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Published by bridget.clark, 2019-05-23 13:17:04

This is APM

This is APM 2019

This is

APM


SECTION HEADER

ii We create experiences that matter.TM­ | NMLS 1850


TABLE OF CONTENTS

This is APM......................................................................................................... 2
Our Core Values................................................................................................. 3
Who is APM?...................................................................................................... 4
APM Brand Vision.............................................................................................. 5
By the Numbers.................................................................................................. 6
Business Where You Need It............................................................................. 7
A Strategic Plan.................................................................................................. 8
A History of Growth.......................................................................................... 9
Build Your Business......................................................................................... 10
Leader in Products........................................................................................... 12
The APM Advantage........................................................................................ 14
Investing in Production................................................................................... 15
Branches are our Business............................................................................... 16
APM Events...................................................................................................... 18
APMCares......................................................................................................... 19
Diversity & Inclusion........................................................................................ 20
Meet our Team................................................................................................. 22
Where Branches Thrive.................................................................................... 28

apmortgage.com 1


STEHCISTIIOS NAPHMEADER Your Experience Matters.

2 We create experiences that matter.TM­ | NMLS 1850 You’re at the forefront of the brand
of American Pacific Mortgage. It’s
our quest and responsibility to create
experiences that matter to you. That’s
how we deliver to the consumer
together. It starts with you.

We foster a culture of support,
inclusiveness, and empowerment for all of
our employees, and are 100% focused
on doing whatever it takes to make our
branch managers and loan officers look
good in the eyes of the consumer. Backed
by an industry-leading culture, APM
provides the tools, products and resources
needed to instill confidence and craft
the best possible loan experiences and
solutions to your customer.

Discover what makes APM different
than other independent Mortgage Bankers.


Our values establish the behavior OUR CORE VALUES
of the APM brand and capture key
tenets of our organization. RESPECT

Simply put, they define how we act. WE ARE: Honorable, Noble, Intentional,
They guide us in our efforts, voice and Dependable, Caring, Inclusive
presence in the industry and remind us
how we show up as APM employees. TRANSPARENCY

WE ARE: Clear, Approachable, Direct,
Trustworthy, Insightful, Concise

SCRAPPY

WE ARE: Determined, Clever, Adaptive,
Resourceful, Forward-thinking, Resolute

apmortgage.com 3


WHO IS APM?

We Are... We Serve... We Provide...

•• Known for valuing the human •• Home buyers and homeowners •• A culture of empowerment

connections; we understand through our local retail branches and a solutions-first mindset
people matter
•• Military, first responders and •• Speed of transaction
•• 100% focused on making our
medical personnel with loans through cutting edge
branches and loan officers look specifically designed with them technology
good in mind
•• An abundance of tools &
•• Rated a best place to work by •• Builders, renovators, investors
resources to support our
our employees year after year and unique property buyers branches and loan teams

•• Recommended by our customers •• Realtors by delivering •• Professionally trained and

through their 5-star ratings experiences that matter to them qualified mortgage team
and their clients

If we are going to win, we must create unique experiences.
That starts with our employees and their experience with us.

—­ Kurt Reisig, Chairman

4 We create experiences that matter.TM­ | NMLS 1850


APM BRAND VISION

Our Vision Our Promise

At APM, our brand vision is Creating Experiences APM is 100% focused on making producers look
That Matter TM. In every interaction with us as good to consumers with the culture, resources
individuals and as a company, we let our customers and tools to thrive and deliver an outstanding
and consumers know that they matter. loan experience.

At APM, our customers are our loan officers, Our collective battle cry is to create individualized
branches and loan team – those serving their local and personal experiences for every home loan
communities in delivering homeownership. We are that we close.
committed to providing experiences that matter
to our employees each and every day. Our local
branches are committed to deliver experiences that
matter to the consumer.

We are not a transactional based company. We’re about the human
connection between our loan officers and consumers. At the end of the
day, we create experiences that matter.TM

—­ Bill Lowman, CEO & President

apmortgage.com 5


BY THE NUMBERS

*All stats as of May 2019

6 We create experiences that matter.TM­ | NMLS 1850


BUSINESS WHERE YOU NEED IT

SIX FULFILLMENT
CENTERS:

 Bellevue, WA
 Clackamus, OR
 Roseville 1&2, CA
 Novato, CA
 Denver, CO

License pending in 19 states

(see apmortgage.com for details)

123 32LICENSED IN 17BRANCHES IN 2,054

DESK RENTAL STATES STATES TOTAL
LOCATIONS EMPLOYEES

apmortgage.com 7


SAESCTTRIOANTEHGEICAPDLEARN APM’s leadership team has defined these
five key strategies as our core focus:
Having successfully navigated stormy
times in our industry and economy Deliver ultimate customer experience
for nearly 25 years, we have become Race to the consumer
the company of choice for mortgage Expansion coast to coast
originators who recognize that adaptability Brand awareness and digital footprint
and tenacity are central to remaining Commitment to distributed retail
successful in today’s industry. We have
proven that a company can execute
impeccably and retain its appreciation for
the producers who fuel the industry.

