Bay Equity Recruiting

A MESSAGE FROM TIM DOUGLAS & SCOTT SWINDLE

TIM Q3 and the Record Breaking Growth!
DOUGLAS
Bay Equity Home Loans is honored to be named one of the fastest growing 5,000
Branch Manager companies in the U.S. by Inc. magazine. Between calendar 2012 and 2015, Bay
NMLS# 181462 Equity’s yearly revenues grew 168 percent.

SCOTT And, there’s no sign of that growth slowing down! In August, 2016, Bay Equity Home
SWINDLE Loans broke its monthly records for volume and units for the fifth time with over $500
Million funded for the month
Business Development Manager
NMLS# 76988 CEO Brett McGovern said, “Yet another record is a direct result of our strategy to hire
only the best of the best, to make a significant investment in our people and having
what I will argue is the best Operations Team in the industry.”

“Our success is a testament to our sales teams’ tireless dedication to doing things the
Bay Way.” McGovern said. “Our employees are the reason we continue to achieve
these awards and honors.”

The addition of our new web based Bay Equity document platform launched in the first
quarter has enabled our clients to actively engage in the loan process 24/7. This real
time access to all documents has improved communications, our clients love it, and
our sales and operations teams are streamlined for success! (Delete?)

We are extremely proud of our closing times. Our average time between
submission and Clear to Close was 19.7 business days. From submission to
funding, the average was 25.1 business days. On average, we were Clear to
Close more than 5 days ahead of our closing dates.

Our performance is just one of the reasons mortgage professionals choose to work
here. Bay Equity has a unique family culture with a focus on supporting employees
and helping them achieve their goals, hopes and dreams.

We invite you to get to know our people, our systems and the Bay Way.

We are confident you will like what you see.

“Congratulations to
Jay White for leading our

newest branch in
Acworth Georgia”

The southeast division of Bay Equity Home Loans has it’s headquarters in Alpharetta, Georgia. Our
operations department handles everything from the time the loan is originated to the time it’s funded.

We strive to offer the best platform for our loan originators to grow their book of business by offering what
others simply can’t.

GEORGIA OFFICES NORTH CAROLINA OFFICE
Acworth, Atlanta, Alpharetta*, and Kennesaw , Asheville

SOUTH CAROLINA OFFICE TENNESSEE OFFICE
Lexington Dandridge

MORE THAN YOUR AVERAGE MORTGAGE COMPANY

► Fannie Mae, Freddie Mac, Ginnie Mae Direct Lender ► Jumbo loans up to $3 Million
► Manual Underwrites down to 580
► No credit score programs, alternative credit allowed ► Delegated Mortgage Insurance Products
► 580-619 no DTI max with AUS approval
► Follow-DU Findings /LP Findings ► Non-QM Outlets – Bank statement loan, reduced
► HARP-DU Refi-Plus and Open Access unlimited LTV seasoning on major derogatory credit events
► Jumbo 90% LTV up to $850,000 Loan Amount
► 95% up to $625,500 Loan Amount ► Manufactured Homes financing allowed on all agency
► HUD Full Eagle FHA, VA, and Reverse Mortgage products
► USDA down to 620 with GUS Approval
► 203K Loans (down to a 620 credit score) and
Homestyle Renovation Loans

► Long term locks fully refundable on Conventional
and Government

► Loans for Hero’s Program

► Corporate Care B2B Program – Small to mid size
company initiative

CONNECT WITH YOUR CLIENT

WEB BASED BAY EQUITY DOCUMENT PORTAL

- An interactive, secure, web based document management portal designed to automate
and simplify the process of collecting loan documents from your borrowers.

► LO, Borrower and Operations Team have 24/7 access to Active Loans
the portal.

► Promotes client engagement in the process

► Includes pre-loaded, easy to use loan program templates Pipeline Status
for purchase or refi and can be customized for additional
required documents.

► Integrates fully with Encompass…upload your documents
with the click of a button!

► Automatically sends email with documents needed for each
client’s specific loan requirements.

