ORIGINATION GUIDEBOOKGETTING STARTED AT APM
This guide is intended to help you navigate the onboarding process here at APM and to get you up-and-running as quickly as possible. In it you will find helpful information, department contacts and more.We’re happy to have you here! Please don’t hesitate to reach out with questions—help is never more than a phone call or email away!TABLE OF CONTENTSGetting Started ..........................................2Roles and Responsibilities .........................3Individual Licensing ...................................4The Hub ......................................................5Additional Training Resources ..................75-Star Support Services .............................8Fulfillment Centers...................................11Loan Flow Process....................................12APM Mobile Workflow............................13APM Tech Stack........................................14Candor Underwriting, Encompass, DOMO, Smartfees ...............17APM Mobile..............................................18Total Expert..............................................19Birdeye......................................................20Marketing.................................................21Products & Programs ...............................23Game Changers ........................................24APM Events & Communications..............25WELCOME TOAMERICAN PACIFIC MORTGAGE!1
GETTING STARTEDYour sponsorship is tied to the Integration Loan Team branch office at 3000 Lava Ridge Court, Ste #250, Roseville, CA or a branch within a reasonable commutable distance to your residence. All originations in this phase will be done by a licensed MLO of the Integration Loan Team or Certified Integration Loan Officer in the respective branch you are tied to.Not sure where to direct your question? Send an email to Knowledge Bank for a quick response!Access/Download our New Hire ChecklistYour sponsorship is accepted at the state. You can begin originating in your name, with the branch address of 3000 Lava Ridge Court, Ste. #250, Roseville, CA address or the respective branch your are tied to.Your sponsorship is accepted at the state AND your branch is licensed You will begin originating with your name on the 1003 and your licensed branch location.PHASE 1 PHASE 2 PHASE 3PROCESS OFINTEGRATIONYOUR KEY CONTACTS AS YOU'RE GETTING STARTEDIntegration Team [email protected] Team See Operations Page for who to contact.Training Team [email protected] Bank [email protected] PHASEWELCOME TO APM HUB PAGEThis page is intended to get you familiar with resources on The Hub (our employee intranet) and up-and-running quickly, so you can do what you do best – originate loans!VISIT PAGE2
APM LOAN TEAM ROLE• Start Encompass loan• Structure loan (collaborating with you)• Pull credit (if you have an LOA or processor in your branch that is not licensed, they can also perform this function)•Input fees into 2015 (with your provided fees)• Request disclosures• Order appraisals (you can also designate an LOA or processor in your branch to order)• Run AUS (we will use the income/asset information that is on the 1003 or per your income calculations)• Assist, as needed, uploading documents into the Encompass file (you will have full access to the loan file to upload items directly)• Generating prequal/pre-approval letters• Locking in the loan• Assist with pipeline management if questions arise and/or rushes are needed• Prior to your licensing being attached to APM, all loans will be originated by the Integration Loan Team. We will complete all licensed activity and have all licensed conversation/emails with the borrower regarding rate/terms/structureYOUR ROLE• Provide cover letter with pertinent information to structure the loan• Provide title/escrow fees• Collect docs from your client• Communicate to your client on status/progress throughout the loan. You will remain the main point of contact for clients, agents, referral partners• Work with the processor to keep loan moving through milestones through to fundingAPM LOAN TEAM ROLE• Guidance on tasks as requested; if additional training is needed the Training team will be reengaged• Assist with directing you to APM resources, as requested/neededYOUR ROLE• Start loan in Encompass or APM Mobile (best practice)• Structure loan• Pull credit (if you have an LOA or processor in your branch that is not licensed, they can also perform this function)•Input fees into 2015• Request disclosures• Order appraisals (you can also designate an LOA or processor in your branch to order)• Run AUS• Upload documents into the Encompass file• Generating prequal/pre-approval letters• Locking in the loan• Collect docs from your client• Communicate to your client on status/progress throughout the loan; you will remain the main point of contact for clients, agents, referral partners• Work with the processor to keep loan moving through milestones through to fundingPHASE 1 PHASE 2 &ROLES &RESPONSIBILITIES33
