Network Funding is a mortgage lender and servicer with a network of branches across the U.S. Their vision is to set the standard for ethics in the mortgage industry by helping families achieve homeownership. They utilize various systems and partnerships to streamline the loan process for borrowers while ensuring compliance.

1. J O I N
T H E
N E T W O R K

2. T H E C O N T E N T O F T H E N E T W O R K
T HE FO UND ATIO N Mission, Vision & Founding Principles
T HE STO R Y History & Executive Bios
T HE NET W O R K States, Locations & Regional Managers
T HE IM A GE Websites & Marketing
T HE PR O D U CTS Loan Products, Investors, Secondary Marketing, AUS & LPE
T HE PR O CESS Loan Process Diagram
T HE SYST EMS Loan Origination System & Customer Relationship Management
T HE S A FET Y Compliance, Legal & Licensing
T HE ST R EN GT H Processing, Underwriting & Closing
T HE M O NEY Comp Plans & Benefits/Growth
T HE GENER OSIT Y The Restoration Project
T HE DIFFER EN CE Onboarding, Support Team & Internal Communication
4
6
8
10
12
14
16
18
20
22
24
26

3. Our vision is to set the standard for how to do business
within the mortgage industry. We want to grow both
the size and impact of our company by investing in
communities, helping families and restoring dreams.
MISSIO N
Our mission is to revive the American Dream of owning
a home by serving every client with integrity, keeping the
process simple and getting the job done on time.
T H E F O U N D AT I O N O F T H E N E T W O R K
Can a company’s way of doing business really impact its industry,
the lives of its clients and the well being of its community?
We believe it can and should.
R ELI A BILIT Y
We believe in getting the job done and getting it done on time.
IN T EGR IT Y
We believe in doing the right things, even when they are hard.
SIMPLICIT Y
We believe in making the loan process simple for our clients.
FA MILY
We believe in families and that they are the backbone of
society.
G O D
We believe our highest aim in being a great company is to
glorify God.
H O ME
We believe homes are for people, not just profit.
FO UNDIN G PR IN CIPLES
54

4. -Fred Fiedler & Martin Chemers, Improving Leadership Eff
T H E S T O RY O F T H E N E T W O R K
Network Funding. It’s an interesting name for a mortgage company, but it’s one that communicates both
our vision and our story. In 1998, two longtime colleagues, Buzz Baker and Rex Chamberlain, set out to
be different from the competition by creating a network of mortgage professionals driven by values, not just
profit. They took this idea and turned it into a reality by creating Network Funding.
From the beginning of Network Funding, we set ourselves apart from other financial institutions in both
design and essence. We began providing branches with loan product availabilities of a mortgage broker
coupled with the administrative strength of a larger financial institution. Consequently, our branches were
free to focus on what mattered most, our clients. Quickly becoming a national player, we experienced
branch growth across the country and our annual production soared to over $2 billion in fundings.
In the years that followed, we worked hard to become known by our integrity. As the ethical dilemma and
the imminent future danger involved with sub-prime loans, alternative credit programs and other exotic
mortgage options became apparent, we saw that many of these programs placed families at increased risk
by granting them loans they wouldn’t be able to afford and most wouldn’t understand until it was too late. It
was then that we decided that we would rather forgo profit than compromise on our principles and put our
customers at risk.
Inevitably the housing crisis of 2008 arrived, crushing the financial institutions that preferred quick profits
over higher principles and leaving the dreams of so many in shambles. As banks and lenders across the
nation failed, we grew.
While many felt the American Dream was dying and the entire mortgage industry was on the brink of
collapse, we began to thrive more than we ever anticipated, showing there was still hope in an industry
marred by unethical practices.
Being one of the few mortgage companies to grow through the crisis, our reputation now precedes us. So
as we look to tomorrow, we know the principles on which we were established will be the foundation upon
which we continue to grow. Integrity, reliability and simplicity are our standards; funding the American Dream
is our goal.
O U R D R E A M , O U R S T O RY.
Rex Chamberlain has served as Chief Executive Officer since co-
founding Network Funding with Buzz Baker in 1998. Previously,
Chamberlain served as a loan officer and then a district manager
for North American Mortgage Company. He has also served
as the regional manager for Irwin Mortgage Corporation.
Chamberlain holds a degree in Business Administration from the
University of Houston.
R EX
CH A MB ER L A IN
CEO
Buzz Baker has served as President since he co-founded
Network Funding in 1998. With more than 25 years experience
in the mortgage industry, Baker served as a loan officer and then
a producing manager for North American Mortgage Company.
He has also served as the production manager and wholesale
manager for Irwin Mortgage Corporation. Baker holds a degree
in Finance from Stephen F. Austin State University in
Nacogdoches, Texas.
Brett Snortland began his career with Network Funding in
2008 with the primary role of helping grow the network. During
his tenure, Network Funding has expanded from 11 states to
over 30. With more than 20 years experience in the mortgage
industry, Brett has a renowned ability to build successful sales
teams and has a goal to grow the company to $5 billion per year
in fundings. He holds a degree in Business Administration from
The University of Texas at Austin.
B UZZ
B A K ER
PR ESID EN T
B R ET T
SN O RT L A ND
N ATIO N A L PR O D U CTIO N M A N A GER
76

