Welcome to snmc book

Introduction to the Organization
GET TO KNOW SNMC:
OUR HISTORY, THE DIVISIONS OF THE COMPANY, OUR LEADERSHIP
AND IMPORTANT RESOURCES

The outstanding reputation of SecurityNational Mortgage Company
(SNMC) is the direct result of the dedicated efforts of our employees, sales
associates, officers and staff working in cooperation to achieve the highest
possible standards.
The roots of our company were planted deep, starting in 1965 with the
founding of Security National Life Insurance Company. Starting with
only $543,000 in assets, in a small rented house in Salt Lake City,
Utah, Security National has grown into a strong industry leader in
several fields of service.
Over the past four decades we have grown consistently through new
sales and investment opportunities, and through the acquisition of life
insurance companies, funeral homes and cemeteries, as well as the forma-
tion and growth of our mortgage operations. Security National Financial
Corporation and its subsidiaries operate three main business segments:
Life Insurance Mortgage Loans Mortuary/Cemetery
Welcome
to SecurityNational
Mortgage Company!
INTRODUCTION TO THE ORGANIZATION
“The design and
structure of our
company is that
each segment is
related to the others,
and contributes to the
profitability of
the whole.”

Security National Life Insurance Company was the
precursor to Security National Financial Corporation, which
was incorporated on August 19, 1965. SNLIC received its
Certificate to sell insurance in July 1966. This allowed the
principals to continue to sell both stock and insurance under
the name of Security National Life Insurance Company.
SecurityNational Mortgage Company is one of the fastest
growing subsidiaries of the Security National family. SNMC
was established in 1993 as an investment alternative for
Security National Life Insurance Company.
Memorial Mortuaries & Cemeteries offer funeral and
cemetery products and services. Memorial Mortuaries and
Cemeteries serve more than two thousand families annually
who are faced with the burden of making decisions
following the loss of a loved one.
What We Are All About
Security National attributes its success to strong core
values developed in its early years. Strong core values com-
bined with innovative thinking, have enabled the company
to continue to flourish in an environment of change and
ongoing challenge.
Honesty is the ‘best policy!’ A foundation of integrity,
trustworthiness, honor, and being genuine.
Setting forth the window of Opportunity for all
employees through fiscal responsibility, productivity,
competitiveness and innovation.
Hard Work is getting paid for the value you bring
to the hour. Excellence is not an act, but a habit.
“Success is the maximum utilization of
the ability that you have.” -- Zig Ziglar
The Pieces of the
Security National Pie
M
O
RTG
A
G
E
CAPITAL
MORTUARIES
LIFE
C&J FINANCIALPRENEED
CEM
ETERIES
W
H
O
LESA
LE
COMMERCIAL
OTHER
SECURITYNATIONAL MORTGAGE COMPANY

Leadership of the Company
“A leader is one who
knows the way, goes
the way, and shows
the way.”
--John C. Maxwell
Lynn Beckstead, SNMC President
Mr. Beckstead has more than 35 years of real estate and mortgage experience. An
original founder and current President of SNMC, he has built the company from a
mere $250,000 note, into a national company that boasts more than 600 employ-
ees, and originates in excess of three billion in mortgage loans per year. Mr. Beck-
stead serves on the SNFC Board, subsidiary boards, and currently holds his Utah
Real Estate Broker license.
Steve Johnson, SNMC Chief Operating Officer
Mr. Johnson has been with SecurityNational Mortgage since 2000 and has worked
in the mortgage banking industry since 1982, the majority of that time as the execu-
tive officer over Secondary Marketing and Operations. He is a graduate of Brigham
Young University (B.A.) and American Graduate School of International Manage-
ment “Thunderbird” (MIM). He also is a Certified Mortgage Banker “CMB” as desig-
nated by the Mortgage Bankers
Association of America.
J. Paul Christensen, SNMC Senior Vice President
Mr. Christensen has more than 25 years of experience in the mortgage industry. He
has managed up to 450 people at numerous companies as an Executive Officer.
Paul earned the Top Loan Originator in Utah award in 2003. Mr. Christensen has
greatly expanded the operational footprint of SNMC. Mr. Christensen received a B.S.
in business administration.
Scott M. Quist, SNFC Chief Executive Officer
Mr. Quist has served as Chairman of the Board and Chief Executive Officer since
September 14, 2012. He has served as a director of the National Alliance of Life
Companies (NALC), a national trade association of over 200 life insurance com-
panies, and as its President. Mr. Quist was Treasurer and a director of The National
Association of Life Companies, a trade association of 642 insurance companies until
its merger with the American Council of Life Companies. He has been a member
of the Board of Governors of the Forum 500 Section (representing small insur-
ance companies) of the American Council of Life Insurance. He has also served as
a regional director of Key Bank of Utah since November 1993. Mr. Quist holds a B.S.
degree in Accounting and a law degree from Brigham Young University.