The Licensing Department is here to help manage the transition as you join APM.PRE-EMPLOYMENT LICENSE CHECKThe following steps are completed prior to joining APM:• MLO is approved for hire by HR.• MLO grants APM access to view NMLS license.Click here to start the process of allowing APM access (your current employer will NOT be alerted).• Licensing will then confirm their status (this can also be confirmed in NMLS consumer access, if they don’t grant access).LICENSE TRANSFER TO APMOur licensing team is here to assist with managing the transfer as outlined below:• APM issues clear to hire and MLO accepts offer.• Licensing will confirm desire for sponsorship change with the MLO (must have signed LO Worksheet and remitted to HR).• MLO will terminate access and relationship with their prior company. Click here to start the termination process.• APM licensing team will request sponsorship.• MLO will attest MU4 (changes licensing will make to employment history).NOTE: During the waiting period of license transfer, all origination activity must go through your approved/certified designated integration person. Each state varies with time-frame for license transfer but our integration team is here to assist.LICENSING ANNUAL RENEWALStart your annual renewal early to avoid any disruption to your MLO license:• CE Hours completed for all states licensed.• Fee paid in NMLS and renewal requested.• State approves the license.CONTACT LICENSING [email protected] (855) 684-2777INDIVIDUALLICENSING4
A REPOSITORY OF INFORMATIONThe Hub is APM’s employee intranet. It’s where you’ll find information, resources, and tools to do your job. BOOKMARK THIS PAGE, YOU'LL USE IT OFTEN!USERNAME & PASSWORDYour Hub username and password is included in your welcome packet. If you don’t have them, please email [email protected] ON THE HUB• Underwriting and Product Guidelines• Human Resources, Payroll and Benefits • Marketing (brand assets, eSignature templates, flyers, eBooks and presentations)• Training (live and on-demand training, job aids and checklists)• APM EdgeTech info and resources• Payroll and holiday schedules• Department contact information • Up-to-date company news• Events, updates and so much moreNEED HELP?Email [email protected] Hub questions!THE HUBVISIT THE HUB5
The Hub icon will always bring you back to the Home page.Familiarize yourself with the top navigation, you can find everything you’re looking for here!The Company News Feed lists the most current news articles. Click “See All” to see older posts. Use the briefcase to bookmark frequently visited pages and resources.Search using keywords can help you quickly locate something, but it’s not Google! Understanding the navigation is key! The Featured Banner offers a quick view of important company initiatives! Click each tile for more information. Quick links to popular pages and applications Our ScrappyBot chat to help you find what you are looking for!THE HUBANATOMY OF THE HUB6
ADDITIONALTRAININGRESOURCESJump StartThis three-day virtual training series is designed to get new originators and branch employees up and running learnings the APM Way of business. Both Loan Officer and Processor tracks available.Training ResourcesAPM Training CalendarYour companywide training calendar includes everything from EdgeTech trainings, to product trainings, and more.LEARN MORE ON THE HUBLEARN MORE ON THE HUB LEARN MORE ON THE HUBEmployee Resource GuideJob Aids Search Hub PageEncompass TrainingBranch Manager ResourcesTraining Calendar Hub PageLEARN MORE ON THE HUBAPM Learning CenterHere's where you start. The Learning Center has a variety of trainings to help you get started at APM. APM's Production Education and Training Team is dedicated to helping our originators be prepared and educated so they are equipped with knowledge to look good for their clients. This team is a one-stopshop for all training needs, including workflows and best practices, Encompass and integrated tools, core technology, products, resources and so much more. From live trainings to a library of recorded trainings and job aids, the team will guide you through the integration process.7