5. WA
OR
CA
ID
MT
WY
NV
UT
AZ
NM
CO
ND
SD
NE
KS
OK
TX
MN
IA
MO
AR
LA
WI
IL IN
MI
OH
KY
TN
MS AL GA
SC
FL
NC
VA
WV
PA
NY
ME
MA
CT
NJ
DE
MD
NH
VT
AK
HI
RI
Shelly
McFadden
Craig
Herzog
Randy
Martin
Lorna
Davis
R A N D Y
M A RT I N
G E O R G E
B A U D E R
S H E L LY
M C FA D D E N
C R A I G
H E R Z O G
L O R N A
D AV I S
R I C H A R D
J E F F E R S O N
T H E N E T W O R K O F N E T W O R K F U N D I N G
Providing a primary contact person for every branch, our Regional Manager structure gives each
branch their greatest asset: relationally advocacy. Helping branches build stronger connections with
both the corporate office and the outside world, our Regional Managers are “hands-on” people with a
laser focus on the growth each branch.
98

6. T H E I M A G E O F T H E N E T W O R K
ST R AT EGIC PA RT NER :
SPA CECR A FT ( G OSPA CECR A FT . CO M )
W EB SIT ES
With a new generation of homebuyers taking over and the Internet’s role ever increasing in the home
buying process, Network Funding is poised for continued success. Through our partnership with
SpaceCraft, we possess one of the most advanced websites in the industry.
Every branch is given a beautiful site on our platform that is connected to our main site. This allows us
to drive traffic (potential borrowers) from our national or regional advertising campaigns straight to the
person who will help them the most, the Loan Officer.
M O BILE A PP
In addition to a personal application page and specific client portal, Loan Officers are also given their
very own customized Loan Officer smart phone app. The smart phone app is just another way to help
our referral sources and borrowers connect with their loan officers on their mobile devices.
SEO / SEM
SpaceCraft also provides Network Funding with high-level Search Engine Optimization and Marketing
on both the corporate and branch levels. By being a part of the Network Funding website platform,
branches are able to participate in localized online ad campaigns as well as benefit from national
campaigns run through the corporate office.
A N A LY TICS
Branch Managers have the ability to receive weekly reports on the performance of their website, giving
them first hand access to the type of traffic their site is receiving as well information on any SEO/SEM
campaigns they may be participating in.
ST R AT EGIC PA RT NER S :
CR E ATI V E ELEMEN T & PA GE IN T ER N ATIO N A L
When it comes to branding, we believe in the power of a unified national brand as well as the
effectiveness of local personalization. Our partnership with Creative Element and Page International
provides the level of design and marketing support our branches need in order to rise above their
competition.
M A R K ETIN G LIB R A R Y
The Marketing Library, provided through our intranet, gives our branches
an online shopping experience that customizes most of their marketing
needs with pre-approved material. Whether it’s new business cards,
apparel, flyers or signage for an expo, the Marketing Library gives
employees the ability to order what they need, customize their information,
select when they’ll receive it and watch the fulfillment’s progress.
A D H O C
Creative Element’s team of designers
is available to our branches to provide
Ad Hoc design services for any project
that is outside of the current offerings of
our Marketing Library.
1 11 0

