Acopia Agent Presentation

Realtor Services Program

Our Story

We are Acopia

We started in 2007 and since then have grown to over 300 team
members helping Americans achieve home ownership.

2010 2010 2013 2015

Retail Division began Acopia FNMA approved direct Began servicing loans and Freddie Mac approved
GNMA approved
Home Loans seller/servicer

Our Difference

What makes Acopia different?

• A proven team
• A wealth of market experience
• A track record of success
• A commitment to action
• A commitment to doing the right thing

Where is Acopia?

We’re licensed in 31
states, and continue
to expand.

*Retail not Licensed

Integrity. Enthusiasm. Hard work. Creativity.
And having fun.

Why Acopia?

We’re committed to our referral partners with:

• White Glove Service
• Close Loans on Time
• Real-time Funding
• Competitive Rates and Products

White Glove Service

• Processing – Local processers that work directly with your MLO
• Customer Service – Dedicated staff that follows all purchase contracts

from the minute they come in through close
• Underwriting – Underwriters who we know and can speak to
• Closing – Closers who know the importance of closing on time
• Funding – Real time funding, leave the closing with your funds
• Underwriting Help Desk – Tough deals, no problem! We offer you peace

of mind, knowing your client is approved

Acopia knows the importance of our clients relationship with their Realtors. We are dedicated to
making YOU, the REALTOR, the HERO!

Communication

Co-branded video updates throughout the loan process

The Documentation The Appraisal Clear to Close The Congratulations
Stage Stage Stage Stage

Our Products

We offer standard Fannie, Freddie and Ginnie agency products.

Agency Government In House 2nds

• 97% purchase (FHLMC Home • FHA • 80/15/5 (95% CLTV)
• USDA • HELOC Interest Only
Possible and FNMA Home Ready) • VA - No lender fees for Veterans • Closed End Fixed
• DPA - Down Payment Assistance
• 95% purchase with 5% gift 2nds
• Delegated MI Authority • Loan Amounts up to
• Warrantable Condos
• 5,7,10 Year ARM’s $350k for Closed End,
• 80/15/5 Loan Option
$300k HELOC
(see in house 2nds)

* All loan products are subject to qualification and guidelines

Our Products (Cont.)

Jumbo Specialty

• 95% up to $850k • 12 – 24 month Bank Statements
• Delegated Underwriting • 1 Day out of BK, SS, Foreclosure
• In-house appraisals • Non-Warrantable Condos
• Super Jumbo options • Foreign Nationals
• $800k to 90% no MI product
• 80/10/10 product with in house

2nd (up to $1M)

* All loan products are subject to qualification and guidelines

MortgageAssure

Safeguard Clients Mortgage with Job Loss Protection

They have found the perfect home. MortgageAssure ensures it’s it. Clients enjoy this additional
benefit that can make their mortgage payment if they unexpectedly lose their job. They get it for
FREE with our 97% LTV loans when mortgage insurance is provided by our partner Radian Guaranty.

Benefit Details Advantages

• Up to $1,500 a month (including principal, • Helps protect your credit by keeping your
interest, taxes, insurance) mortgage payments current

• Total protection of up to $9,000 during coverage • Safeguards your biggest investment – your home
period • Helps preserve your emergency savings,

• Up to 6 monthly mortgage payments, no retirement or college funds
required to be consecutive • Provides peace-of-mind when experiencing the

• Effective up to 2 years after the loan closes, while challenges of unemployment
the mortgage insurance remains in place

Additional Benefits

Appraisal Builder’s Direct Mobile
Management Program App

• Approved • Extended locks/float • Online promotion
appraisal panel down up to 270 days • Powerful listing
chosen by Acopia
for each market • Preferred closing cost search
• Co-branded marketing • Community data
• Fast turnaround • Co-branded websites • Co-branded
times • Compliance oriented
marketing
support

Introducing Our

New Mobile App!

Home buyers can now apply for and
manage their in-process home loan,
scan documents securely from their
mobile device and utilize helpful
mortgage calculators all while on-the-
go.

Additionally, the app allows for instant
communication so we can continue
serving you and our borrowers quickly
and efficiently.

Our Promise

Acopia is committed to compliance in this ever-changing industry. We have
dedicated the personnel and technology required to navigate upcoming
regulatory changes before they occur. This forward thinking has allowed us to
achieve uninterrupted success in spite of new regulations. We believe it is our
responsibility to protect our company, the consumer and our business partners
in every transaction.

• Compliance Department – dedicated department that works closely with
state and federal regulators to ensure our policies and procedures are
compliant

• Centralized Disclosure Team – skilled team responsible for disclosure
issuance in a timely and borrower friendly manner

The Power of
Co-Branded Marketing

Stay Top-of-Mind for Future Referrals

Co-Branded Automated Co-Branded Automatic Pre/Post Close
Open House Flyers In-Process Milestone Videos Co-Branded Drip Campaigns

Create

Lifelong Clients

Using video, Acopia Home Loans
makes it easy for homebuyers to
understand the loan process.
Through video we:

• Educate
• Introduce the team
• Bring levity to a stressful time
• Give the chance to receive

feedback from our clients

Stay Connected

Acopia Home Loans has made its renowned
Three Year Customer Service Program
available to its Partners in Success.

“The transaction closing
is only the beginning
of our long-term
commitment to
Customer Service.

The Power of
National Influence

Visit us at

www.AcopiaHomeLoans.com

Realtor Services Program