APM is relational in our approach to
our employees and our customers. Our
company is guided by leaders who
have had hands-on experience as
loan originators. This gives us a unique
perspective on generating new business
and delivering experiences that matter.

8 We create experiences that matter.TM | NMLS 1850­


HISTORY OF GROWTH

APM’s Production Highlights

9 Billion 8.2 Billion in Production
8 Billion
7 Billion
6 Billion
5 Billion
4 Billion
3 Billion
2 Billion

1996-2006 2007-2010 2011 2012 2013 2014 2015 2016 2017 2018

apmortgage.com 9


SBEUCILTDIOYNOHUERABDUESRINESS APM’s exclusive lead
nurturing platform.
10 We create experiences that matter.TM­ | NMLS 1850­
Converting leads into sales ready
opportunities for our branches.

We built state-of-the-art technology
that responds to lead opportunities
within seconds

We have virtual, trained assistants to
nurture leads and assist loan officers
and real estate agents with response
and tenacity

We support loan officers through
working their purchased leads, open
house/event or other various prospects

We partner with your real estate
agents, offering services to manage
and convert leads into opportunities

We return all sales ready opportunities
to you – live transfers available too

We nurture leads for up to 18 months

We help you win getting to the
consumer first!


BUILDSYECOTUIORNBUHSEIANDEESRS

Take advantage of APM’s production platforms & find new opportunities for your business to thrive.

WINNING WITH WINNING WITH WINNING WITH WINNING WITH

Credit Unions & Fixer Uppers Builders & Realtors &
Small Banks New Construction Brokerages

apmortgage.com 11


LEADER IN PRODUCTS

In addition to our agency and Jumbo product lines, we have an abundance of specialty products at APM

to provide you and your buyers a loan experience that is engineered to thrill with its ease and simplicity.

12 We create experiences that matter.TM­ | NMLS 1850


LEADER IN PRODUCTS

At American Pacific Mortgage, we have the products you need to cross the finish line. 

In addition to our portfolio products, we also have standard conforming, Jumbo, FHA, VA and others to satisfy the unique needs of your
clients. With in-house underwriting for conventional, jumbo and government programs – we stay in control every step of the way.

Conforming Options VA & USDA Options

•• Direct Lender with Fannie/Freddie, Fixed & ARMS •• VA financing up to 100%
•• 97% financing available with PMI & condos •• IRRRLs available
•• Purchases on properties owned less than 90 days with •• VA Jumbo
•• USDA Streamline Assist
unlimited increase in sales price with Fannie/Freddie
Down Payment Assistance Programs
•• HomeStyle® / Dream Home Renovation
•• Fannie/Freddie High Balance •• DAP available in certain state/counties (see approved list)
•• Fannie Mae HomeReady® •• MCC options available (restricted areas only)
•• Freddie Mac Home PossibleSM
•• Manufactured Housing allowed Jumbo Options

FHA Options •• 10+ Correspondent Delegated Lenders Available
•• In-House Delegation to $3M
•• Ginnie Mae direct lender
•• FHA streamline options with no overlays available Non-QM/Specialty Programs

including no income documentation •• Credit challenges/bankruptcy/foreclosure history
•• Income verification substitute with bank statements
•• FHA High Balance available •• Investor advantage program with alternative qualifications
•• No minimum trade line requirements •• Assets used for loan qualification
•• Manufactured housing allowed •• Bridge loans to use equity now while listed
•• FHA 203K / Dream Home Renovation available •• Second mortgages & combo loans
•• Manual underwriting available •• Medical professionals program, excluding student loan payments
•• Down to 580 credit score

apmortgage.com 13


STEHCETAIOPNMHAEDAVDAENRTAGE

APM offers two proprietary programs to provide security and
ease of business to our customers.

