1. POWER | INNOVATION | PERFORMANCE
ArcStone Financial | 1917 Hillhurst Ave., #205, Los Angeles | 323-284-6035 | www.arcstoneinc.com

2. LEADERSHIP
Leading by inspiring. Our leaders lead from
the front lines and are involved at all levels.
While promoting personal accountability,
independent thinking, and entrepreneurial
spirit, our leadership has the ability to
recognize what is needed and is eager to
jump in and roll up our sleeves.
PEOPLE
An industry built on people. We believe in
creating an environment that lends way to
our team having fun and engaging in
meaningful work. Through this experience
we intend to foster a culture of
achievement, longevity and excellence.
CHARACTER
Character cannot be developed in ease and
quiet. We recruit team members whose
personal values of integrity, work ethic,
transparency, and commitment to success
as a team add to our vision of the
organization. Only through the addition of
experience and success can our
organization be strengthened, ambition
inspired, and success achieved.
SERVICE
ArcStone Financial strives to build a raving
fan base through consistent service, quality
products and accessibility. We recognize
that many team members contribute to our
endeavor. Through respect and
extraordinary effort, we are able to
perform at higher levels. We strive to set
ourselves apart with our commitment to
quality, competence, consistency, and
personalized client relationships.

3. A strong and genuine belief in the “CUSTOMERS FOR LIFE” principle of doing
business is what fuels this company. Referrals from previous customers and
local real estate professionals have always delivered the majority of the
Company's production.
CUSTOMERS FOR LIFE

4. ArcStone Financial uses Encompass by Ellie Mae, a leader in LOS software.
Encompass streamlines the entire origination process, increasing branch
and processor, productivity. Encompass allows for a completely paperless
web based submission to Underwriting. This can save valuable time and
close loans more quickly.
POINT OF SALE
 Configure specific workflows for retail, wholesale and correspondent
lending.
 Originate and edit loans on the go from any mobile device.
 Keep borrowers and third-party originators informed with automated
online status updates.
 Provide retail borrowers with an easy-to-use consumer direct channel
to check rates and submit applications.
PROCESSING
 Automatically review loans for compliance with all local, state and
federal regulations.
 Send and receive eSigned compliant disclosures and documents.
 Go paperless and eliminate reams of paper from your workflow while
boosting efficiency with intelligent document recognition.
 Have data automatically calculated for you throughout the loan file.
 Electronically order services —4506-T, flood, appraisal, credit, etc.—
right within Encompass.
UNDERWRITING
 Automatically assess ATR/QM loan eligibility and understand how it
was determined.
 Run automated underwriting right within Encompass.
 Open complete visibility between processors and underwriters to
increase collaboration and efficiency.
 Compare and review documents efficiently, side by side, right on your
screen.
CLOSING & FUNDING
 Draw accurate, compliant docs efficiently and automatically within
Encompass.
 Generate loan packages that are automatically stacked and ordered
how you or your investor require them.
 Automate data verification and compliance checks into your closing
process.
 Auto-populate data from the loan file directly into your closing
documents.
 Manage and secure all closing documents easily from one electronic
loan file.

5. What tools do you need in place to improve your output?
Increase your level of service. With an ArcStone Financial partnership,
you are provided with the following valuable tools:
 Fast and accurate loan processing from origination & underwriting to
closing of the loan. Loan approvals can be available in as little as 24-48
hours. Most loans can be closed within 21 days
 The stability of a strong, well-capitalized mortgage banker
 Responsive access to the knowledge and experience of senior mortgage
professionals
 Confidence that all qualified loans will be fully funded
 A dedicated transition team for each new branch and loan officer
 An experienced compliance team that handles all licensing issues
 Innovative web based tools that will help you simplify and speed the
lending process
 A full spectrum of products includingVA, FHA, USDA,Conforming, Non-
QM loans, and Jumbo loans that give you the unparalleled flexibility to find
a loan for every kind of borrower
 Dedicated corporate support

6.  Apartment and
Industrial Property
Financing
 Non-Resident Alien and
Diplomatic Status
 High Investor
Condominium
 Construction to
Permanent
 Loans to 10 million
dollars
 Cross Collateralization
(Bridge Loans)
 Fixed Seconds
 Home Equity Lines of
Credit
 Interest only Loans
 Foreign National
 Non-Warrantable
 Government Loans –
VA/FHA
 Non-Qualified
Mortgage (QM) Loans
 12 Month Bank
Statement Program
 Over 10 Financed
Properties
 First In New
Construction Condos
 40 Year Amortization
 Cal HFA
 Community Bond
Products
NON-QM PROGRAMS 12 month bank statement

7. ArcStone Financial follows agency guidelines with no overlays.* We have access to investors including, but not limited to:**
*Investor specific Overlays may apply.
**Investors can be added or eliminated at the company’s discretion and the above is a partial list of investors.

8. Our marketing department has created a depository or editable flyers.

9. In addition, our marketing department supports the development of social media and mortgage loan originator
web pages.

11. LEADERSHIPTEAM
President
MichaelWinston has a background in both Real Estate and Finance. He has worked over the
years with a goal of helping people improve their financial situation and make wise decisions.
Going thru the ups and downs on the economy has given him a unique perspective and helped
shape his views.
He has been a partner in Arcstone Financial since 2004.
Sr.Vice President
Mardi Kari has been in the lending industry since 1994 starting in the credit unions and moving
to fortune 500 mortgage companies. Since 2001 he has been a principal of various mortgage
companies and since 2004 has been a partner of ArcStone Financial. He has a very conservative
approach on lending and ensures his values are instilled within the organization.
His vision is to achieve efficiencies through technological and knowledgeable leadership
throughout the management group.

12. CORPERATE OFFICE
1917 Hillhurst Ave., #205
Los Angeles, CA 90027
ORANGE COUNTY BRANCH
17452 Irvine Blvd., #202
Tustin, CA 92780
SF VALLEY BRANCH
14523 Gilmore Street
Van Nuys, CA 91411
COMPANY LEADERSHIP
Michael Winston
President
Direct: (323) 284-6028
Cell: (949) 285-4878
Michael@arcstoneinc.com
Mardi Kari
Sr. Vice President
Direct: (323) 284-6030
Cell: (818) 613-6650
mardi@arcstoneinc.com
OTHER RESOURCES
Kevin Reems
Corporate Recruiter
Direct: (323) 284-6037
kevin@arcstoneinc.com
Robert Atilano
Business Development
Manager
Direct: (323) 284-6035
rob@arcstoneinc.com