5-STARSUPPORT SERVICESKNOWLEDGE BANKNot sure where to direct your question? Email Knowledge Bank for quick and effective assistance. From onboarding questions to help with logins, our dedicated team of Subject Matter Experts is here to help! ADVERTISING COMPLIANCEAny marketing or advertising created must be approved first by APM compliance. AFFINITY PARTNERSHIPSSet up partnerships with employers, banks, credit unions and others with assistance from Strategic Partnerships. APCONNECTNurturing Leads into Sales Ready Opportunities. AP Connect is a state-of-the-art lead management platform, supporting American Pacific Mortgage originators and their real estate partners in the nurturing and conversion of leads. APPRAISAL DESKAPM employs licensed appraisers to manage our AMCs and be a resource for our producers. Our team will help with valuation disputes and advocacy of property valuations—and will even talk with your real estate agents! COMMERCIAL LENDINGCommercial Lending team to provide full service assistance to your commercial referrals. COMPLIANCE HELP LINECompliance is interlaced through the products and services we provide as mortgage professionals. Our Compliance Team is originator-focused and provides quick accessibility and solutions to help—not hinder—your business. CONDO DESKWe have an experienced team dedicated to review and approve all your condo projects—limited and full reviews CONSTRUCTION LENDING TEAMThis internal team is designed to help construction loans move smoothly for everyone involved. The team helps process and support construction loans from set up through the draw process.8
5-STARSUPPORT SERVICES CREDIT UNION ADVANTAGECreate valuable partnerships with local credit unions and banks, providing their customers access to options that the bank or credit union cannot accommodate, or if they do not provide mortgage lending at all. DESK RENTALSCoordinate a desk or office space rental through APM Strategic Partnerships in a local office of one of our many established partnerships in the real estate community. EDGETECH SUPPORTTeam designed to support any technical issues with our EdgeTech stack - such as Total Expert, APM Mobile or Birdeye. INCOME DESKSend in your unique or complex income borrowers – we’ll review, calculate the qualifying income within 24-48 hours. INTEGRATION TEAMOur integration team will walk you through all steps of your onboarding and will be your primary contact throughout the first few months at APM. IT TECHNICAL SUPPORT PLATFORMA user-friendly ticketing platform for IT technical support:• Help Desk: Assistance with APM hardware, software, accounts and access• Encompass Support: Assistance with all Encompass-related questions, issues and requests• Application Setups: Assistance with Encompass & tech tool account access and more• MOX & Data Support: Report a problem or request an enhancement or change in MOX or DOMO LICENSING TEAMOur Licensing Team assists branches and originators with licensing, annual renewals and expanded state approvals. They remove the guesswork and provide quick solutions so you can stay focused on originating loans! LOCK DESKThe Capital Markets’ Lock Desk is fully staffed to assist you quickly and available by email or phone 6AM–5PM PT, while hedged products (Conventional/Government) can be locked 24/7/365—a key differentiator for APM. Best Effort products (Jumbos, NonQM, Bonds, etc.) follow investor hours, with rates available once published in Optimal Blue and an APM lock cutoff set one hour earlier.9
5-STARSUPPORT SERVICES MULTI STATE LOAN TEAMOur in-house loan team can support your referrals in all states APM is licensed. They will be your partner and originator of record for all your referrals. All licensed originators are paid 50 bps referral fee and you can keep those relationships regardless of your branch licensing. ONESOURCEOneSource Home Connections helps new homeowners set up services like phone, TV, security, internet, electric, gas, trash and water – completely free of charge! RENOVATIONAPM offers a team of Renovation Experts to support branches and Loan Officers with the 203k and CHOICERenovation Loan process. SATURDAY UNDERWRITING HOTLINESaturday? No