► Increases overall efficiency of document collection and
communication due to real time shared information.

Safe • Secure • Efficient • Easy
The New Era Of Mortgage Banking!

MOBILE MESSENGER

Mobile Messenger – Send pre-recorded, personalized voicemail directly to cell phones

of your clients and referral partners.

► Upload your Excel spreadsheets and set up a “Mass Call.”
 Call 3, 6, 12 months post close – “Can you believe it has been a year?”
 Call when approval is issued – “Congratulations on your approval!”
 Call realtors with market/industry updates or to let them know you’re working on the weekends – “It’s going
to be a beautiful weekend; please call me if you need anything.”
 Call to wish borrowers a Happy Birthday…Invite them to an Event…”Say Thank you for coming!”
 Call when leads come in from your Zillow account – Setup an immediate auto-response to their phone call.

► The possibilities are unlimited and all costs are covered by the branch!

DATA MINER

Data Miner – Priceless Lead Generator program based on current and past clients

credit information and purchasing choices.

Monitors weekly activity of both qualified and non-qualified previous client database information for:
► Lender Inquiry - Alerts you when another lender inquires into your client’s credit.
► Credit Migration - Alerts you when your unqualified client becomes qualified. Take these back to your builder

or realtor as a NEW client.
► Predictive Alert – Determines the things a customer does 90 days prior to buying or selling and triggers

these clients.
► Experian and RESPA Compliant

Turning Leads into Prospects and Prospects into Buyers -
FOCUS your marketing efforts on the clients who need you!

PROMOTING YOURSELF WITH BAMM

Your Loan Officer Dashboard in BAMM:

Bay’s Automated Marketing Manager

A real-time Alert Panel that coordinates with your
BAMM Mortgage Concierge to highlight business
opportunities and trigger corresponding marketing
campaigns.

► Customer & Referral Partners:
Birthday, Loan Anniversary, Listing Alerts, etc.

► Pipeline: ARM Reset, MI Expiration,
Rate Savings, Lock Expirations, etc.

► Production Overview
► Monitor your total Marketing Footprint:

“Snap Shot” of your pipeline and hot prospects!

NEW FOR Q3 • BAMM REFI TOOL
Preset loan triggers auto populate leads to your Dashboard

CRM putting loans back in your pipeline!

THE BAY EQUITY ULTIMATE TAILGATER!

Use The Tailgater To Grow Your Business and
Have Some FUN While You’re Doing It!

The Bay Equity Ultimate Tailgater is perfect for…

► Open Houses
► Agent Caravans
► Grand Openings
► College & Professional Football Games
► And much more!

DEDICATED HANDS-ON TRANSITIONAL SUPPORT

YOU ARE READY TO ORIGINATE FROM DAY 1!

► Concierge Onboarding Program

► On-site, on-boarding team that works one on one with all team
members for a smooth transition

► Pipeline transition Loan Officers dedicated to your pipeline with
daily pipeline calls

► Designated onboarding Coach for all questions and support

► Marketing support with a personal website, business cards, TYLER EVANS
branding, collateral, clothing, etc.
Closed $6.7 Million
► Database transition so all contacts are put into BAMM for you. his first 90 days
at Bay Equity!
► Corporate Training: Web-based and in person

► Continuing Education - Bay University

► Technology and Product Training “I’ve been looking for the perfect mortgage company for about 10 years,
but my peers told me it didn’t exist. They said I should just
CLAY HENRY
accept the fact that no company could ever have great operations and
Closed $5.8 Million underwriting, a great sales platform, competitive rates, great technology
his first 90 days
at Bay Equity! and great leadership. They told me to just get over it and settle for
mediocrity. Then I found Bay Equity – this company is everything that a

contemporary, strong, cutting-edge mortgage company should be.
They constantly challenge the internal status quo in all areas and look

for ways to improve every month. I’ve never seen anything like it.

Senior Loan Officer - Paul Addison

INVESTING IN OUR LOAN ORIGINATORS

► Regional Sales Summit

► Synergizing BE Best Practices and programs with your Book of Business to drive additional
sales in today’s competitive purchase driven market.

