20,850.00   $15,625.00 $133,350.00 Versus Wholesale Broker-Gross Revenue Proforma Product/Units Volume Lender Premium(%) Lender Premium ($) Processing Fee Overage Gross Rev.     25 $6,250,000.00 1.50% $93,750.00 $0.00 $0.00 $93,750.00   Total: $6,250,000.00   $93,750.00 $0.00 $0.00 $93,750.00     Gross Revenue Variance: $39,600.00  
  11. 11. Branch Manager Tools <ul><li>P.U.L.S.E. DASHBOARD </li></ul><ul><ul><li>View Entire Pipeline-at-a-Glance </li></ul></ul><ul><ul><li>User Friendly Reporting System </li></ul></ul><ul><ul><li>Manage Sales/Multiple Branches at a Click of a Button Using Sales Dashboard </li></ul></ul><ul><ul><li>AHL HR/Accounting Department Support </li></ul></ul><ul><ul><li>Ongoing Marketing, Recruiting and Training Support </li></ul></ul><ul><ul><li>Company Intranet/Portal </li></ul></ul><ul><ul><li>Tenured Mortgage Banking Team </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  12. 12. Loan Officer Tools <ul><li>P.U.L.S.E.-LOS/PE/AUS/IMAGING SYSTEM </li></ul><ul><ul><li>Easy to use Loan Origination System </li></ul></ul><ul><ul><li>QuickPricer Loan Level Pricing Engine </li></ul></ul><ul><ul><ul><li>Sophisticated Automated Underwriting System Provides Loan Approval Certificates in Seconds </li></ul></ul></ul><ul><ul><li>Real-time Pipeline Management </li></ul></ul><ul><ul><li>Loan Officer Compensation Tracking </li></ul></ul><ul><ul><li>PDA-Real-time Pricing Capabilities </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  13. 13. Loan Officer Tools-Continued <ul><li>BOOM! MARKETING </li></ul><ul><ul><li>Market REALTORS © , Builders, Banks, Credit Unions, CPA’S, Financial Planners, etc. </li></ul></ul><ul><ul><li>Custom Plug-n-play Flyers, Co-branded Websites, Professionally Made Informational Movies, and Much More… </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  14. 14. BOOM! – Realtor © Co-Branding CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  15. 15. BOOM!-Private Custom URLS CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  16. 16. Loan Officer Tools-Continued <ul><li>ARG Interactive </li></ul><ul><ul><li>Custom Tailored Loan Officer Websites </li></ul></ul><ul><ul><li>Customer Relationship Management System </li></ul></ul><ul><ul><li>Company Dashboard/Intranet/Portal </li></ul></ul><ul><ul><li>Email Blast Marketing </li></ul></ul><ul><ul><li>Lead Procurement </li></ul></ul><ul><ul><li>MLS/FSBO/Home Valuation Tools </li></ul></ul><ul><ul><li>Predictive Dialer Bidirectional Interface </li></ul></ul><ul><li>TRAINING AND COMPLIANCE SUPPORT </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  17. 17. Branch Manager Investment <ul><li>Start-up Costs are 2 Months Reserves Based on Company Expenses (Must Maintain in “Over and Under Account.” Remains Branch Funds) </li></ul><ul><li>No Upfront Application Fees </li></ul><ul><li>$100/$200 Conv./Gov’t & Jumbo Loan Loss Reserve Account (Credit to Branch Mgr.) </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  18. 18. Loan Officer Investment <ul><li>$95 Administrative Fee (Monthly) </li></ul><ul><li>$95 E&O/QC (Per File) </li></ul><ul><li>Criminal Background Investigation fee of $100 (1 Time Charge) </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  19. 19. P.U.L.S.E. <ul><li>Automated Underwriting and Pricing Engine </li></ul><ul><li>A Powerful Marketing Tool </li></ul><ul><li>Increases Pull-through </li></ul><ul><li>Paperless, Edocs </li></ul><ul><li>CNS-Central Nervous System </li></ul><ul><li>NOTE: PULSE = P ricing U nderwriting and L oan S ubmission E ngine </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  20. 20. P.U.L.S.E.-Continued <ul><li>Utilizes Information Sourced Directly From Investors </li></ul><ul><ul><li>Best-X For Investor Programs and Pricing </li></ul></ul><ul><ul><li>Underwriting Guidelines </li></ul></ul><ul><ul><li>Pricing Matrices </li></ul></ul><ul><li>Utilizes Live Credit Report Data </li></ul><ul><ul><li>Interfaces With All Credit Vendors </li></ul></ul><ul><ul><li>Full Utilization of Credit Data Generates Highly Accurate Loan Level Qualification Decisions </li></ul></ul><ul><li>Interfaced With Fannie Mae, Freddie Mac & FHA Total Scorecard </li></ul><ul><li>Rules Based Underwriting Loan Conditions </li></ul><ul><ul><li>Automated Loan Conditions </li></ul></ul><ul><ul><li>DU/LP & FHA Conditions </li></ul></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  21. 21. PULSE-Fast Answers. Flexible Solutions CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  22. 22. BOOM!-Marketing <ul><li>Professional Multi-media Presentations For Prospective Borrowers </li></ul><ul><li>Co-branded Feature Sheets, House Photos, Loan Scenarios and Online Informational Movies </li></ul><ul><li>Loan Comparisons For Purchase and Refinance Loans </li></ul><ul><li>Co-branded Capabilities For Joint Marketing </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  23. 23. ARG Interactive <ul><li>CRM (Customer Relationship Management System) </li></ul><ul><li>Affinity Marketing with “BuilderConnect”, “RealtyConnect” and eBenefits Portals </li></ul><ul><li>Sales Force Automation System </li></ul><ul><li>Dashboard/Intranet/Business Management Portal </li></ul><ul><li>Custom Loan Officer Enterprise Websites </li></ul><ul><li>MLS/FSBO/Home Valuation Tools </li></ul><ul><li>And Much More! </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  24. 24. AHL Sales ARCHITECTURE CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC
  25. 25. Make More Money with Direct Lending All Home Lending. Shared Vision. Shared Future. CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC For more information contact: Grant Parkman (951) 234-1742 cell [email_address] CA Dept. of Real Estate License 01821999 NMLS ID 762978
  26. 26. ALL HOME LENDING INC. <ul><li>Copyright © ALL HOME LENDING, INC. All Home Lending Inc. operates in the following states under the license/exemption listed below: California loans will be made or arranged pursuant to Department of Corporations, California Finance Lenders Law license; All Home Lending Inc. License #603-D829; California DRE #01524293 Washington Consumer Loan License #520-CL-102179; Hawaii Foreign Lender Exemption; Nevada HUD Exemption; NMLS ID#102179; Colorado ID# 102179;Idaho Mortgage Broker/Lender License ML 5049 Idaho License #C189780;Oregon Mortgage Lending License ML-5049, Texas SML Mortgage Banker Registration, Colorado License #20111092473.FHA ID 24876-00005 (Buena Park) Hilo Branch 24876-00040, Washington Branch 24876-00034 </li></ul>CONFIDENTIAL PROPERTY OF ALL HOME LENDING INC

×