7. T H E P R O D U C T S O F T H E N E T W O R K
Network Funding is proud to be a Triple Eagle (direct Fannie Mae, Freddie Mac and Ginnie Mae) seller
and servicer. Our strong warehouse lines and established investor relationships help us provide some of
the most competitive pricing in the industry on the most important loan products.
• Lock request submissions via LendingQB
Automated Underwriting and Loan Pricing
Engine
• Rate lock confirmation email notification
• Rate lock tracking and audit history
• Risk management reporting
• Purchase advice reconciliation
• Interim servicing
• Accurately determine loan eligibility based on
investor overlays and guidelines
• Complete utilization of borrower credit report
data
• Comprehensive library of pre-built investor
products
• Investor guideline updates and management
• Customized overlays for lender-specific
eligibility criteria
• Complete design, build and maintenance of
custom loan products
Completely integrated into lending workflow
• Pricing derived from lender-specific investor
rate sheets
• Automated rate sheet process downloads
new pricing
every five minutes
• All loan level pricing adjustments included
• Customized overlays for lender-specific price
adjustments
• Automatic rate sheet expiration prevents
locks on stale pricing
IN V ESTO R S
At Network Funding we’ve always believed in having options. That’s why we strive to maintain quality
relationships with all of our investors. Direct pricing and in-house underwriting with the best investors
in the industry:
• FNMA
• FHMLC
• GNMA
• WELLS FARGO
• CHASE
• CITI
• CITI TVLB
• BB&T
• FREEDOM MORTGAGE
• FRANKLIN AMERICAN
• CALIBER HOME LOANS
• DITECH
• REDWOOD
• TITAN CAPITAL SOLUTIONS
• WESTSTAR
• CONVENTIONAL
• FHA
• FHA 203K
• VA
• REVERSE MORTGAGES
• JUMBO LOANS
• HARP 2.0 LOANS
• BROKER OPTIONS
SECO ND A R Y M A R K ETIN G . . . T H AT ’ S SECO ND TO N O NE
AU TO M AT ED UND ER W R ITIN G & LO A N PR ICE EN GINE
S E C O N D A R Y
M A R K E T I N G
M A N A G E R
PAT R I C K P U R C E L L
With our own guidelines and minimal overlays for most products, Network’s strength
in the Secondary Market is what enables us to truly set ourselves apart from the
competition in regard to underwriting and approving loans.
1 31 2

8. T H E P R O C E S S O F T H E N E T W O R K
We know that mortgages are complex, so we try to simplify the Loan Process whenever possible for our
borrowers. By de-mystifying the Loan Process and empowering our borrowers through educational resource
material, we have found that a “simple” mortgage experience leads to more referrals than just about anything.
ORIGINATION
1. APPLY
Apply with a
Loan Officer to
get pre-qualified
3. GATHER
Gather your
documents to
complete your
application
2. ISSUE
We issue the
pre-qualification
4. FIND
Find a property
and get it under
contract
PROCESSING
5. ORDER
We order the third
party services, such
as the appraisal
6. PROCESS
We process the
file to prepare it for
underwriting
UNDERWRITING
7. UNDERWRITE
We underwrite to
formally approve or
deny the loan
8. SATISFY
Satisfy any conditions
assigned by the
underwriter
9. CLEAR
We clear the file
for closing
10. CLOSE
Close on your
new home!
CLOSING
1 51 4

