Welcome to the LAST STOP in yourMortgage Career

About im

ortgageAt imortgage we understand that in today’s market, home financing requires a company with a proven track record, financial strength, integrity and a passionate culture. Our unwavering commitment to excellence in these key areas has earned us a reputation as one of the most respected companies in the industry.

Founded in 1999, imortgage grew from the concept of creating a premier builder-Realtor based mortgage banking company. A consumer-focused system with a vast array of mortgage products and efficiency-driven technology gives our customers and business partners a clear advantage. Headquartered in Scottsdale, Arizona, imortgage has offices throughout the United States, continuing its solid track record of growth.

The financial strength of imortgage enables us to access credit facilities and investor groups that are essential to our industry. We are a fully approved seller servicer for Fannie Mae, Freddie Mac, and Ginnie Mae. In addition, imortgage is a direct lender for conventional, FHA, VA, and USDA, while actively participating in hundreds of state and local government programs.

imortgage is the highest rated lender in the United States based on customer surveys conducted by Eliant. Eliant, the leader in the creation of dynamic customer-experience solutions for the homebuilding industry, provides advanced training opportunities for our loan consultants to deliver an extraordinary mortgage experience. The results are industry leading borrower satisfaction survey scores.

In 2013, imortgage and loanDepot created a partnership that resulted in creating a top 5 independent mortgage banking institution with a servicing portfolio exceeding $15 billion.

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“We are proud to offer exceptional meetings and events at imortgage. Each year we all gather together at one amazing venue for an All Employee Holiday Celebration. This annual event is made available for every imortgage employee and their guest which includes airfare, transportation, food, beverages, and a luxurious hotel stay. We also offer a first class annual President’s Club event for our top producers.”

- DEVIN HERNANDEZ, Meeting and Event Manager

“The sense of team at imortgage allows for consistent fulfillment, extensive products, marketing support and most importantly, the full confidence to sell the imortgage value proposition because imortgage delivers the promise.”

- DAN HANSON, Executive VP of National Production

“We are a company of doers! Ours is a culture where employees look for the solution to challenges.”

- JAY JOHNSON, Chief Operating Officer

About Our Company Cultureimortgage is committed to a culture of customer service, employee focus and entrepreneurship.

Everyone at imortgage is focused on providing our customers with the best possible experience as they approach the biggest purchase they are likely to ever make. This means utilizing a seamless working environment between production, processing, and underwriting. At imortgage, we have adopted an open, honest, and direct form of communication with our colleagues and customers to ensure cooperation and success.

imortgage hires employees with the mindset that this will be the last place they ever work. With that in mind, imortgage offers one of the most competitive compensation plans in the business. And not only does imortgage recognize its top producers at an annual President’s Club event, time is made each year to gather the entire company together to recognize and award employee service.

Dean Bloxom, President, has been in the mortgage industry for more than 30 years. Prior to founding imortgage, Dean held executive management positions at some of the nation’s largest and well respected companies, overseeing billions in production volume.

Jay Johnson, Chief Operating Officer, brings close to 30 years of experience in the field of technology. Jay has designed one of the most efficient delivery systems in the mortgage banking industry, trimming wasteful time and costs from the point of origination to the delivery of the loan into the secondary market.

Dan Hanson, Executive Vice President National Production, encompasses more than 30 years of real estate and mortgage knowledge. As a recognized, experienced production executive, Dan oversees the talent acquisition and strategic plan for distributed retail.

Dena Yocom, Executive Vice President Secondary Marketing, has more than 25 years in the mortgage industry and currently oversees all warehouse and investor relations in addition to the secondary market loan delivery functions. Dena is a highly respected industry veteran in the capital market world and sits on the Residential Board of Governors for the Mortgage Bankers Association.

Mike Surges, National Strategic Alliance Manager, has nearly 30 years of experience in the financial services industry. Formerly with Wells Fargo, Mike has been instrumental in developing joint ventures and alliance partnerships with leaders in the home building and real estate community.

Executive Managem

ent Teamimortgage is a strong, solid and stable mortgage company. We never waver in our commitment to opportunity-based growth, superior customer service and a distinctive culture that is focused on our employees and customers.

