Jeff Baxter is a top-performing mortgage lender on the coasts of Delaware and Maryland who is highly recommended by realtors and past clients. He has over 30 years of experience in banking and financial services. Jeff prides himself on providing excellent customer service, keeping realtors informed throughout the entire loan process, and ensuring a smooth closing. Realtors say that Jeff is easy to work with, knowledgeable, and that clients feel comfortable trusting him with their financing needs.

1. An Expert is Your Best Partner Exceptional Service Valuable Knowledge Powerful Products

2. Jeff’s Mission Statement I am the premiere lender in the Coastal Delaware & Maryland region - the “go to” lender that every Realtor partner insists their clients do business with – the lender clients trust and call for repeat business.

3. The Prosperity Mortgage Mission Our mission is to deliver financing solutions to our customers through the quality efforts of our employees. Through a commitment to continued training and the use of state-of-the-art technology, we provide unsurpassed service, work as a team and enable each employee to be the best. We achieve excellence by: Focusing on our customer’s needs Being knowledgeable Providing the highest level of service Always being professional Using the utmost integrity Maintaining an enthusiastic attitude Distinguishing and rewarding people for superior performance.

4. Jeff’s Background 30+ years in personal banking & financial services 17 years with Citibank retail banking 10 years owner/principal financial services consulting 6 years with Prosperity Mortgage in Southern DE Member President’s Club for sales leadership 2009: closed 143 units & $42 million in volume Affiliate member – SCAOR and Sussex WCR chapter Former Board Member – Bethany/Fenwick Chamber of Commerce & Cripple Creek Golf & Country Club

5. Why Jeff? Service Your customer is always treated with respect You are always kept informed I’m a partner that helps you build your business Knowledge I keep you up-to-date on new products and legislation Consistency You know what to expect – no surprises Underwriting is local and we can always meet your timelines

6. What Customers Say About Jeff I just want you to know how much Tom and I appreciate your work. You have been thorough, professional and pleasant from our first phone call, and I was especially pleased to have you attend settlement last Friday. Thank you for your part in making our purchase possible. Customer - Media, PA Jeff Baxter is great to work with. He readily responds to inquiries and invites any and all questions. He has a gift for teaching. Jeff immediately resolved an error (made outside his office) regarding our closing costs. We respect his professionalism and recommend him to any friends needing a loan. Customer - Wilmington, DE Our home mortgage consultant, Jeff Baxter, was excellent! He made everything easy for us, returned our phone calls promptly, and explained everything in detail. We would definitely use him again and or refer him to friends and family. Client – Washington, DC

7. What Other Clients Say About Jeff Once I put a client in his hands, I no longer worry, as he keeps me up to date without prodding on my part. He is the best that I have dealt with. My clients feel comfortable with him and know that he is worthy of their trust. Realtor – Bethany Beach, DE In my 12+ years in this business I have not met a more competent financially knowledgeable loan source. Realtor - Rehoboth Beach, DE Jeff is capable of communicating with clients on a level that they can understand. He is willing to work with the agents; he has even taken the course (Real Estate Licensing) to better understand our needs with working with our clients. I have never gone to Jeff with a question that was not answered immediately and with a full explanation. Realtor – Bethany Beach, DE Jeff Baxter is the best mortgage specialist that Prosperity has had. I’ve been an agent for 10+ years and he is a refreshing addition to the team. Finally someone with intellect, attention to detail, and responsiveness ! Realtor – Rehoboth Beach, DE

8. How is Jeff Different? I treat your customers professionally I get loans closed on time without surprises I attend settlements I keep you up to date with weekly status reports from contract to closing I keep you informed about the market, lending guidelines, and economic changes

10. Yes, Google does call me Delaware’s Leading Mortgage Banker

11. Questions