Headquarters
Security National Financial Corporation
5300 South 360 West
Salt Lake City, Utah 84123
P.O. Box 57250
Salt Lake City, Utah 84157
Telephone #801.264.1060
Toll Free #800.574.7117
*View all SecurityNational Mortgage Company locations at www.snmc.com.
SNMC Locations
Security National’s
integrity, reputation
and stability remain
very strong in
challenging
economic times.

Ready to Lend a Hand
Jerry Lynch ~ Employee Services Manager
801.287.8385 | jlynch@securitynational.com
Darsie Marriott ~ Payroll/Retirement Manger
801.287.8109 | darsiem@sercuritynational.com
Autumn Corsey ~ Payroll Assistant
801.287.8177 | autumn.corsey@securitynational.com
Heather Foote ~ HR Assistant
801.287.8305 | heather.foote@securitynational.com
Trisha Montano ~ Benefits Assistant
801.287.8235 | trisha.montano@securitynational.com
Resources and Links
SNFC Intranet ~ www.snfcintranet.com
Security National Website ~ www.securitynational.com
Employee Services ~ http://goo.gl/Rl0juv
IT Help Desk
Phone: 866.680.7662
Email: helpdesk@securitynational.com
Training and Marketing
Marketing Department
Phone: 801.590.2277
Email: marketing@snmc.com
Mike Shehan ~ Chief Marketing Officer
Hillary Holman ~ Training Manager
David Bollard ~ Creative Director
Kevin Keller ~ Art Director
Compliance, Licensing & Credit Policy
Samantha Jarrett ~ Compliance Systems Manager
801.287.8176 | Samantha.Jarrett@securitynational.com
Candy Olson ~ Loan Officer Licensing
801.838.9831 | candy@snational.com
Cheryl Gray ~ Corporate Underwriting/Credit Policy Manager
801.748.4880 | credit.policy@securitynational.com
Pricing and Locking Questions
Lock Desk
Phone: 866.381.7550
Email: ratelock@securitynational.com
Human Resources
We are dedicated
to providing the
support you need
to make you and
your teams
successful.

WHAT SECURITY NATIONAL MORTGAGE COMPANY OFFERS YOU:
PRODUCTS, TRAINING, MARKETING TOOLS, TECHNOLOGY AND MORE.
Loan Officer Handbook

“Our Motto is Excellence”
SecurityNational Mortgage Company
NMLS# 3116 | www.snmc.com[ 2 ]
© 2014 SecurityNational Mortgage Co.
All rights reserved. rev_0314
WELCOME
Welcome. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Key Contacts Information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
WHO WE ARE
Our Vision Statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Our Client Guarantee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Retail Organization Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Loan Officer Expectations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Roles & Responsibilities of SNMC Loan Officers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
WHAT WE OFFER
Training Classes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Business Development. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Production Levels. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Client Development Classes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Pre-Qualification Process. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
The Loan Application. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Loan Application Classes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Loan Selection Classes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Loan Processing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10-11
Preferred Investor Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Mortgage Products We Broker. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
CORPORATE SUPPORT
Departments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
SNFC Instranet/Websites. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Online Marketing Support. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Training / Coaching. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-17
Promotional Items. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Contests / Conventions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Marketing Department Contact Information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Employee Services Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Table of Contents | LOAN OFFICER HANDBOOK

Table of Contents | LOAN OFFICER HANDBOOK
NMLS
NMLS Account Setup – New Employee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
NMLS Request – Establishing Company Relationship. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
NMLS Request – Attestation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
TECHNOLOGY – SNFC INTRANET
Logging onto the SNFC Intranet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
SNFC Home Page. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
SNMC Intranet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Credit Policy Page. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Checking your e-Mail . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25-26
Encompass (Importing, Creating & locking loans) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27-33

