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BANKING | LENDING | INVESTINGPrivileged and Confidential
WELCOME TO EVERBANKStability. Growth. Innovation.
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2BANKING | LENDING | INVESTINGPrivileged and Confidential
ABOUT US
Why EverBank? With us, you’ll get the entire package
• StabilityofEverBank.We’veweatheredthevolatilityofthelastfewyearsandhaveexperiencedstronggrowthduringthistime
• Commitmenttosubstantiallygrowingourretaillendingchannel
• ExtensiveproductlineincludingourPreferredPortfolioJumboproductaswellasconventionalandgovernment-supportedloans
• Regionally-basedoperationalandmarketingsupportcombinedwithafocusonservicetomaximizeyoursalesefforts
• Completecompensationpackage
Products, service and a complete benefits package
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3BANKING | LENDING | INVESTINGPrivileged and Confidential
STRENGTH AND STABILITY
Standing apart as one of the nation’s strongest and healthiest banks1
Ourrootsspanbackovermanydecades—towhenwewereamortgagecompanyonly.Yetnow,EverBankhasevolvedintoone of the fastest growing financial institutions today.
Ourcompanyhaschanged,butourdiversifiedbusinessmodelandstrongriskmanagementpracticeshaveremainedconstant.Asaresult,we’ve experienced record growth.
Nearlyadecadeofstrongandconsistentassetgrowth1. Rating provided by BauerFinancial as of 6/30/2011, www.bauerfinancial.com
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4BANKING | LENDING | INVESTINGPrivileged and Confidential
STRENGTH AND STABILITYContinued
AsthelargestbankheadquarteredinFlorida,it’seasytosaythatwe’restrongandstable.Thetrueevidenceisinthefinancialswe’vepostedandtherecognitionwe’vereceived.
EverBank Financials
• Consistentdouble-digitreturnsonequityeveryyearsince2000
• Compoundgrowthrateof29%forthe7-yrperiodending12/31/2010
Rankings we’ve received for strength and stability
• 4starsbyBauerFinancial
• “A”byInstitutionalRiskAnalytics1
• EverBankishighlyratedbyIDCFinancialPublishing,Inc.2
1. Rating provided by Institutional Risk Analytics as of 06/30/2011.
2. EverBank has been highly rated by IDC Financial Publishing, Inc since 2007. For more information see the IDC Financial Publishing Inc. website.
Our institution is rated4-stars by BauerFinancial
www.bauerfinancial.comAwarded June 2011
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5BANKING | LENDING | INVESTINGPrivileged and Confidential
FAMILY OF SERVICES
EverBankmeetstheneedsofagrowingallegianceofapproximately600,000individualsandbusinessesinanincreasinglycomplexfinancialworld.
Banking High-yielddepositaccountsandbusinessbanking
World Markets Foreigncurrencyandnon-FDIC insuredpreciousmetalsaccounts
Lending Mortgagefinancingforpurchasesandrefinances
EverBank Wealth Management, Inc.1
ComprehensivewealthmanagementservicesfromEverBankaffiliate
1. EverBank Wealth Management, Inc. is an investment advisor registered with the Securities and Exchange Commission. It is not a bank. EverBank Wealth Management, Inc. may recommend or make available products and services offered by its affiliate, EverBank, a member of the FDIC, and EverBank’s subsidiary, EverTrade Direct Brokerage, Inc., a broker dealer registered with the Securities and Exchange Commission and a member of FINRA and SIPC. Investment and services offered through EverBank Wealth Management, Inc.:
Are Not FDIC Insured
Are Not Bank orGovernmentGuaranteed
Are Not Deposits of EverBank
May Lose Value
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6BANKING | LENDING | INVESTINGPrivileged and Confidential
EverTrade Direct Brokerage, Inc.1
Domesticandglobalinvestmentservices
EverBank Advisor Services
EverBank®mortgageandbankingproductsofferedthroughfinancialplanningfirms
EverBank Commercial Finance, Inc. 2
SpecializedequipmentfinancingtobusinessesfromEverBanksubsidiary
Everhome Mortgage Loanservicingandsub-servicing
1. EverBank is an FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a separate, but affiliated company of EverBank. Investment products and services are provided by EverTrade Direct Brokerage, Inc. and:
EverTrade Direct Brokerage, Inc. is registered as a broker/dealer with the Securities and Exchange Commission and is a member of the FINRA/SIPC.
2. EverBank Commercial Finance, Inc. is a subsidiary of EverBank and is not itself a bank or a member of the FDIC.
Are Not FDIC Insured
Are Not Bank orGovernmentGuaranteed
Are Not Deposits of EverBank
May Lose Value
FAMILY OF SERVICES Continued
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7BANKING | LENDING | INVESTINGPrivileged and Confidential
RETAIL LENDING
Meet Retail Lending
You’llbesupportedbytheresourcesofanationalbank,withacomprehensiverangeofmortgagesandadedicatedteamtohelpyouclosequicklyandefficiently.