9. T H E S Y S T E M S O F T H E N E T W O R K
2 P O W ER FUL PL AT FO R MS , 1 SIMPLE R ESULT :
M O R E LO A NS
LENDIN G Q B ( LOS )
LendingQB is our web-based end-
to-end, or as we refer to it: “Cradle-
to-grave” LOS. By having a system
that ties in all of the major pieces of
the loan process, LendingQB is able
to increase our origination efficien-
cies by making sure that all of our
departments are in sync on each file,
eliminating mistakes and automating
the workflow.
LendingQB makes origination
easier than it’s ever been before. By
integrating pricing, compliance & QM
checks, auto-calculating scenarios,
pre-built disclosure packages,
electronic document & disclosure
delivery (DocuTech) and much more,
this is easily one of the most exciting
tools in the mortgage industry for
Loan Originators.
M O RTG A GE R ET UR NS ( CR M )
Through Mortgage Returns’ Prospect Manager platform on the
front-end, our Loan Officers have a single place to login where
they can see status updates, track progress, set reminders
and manage campaigns on all of their leads and loans. On the
back-end (post closing), the Relationship Manager platform
automatically tracks over 200 loan details on closed loans,
automates direct mail & email campaigns, as well as triggers
notifications when previous clients are eligible for a refinancing.
Both platforms with Mortgage Returns are customizable by the
Loan Officer so that the Loan Officer can be as hands-off or as
hands-on as they want to be.
When it came to deciding on a direction for our
Customer Relationship Management (CRM)
system, we knew we wanted a customizable
system that would “book-end” LendingQB. By
helping us capture and retain business on both
ends of the loan process (Lead Retention & Post
Closing), Mortgage Returns does exactly that.
BRETT SNORTLAND,
PRODUCTION MANAGER
• FULLY IN T EGR AT ED W IT H LENDIN G Q B
• AU TO M AT ED EM A IL “ D R IP ”
CA MPA IGNS TO PR OSPECTS
• T R A CKS 20 0 + LO A N D ETA ILS FR O M
PR EV IO US LO A NS
• AU TO M AT ED DIR ECT M A IL TO CLOSED
LO A N D ATA B A SE
Since switching to LendingQB, not
only has origination become simpler
(which is a core value at Network
Funding) but my capacity to do more
has drastically increased. I simply
love this platform.
BRENT BRUCE
BRANCH MANAGER, CA
BUZZ BAKER, PRESIDENT
With all the changes in the industry, our Loan
Officers were spending large portions of time
on the tasks of originating rather than focusing
on getting new business. The primary goal for
us in switching to LendingQB was to correct
that. LendingQB has given our Loan Officers the
ability to spend less time on tasks and far more
time finding new loans!
1 71 6

10. T H E S A F E T Y O F T H E N E T W O R K
CO MPLI A N CE
MULTI - LEV EL CO MPLI A N CE = PE A CE O F MIND O R IGIN ATIN G
In the mortgage industry’s ever-changing regulatory landscape, reliable compliance is essential to the
success and health of any lender. The multi-level compliance checks at Network Funding provide that
protection to our loan originators by reviewing every loan at key stages throughout the Loan Process.
Through LendingQB, our Compliance Department receives automated notifications and is able to
review files “behind the scenes”. Causing minimal interruption to workflow, allows our loans to move
smoothly from one stage to the next and keep everything on track for closing.
LEG A L
Understanding the legal landscape in the mortgage industry is of paramount importance to us at
Network Funding. Knowing how to prepare for new situations and navigate complicated legislation is
not just vital at the corporate level but essential at the branch level as well. Our in-house attorneys and
outside legal counsel are some of the best in the country and provide great support to everyone in the
network.
In order to stay compliant with all of the laws and regulations federally and in each state, Network
Funding’s Legal and Licensing Departments work hard to keep everyone in the network safe, legal
and licensed.
Network Funding’s enduring legacy is in no small part due to the diligent
efforts and keen insights of our attorneys.
REX CHAMBERLAIN, CEO
LICENSIN G
The Licensing Department at Network Funding focuses on your license status, so you don’t have
to. Network Funding provides continuing education courses and license renewals at no cost to the
Loan Officer. When it’s time to renew your license, the Licensing staff notifies you and sends helpful
instructions, reminding you of what you need to do and how to do it.
In this new-age of mortgage lending, it’s essential
for me to be with a lender I can trust. I brought my
branch to Network Funding and have stayed a part
of the network largely because Compliance is more
important to this organization than it is to any other
lender in the market.
JAMES SPICE
BRANCH MANAGER, TX
(2014 #1 PRODUCING BRANCH)
DENISE MARTINEZ,
COMPLIANCE MANAGER
We strive to be the best in
the industry when it comes to
compliance so that our originators
can have the peace of mind they
need to focus on their main job…
originating new loans.
At Network Funding we want Licensing to be as
little of an issue for our Loan Officers
as possible.
STAN RODGERS,
LICENSING MANAGER
1 91 8