► Follow up One on One strategy sessions

► President’s Advisory Council
► Representation in Washington – Independent Mortgage Bankers Executive Council
► Aggressive LOA Platform – 30% of all SE LO’s have LOA paid by branch
► High Trust Sales Academy with Todd Duncan
► Annual Chairman’s Circle & President’s Club
► #10 on 2016 Mortgage Executive Magazine's Best Companies To Work For
► INC Magazine 2016 - Fastest Growing 5,000 Companies in US

INVESTING IN OUR COMMUNITIES

“At the end of the day it’s not about what you have or even
what you’ve accomplished …it’s about who you’ve lifted up,
who you’ve made better. It’s about what you have given back”

~ Denzel Washington

EAST BAY STAND DOWN JOANN MCGOVERN MEMORIAL GOLF TOURNAMENT
Bay Equity Home Loans stands in support of needy veterans during “Bay Volunteer Day” September 16th, 2016 RAISED MORE THAN $40,000 FOR THE

Pancreatic Cancer Action Network (PANCAN).

THE WARRIOR FOUNDATION FREEDOM STATION NATIONAL MAKE A DIFFERENCE DAY
Bay Equity has contributed more than $133,000 to date Donating jackets and gloves

BUSINESS PARTNERSHIPS

In the spirit of home, family, and financial wellbeing, Bay Equity’s
Corporate Care Preferred Lender program is designed to actively
reach small and medium sized business owners by offering them
custom branded marketing tools and programs significantly
reducing their employees’ costs when buying or refinancing.

This unique program adds value to the employee benefits package
at no-cost to the employer and opens the door for the LO and Real
Estate partner to become the trusted source for all employee
mortgage related needs. The bond created by this relationship
increases potential for incremental volume and provides endless
opportunity for all.

Company benefits include: Employee benefits include:

• Promotes employer as true • Highly Competitive Rates
supporter of their employees • Complimentary Credit Review
• .25% Credit to Loan Fees
• Provides custom, company branded • Discounted Realtor Partner Fees
materials: website, brochures, • Superior Service Levels and Quick Closing
posters and more! • Mortgage Guidance Throughout the Life of the Loan

• Boosts employee morale

• Strengthens retention and recruiting
for employer

Have a referral partner you would like to co-brand with?

There is a $35 shared cost for our referral partners to cover co-branding in BAMM. This cost covers co-branding of email
communication/marketing and the three year post-close campaign. This fee is required to meet RESPA requirements.

This fee lasts for 3 years, then has to be renewed to continue co-marketing.

BUSINESS PARTNERSHIPS

A “Give Back” program offered exclusively by Bay HERO MARKETING
Equity Home Loans and participating Realtors. The
program is designed to give back to community • Dedicated Website &
heroes by significantly reducing the cost of buying Online Advertising
or refinancing a home.
• Community Events to
Lender Credit – helps the qualified Community raise awareness for
Hero pay for closing costs associated with their our Heroes
home purchase or refinance. Credit is a percentage
of the loan amount. • Co-branded Marketing
Materials available
Real Estate Agent Credit – Credit is 10% of
Agent’s commission earned as the Buyer’s Agent. Paul Addison and KW Agent,
Lara Dolan holding their
EXAMPLE SCENARIO >>
co-branded Loans To Heroes
Purchase Home Loan of $250,000 BIG check at the

Lender Credit Given: $250,000 x 0.25% = $625 Milton First Responders
Crooked Creek Golf Tournament
Real Estate Agent Credit Given =
($250,000 x 2.5%) x 10% = $625*

Total Savings = $1,250 credited back at closing!**

“Without the Loans to Heroes program I would not
have been able to buy my first house. Thank you
Bay Equity for your caring about U.S. Veterans and
your generosity for creating this amazing program.”

- John Harrison, United States Army (Ret.)

*Calculation is an estimate based on customary realtor commission and splits. **Savings example above is for educational purposes only and subject to changed based on transaction specifics, including but not limited to: purchase price, loan amount, etc.