Why choose imortgage:• Among the top-five largest privately-held mortgage lenders in the U.S.• One of the fastest growing and most well-respected lenders in the industry today• Broadest product line of any direct lender• Exceptional purchase market share in the markets we serve• Competitive and sustainable compensation programs for both originators and operations employees• Most complete builder-support platform of any company, including Extended Rate Locks, internal Condo

Department, Builder Express Program and Forward Commitments• Dedicated processing and underwriting teams for each branch office• Interstate lending capability with 50-state licensing coverage

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*Denotes 2013 data from MarketTrac.

imortgage 877.431.0100

www.imortgage.com

NMLS ID 174457

MTH Mortgage 844.344.1001

www.mthmortgage.com NMLS ID 167881

Polygon Mortgage 855.627.0100

www.polygonmortgage.com

NMLS 1133763

MSC Mortgage 844.890.8034

www.mscmortgage.com

NMLS ID 1209513

TRIPointe Connect 844.760.5626

www.tripointeconnect.com

NMLS ID 1250459

Our Brands:

imortgage offers a comprehensive, scalable suite of employee benefits designed to attract and retain the highest quality candidates in the mortgage industry.We are pleased to share our benefits programs with all of our highly qualified candidates. New hires are eligible for the majority of our benefits on the first day of the month following their start date.

Medical imortgage utilizes United HealthCare as our primary medical provider. Our plan is a PPO/POS which allows our employees full discretion in selecting in-network or out of network providers for their individual and family care.

Dental MetLife provides excellent dental support to imortgage. Our plan offers comprehensive dental service designed to pay 100% of preventative expenses and it delivers a tiered approach to major dental expenses. We also provide orthodontia coverage for dependent children up to a lifetime maximum of $1500 per child.

Health Reimbursement Account (HRA) imortgage offers a unique benefit to our employees through our HRA program. In catastrophic or chronic medical situations where by an employee or an employee’s family member has to pay an out of pocket deductible, imortgage offers deductible coverage, with no additional out of pocket costs to employees after they meet $1000 (individual) or $2000 (family) deductible.

Flexible Spending Account (FSA) Employees at imortgage may elect to participate in a healthcare or dependent care FSA. The program uses pre-tax dollars to pay for prescriptions, deductibles, child care, and much more.

Your

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Premiums In an effort to help maintain a healthy standard of living, imortgage pays 95% of the medical and dental premiums for our employees. The cost to an employee for their individual healthcare / dental premium is $45.00 per month. In addition, if an employee elects to cover a spouse, children, or a family, imortgage will continue to pay 95% toward the employee’s premium and will also cover 50% of the premium for a spouse, children, or family.

Life Insurance / AD&D Employees at imortgage receive COMPANY PAID life and AD&D insurance in the amount of $50,000.00. In addition, imortgage offers low cost supplemental life insurance through our partner, MetLife.

401K imortgage offers a company match of 50% up to 6% of gross income with a two (2) year vesting cycle. We partner with VOYA Financial to deliver a wide array of 401K fund options. Newly hired employees are eligible to participate in the 401K. Automatic enrollment in the 401K occurs monthly throughout the year.

Short Term & Long Term Disability imortgage has partnered with MetLife to offer a program called “You Care, We Care” – this benefit provides COMPANY PAID Long Term Disability coverage to all employees who elect Short Term coverage.

Additional Benefits Paid vacation and sick time benefits as well as paid holidays are offered to our salaried employees.

“Our benefits offer wellness, peace of mind, and financial comfort to all participants. Check out our $45.00 per month employee cost for medical/dental benefits, our company-matched 401K with an aggressive vesting cycle, our company-paid life and long term disability insurance…and so much more.”

- KATHI WINTER, Vice President of Human Resources

Call ForFinancing

805-361-7203imortgage 2605 S. Miller St., Suite 106, Santa Maria, CA 93455. Kate Ferguson NMLS ID 328481. Corporate NMLS ID 3096. Licensed by the CA Department of Business Oversight CRMLA 4131040.

Kate Ferguson

Our brand has been designed to leverage the uniqueness of imortgage while continuing to build brand awareness and loyalty with our customers.We believe marketing is about relationships. Products will change, but a relationship can last forever.

Marketing Services Include:

• Product rollout & promotion• Flyers & tools• Personal websites• Customer Relationship Management (CRM) tool powered by Salesforce®

Salesforce®

Salesforce® is an online Customer Relationship Management (CRM) system which automates communication to contacts from a centralized database. Streamlined, integrated, easy, mobile. The CRM is essential for effective communication, lead generation, lead nurturing, pre-sales efforts, and closed customer service. What are the benefits? Keep your name in front of customers, prospects and referral partners regularly and effortlessly. You can also send automated emails DURING the loan cycle.