Welcome to SecurityNational Mortgage Company! I would like to personally
welcome you to the SecurityNational Mortgage family. We take pride in our
reputation of being a rising leader in the mortgage industry. We look forward
to the opportunities we will mutually forge, and hope that you find more
than a company with us, but a place to call home. I look forward to meeting
you in person, and to building a great future together.
Sincerely,
J. Lynn Beckstead, Jr.
President
BRANCH MANAGER
Name _________________________________________ E-mail_ __________________________
Phone #________________________________________
HUMAN RESOURCES / EMPLOYEE SERVICES
Autumn Corsey | autumn.corsey@securitynational.com | 801.287.8177 | Payroll Assistant
LICENSING
Alisha Macias | alisha.macias@securitynational.com | 801.590.2252 | Licensing Assistant
INFORMATION TECHNOLOGY (IT)
IT HELP DESK: help.desk@securitynational.com | 866.680.7662
MARKETING
Marketing: marketing@snmc.com | 801.590.2277
Welcome | LOAN OFFICER HANDBOOK
KEY CONTACTS INFORMATION

Who We Are | LOAN OFFICER HANDBOOK
Our Vision Statement
A nationwide company providing a full line of
quality mortgage products and services to the
communities we serve.
Our Client Guarantee
We will individually consult with each client
to ensure that we offer loan product solutions
that best match their unique needs and
financial situation. We will provide our clients
with competitive pricing on a wide array of
mortgage products while maintaining high
client satisfaction. We commit to effective
communication with our clientele throughout
the entire business transaction. We will maintain
a highly efficient workflow process through
proprietary procedures, saving SNMC and
our clients, time, expense and effort. We will
continually strive to improve our processes,
systems and technology to better serve our
clientele. We remain committed to earning each
clients business and respect every time they
choose to do business with us and refer others
to employ our services. We steadfastly adhere to
the laws of the Equal Housing Opportunity Act.

Retail Organizational Chart
SNMC currently operates more than 80 branch offices across the United States, and is
headquartered in Salt Lake City, Utah. Security National Financial Corporation, SNMC’s parent
company, operates divisions with three main business segments: life insurance, cemetery/funeral
services, and mortgage loans (wholesale and retail). The design and structure of our company
is that each segment is related to the others, and contributes to the stability of the whole. This
horizontal integration improves corporate efficiencies and allows SNMC to be highly competitive
within our field. SNMC is one of the fastest growing divisions of the SecurityNational family, a
publicly traded company (SNFCA – Nasdaq).
LYNN BECKSTEAD
President
PAUL CHRISTENSEN
Senior Vice President
THAYNE ATKINSON
CTO
CANDY OLSON
Licensing
MIKE SHEHAN
Chief
Marketing Officer
SAN DIMAS BRANCH
Tom Douroux*
AUSTIN BRANCH
Brian Hill*
ORLANDO BRANCH
Lisa Newman*
TAMPA BRANCH
Nathaniel Bittman*
LAS VEGAS BRANCH
David Christensen*
DALLAS BRANCH
Kay Kooyman*
SALT LAKE BRANCH
Joel Harward*
DRAPER BRANCH
Tom Gledhill*
IT DEPT
STEVE JOHNSON
Executive Vice President
Chief Operations Officer
HOLLADAY BRANCH
Mark McDonald*
MIDVALE BRANCH
Jason Gautreau*
Dan Munford*
DEBBIE OGDEN
Quality Control
JEFFREY STEPHENS
Secretary and
General Counsel
LYLE RASMUSSEN
VP Secondary
Marketing
KEN PARR
CFO
KARIE WAKEFIELDTIFFANY NOBLE
Post Closing
Operation Manager
CHERYL GRAY
Corporate
Underwriting Manager
SAMANTHA JARRETT
Compliance Systems
Manager
DAVE BENNETT
VP Executive
Branch Manager
JENNIFER LANCE
Investor
Administration
Corporate
Processing Manager
ACCOUNTING
SERVICING
QUALITY
CONTROL
MORTGAGE
SYSTEMS
INVESTOR
DELIVERY
CLOSING/
FUNDING
BROKER-
CORRESPONDENT
ADMINISTRATION
FEDERAL
COMPLIANCE
SHIPPING/
INSURING
INVESTOR
RESOLUTION
CREDIT POLICY
ADMINISTRATORS
PROCESSING
SUPERVISORS
UNDERWRITING
SUPERVISORS
HILLARY HOLMAN
Training/
Implementation
Manager
JOHN DOUGLAS
Assoc. General Counsel
Compliance Officer
*Regional Managers
SECURITYNATIONAL.COM
SNMC email