Home financing for local families nationwide
We lend in all 50 states and can provide financing for:
• Primaryresidences
• Secondhomes
• Condos
• Investmentproperties
• Andsomuchmore
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8BANKING | LENDING | INVESTINGPrivileged and Confidential
RETAIL LENDINGContinued
Benefit from the resources of a national bank
BecomepartoftheEverBankteamandexpect:
Superior capability to meet the needs of your customers
• Comprehensivesuiteofproductwithavailabilityinall50states
• Financeprimaryresidences,condos,secondhomesandinvestmentproperties
• OurPreferredJumboPortfolioProductgivesusthecompetitiveedgeoverothers.Wehavetheabilitytofinanceupto$3millionplustheflexibilitytobetterhandleyourcustomers’uniquelendingneeds
Competitive commission with comprehensive benefits package
• Commission-basedcompensation—opportunityforsubstantialincomepotentialplustheresourcestogrowyourbookofbusiness
• Comprehensivebenefitspackage—companymatched401K,profitsharing&savings,health&dentalinsuranceplusmore
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9BANKING | LENDING | INVESTINGPrivileged and Confidential
RETAIL LENDINGContinued
Marketing support • Dedicatedteamtohelprightfromthedayyouarrive
• Marketingrelationshipmanagerstodevelopeffectiveprograms,in-housecreativeteamandaproductionteamtodeliveryourpersonalizedmaterials
• Afullsetofmarketingmaterialsareavailabletoyou—customizethesematerialswithyournameandcontactinformation.
• Introductorymaterials—businesscards,announcements,salescollateralandmore
• Personalwebsite,onlineandprintadvertising
• Flyers,brochures,postcardsandemails
Benefit from the resources of a national bank — continued
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10BANKING | LENDING | INVESTINGPrivileged and Confidential
MORTGAGE SOLUTIONS
Weofferawidearrayofmortgages—manythatthataren’treadilyavailableelsewhere.
• Offersmoreflexibilityandbettercapabilitytomeetyourcustomers’uniqueneeds
• Financingfor:
• Primaryresidences,secondhomesand investmentproperties
• Limitedcashoutonprimaryresidences andsecondhomes
• 1-unitsinglefamilyresidence
• FannieMaeeligiblecondosandPUDs
• Escrowwaiveravailableatnocost
• 720minimumFICO
• 10-and15-yearfixedterms
• 5/1,7/1,and10/1ARMterms10/1-ARM not readily available elsewhere
• InterestonlyandLIBORoptionsavailableInterest only not readily available elsewhere
EverBank’s Jumbo Preferred Portfolio—providing financing up to $3 million
Provide more flexibility to customers
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11BANKING | LENDING | INVESTINGPrivileged and Confidential
Conventional Loans
Fixed rate mortgages
• 10-,15-,30-and40-yearterms
• Interest-onlyoptionavailablefor30-yearfixed
• Financingforprimaryresidences,condos,secondhomesandinvestmentproperties
• 620minimumFICO
Adjustable rate mortgages
• 15-and30-yearterms
• Offer3/1,5/1,7/1and10/1ARMs—10/1 ARM not easily found elsewhere
• Interest-onlyoptionavailableonallARMsand30-yearfixed
• Financeprimaryresidences,condos,secondhomesandinvestmentproperties
• 620minimumFICO
MORTGAGE SOLUTIONSContinued
We offer terms not easily found with the competition
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12BANKING | LENDING | INVESTINGPrivileged and Confidential
Government-sponsored loans
FHA mortgages1
• Greatfor1sttimebuyersorcustomerswhomightotherwisenotqualifyforaloan
• Lowdownpayments
• Lowclosingcosts
• Loosenedcreditqualifications
• 620minimumFICO
HomePath mortgages
• ForFannieMae-ownedpropertyonly
• Lowdownpayment,flexiblemortgageterms,nomortgageinsuranceandnoappraisal
• 620FICOscore
MORTGAGE SOLUTIONSContinued
1. Loan is insured by the Federal Housing Administration through an FHA–approved lender.
VA mortgages
• Providehomefinancingtoeligibleveteransinareaswhereprivatefinancingmaynotbeavailable
• 15-,20-,25-and30-yearfixed
• Lowclosingcosts
• Loosenedcreditqualifications
• Upto100%LTVonpurchases
• 620minimumFICO
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13BANKING | LENDING | INVESTINGPrivileged and Confidential
OPERATIONAL SUPPORT
Close quickly and efficiently with the support of a dedicated operations team
Focus on service so you close loans on time
• Fullydedicatedteamconsistingofprocessors,underwriters,andcloserscommittedtogettingyourloanstoclosing—quicklyandhasslefree
• Teamapproachwithlocalloanofficer/processingpairings
• Experiencedprocessorsthatknowandunderstandyourmarket
• Underwritersandcloserslocatedregionally
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14BANKING | LENDING | INVESTINGPrivileged and Confidential
MARKETING SUPPORT
You’ll have a dedicated team to help you from the day you arrive
• Dedicatedteamtodevelopeffectivemarketingprogramsforyou
• In-housecreativeteamincludingwriters,graphicartistsandwebdevelopmentexpertssupportthelendingdivision
• Productiongroupthatwillhandleeverythingfromemailcommunicationsanddirectmailtoprintproduction
• Fullsetofcustomizablemarketingcollateral,including:
• Introductorymaterials—businesscards, announcements,salescollateralandmore
• Personalwebsite,onlineandprintadvertising
• Flyers,brochures,postcardsandemails
Apply Now | Resources & Tools | Learning Center | Company Info
CONTACT INFORMATION
John DoeTitleDirect: (000.) 000-0000
Cell: (000) 000-0000
Email: Send Email
Keep the mortgage process advancing with speed and efficiency
Juststartingtolookatamortgageorwonderingwhatthestatusofourloaninprogressis?Eitherwaytakeadvantageofthesegreatresourcethathelpyoustartthemortgageprocessandmanageitquicklyandeasily.