Keys On Time Program SecureLock Program

APM provides full underwriting loan Lock your customer’s rate up to 12
approval on a TBD property, providing months to secure peace of mind. With
accurate underwriting and assurance our SecureLock program, you can lock
of a loan commitment. 1 in today’s competitive rates while your
borrower shops, sells, or builds their
Includes: home. Take advantage of a one-time
float to market if rates improve. If rates
•• Most APM Products go up, your borrower is secure! 2
•• First Time Home Buyers
•• Owner Occupied
•• Investment/Second Home

Property Types

•• Single-Family Residences and

Condominiums

14 We create experiences that matter.TM­


INVESTING IN PRODUCTION

Marketing Technology Training

Originators at APM have a The mortgage industry is ever- APM is an innovator in
variety of marketing tools at changing, and APM is dedicated providing our branch
their disposal. From automated, to helping our originators be managers and originators the
database-driven marketing prepared and educated so they technology needed to thrive
campaigns to co-branded Realtor can be the best they can be. Our in today’s market. From lead
partner materials, social media Training Department is a one- source to loan closing,
support, publishing online reviews stop-shop for all your training the APM Edge technology
and even custom-made collateral, needs, including our CRM suite provides a competitive
there are numerous ways for marketing system, new product advantage to your real estate
originators to build their releases, skills training and partners and consumers with
business and reinforce existing technology advancements. mobile optimized processes
relationships. and improved communications
APM also provides business- resulting in effortless
building trainings through our transactions that will earn you
summits, symposiums, business rave reviews and repeat
planning and other specialized customers.
boot camps during the year.

apmortgage.com 15


SBERCATNIOCHNEHSEAARDEEORUR BUSINESS

We’re fanatical about supporting different branch models. Turnkey Solutions
We offer a variety of services and
We pride ourselves in providing top of the line marketing, operations training, resources so you can focus on growing
communication and ancillary support for several models of business. your business.

At APM, we value both the APM-brand, as well as the personal, local brands or Ask for more information.
dba models. For us it’s all about the communities we serve and operating in the
most successful way possible. APM will always be a place where DBA branches feel •• Operations & Banking Platform
welcome, where they feel they belong, and where they are able to grow and thrive. •• Product Development
•• Licensing & Compliance Management
We offer several branch models: •• Legal & Risk Management
•• Loan Processing
•• Corporate Branch •• Accounting/Payroll
•• Enterprise Branch •• Custom AMC Solution
•• Entrepreneurial Plus •• Human Resources
•• IMB Platform •• Employee Benefits Management
•• Branch Modeling Consultation
•• Robust Training Curriculum
•• Transparent P&L reporting
•• Cutting-edge technology platform
•• Marketing Management Systems

16 We create experiences that matter.TM | NMLS 1850­


BRANCHES ARE OUR BUSINESS

…and many more
DBAs & brands not listed

Top 25 DBAs as of 5.14.19

apmortgage.com 17


SAEPCMTIEOVNEHNETASDER THRIVE Experience our culture at APM
through any of the following
18 We create experiences that matter.TM | NMLS 1850­ events happening each year:

Summit

Spring Sales Rally packed with
leadership messages, sales tactics
and new releases.

Symposium

Fall two-day event with speakers,
education, motivation, coaching &
celebrating with our producers.

Business Planning

Local planning sessions to build out goals
and strategies for achieving success in
your professional and personal life.

Summer Roadshow

Bringing training & coaching to our
branches with a deeper dive on
relevant practices and information.


At American Pacific Mortgage, we know that it’s not APMCARES
what you say, but what you do that is important.
Community Outreach
We serve, because we love our communities– and that’s the
reason we founded APMCares. Our mission is to serve the needs A Community Outreach donation is used to
of individuals, families, and communities where we live and work. support a nonprofit organization, charity or
Encouraging and inspiring our core belief that people matter. private foundation which aligns with APMCares’
mission. Each donation will empower and serve
What is APMCares? individuals and families in our local communities
by providing resources related to shelter, food
The APMCares Foundation was created so we could empower and and clothing. (Examples: Habitat for Humanity,
serve individuals and families in our communities by providing the Loaves and Fishes.)
means for employees and partners to serve through financial and/
or time donations. Family Support