Loan Officer Expectations
Each of us play a vital role in maintaining, and improving the reputation of SNMC. Every time
you communicate with vendors, staff, peers, clients and the public, you reinforce their opinion of
what you, and SNMC, stands for. In striving to outperform our competition, and over deliver our
promise of great service, we ask that you portray the professionalism that you would want to
experience if placed on the other side of the transaction by:
• Understanding Company history and what we represent
• Following Company Policies & Procedures
• Following federal, state, and industry laws, regulations
and guidelines
• Knowing how to effectively navigate loans through
our systems
• Maintain knowledge of current loan products and
guidelines
• Maintain your education and training levels
• Deliver on our Client Satisfaction Guarantee
• Have fun while earning a quality income and build your career
Roles & Responsibilities of SNMC Loan Officers
SNMC Loan Officers adhere to an ethic of fairness, honesty and integrity toward both borrower
and lender. Therefore, it is the responsibility of every SNMC Loan Officer (LO) to ensure that each
borrower has a thorough understanding of all the terms of his/her loan, as well as each of the
documents he/she will be signing.
Approximately two-thirds of a loan officer’s time will be spent generating and gathering
prospective clientele. The relationship building process is an art that requires many strengths and
attributes. As relationships are built and trust established, the SNMC Loan Officer still has much
to do.
Additionally, each Loan Officer must be able to comprehend and comply with a myriad of federal
and state mortgage-lending laws, complex mortgage products, multiple-page forms and detailed
consumer protection disclosure requirements.

What We Offer | LOAN OFFICER HANDBOOK
Training Classes
It is SNMC’s goal to consistently produce the highest level of mortgage professionals in the
world. Adhering to SNMC’s core beliefs demands continuous education. Both live and online
trainings are offered to keep our Loan Officers at their best. Many of the classes are prerequisites
of continued employment. The ability to schedule classes at a predetermined time ensures all
Loan Officers are able to benefit from this instruction. Visit our company training calendar to
locate available trainings you can join at https://www.esnmc.com/TrainingCalendar/. Once on
the page, you’ll be required to sign in using your SNFCfirstname.lastname login and password
combination. Also, watch for training invitations in your SNMC Outlook email box.
Business Development
SNMC believes in the value of business planning and recommends all Loan Officers write and
follow a written business plan that outlines the Loan Officer’s specific approach to their business.
The company provides a professional resource to assist our Loan Officers in writing their annual
plans, at no cost.
Business plans include:
• Priorities and Goal Development
• Effective Time Management Strategies
• Plans to Generate Realtor Partnerships
• SNMC Operational Systems
• Becoming a Trusted Advisor
Production Levels
SNMC supports a variety of approaches in obtaining and maintaining clientele. The minimum
loan production requirement for SNMC Loan Officers is two loans per month, or six loans during
a three-month period. Any LO not meeting this minimum, or desiring to improve their production
level, is encouraged to meet with their manager, attend trainings, and consult with the Marketing
Department in order to establish a specific plan to meet those goals.

Client Development Classes
(SNMC’s Loan Officer Business Coach & Premium
Marketing Platform)
• Creating Your Image
• Obtaining Referral Relationships
• Solidifying the Relationship
• Marketing for New Business
• Database Management
• Obtaining Builder Business
• Working For Sale by Owner/Listed Properties
Pre-Qualification Process
As the consumer pursues the specifics of their financial
transaction, the Loan Officer will discuss and gather
personal and financial information from the borrower.
The originator will match the borrower’s profile against
currently available financial sources to determine the type
of loan, the maximum loan amount that the borrower can
qualify for, and suitable financial options. Loan Officers are
responsible to provide SNMC approved pre-qualification
letters as required by their prospective borrowers. Quality
pre-qualification techniques will ensure smoother closings.

The Loan Application
It is the responsibility of the Loan Officer to fully and accurately obtain all information required
on a residential mortgage loan application from the borrower, either physically or remotely
via SNMC systems. The definition of an application is the submission of a borrower’s financial
information in anticipation of a credit decision relating to a federally related mortgage loan,
which shall include the borrower’s name, monthly income, Social Security number, the property
address, an estimate of the value of the property, the mortgage loan amount sought, and any
other information deemed necessary by the Loan Officer. An application may either be in writing
or electronically submitted, including a written record of an oral application.
Loan Application Classes
(Premium Marketing Platform)
• The Perfect Loan Application
• Loan Application Review
Loan Selection Classes
(Monthly Lunch and Learns)
• SNMC Loan Programs
• FHA, Conventional, VA and USDA
• Credit Policy
• Loan Compliance
Loan Processing
A key element in SNMC’s continued ability to manufacture loans with swift pace and calculated
precision is the team’s collective understanding of the entire process of the transactions we
handle. In order for a SNMC mortgage application to be considered “complete,” each and every
loan document must be acknowledged as truthful and correct by the Loan Officer as well as the
borrower, prior to his/her signing.