Start the mortgage process
ShortApplication.Take5minutestocompleteandprovidesenoughinformationsoIcanpullcreditandreviewbasicinformation.
FullApplication.Thecompleteapplicationthat’seasytounderstand.
FreeConsultation.Notsurewhatyourmortgageneedsare?ProvidemewithyourcontactinformationandI’llcallyou.
Manage the process efficiently and securely
Oursecure,confidentialonlinedocumentssolutionhelpsexpediteyourloanprocess.
• Viewrequestsfordocumentsandfaxdocumentstoatoo-freefavthatdeliversthedocumentsintoyourloanfile
• Automaticallyconvertpaperdocumentslikebankstatementsofappraisalsintoelectronicimageswhicharealsostoredforyou
Need help?
Wheneveryouneedhelp,givemeacall.ireceiveelectronicnotificationsonanyactivityinyourfilesoI’malwaysontopofyourcurrentstatusandreadytohelp.Mygoalistoprovideyouwithasecureandfirst-ratecustomerexperience.
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©2011EverBankAllrightsreserved
> HOME
> FULL APPLICATION
> SHORT APPLICATION
> FREE CONSULTATION
> CHECK LOAN STATUS
> ABOUT EVERBANK
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15BANKING | LENDING | INVESTINGPrivileged and Confidential
COMPENSATION PACKAGE
Between the commission and benefits we offer, your total compensation package is extremely competitive—and often higher than other lenders
Total compensation is often higher than others
• Competitivecommissionschedule
• EasyNMLSregistration
• Monthlydollarallocationtouseonourmarketingmaterials
• Insurance—health,dentalandvisionoptions1
• Retirementplanning—Companymatched401Kplanaswellasprofitsharingandsavings1
1. Health and dental insurance benefits, vision options and retirement planning are available based on the eligibility equirements. EOE. M/F/H/V EverBank supports a drug free workplace.
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16BANKING | LENDING | INVESTINGPrivileged and Confidential
BENEFITS
Benefits package that many of our competitors don’t offer
Mortgage Loan Officer Benefits1
Commission schedule • Highlycompetitive,seecommissionschedulealsoenclosed
Easy NMLS registration • OnceyoumoveyourregistrationtoEverBankwepayforyourrenewalsandmanageanyrequiredreportingtotheNMLS
Marketing budget • Monthlydollarallocationtouseonourmarketingmaterials
Insurance
Health and dental • Coveragestartsthe1stdayofthemonththatcoincideswithorfollowsyourhiredate
Health Savings Account • Availableforemployeesparticipatinginahighdeductiblehealthplan
Health and dependent care flexible spending accounts
• Usingpre-taxdollars,fundsfromeachpaycheckaredepositedintotheseaccounts.Coversnon-reimbursedmedicalcostsandoutofpocket,work-relateddependentdaycarecosts
1.AllbenefitsintheInsurance,VoluntarybenefitsandRetirementplanningsectionsareavailablebasedontheeligibilityrequirements.EOE.M/F/H/VEverBanksupportsa drugfreeworkplace.©2011EverBank.Allrightsreserved.
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17BANKING | LENDING | INVESTINGPrivileged and Confidential
BENEFITSContinued
Long-Term Disability, Basic Life Insurance, and Accidental Death and Dismemberment Insurance
• Coveragestartsthe1stdayofthemonththatcoincideswithorfollowsyourhiredate
Voluntary Benefits
Vision • Coveragestartsthe1stdayofthemonththatcoincideswithorfollowsyourhiredate
• Coversroutineeyecare,includingexams,glasses(lenses&frames)andcontacts
Retirement planning
401K • EverBankmatches$1.00for$1.00onthefirst3%ofcontributionsand$.50onthedollarforthefourthandfifthpercentageyoucontribute
• Vestedimmediatelyinthecompanymatch
Profit Sharing and Savings • AnnualcontributiontothePlanthattheBoardofDirectorsmayauthorize.Asthecompanydoeswell,sodoyou
• EverBankBoardofDirectionshasauthorizedacontributionforthepast16consecutiveyears
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18BANKING | LENDING | INVESTINGPrivileged and Confidential
CONTACT US
Join the EverBank team
Contact us
© 2011 EverBank. All rights reserved. 11NHL0119.2