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“imortgage’s creative services team creates and delivers customized, co-branded marketing materials in 5-7 days. Our ‘Click-it and Forget-it’ Customer Relationship Management software (CRM) is tied to your own personal loan consultant website so your prospective borrowers can be nurtured immediately.”

- CLETE THOMPSON, Marketing Vice President

Custom Marketing

If you can imagine it, we can create it! Our in-house marketing and communications team are commited to delivering high quality, professionally designed materials within 5-7 business days... simple as that.®

Use your Basic Allowance For Housing (BAH) to buy a home and create an asset for your future. imortgage

offers dozens of loan programs that could allow you to purchase your fi rst or next home!

Home Loans For U.S. Military & Families

As of 04/2014

offers dozens of loan programs that could allow you to purchase your fi rst or next home!

Take advantage of the loans specifi cally for the U.S. military! Call us today!

● VA Guarantees can be great for

borrowers without much cash. Low

down payments and more fl exible loan

qualifi cation requirements make them

great alternatives for borrowers.

● Low Down Payments solve problems

for cash-strapped borrowers. FHA

programs, for example, feature low

down payments to help borrowers

qualify more easily.

● Down-Payment-Assistance Programs

include things like grants (which

often don’t have to be repaid),

zero-interest loans and deferred-

payment loans. Those last two may

be new to you, but your imortgage

loan consultant knows exactly how

to put them to work for you.

● FHA 203K Programs. Have

your eye on an almost Dream

Home that just needs some tender

loving care? With an FHA 203K

loan you get one loan to buy the

home and fi x it up, too. Repairs

can be up to $35,000.

● Mortgage Insurance allows buyers

without much cash to qualify for

a loan. They’ll have a slightly higher

monthly payment because of the

insurance premium, which protects

a lender against a loan default.

● Adjustable Rate Loans (ARMs).

These loans offer lower initial

rates and lower payments along

with the fl exibility to refi nance

to a fi xed-rate mortgage when

convenient to do so.

Please call for more information

Kim Moffat

Loan Consultant

Direct 619 928 0136

Mobile 619 207 8450

Fax 855 225 2050

NMLS ID 303465

kim.moffat@imortgage.com

imortgage

7777 Alvarado Road, #701

La Mesa, CA 91942

Rates, terms, and availability of programs are subject to change without notice.

imortgage is licensed by the CA Department of Business Oversight, CRMLA 4131040. NMLS ID 174457.

Equal Housing Opportunity. All rights reserved.

092014

Our JUMBO offerings will fit your clients’ unique needs...

At imortgage, we offer:

A WIDE VARIETY of financing solutions to meet the unique needs of your affluent clients.

COMPETITIVE PRICING that is hard to beat.

AWARD-WINNING CUSTOMER SERVICE placing us ahead of other lenders*.

Combine all this, and you’re sure to find the perfect fit ...simple as that®.

All loan features and requirements vary by program. Loans are subject to underwriting and approval per loan guidelines. *Per Eliant rankings for 2013

Please call for more informationJeremy PattersonLoan ConsultantDirect 619 928 0138Mobile 858 602 6608Fax 877 819 0412NMLS ID 262395jeremy.patterson@imortgage.com

imortgage7777 Alvarado Road, #701

La Mesa, CA 91942

Rates, terms, and availability of programs are subject to change without notice.imortgage is licensed by the CA Department of Business Oversight, CRMLA 4131040. NMLS ID 174457.Equal Housing Opportunity. All rights reserved.

imortgage Delivers the PromiseAt imortgage, we understand that in today’s market, home financing requires a lending partner with a proven

track record, financial strength and integrity. Our unwavering commitment to excellence in these three key areas

has earned us a reputation as one of the most well respected mortgage companies in the industry.

We are a fully approved direct lender for FNMA, FHA, VA, HUD and USDA. In addition, we become experts

in our state and local government loan programs.You can trust that we will provide competitive rates. imortgage works hand-in-hand with our banking and

credit union partners as well as certified public accountant or financial planner to provide innovative mortgage

solutions to clients. In fact, we represent a combination of convenient service and excellent customer care that

you deserve.

Contact me today to start your loan application.

New Purchase Programs

Refinancing Programs

Special Programs

Our commitment to you is competitive rates, incomparable service and a process that guides you easily from

application through closing. We are confident that you’ll agree that imortgage has made financing your home

...simple as that®.