Loan Processing (Continued)
THE SNMC LOAN FLOW
The Loan Officer also arranges for conditional mortgage loan commitments between a
borrower and a lender, in which case the Loan Officer acts as liaison between loan processors,
underwriters, title/escrow and lenders, to ensure each loan is processed smoothly and closes on
time.
Preferred Investor Program
In choosing a home for your business, it is important to evaluate a company’s funding and
product availability. With warehouse banking becoming far more restrictive and expensive to
operate, a company’s funding capacity could be the largest variable to overcome.
SecurityNational Mortgage enjoys both a healthy warehouse capacity that far exceeds most
mortgage banks, and the ability to fund loans with the liquid funds in our parent Life Company.
Due to our financial solvency and reputation in the secondary mortgage markets, SNMC is able to
offer a wide variety of mortgage products from an array of different investors.

Mortgage Products We Broker
In addition to the mortgage products we offer from our investor relationships, SNMC currently
is approved to broker to over 25 other mortgage bankers, capitalizing on the few niche markets
that are available in today’s lending environment.
We’ve been well served maintaining healthy relationships diverse enough to serve the needs
of local markets, on a nationwide level. With years of experience backing a well-organized and
funded company, our Loan Officers enjoy the preferred relationships that are difficult to maintain
in smaller broker shops.

EMPLOYEE SERVICES DEPARTMENT
SecurityNational Mortgage has built a large foundation of resources to support you in your
career. We offer full payroll services, a benefits team and human resources support. We strive
to maintain a safe workplace by supporting a professionally administered, random drug testing
system, as well as a sexual harassment education and awareness campaign.
We offer SNMC full-time employees Dental, Vision, Health and Life Insurance opportunities. Loan
Officers are considered full-time when they have been paid a minimum qualifying commission
amount, after the initial 90 day period has passed.
CREDIT POLICY DEPARTMENT
We have a team of professionals to support your business in underwriting, guideline changes, and
investor relations that helps ensure that we maintain good, saleable products. We post all new
information on our intranet site and keep our staff and team up to speed on the latest industry
changes.
UNDERWRITING DEPARTMENT
At SNMC, we know the importance of direct communication on each loan file. The Underwriter’s
at SNMC take a proactive approach when handling a file, reaching out to the Loan Officer and
Processor prior to publishing the loan disposition to allow open lines of communication and help
answer any questions. The Loan Officer and Processor have the ability to contact the Underwriter
working on their loan directly throughout the loan process.
SECONDARY DEPARTMENT
SNMC keeps our loan pricing consistent and steady in moving markets. We also
keep up with the newest products and investor relations to arm you with what you
need for the current market conditions. You can expect daily pricing alerts and
communication via email when there is mid-day marketing movement.
IT DEPARTMENT
• We have a full staff of IT programmers, and hardware/software engineers.
• We pride ourselves in keeping these systems working properly and safe.
• We can assist you with passwords, and keep a helpdesk available for our employees.
Corporate Support | LOAN OFFICER HANDBOOK

SNFC INTRANET
SNMC provides a robust intranet platform. Located at www.snfcintranet.com, you can access
many resources including employee services information and forms, Outlook email link,
commissions information and requests, underwriting guidelines, and many more company tools
and resources. When logging in, use: snfcfirstname.lastname.
WWW.SECURITYNATIONAL.COM
SecurityNational.com is the main website for SNFC, our parent company, and contains some
resources for SNMC. It contains information about company history and executive management,
stockholder information, press releases and more. This site is not intended as a destination site
for consumers looking to secure a mortgage loan. This site, as well as our intranet, is supported
by our internal IT department.
WWW.SNMC.COM
SNMC.com is the main website for SecurityNational Mortgage Company - Retail. It is the top
tier in our network of office and individual LO websites. Borrowers can locate an office or loan
officer, apply for a mortgage, visit the learning center, view and download free reports, and make
various inquiries for assistance. This platform is supported by a third-party vendor.
LOAN OFFICER WEBSITES
Each SNMC LO is provided an individual website. These sites are personalized and include the
following:
• Consumer Education Content
• Lead Generation
• Email Campaign Marketing
• Traffic Statistics
• Training Webinars
• Task Calendar
• Integrated Mortgage Application
• Client Management Tools
• Mobile version

ONLINE MARKETING SUPPORT
SNMC provides an Online Direct Mail Marketing Platform supported by XpressDocs.com. This
platform allows every LO to order customized postcards, business cards, flyers, promotional
items and more, 24/7 and have them delivered overnight. It is accessed at www.xpressdocs.com/
SecurityNationalMortgage. Once logged-in, quickly create your profile and you’re ready to go!