11. Our closing department makes me
look good. They are extremely fast and
informative. They are always on top of
closings and correspond better than
anyone in the industry with the title
companies. Their willingness to stay late,
come early or do whatever it takes is what
makes them my favorite department at
Network Funding.
ROB HANLEN
BRANCH MANAGER, TX
CLOSIN G
The Closing Department is one of the most
established and experienced departments at Network
Funding. Providing reliable and consistent quality at
the finish line is what keeps referral partners coming
back and builds trust in our brand.
T H E S T R E N G T H O F T H E N E T W O R K
PR O CESSIN G
Network Funding places a huge emphasis on quality Processing because it directly effects our turn-
times in Underwriting. By placing our corporate processing and underwriting departments under the
same management team, our corporate processing teams are able work directly with our underwriters.
Many lenders have a tendency to overlook the vital role of processing.
At Network Funding we believe the quality of our customers’
experience hinges on the quality of our processors.
CAREY BANNING, NATIONAL OPERATIONS MANAGER
KELLY DEMARCO,
OPERATIONS MANAGER
Network Funding’s Underwriting team
prides itself on providing the best
customer service in the industry. We
separate ourselves by partnering with
our sales force to find solutions, move
loans quickly, and build the relationships
needed to provide longevity and
success to our branch offices.
UND ER W R ITIN G
At Network Funding, our Loan Officers know they can rely on “lightning-fast” underwriting. We are
committed to staffing and operating our underwriting teams in such a way to maintain 24-48 hour
underwriting turn-times. By hiring the best underwriters in the industry and making sure they have
reasonable workloads, the underwriting experience at Network Funding continues to be one of the
standards in the industry.
Let’s face it, 24/48 hour underwriting turn-time
is a must in this business and Network Funding
consistently delivers. What sets our underwriters apart
is their common sense and relevant approvals. I have
rarely had approval conditions that I did not agree with,
and when I have, our underwriters have been open to
discussion. And yes, they even answer their phones!
BILLI WEST
BRANCH MANAGER, FL
(2014’S #1 PRODUCER)
When we started Network Funding, one of our top priorities was
and always will be underwriting. We knew that if we wanted to
establish ourselves as a major player in this industry, maintaining rapid
underwriting turn-times would be essential.
BUZZ BAKER, PRESIDENT
2 12 0

12. T H E M O N E Y I N T H E N E T W O R K
CO MP PL A NS
Network Funding offers competitive “tiered” compensation plans that vary based on lead source,
property area and experience of the Loan Officer in the following ranges:
At the end of the day, Network Funding cares about the growth of every
Loan Officer. Our goal is to help you take your business to the next
level and earn more doing it!
RICH JEFFERSON, REGIONAL MANAGER
B ENEFITS
Network Funding gives you the flexibility to choose the benefits that make the most sense for you and
your family. When eligible, we offer affordable health insurance for our employees, dependent cover-
age, dental, vision, 401k, and pre-tax accounts. We also offer several supplemental policies including
life, short and long term disability, accident and more.
GR O W T H - A NNUA L M O RTG A GE O R IGIN ATIO N GR O W T H
OV ER $ 14 . 6 BILLIO N FUND ED
OV ER $ 1 BILLIO N IN SER V ICIN G
1998
2001
2004
2007
2010
2013
$300,000,000
$600,000,000
$900,000,000
$1,200,000,000
$1,500,000,000
$1,800,000,000
$2,100,000,000
$2,400,000,000
0
12,431
UNITS
11,541
UNITS
3,889
UNITS
3,483
UNITS
2,280
UNITS
539
UNITS
• RETAIL LOANS: 75 – 150 BPS • INTERNET LOANS: 40 – 75 BPS
2 32 2