Since 2016, we have been able to help nearly 50,000 families and A Family Support donation will be used to
over 100 organizations. In addition, our employees have donated provide assistance to those in the APM Family
hundreds of volunteer hours to the charities in their local markets. who are currently struggling due to a recent
medical, financial or bereavement hardship.
Additionally, we can offer help for family tragedy
or events that disrupt lives and incomes. Your
generous donations will help make a positive
impact on the lives of those adversely affected
and will help strengthen the bond we share here
at American Pacific Mortgage

apmortgage.com 19


SECTION HEADER

20 We create experiences that matter.TM­ | NMLS 1850­


DIVERSITY & INCLUSION

About the Office of Diversity APM’s Diversity & Inclusion
Strategy encompasses all areas
The Office of Diversity was created in of the company including:
2016 out APM Leadership’s commitment
to provide access to the dream of •• Marketing
homeownership to all. The Diversity •• Recruitment
and Inclusion Initiative is fueled by our •• Partnerships
mission in Creating Experiences That •• Vendor Management
MatterTM while serving everyone in our •• Loan Products & Services
communities in their quest for owning a •• Engagement & Development
home, while also nurturing an inclusive,
diverse workforce. Do You Serve Underserved
Communities?
Mission Statement
We want to partner with you! We
The Mission of the Office of Diversity support our loan officers as they
is to promote social and economic serve underserved communities. If you
equity by creating and nurturing are looking for a company that shares
a diverse workforce, and providing your values and supports you every
underrepresented communities with step of the way, look no further!
access to homeownership. Our goal is to
reflect the local communities we serve
and to exceed our peers in providing
homeownership to underrepresented
groups. By doing this, APM strives to
stand out as a social and economic
leader while actively supporting our
employees’ and consumers’ social and
economic success.

apmortgage.com 21


SECTION HEADER

Meet

OUR TEAM

22 We create experiences that matter.TM­ | NMLS 1850­


OUR EXECUTIVE TEAM

Kurt Reisig Bill Lowman

Chairman CEO / President

As Chairman of American Pacific Mortgage, Kurt has led the Bill began his career with American Pacific Mortgage in
company since its inception and through its growth over the 2002 and has served as President since 2004. As CEO, he
last 25 years. His focus and vision have created a strong culture drives APM’s Strategic Plan including production, operational
of service and a fierce commitment to sustainability. Kurt’s efficiency, and preserving the APM culture, and is responsible
commitment to the concept that production and producers are for the overall financial performance of the company.
the fuel that drives our business is legendary.
Bill is an active member of both the Mortgage Bankers
Twice monthly you can find him standing in front of a camera Association and the California Mortgage Bankers Association
filming his latest installment of “The Loan Warrior,” or delivering and serves on the MBA IMB Executive Council and is Co-
business building strategies and tactics to our originators. Chairman of the IMB Network. He is a Board Member of
the California Mortgage Bankers Association and serves
Kurt was instrumental in creating the APMCares foundation, on the Freddie Mac Independent Mortgage Bankers
driven by his relentless desire to do good within the Advisory Board. Internally for APM, Bill sits on the Board
communities we serve. of APMCares, a charitable entity which provides financial
assistance to our APM families in times of need, as well as
community outreach programs focused on delivering housing
opportunities in America.

apmortgage.com 23


OUR EXECUTIVE TEAM

David Mack Gloria Fillmon Prateek Khokhar
Chief Origination Practices Officer Chief Compliance & Risk Officer Chief Financial Officer

David is a champion for loan originators, Gloria joined American Pacific Mortgage Prateek joined American Pacific Mortgage
ensuring quality service and efficiency in February 2015 as Chief Compliance in 2017 as CFO. With nearly 20 years
every step of the way. He co-founded APM Officer, having spent the past 25 years of experience in the mortgage banking
with Kurt Reisig in 1996, and continues concentrating on managing and directing industry, Prateek has expertise in debt and
to support our branches and loan officers regulatory compliance for nationwide equity capital raising, M&A activity and
through ensuring they receive our 100% mortgage banking operations. She corporate finance. He oversees all areas of
focus. He still oversees many aspects of currently is a member of the American finance, accounting, treasury and payroll
operations, including efficiencies and Association of Residential Mortgage and he serves as a valuable strategic
best practices to ensure our producers Regulators, Mortgage Bankers Association partner to APM and all of its branches.
win every day. David’s passion towards of America, California Mortgage Bankers To Prateek, people and culture, even in a
homeownership and creating experiences Association, and serves on the MBAA State finance setting, are the most important
that matter are felt in his daily interactions, Legislative and Regulatory Compliance and ingredients for success.
as he supports our employees in all Fraud Committees.
strategic endeavors.