SecurityNational Mortgage believes in helping you succeed to be the best and the brightest in the
industry. We have several tools to help you achieve your full potential. We provide a schedule of
classes that are taught live, online, via phone and/or are recorded for on demand access.
TRAINING CLASSES
SNMC is continually creating online Product, Industry, and Company training material, to keep
you up to speed. Visit our company training calendar frequently to view and sign up for available
classes at https://www.esnmc.com/TrainingCalendar/.
COACHING
We all know the value in accountability and coaching. SNMC believes in keeping you on your toes
with the latest marketing ideas and tips. We give you access to Bill Sparkman, “The Coach”, to
help you with weekly coaching calls, back office support, marketing ideas, new technology tips,
and seminars for you and your real estate agents.
EDUCATIONAL TOOLS
SNMC will continue to keep you informed on your local chapter luncheons, trade shows, and
NMLS changes. We believe in supporting the Mortgage Bankers Association, and keeping up
with Washington and the latest changes in the industry. With our President, Vice-President, and
Head of Secondary all being CMB’s (Certified Mortgage Bankers), we have an elite management
team of mortgage professionals to support and educate our team.
MARKETING TIPS
We strive to proactively enhance the tools and resources available to you. If you find a vendor,
tool, system, website or resource that can help other LOs across the nation, please share your
successes with the entire team.
SOCIAL MEDIA
We offer several options that will help you learn about, create
and maintain a presence, and effectively market on the most
popular social media platforms.

VIDEO EDUCATION & WEBINARS
We have a selection of videos you can use, post
and use for marketing… Or we can teach you
how to make your own unique library!
We also have pre-recorded webinars for first
time home buyers, Realtors, and other webinars
set up for your own Home Buyer University.
PROMOTIONAL ITEMS
SNMC has several sources for promotion items to use in your marketing system. You can order
customized shirts, bags, leather binders, note pads, pens, gum, water bottles, clocks, golf balls, etc.
with the SNMC logo, or in some cases, your contact information.
www.drivemarketing.com
www.XpressDocs.com/SecurityNationalMortgage

[ 18 ]
CONTESTS & CONVENTIONS
SNMC sponsors a variety of fun contests to help boost camaraderie and a healthy spirit of
competition.
SNMC’s annual convention offers the opportunity to learn from your peers, get updates on
industry changes, celebrate our successes, and have some fun!
ADDITIONAL MARKETING SUPPORT
We are not successful unless you are! We are here to help you grow your business to the next
level and strive to be a great resource along the way.
CONTACTS
Kevin Keller | kevin.keller@snmc.com | 801.590.2262 | Art Director
Hillary Holman | trainining@snmc.com | 801.590.2261 | Implementation and Training Manager
NMLS# 3116 | www.snational.com

EMPLOYEE SERVICES DEPARTMENT CONTACTS
If you have an issue with your compensation, please discuss with your Manager first.
Jerry Lynch, Employee Services Manager/ Human Resources
jerryL@securitynational.com | 801.287.8385 ext. 1385
• Human Resources
• Employee Relations (Discrimination, Termination, etc.)
Darsie Marriott, Payroll/Retirement Manager
darsiem@securitynational.com | 801.287.8109 ext 1109
• Retirement plans
• Payroll Processing
• Payroll Accounting
Autumn Corsey, Payroll Assistant
autumn.corsey@securitynational.com | 801.287.8177 ext. 1177
• Cafeteria/Flex spending
• Verification of Employment
• Garnishments
• Time & Attendance - XactTime and Payroll Changes
Heather Foote, HR Assistant
heather.foote@securitynational.com | 801.287.8305 ext. 1305
• New Hire processing
• Worker’s Compensation
• Employee Records
• Employee communications
Trisha Montano, Benefits Assistant
trisha.montano@securitynational.com | 801.287.8235 ext. 1235
• Benefits Enrollments and Changes
• Wellness Programs
• Benefits Education