• FHA• VA• USDA• Non-Conforming Loans• High Balance Agency

• 95% Conventional• Foreign National• VA Renovation• Conventional HomeStyle® Renovation• FHA 203K Renovation

• FHA Streamline• FHA Refinance• VA Refinance• DU Refi Plus• Conventional

102014

Please call for more informationJoan LlanesSales ManagerDirect 760 707 0202Mobile 760 814 5576Fax

855 267 7213NMLS ID 633016joan.llanes@imortgage.com

imortgage1902 Wright Pl. Suite 120Carlsbad, CA 92008

Rates, terms, and availability of programs are subject to change without notice.

imortgage is licensed by the CA Department of Business Oversight , California Residential Mortgage Lending

Act CRMLA 4131040. NMLS ID 174457. All rights reserved. Equal Housing Opportunity.

Meet the Florida TEaM!

Rates, terms, and availability of programs are subject to change without notice. Licensed by the FL Office of Financial

Regulation as a Mortgage Lender Servicer MLD-903. Corporate NMLS ID 174457. All rights reserved. 08182014

We have a loan for every home...simple as that.®introducing our exceptional team of branch

managers with over 200 years of combined

industry knowledge and experience. To

explore the advantages of financing with

imortgage, contact one of them today!

imortgage | Established. Responsible. Trustworthy.

www.imortgage.com

OrLandO Tampa Bay SW FLOrida JackSOnviLLe miami meTrO

rich cerbasi John pettit matt mccain rick Brown Bob mousley

nmLS id 437481

nmLS id 374775 nmLS id 445946

nmLS id 448138 cOrp nmLS id 174457

407.985.7810 813.523.4910 239.209.8891 904.513.7955 954.205.5801

1540 international pkwy. 2111 W. Swann ave. 801 Laurel Oaks dr.

822 a1a north 950 S. pine island rd.

Suite 200

Suite 200 Suite 402

Suite 310 Suite a-150

Lake mary, FL 32746 Tampa, FL 33606

naples, FL 34108 ponte verde Beach, FL 32082 plantation, FL 33324

Founded in 1999 and with offices coast to coast, imortgage has a loan for every home. When looking for your next home loan in Florida, please give one of our experts a call!paul ramosregional manager

• Co-branded marketing• Industry networking

• Custom marketing• Tradeshow/event support

Dream homes come in all different styles and sizes and so do our loans. We offer

dozens of loan products to accommodate just about every borrower out there.

A Dream Home

Deserves a Dream Loan.

Available loan programs include... - FHA | - FHA with CalHFA CHDAP 2nd

- FHA with CHF Platinum Grant Assistance | - Conventional, 5% Down LPMI

... for details on these and other loan programs, call us at (661) 616-6730.

To get pre-qualified, call (661) 616-6730.

the Gannon TeamRates, terms, and availability of programs are subject to change without notice. Licensed by the CA Department of Business Oversight CRMLA 4131040. Corporate NMLS ID 174457. All rights reserved. 04212014

11200 River Run Blvd., Suite 100

Bakersfield, CA 93311

www.imortgage.com/Kristy.Gannon

Kristy Gannon | Sales Manager | NMLS ID 245918

I’ve Made a Professional Move.I’m still providing excellent service but now at an

incredible new location!We have a loan for every home ...simple as that.®

Jenny LeMobile (714) 472-8626jenny.le@imortgage.com

At imortgage, we take customer service to the next level.

Eliant selected imortgage to become its only “Eliant Certified” lender in 2012 because of the strong customer-centered culture present across all imortgage branches.

Eliant’s “Certification” program educates our Loan Consultants to consistently deliver an incredible customer experience to every homebuyer.

To hold Loan Consultants accountable, each borrower is asked to complete a brief survey evaluating the mortgage experience several days after the closing.

These surveys are used to determine the Loan Consultants’ and branch’s Certification level, either Bronze, Silver, or Gold. The results are dramatic - we boast a 93.2% average across all loan consultants.

After just one year, homebuyer surveys verify that imortgage is now the highest rated lender out of the dozens of major lenders surveyed by Eliant in the U.S. and Canada.

“This commitment to being the best, to rise to the top, is based on imortgage’s firm commitment to the delivery of an extraordinary customer experience, not just on closing the loan on time.”

– BOB MIRMAN, Eliant

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A solid foundation in Builder BusinessHaving been connected to builders for years, imortgage understands the new home purchase process and works with our builder partners and their buyers every step of the way.

We create, finance, process and close mortgages on new construction homes so homebuilders can make the right sale. In turn, our partners sell more homes, experience higher profitability and improve customer satisfaction.