problem! Contact an underwriter on staff on Saturdays from 10:00 am - 2:00 pm PT! SCENARIO DESKOur Scenario Desk is operated by APM’s knowledgeable Credit Team to answer your loan underwriting guideline questions for conforming and non-conforming loans. Fast turnarounds and accuracy make this team a top APM resource. TRAINING TEAMThis team is dedicated to creating experiences that matter by modernizing our approach to training and origination practices with offering virtual, live, on-demand learning, and eResources that will get you going out of the gates and into the future! WHOLESALE / BROKER SUPPORTAPM allows brokering of loans when you need a deal not offered at APM. Our team can support you with approved lenders and questions regarding the process10
FULFILLMENT CENTERSUW MANAGER:Jennifer MorrisCLOSING MANAGER:Samantha EverardCLOSING MANAGER:Samantha EverardCLOSING MANAGER:Samantha EverardCLOSING MANAGER:Samantha EverardUW MANAGER:Darla BedfordCLOSING SUPERVISOR:Robin PetersonCLOSING SUPERVISOR:Malia BallardUW MANAGER:Deanna RayUW SUPERVISOR:Debbie VarnerCLOSING SUPERVISOR:Robin PetersonCLOSING SUPERVISOR:Malia BallardLESLEY HASKELL SVP Operations (Agency)TEAMS: BLUE & GREENJIM CLOYD Regional Operations ManagerTEAMS: TEAL & CRIMSONDIAMONDREGIONAL OPERATION CENTER REGIONAL OPERATION CENTEREMERALDBLUE TEAM TEAL TEAMGREEN TEAM CRIMSON TEAM11
18916172710 111518361419451213LOAN FLOW PROCESSLoanOriginatesSubmit to ProcessingResubmit to Underwriting(Final)Funding Release & RecordingLO Completes Consent Log Processingof File(Rerun AUS & Candor)Closing VOE completedSend eConsentLock Loan & Redisclose(if not captured on initial LE)Clear to Close Request Fees & Send disclosuresConfirm compliance review completed(must be done prior to CD)Docs Released(wire requested for wet sign at time of of docs)Run AUS & Candor Lock AuditDocs SignedSubmit to Underwriting for approval and/or Candor ClearICD Requested(sent to client & title for balancing if wet fund)Funding Review(wire requested for dry states)MILESTONES AND OWNERSHIP JOB AID12
•Initial tasks list given to borrower via APM Mobile•Tasks can be added or deleted by LO or team member via the web or mobile•Tasks can also be added/removed in Encompass> nCino screen•Documents uploaded by borrower can be viewed by LO/Team Member via web, mobile or in the unassigned folder in Encompass•Tasks can be added or deleted in the Encompass>nCino screen•New Locks: LO can do this via mobile or Encompass•Modifications to Locks can only be done via Encompass•Pricing can be done on web or mobile•Option to build into application workflow•Argyle (VOIE) - built into application•Can be sent as follow-up task via web or mobile•or, can be requested via Encompass•Documents needing signature such as LOE’s, gift letters, tax returns, etc. can be sent via Docusign by LO/Team Member via the web – for FREE 10111213TASKS/BORROWER NEEDS LISTPRICING & LOCKINGSIGNATURES NEEDEDVERIFICATIONS ACCOUNTCHEK (VOA)CLOSING DOCS: HYBRID CLOSING AVAILABLE •Docs ordered via Encompass and select hybrid via nCino – $30 per file DISCLOSURES AND/OR CD•Request via Encompass, but choose “Send Through nCino” as the method for delivery89•Borrower completes application link via web or mobile— OR —•Loan officer can complete a new application or finish one that the borrower started in web or mobileSTART THE LOAN123456•LO can pull soft or hard pull via web or mobile or complete via Encompass•Team member can only order credit via Encompass.CREDIT PULL•Complete remaining fields for running AUS ie: MI quote, housing costs, matching up liabilities, etc.FINISH APPLICATION VIA ENCOMPASS•LO can send through mobile• LO/Team member can send via the webPRE-QUALIFICATION/PRE-APPROVAL LETTERS•Borrower signs when completing application link•LO can send eConsent when completing application•If application was started in Encompass, send eConsent through Encompass and choose option for sending via APM Mobile or send using tasks on APM Mobile web or mobileECONSENT – 3 OPTIONS(MUST BE SIGNED BY BORROWER VIA SN)RUN AUS & CANDOR IN ENCOMPASSAPM MOBILE LOAN WORKFLOW FOR LO & TEAM MEMBER ACCOUNTPowered by nCinoHAPPYCUSTOMERS!7LEARN MORE ABOUT APM MOBILE nCINO WEBSITESEE JOB AID/FAQ13