NMLS | LOAN OFFICER HANDBOOK
IMPORTANT INSTRUCTIONS FOR ANYONE ORIGINATING A RETAIL LOAN
1 NMLS ACCOUNT SETUP FOR NEW SNMC EMPLOYEE (Required to obtain MLO license and ALL branch managers)
IF YOU HAVE AN NMLS ACCOUNT...GO TO STEP 2
• Access NMLS Registry: http://mortgage.nationwidelicensingsystem.org/Pages/default.asp
• Click “Log In”
• Create your individual NMLS account
• The NMLS system will send you an email with a temporary password
Create an Individual Account: Fill out all required information to establish your individual account. Do not
complete all the information tabs yet. You will receive your NMLS ID#. This number will need to be used on your
business cards, any advertisements, and promotions including, but not limited to, your website.
You will then receive two follow-up emails from NMLS (check your blocked emails). One will have your user ID
number, and the 2nd will be your temporary password. When you receive these, please log back into NMLS (cut
and paste the temporary password to avoid errors). You will be asked to change your password at this time.
When you receive your user name and password, go back into NMLS and continue to step 2.
2 NMLS REQUEST TO ESTABLISH COMPANY RELATIONSHIP:
• Log onto NMLS http://mortgage.nationwidelicensingsystem.org/Pages/default.asp
• Click on “Filings”
• Check “Company Access” tab
• Click “Add” at bottom of page
• Enter “NMLS ID#3116”
• Click “Search”
• Click on “SecurityNational Mortgage Company”
• Click “Save”
The NMLS system will generate an email to SecurityNational Mortgage Company that a Company Relationship has
been established.
3 NMLS REQUESTS FOR ATTESTATION – PLEASE UPDATE YOUR NMLS RECORD:
• Log onto NMLS
• Filing Tab > Individual > click on “Create New Filing”
• Update contact information and employment section of the information tabs down left side of page…
Review all other information for accuracy. Note: Must be the branch address you work from.
• Last screen is a Completeness Check – review for missing items
• Click on “I certify….. attest/submit filing”
Check with your Branch Manager or Regional Manager for the latest licensing requirements, or contact Candy in
the Licensing Department at 801.838.9831 | candy@snational.com who can assist you.

Technology | LOAN OFFICER HANDBOOK
LOG INTO SNFCINTRANET
To log in you need to go to www.snfcintranet.com. Once you click on that site it will pull up a box
asking for your user name and password. This is the first password on your list. User names are
always snfcfirstname.lastname.

SNFC HOME PAGE
This is the home page for SNFC. The two main places you will go from here is either to the SNMC
Retail (or Wholesale) tab in the upper left side in the blue section, or to your e-mail (middle right
labeled “Outlook Web Access New Version”).

CLICKING ON SNMC RETAIL TAB
Once you click on the SNMC tab on the home page it will take to a screen that looks like this one.
Get familiar with the different sections and their content.

CREDIT POLICY PAGE (Come here before you ask your processor or underwriter)
Click into the Credit Policy link on the upper right corner of the screen (you may be required to
re-enter your intranet user name and password again). This is where you can locate information
including underwriting guidelines, RESPA compliance information and loan forms. Be sure to
review each tab to see what they offer.

CHECKING YOUR E-MAIL
Your company provided email account must be used for all business purposes. It is also
important to check your email regularly; all communications regarding corporate updates,
benefits deadlines, etc. will be sent to your SNMC email account.
Please note: If you’d like to sync your SNMC email account to your personal cell phone, please
contact the Help Desk by phone at 866.680.7662 for assistance.
You can locate your Outlook email account from your work computer or from the SNFC intranet
home page. On the right side of the intranet home page you have a link for Outlook Web Access
(new version). Once you click on that, it will take you to the page shown below. This is the same
password you use to get into the snfcintranet.

CHECKING YOUR E-MAIL (Continued)
After you put in your passwords, it will bring you to your email. Anything company or corporate
related will be emailed here. You must use this email account for all business purposes. Also, one
of your first e-mails here will be from Mindi Hayes or Jack Helgesen with your user IDs. This is one
way to access your email outside of the office. You can also sync your smart phone to your email
account. Contact help.desk@snmc.com for instructions.

Marketing Services for our Real Estate Partners.
SOLD
DEVELOP
YOUR BUSINESS
NURTURE YOUR
CONNECTIONS
GENERATE
LEADS
MARKET
YOUR LISTINGS
FOR INTERNAL USE ONLY
Help your partner take their
business to the next level.