Eliant Certification

Eliant, the leader in the creation of dynamic customer-experience solutions for the homebuilding industry, has trained each of our Loan Consultants and lending staff to deliver an extraordinary mortgage experience to every one of our homebuyer clients.

imortgage is the only lender in the United States to have earned the distinction of being Eliant Certified. It testifies to our commitment to providing excellent customer care. And that benefits our partners as much as imortgage.

Build

er P

rogr

ams Builder Programs

“Our expertise in building joint venture relationships with builders runs deep in our DNA. We are structured to share builder opportunities across regions and states as a national builder

lender with our established network of Regional Builder Sales Managers as support.”

– MIKE SURGES, National Strategic Alliance Manager

Here is a small sampling of our unique solutions:• Builder Express

An Exclusive Program for our builders’ clients that have selected imortgage as their preferred lending partner offering a fully underwritten loan approval (subject to conditions) within 72 hours of application allowing for a streamlined, on-time closing.

• Escrow Holdbacks Does a customer need a swimming pool or want outside flooring? imortgage will escrow funds for the flooring or the pool to be completed after close of escrow.

• Extended Locks Lock an interest rate up to 9 months with a free 30 day float down prior to close.

• Dedicated Condo Department We have a Condo Department dedicated to providing support to our homebuilder partners obtaining condo approvals through FHA, VA, Fannie Mae CPM, and Fannie Mae PERS.

Compare us to the others.

The benefits of being an imortgage loan consultant add up ... simple as that.®

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□ □ □ Competitive Compensation Package □ □ □ Flat Management Structure Designed for Agility□ □ □ Solid Track Record with a Strong Financial Base□ □ □ Direct Lender for FNMA, FHA, VA, USDA□ □ □ Suite of Renovation Products with In-House Disbursements□ □ □ Active Participation in State and Local Government Programs□ □ □ DU Available at the Point of Origination□ □ □ Local and Corporate Fulfillment□ □ □ Competitive Pricing and Ability to Broker□ □ □ Ginnie Mae Seller Servicer / GSE Seller Servicer□ □ □ President’s Club Recognition and Rewards Trip□ □ □ Company-wide Annual Service Award Celebration□ □ □ Loan Consultant Website with Fast Application Capability□ □ □ Marketing Portal and In-House Marketing Support□ □ □ Customer Relationship Management (CRM) Solution□ □ □ Complete Loan Servicing Platform / Capability□ □ □ Medical Insurance Plan with Flexible Spending Account□ □ □ 401(k) Plan with Company Match□ □ □ Company-Paid Life Insurance and Disability

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“It is our mission to create an environment where you will achieve individual and collective success. We want imortgage to be the last stop in your mortgage career.”

– DEAN BLOXOM, President

“Everyone at imortgage goes the extra mile to make sure we are providing a smooth and worry-free experience for each customer, whether they are buying their first home, a retirement home, or investment property. It truly is ...simple as that.”

- JONATHEN ADAMS, Senior Loan Consultant - Medford, OR

“I love imortgage. It is the best company to work for! I can’t say enough about the wonderful people let alone the programs, underwriting, processing and amazing culture.”

- MAUREEN TORRETTO, Loan Consultant - Tracy, CA

“imortgage has become more than the place where I work, it is my home. The people I work with everyday are very valuable to me. They are all integral to my success, and are willing to follow any path I choose to take to help grow my business.”

- MARK MARTINEZ, Sales Manager - Laguna Hills, CA

“imortgage continues to grow because we engage the hearts and minds of our customers, partners and employees who are dedicated to doing the right thing.”

- LISA GUSTAFSON, Loan Consultant - Fort Collins, CO

Relax! We are here to help you through the licensing process.Our knowledgeable staff is available to answer your questions and provide one-on-one assistance through the process of obtaining your mortgage originator license or in transitioning your current license to imortgage.

We offer full support and guidance through your personal licensing action plan, which is efficient, cost-effective and easy to follow.

You can feel confident knowing imortgage will be by your side every step of the way as you advance toward achieving your professional goals.

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“imortgage has two dedicated Licensing Coordinators to assist with any licensing-related issues or questions. We do everything but complete the education and pass the tests!”

- KELLI WALKER, Business Administration Manager

Loan Consultant Testimonials

Why you should choose imortgage in the words of some of our top producers...

...simple as that.®

loanDepot.com, LLC dba imortgage Corporate NMLS 174457. All Rights Reserved. Equal Housing Opportunity.