24 We create experiences that matter.TM­ | NMLS 1850


OUR EXECUTIVE TEAM

Keith Becher Chito Schnupp Dan Cooper
Chief Operating Officer Chief Investment Officer SVP of Human Resources

Gloria joined American Pacific Mortgage Chito joined American Pacific Mortgage in Dan re-joined American Pacific Mortgage as
in February 2015 as Chief Compliance 2009 as EVP of Capital Markets. In her role Vice President of Human Resources in March
Officer, having spent the past 25 years as CIO, she oversees all elements of pricing, 2013 and served as Executive and Business
concentrating on managing and directing loans and selling of loans. Her passion Coach to American Pacific Mortgage from
regulatory compliance for nationwide for the mortgage industry, relationship 2002- 2008. He leads the Human Resources
mortgage banking operations. She building, both at the investor and agency department for the company and leads the
currently is a member of the American levels, and keen ability to develop HR team in recruiting, training, workforce
Association of Residential Mortgage innovative solutions for producers make planning, employee relations, compensation
Regulators, Mortgage Bankers Association her an exceptional asset to APM. In 2018, and benefits. He brings over 25 years of
of America, California Mortgage Bankers she was recognized by National Mortgage experience in HR and is an active member of
Association, and serves on the MBAA State Professional Magazine as one of Mortgage the Society of Human Resource Management.
Legislative and Regulatory Compliance and Banking’s Most Powerful Women.
Fraud Committees.

apmortgage.com 25


OUR EXECUTIVE TEAM

Chuck Nugent Ned Payant Melissa Wright
General Counsel EVP of Production EVP of Production

Chuck has served as Human Resources Ned joined APM in 2010 to lead the Melissa Wright joined APM in 2015 and
and Compensation Risk Manager as well company’s growing Mortgage Banking is responsible for the growth & expansion
as General Counsel to American Pacific Operations. With more than 20 years of the APM footprint. She is passionate
Mortgage since 2003. His responsibilities of management experience in the about people, and building high-
include all aspects of business relationship, mortgage industry in both production performance, quality teams that serve our
including compliance and regulatory and operations, Ned has created an customers. Today she also oversees our
matters, risk management, personnel outstanding work environment for both marketing department, crafting strategies
counseling, and direct involvement in all corporate and branch staff and believes that promote the values & culture of APM,
APM litigation matters. He is a member strongly in delivering a world-class service as well as providing tactics & approaches
APM’s Senior Management Team and to branches, originators and their clients. that drive the sales opportunities for our
admitted to practice before all the state Leading the Enterprise Retail Channel, Ned originators. Prior to joining APM, she was
and federal courts in California. oversees the departments and teams that formerly the President of Axiom Financial,
help our branches thrive. With a “Solutions a company she co-built in 1996. She
First” mentality, his team puts people first, has been recognized as a 7-time winner
strengthening our market position with Best of State and 100 Most Influential
healthy branches and strategic growth. Mortgage Executives in America.

26 We create experiences that matter.TM­ | NMLS 1850


OUR REGIONAL LEADERSHIP

Les Suzi Fred
Bedford Bertino Kreger

Pacific Northwest Region Central Valley CA Region Mountain / Midwest Regions
Les.Bedford@apmortgage.com sbertino@apmortgage.com Fred.Kreger@apmortgage.com
(425) 503-1485 (916) 960-5208 (916) 960-5824

Kevin Darren
Lowman Nolander

SF Bay Area Region Southwest Region
Kevin.Lowman@apmortgage.com Darren.Nolander@apmortgage.com
(415) 939-7749 (503) 799-9582

apmortgage.com 27


WHERE BRANCHES THRIVE

Encouraging growth Leveraging our culture Continuing Building stronger
and individual and brand promise to deliver investments in communities with
success retail production
experiences that matter APMCares

Delivering a Protecting the Providing tenured
white-glove entrepreneurial success with retail
onboarding
professional branch models

We are 100% focused on making our Branch Managers and Originators look good.

28 We create experiences that matter.TM­ | NMLS 1850


SEJOCTINIOONUHRETAEDAEMR

MatterWE CREATE EXPERIENCES THAT
EVERY DAY.

American Pacific Mortgage
Home Office
3000 Lava Ridge Court, Suite 200
Roseville, CA 95661

916.960.1325

apmortgage.com

apmortgage.com 29


SECTION HEADER

©American Pacific Mortgage Corporation. All information contained herein is intended for Mortgage Professionals only and not for public
distribution. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity. NMLS #1850
1 With the Keys on Time program APM will provide a credit of $895 to the borrower if the loan does not close on or before close of escrow.
Certain conditions and restrictions apply. Full details can be found at apmortgage.com.
2 To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which
variation of the SecureLock program is used. Eligible in all states where APM is licensed. Not all programs apply, contact us for more details.

30 We create experiences that matter.TM­ | NMLS 1850


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