Loan Officer Guide

our

SUPPORT

page 3

our

CULTURE

page 7

our

TESTIMONIALS

page 9

our

GROWTH

page 15

our

SUPPORT

Welcome Warriors Sultans of Sales

RWM Home Loans’ Welcome Warriors Have a tricky deal? Contact our Sales
will support you in your transition from Support Team! Our Sales Support Man-
your first day through six months and agers and sta are dedicated to finding
beyond. Your first two weeks will be answers to your toughest questions.
comprised of individual trainings with Out of the box scenarios, guideline
RWM’s best, in order for you to get questions, loan placement issues all fall
completely comfortable with the pro- within the scope of our Sultans of Sales.
cess and to put you in the best position In addition to providing individual sup-
possible to maximize your originating port on your files, our sales support
e orts. You will have dedicated sales team also provides trainings and asks
support and processing while you tran- for feedback to make the loan o cer
sition to minimize changing pains. experience as great as possible!

Marketing Gurus Credit Crunchers

CRM Sytems, Social Media, Online Loan Submit a file with confidence when you
Applications, SEO, Multi-Channel Com- utilize our Underwriting Support Desk.
munication, Graphic Design, Branding, Gone are the days of guessing on
Events, Print Collateral. We get it, it can income or digging for guidelines. Our
be a bit much. At RWM, we do the leg credit experts are here for you to make
work so you can focus on what you are the best case possible for your clients.
best at, serving your clients. Our mar- Hear from an underwriter on day one
keting gurus have developed a robust so that there are no surprises on day
platform to support you in the areas 25. At RWM, everyone is working
you need. Made by loan o cers for loan together to support the American
o cers, we give you the tools to stand Dream by providing homeownership to
out and succeed beginning to end. as many clients as possible.

Market Maniacs Quality Control

We understand the landscape our loan FCRA, GLBA, RESPA, HMDA, TRID,
o cers are competing in, and focus on ATR, SAFE, TILA, UDAAP, ECOA, the
the slight edge it takes to win deals. At list goes on and on. As compliance has
RWM, our internal Secondary Team is in continued to become increasingly more
your corner analyzing the market and complex, RWM has focused on staying
putting you in the best position possi- on the forefront of changing legislation.
ble to win. As a RWM Loan O cer, you Our quality control team represents our
will receive daily market updates, have internal disclosure desk, our marketing
an internal lock desk, a voice with compliance team, our auditing team,
upper management, and access to a and our cyber security team, to name a
wide variety of competitive products to few. You can rest easy knowing we have
meet the needs of your clients. you covered.

Support Squad The Closers

RWM’s Support Squad is comprised of Rounding out our Support System is
all the people involved in bringing your our infamous Closing Department.
transactions to fruition. Our Disclosure Knowledgable, supportive, and orga-
Desk, Ops Support Team, Processors, nized, our Closers are the best in the
and Underwriters all play vital roles in business! Our Closers work with loan
supporting your clients. We have spent o cers to facilitate their requests and
25 years designing a process that is as needs to create the best experience
e cient as possible to create the most possible for every party at, what can be,
optimal consumer and loan o cer a tense part of a transaction. This team
experience. With confidence in the operates as an extension of our loan
process, you can focus your e orts on o cers with an equl ambition to close
origination, we have got the rest. on time whenever possible.

2018

MARKETING

1,400 One component to RWM’s web presence is
social media. In 2018, we posted over 1,400
Social Media Posts times across multiple social media platforms.

31 We provide turnkey event planning services
for corporate events, workshops, seminars,
Sponsored Events grand openings, trade shows, and more!

127 Access our extensive library of custom assets,
designed to boost your business and stand
New Collateral Created out from your competitors.

466 Online Reviews can build a great reputation
online. Use our automated system to solidify
Online Reviews clients, gain trust, and increase exposure.



our

CULTURE

Every Client, Every Time

Clients don’t care about how
much know until they know how
much you care.

Yes B efore N o

We l i ve t he cu ltu re of “Ye s ”. We
always exhaust all our options
in every situation.

It’s About What is Right

It is not about who is right, it is
always about what is right. No
excuses, innovate and execute.

Finding a Better Way

It is our responsibility to find a
better way for every thing we
do. We figure it out together.

our

TESTIMONIALS

Hear from a few of our key branches and
loan o cers.

RWM Home Loans is an organization that’s success is a
direct result of the quality of people we align ourselves with.
For over 25 years, we have organically grown by developing
relationships with talented, integritous, and hard working
people that make up the fabric of the organization. We seek
to partner with like minded individuals and teams who we
can add value to, learn from, and grow alongside with long
term. In the following pages, hear some experiences from a
few of our key branches and loan o cers.

At RWM, our Loan O cers
are at the center of every-
thing we do. Loan O cers
have a seat at the table,
their opinions matter, and
all of our decisions are
based on the wholistic
success of our sales
people.”
ALEX BARNETT

DIRECTOR OF LENDING

our

HOME BASE

Bringing the process in house
since 1994.

Our corporate headquarters is located in
San Diego, California, and is home to
many of our top originators in addition
to the majority of our support sta . Here
you will find our in-house processing,
underwriting, and closing teams as well
as upper management sta . Come meet
the team and take a tour in the place we
love to call home.

“RWM Home loans is the ideal platform for the
self-driven loan o cer. We have the best technol-
ogy deck to support your current marketing e orts
with rates and programs that fit nearly every bor-
rower situation. We do whatever it takes to get
your loans closed!”

SCOTT MORSE • MORTGAGE BANKER

rancho

BERNARDO

Focus on originating rather
than babysitting at RWM.

Our Rancho Bernardo Branch joined
RWM in 2017 with the goal of boosting
production by taking advantage of our
process and support system. Since then,
they have had increased volume while
decreasing stress. They have been able
to focus on originating, growing their
branch, and serving their clients. We are
honored to work alignside them.

“I have been a mortgage banker for twenty-seven years.
As the industry increased in complexity, I aligned myself
with a full-service, compliant, and progressive company.
Most importantly, I wanted a company that breeds cul-
tural integrity. It is critical that my clients are treated
with respect and care throughout the entire process.
Since joining, my production has increased directly be-
cause of the culture and process at RWM.”

SEAN KELLY • MORTGAGE BANKER

aliso

VIEJO

Thankful for the talent and
support at RWM.

Our Aliso Viejo Branch came to fruition
in early 2018 as a result of supporting a
top producing originator in his vision to
manage a branch in his hometown. One
year later, our Aliso Viejo team is a
group of talented loan o cers who are
embedded in their communities and em-
ulate values, service, and character that
are the fabric of RWM.

“After 24 years at one firm, changing companies was a daunting prospect. Passing
$1 Billion of closings brought no shortage of recruitment attempts. When the time
came to make a choice of where to move, my clients’ well-being had to come first.
It was a process of researching the best possible fit for values, technology, vision,
leadership, product o erings, and most importantly – the people behind these
essentials. Only 1 place had it all. RWM. They were the perfect blend of: big
enough to have the best, and small enough to care. It was their people who stood
out the most. Every person here cares about the clients. “Can do” was the attitude
I came from and built my practice around, and only RWM had people with as
much, and perhaps more, “can do” running in their veins. They help an originator
not just to look good, but look GREAT, to their clients and referral partners. I’m so
glad I made the change. I’ll never have to move again.”

RICK GEARY • BRANCH MANAGER

our

GROWTH

12 150
Te a m
States We Members
Lend In

$400 3x

Million Funded Growth
Annually Since 2008

For more information, visit

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