13. T HE R ESTO R ATIO N PR OJECT
The Restoration Project is our initiative aimed at restoring the American Dream beyond just owning
a home. We want to see families and communities restored physically, socially, emotionally and
spiritually. The Restoration Project is how Network Funding’s employees are making a difference
in their communities and around the world. The Restoration Project is not limited to employees of
Network Funding either but open to anyone who wants to come alongside of us and help make a
difference in the lives of others.
Let us consider how to stir up one another, to love and good works.
HEBREWS 10:24
T H E G E N E R O S I T Y O F T H E N E T W O R K
GIFT M ATCHIN G
Through sponsored “Matching Campaigns” Network Funding matches employees gifts to specific
causes and organizations throughout the year. Visit www.therestorationproject.foundation for a list of
causes and campaigns that are available, as well as details regarding the gift matching opportunities.
VO LUN T EER PR OJECTS & SPECI A L NEEDS
Network Funding’s passion for serving others extends beyond the workplace. Through various
projects across the country, our employees and their families are finding ways to give up their time
and energy to serve those in need. With coordinated service projects, blood drives and more,
Network Funding makes it easy for our employees to find ways to keep making a difference by being
agents of restoration in their communities.
We believe in the value of giving back to our communities and there is
something about generosity that is contagious! We love seeing how
generous our employees are toward one another and to those in need.
Ultimately, it’s not about the money we earn but the difference we make.
REX CHAMBERLAIN, CEO
Network Funding is so much more than just a network of great mortgage
professionals, it’s a family. Words cannot express the love and support I felt
from everyone at Network as I was going through my cancer treatment. What a
blessing being a part of this company has been to me and my family!
MATT BAKER, LOAN OFFICER, TX
PR AY ER T E A M
Regardless of your creed or background, life can be hard. The Prayer Team is an open digital
volunteer team at Network Funding of employees that want to support, encourage and pray for their
fellow colleagues, whether the requests are anonymous or specific.
2 52 4

14. O NB O A R DIN G
Our Onboarding Department is dedicated to helping all new branches and loan officers make a
smooth transition to Network Funding. We know how difficult it is to make a change, so our team goes
above and beyond to make it as easy as possible. From getting a new office set up with desks and
internet, to making sure each Loan Officer knows who to contact for specific needs, our goal is to
keep you from missing any potential deal.
Smooth transitions are vital to the early success for our branches. I love
being responsible for helping get every new employee feel a part of the
team by getting them ‘up and running’ as fast as possible!”
SHELLY MCFADDEN, ON-BOARDING MANAGER
J O I N I N G T H E N E T W O R K C O M M U N I C AT I O N I N T H E N E T W O R K
SUPP O RT T E A M
The Support Team at Network Funding is a highly trained and experienced staff dedicated to assisting
branches with their needs. If a Loan Officer has a question, problem or needs help, the Support
Team is “first base”. Most of the time, if they can’t fix it, they will connect the Loan Officer with the
department or individual at Corporate who can.
The Support Team has been one of the greatest assets for me since
I’ve been with Network Funding. From training me on LendingQB to
always being immediately available to help me with any problem, I simply
cannot say enough about this department. They’re amazing!
JAMES MERCADO, BRANCH MANAGER, WI
YA MMER
Yammer is the internal communication platform where our employees are able to connect, collaborate
and coordinate their various projects. Every branch is given a private group to facilitate communication
within the branch, as well access to several open groups where they can connect with their
colleagues around the country.
“ STAT E O F T HE NET W O R K ” CO NFER EN CE CA LLS
Our monthly “State of the Network” conference calls are the platform through which our executive
team informs the entire company of new branches, significant promotions, product changes,
department updates and any other pressing news.
W EEK LY DIGESTS
To simplify internal communication, every week the majority of our department and product updates
are condensed into a single email that goes out on Friday. This keeps inbox clutter from our
departments down and gives the Loan Officers one simple place to get all of their weekly internal
information.
M O N T HLY NEW SLET T ER S
The Monthly Newsletters come out each month to remind branches of the highlights from the Weekly
Digests as well as to inform them of upcoming changes and noteworthy social updates.
2 72 6

15. NMLS # 2297
9700 RICHMOND AVENUE, SUITE 320 , HO USTON, TX 77042
WWW.NFLP.COM
© FEB R UAR Y 2015