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
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
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
19. Rewards and Recognition
Top producers and difference makers
are rewarded with monthly and
quarterly recognition and rewards.
REWARDING
PERFORMANCE
EXCELLENCE
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
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
transcend business opportunities to lifelong relationships.
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.