Digital asset verificationLogin sent on start date from [email protected]@apmortgage.comMonitors LO’s online advertising and marketing for complianceNo Login needed, you will benotified if something is [email protected] and benefitsLogin sent within 3 days of start from [email protected] [email protected] [email protected] by nCino the most effective way to run your business.Login sent when sponsorship is approved from [email protected]@apmortgage.com$65/MO FOR LOsFree team accounts for LOA's/Processors Digital income/employmentverificationNo login required via Encompass [email protected] platform (automatically requests reviews from closed clients)Login sent when sponsorship is approved from [email protected]@apmortgage.comThe power of the loan approvalat point of saleRequired training in the Learning Center, assigned on start date from [email protected]@apmortgage.comFICO Improvement Modeling$18 per plan/borrower(includes all simulations & modeling)Login with APM SSO [email protected] audit and fraud toolsLogin sent on start date from [email protected] [email protected] dashboards for managing the businessLogin sent on start date from [email protected]@apmortgage.comFannie & Freddie automated underwritingLogin through [email protected] up upon request. Branch does not pay for this [email protected]'s loan origination system Login sent on start date from [email protected]@apmortgage.comSecure, easy loginsRequest access from Help Desk. Receive login info from [email protected]@apmortgage.comEnd user must register first (tied to SS#). Once complete Integration Team completes the setup. [email protected] desk (available on The Hub) for \"what-if's\" and guideline questions. Documentation review/pre-underwrite & income calculations coming [email protected] EDGETECH SUPPORT? [email protected] STACKTHE APMTECH STACKWEBWEBHUBWEB HUBThe APM Tech Stack runs deep and covers every aspect of your business from attracting, engaging and retaining your clients. Our Core stack is provided to everyone, and the Add-ons can integrate with the core stack to level-up your business.DU & LPA HUBWEB HUB WEB HUBWEB HUB WEBHUB WEB HUBHUBPAYROLL BENEFITSHUBHUBWEBWEB14
Secure, easy loginsRequest access from Help Desk. Receive login info from [email protected]@apmortgage.comAPM’s intranetLogin sent on start date from [email protected]@apmortgage.comSecure, easy loginsRequest access from Help Desk. Receive login info from [email protected]@apmortgage.comAppraisal vendor management systemLogin sent on start date [email protected]@apmortgage.comAccess Microsoft products and your company email (Outlook)Login sent on start date from [email protected]@apmortgage.comLoan pricing information Login sent on start date from [email protected]@apmortgage.comCredit verificationLogin sent when sponsorship is approved from [email protected]@apmortgage.comAutomated tool that provides realtime accurate closing cost estimates, integrated directly into Encompass.Login sent on start date from [email protected]@apmortgage.comIntegration team will set up for [email protected] and marketing super-power to prospect, nurture & retain your customersLogin sent after branch or DBA is approved from Total Expert [email protected] [email protected] & LOS: $115/MO LOAS & NON-LICENSED: $25/MOCHARGED TO BRANCHEnd user must register first. Once complete Integration Team completes the [email protected] verification and servicesLogin sent when sponsorshipis approved from [email protected]@apmortgage.comHUBWEB HUB HUB WEB HUBWEB WEB HUB WEB HUB WEB HUBWEB HUB WEBCORE STACK CONT.WEBTHE APM TECH STACK15
eSign platform Upon request with BM approval to [email protected]. Login comes from [email protected]$2.70 PER ENVELOPE—CHARGED TO BRANCH OR FREE THROUGH NCINOAI Powered homeownership platformIntegrated with Total Expert. Clients get monthly home value/equity/market updates and home search tools. LO and Realtor stay [email protected] COST $50/MO CHARGED TO BRANCHADDITIONAL COSTS MAY CHARGED TO LO BASED ON NUMBER OF CUSTOMERS & ADDED FEATURES.Automated property and listing materials for you and your agentsUpon request to [email protected]@listreports.com$50/MO CHARGED TO BRANCHUPGRADE TO AGENT INTEL AT ADDITIONAL FEEUnderstand and share current market info Upon request via [email protected]$37/MONTH PER USER CHARGED TO BRANCHGuide borrowers to make decisions through visual presentationsUpon request to [email protected]@apmortgage.com$55/USER CHARGED TO BRANCHSocial Media automated posting, MVPs (My Video Pages) included for use in emails or texting. Includes app to record videos, use teleprompter tools, etc. Plus plan includes editing & captioning videos for posting. Sign up here [email protected]$50/MO FOR BASIC PLAN$200/MO FOR PLUS PLANBILLED TO LO CREDIT CARD OR BRANCHWEB HUBWEB HUB WEB HUBWEB WEB HUBADD-ONSNEED EDGETECHSUPPORT?Email EdgeTechfor assistanceTECH STACK ADD-ONS16