COACHING, BUSINESS PLANNING TOOLS
Bill Sparkman offers many programs:
• Exclusive Realtor Marketing &
Resource Center
• Realtor coaching
• Business Building Tele-seminars
MOTIVATIONAL CALLS, ACCOUNTABILITY
Bill Sparkman offers many programs:
• Monday Morning Chalk Talk
• FastTrack Program
LIVE WEBINARS
Hosted by numerous Vendors and Speakers.
CLASSROOM FACILITY FOR CONTINUING
EDUCATION
*Availability by market.
Convenient, sponsored, live CE classes
hosted locally.
NEWS ALERTS FOR THE REAL
ESTATE INDUSTRY
Stay informed with industry specific updates
from Vantage Productions—Your eNewsletter
and MortgageMarketGuide Weekly
(Part of MG2).
CO-BRANDED MARKETING
Several vendors offer co-branded collateral
(Xpressdocs and Vantage Productions—
Platinum Partners (Part of MG2) ).
SMART PHONE APP FOR HOME BUYERS
MobilityRE has developed the most effective
app to generate buyer leads for you!
*Available at an additional cost.
TEXT INFO RIDER SIGN LEAD CAPTURE
Another component to the MobilityRE
platform to generate buyer leads for you!
PARTNER WEBSITES
Create an online presence that includes lead
capture and house searching functionality with
MortgageCEO’s RealtyConnect (Part of MG2).
FSBO MARKETING SYSTEM
Bill Sparkman system to convert them into
lead generating machines!
EMAIL DRIP CAMPAIGNS
Administer a stream of marketing over time
with MortgageCEO’s CRM drip system.
CLASSROOM FACILITY FOR HOME BUYER
SEMINARS OR OTHER EVENTS
*Availability by market.
Convenient, top-notch facility to host
live classes.
DIRECT MAIL “JUST SOLD”
POSTCARDS & NEWSLETTERS
Xpressdocs, Vantage Production—Platinum
Partners (Part of MG2) & SNMC’s own
marketing library all offer a vast amount
of options.
PURCHASE LEADS
MortgageCEO’s Lead Dashboard allows you
to purchase internet leads.
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Develop your Business Generate Leads

CRM SYSTEM
MortgageCEO and Vantage Productions
(Part of MG2) CRM allows you to create tasks,
follow up and make notes to better manage
your clients.
FOLLOW-UP CAMPAIGNS
Mortgage Returns is another post-close
follow up platform.
EMAIL DRIP CAMPAIGNS
MortgageCEO and Vantage Productions CRM
allows you to assign follow up campaigns to
stay top of mind.
LARGE ONLINE LIBRARY OF MARKETING
TEMPLATES
of options.
E-NEWSLETTERS FOR CLIENTS
Vantage Production—Platinum Partners has
one specifically for the public as well.
(Part of MG2)
PROPERTY WEBSITES
eProperties offers a turn-key solution for
single property websites.
CirclePix also offers a suite of resources to
market your listings.
“JUST LISTED” POSTCARDS & FLYERS
of options.
TEXT INFO RIDER SIGNS
Another component to the MobilityRE
platform to generate buyer leads for you!
LOAN OPTION FLYERS
There are several options for creating these:
template from marketing department and
Vantage’s BorrowSmart Presentation module
(*Available at an additional cost.) will make you
shine when creating scenarios for your clients.
MOBILE HOME SEARCH APP
MobilityRE has developed the most effective
app to generate leads for your listings!
CUSTOM DESIGN TEAM
SNMC’s design team can create anything
you can dream up.
PARTNER WEBSITES
Create an online presence that includes lead
capture and house searching functionality with
MortgageCEO’s RealtyConnect (Part of MG2).
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Contact a SNMC Loan
Professional TODAY!
SOLD
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%
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SOLDNurture your Connections Market your Listings

Help your partner
take their business
to the next level.
6965 UNION PARK CENTER, SUITE 100 | COTTONWOOD HEIGHTS, UT 84047 | SNMC.COM
SecurityNational Mortgage Company, and its’ Loan Officers, adhere to RESPA regulations. They are required
to ensure equitable co-investment in marketing efforts when jointly advertising with a real estate professional.
SNMC is an Equal Housing Lender. NMLS #3116.
Contact the Marketing Team for copies of
this real estate piece personalized to you,
or for more details.
Marketing@SNMC.com

Welcome to snmc book

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