OUR TOP PRODUCERS

Even veterans of the Mortgage Industry have implemented the Bay Way Marketing Systems and
have increased their business substantially.

James Pulsipher April Janas Mona Edick
Started in 1994 Started in 1999 Started in 2003
2013 Production:
$57.7 Million 2013 Production: 2013 Production:
2016 YTD $11.07 Million $37.7 Million
$94.5 Million 2016 YTD 2016 YTD
$47.9 Million $55.8 Million
Jay White
Christina Cotner “From their thorough, detailed operations
Kennesaw • GA support to innovative, personalized automated
Alpharetta • GA marketing, Bay Equity’s unique culture and
Joined Bay Equity in Dec 2015 service provide everything I need for my
Joined Bay Equity in Dec 2015 business, my clients and my family.
2015 Production: I have finally found my home with Bay Equity.”
$17.7 Million 2015 Production:
2016 YTD Production – Sept 2016 $4.5 Million ~Christina Cotner
$27.3 Million 2016 YTD Production: - Sept 2016
Mortgage Career Record Breaker! $7.8 Million Senior Loan Officer
Highest Volume of Mortgage Career!

WE ARE LOOKING FORWARD TO WORKING WITH YOU

TIM SCOTT
DOUGLAS SWINDLE

Branch Manager Business Development Manager
NMLS# 76988
NMLS# 181462 803-466-3705
803-238-7519

943 E. Main Street | Lexington | SC | 29072

Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all
loans or products are available in all states. Bay Equity LLC, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965; NMLS ID#76988. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077;
Alabama Consumer Credit License #22011, Arizona Mortgage Banker License #0910340; Arkansas Combination Mortgage Banker-Broker Servicer License #101024808, Colorado Mortgage Company Registration #76988.; Florida Mortgage Lender Servicer
License #MLD1014; Bay Equity Home Loans NMLS #76988, 28 Liberty Ship Way, Suite 2800, Sausalito, CA 94111-4516, Georgia Residential Mortgage Lender Licensee #39887; Hawaii Mortgage Loan Originator Company License #HI-76988, Hawaii
Mortgage Servicer License #MS139; ; Idaho Mortgage Lender Broker License #MBL-7852; Illinois Residential Mortgage License # MB.6761094, Bay Equity Home Loans, 28 Liberty Ship Way, Suite 2800, Sausalito, CA 94111-4516, Illinois Residential Mortgage
License #MB.6761094 and #6850059 ; Indiana DFI First Lien Mortgage Lending License #27854; Bay Equity, Kansas-licensed Mortgage Company, Kansas Mortgage Company License #MC.0025218; Louisiana Residential Mortgage Lending License #76988;
Minnesota Residential Mortgage Originator License #MN-MO-76988.1; Minnesota Residential Mortgage Servicer License #MN-MS-76988.2; Montana Mortgage Lender License #76988; Nebraska Mortgage Banker License, Nevada Mortgage Broker License
#3918.; New Mexico Mortgage Loan Company License; Licensed as a Mortgage Lender by the Oklahoma Department of Consumer Credit. Oklahoma Mortgage Lender License #ML002582; North Carolina Mortgage Lender License #L-168181; North Dakota
Money Broker License #MB102667; Oregon Mortgage Lender License #4845; South Carolina BFI Mortgage Lender/Servicer License #MLS-76988, OTNN#1; South Dakota Mortgage Lender License #ML.05120; Tennessee Mortgage License #119622; Texas
SML Mortgage Banker Registration #76988 Texas Recovery Fund notice, Click Here : https://texreg.sos.state.tx.us/ds/201203137-2.pdf; Utah DRE Mortgage Entity #7953347, #8895148, #8895149; Washington Consumer Loan License #CL-76988; NMLS
ID#76988, click here: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988; Wisconsin Mortgage Banker License #76988BA; Wyoming Mortgage Lender/Broker License #2558; NMLS consumer access: www.nmlsconsumeraccess.org
BECH- 161115-6.0