WHAT IS ENCOMPASS? Encompass is our loan origination system (LOS) used to originate, process and manage loans. This software provides powerful tools to manage the loan process from start to finish. Extend visibility, improve collaboration and establish consistency with Encompass.WHAT IS DOMO? Domo Business Cloud empowers organizations of all sizes with BI leverage at cloud scale, in record time. Domo is the only cloudbased and mobile-native platform in the industry. Domo offers a full-stack BI solution that allows you to connect and transform your data, visualize and analyze, and ultimately build apps and extend. WHAT IS SMARTFEES? SmartFees makes getting your closing fees a breeze. You can generate accurate and compliant fee quotes for your borrowers in just a few clicks. No more chasing down fees from title and escrow! Fees from your chosen providers are immediately accessible so the itemization is populated and ready to disclose in a snap.LEARN MORE ON THE HUBLEARN MORE ON THE HUB LEARN MORE ON THE HUB LEARN MORE ON THE HUBCANDORUNDERWRITINGCLOSE FASTER WITH AI UNDERWRITINGAPM utilizes the latest technology to modernize and improve the loan experience for you and your buyers. We use proven Artificial Intelligence (AI) Underwriting technology to expedite the loan approval process – meaning your buyer has a true conditional loan approval within hours. It’s just one way we can help you WOW your clients and get more offers accepted. BENEFITS OF AI UNDERWRITINGTBD Approvals Without an UnderwriterWhen your buyer goes under contract, the only thing we need is the appraisal – the loan is already done!Give Your Buyers a Leg Up on Their OffersSame-day conditional loan approvals, instead of pre-approvals.Close Loans Faster and EasierAI Underwriting shaves days off your closing timeline.ENCOMPASS, DOMO, & SMARTFEES17
BORROWER• Simple mortgage application• Access via mobile or web• Borrower tasks or docs to sign• Documents securely remitted with camera phone or web• Disclosures, CDs, and other documents as requested • Sign documents • Easy access to pre-approval letters• Notifications and status updates• Calculations of different scenarios• Communicate with agent and lending team via chat• Spanish translation available• Hybrid eClose ($30 per file)POWERED BY nCINOAGENT• Co-branded App and web link• Easy way for the agent to share the application• Customize home page with personalized web links• Make quick calculations• Helps borrowers get quicker and easier pre-approvals• Access the pre-approval letter and modify as the loan officer allows• Notifications and status updates• Communicate with borrowers and lending team via chatLOAN OFFICER• Work remotely—less need for Encompass for many tasks• All documents and information automatically added to Encompass• Share your application link in a variety of ways (including cobranded apps) and get notified as your link is shared by others• Application can be completed by borrower or loan officer • Request tasks and documents from borrower• Create custom Docusign documents (FREE)• View documents that have been uploaded• Send out pre-approval or pre-qual letter and give agents the ability to modify the purchase price• Order VOA / VOIE• Price and lock loans • Order and view credit• View appraisal messages and appraisal• Communicate with borrowers, agents and lending team via chat• Customizeable with your brand and logoLEARN MORE ON THE HUBAPM MOBILEBENEFITS18
AUTOMATED DATA MININGCO-BRANDED FLYERS MARKETINGEMAIL CAMPAIGNSSALES & RECRUIT TRACKINGSOCIAL MEDIAEffortlessly track and communicate with your clients and business partners using Total Expert. CHECK OUT THE HUB!On the HUB you'll find a Total Expert page that offers tutorials and information to get you up-to-speed and leveraging this amazing platform. TE is our marketing library and seamlessly integrates between Encompass and APM Mobile, ensuring all your prospects, clients and business partners are connected in your database to receive personalized marketing.LEARN MORE ON THE HUBTOTAL EXPERTVISIT TOTALEXPERT.NET19
CUSTOMER REVIEW PLATFORMBIRDEYEAPM has sponsored a BirdEye account for you to build and promote customer reviews!WHAT IS BIRDEYE?BirdEye is a social media management platform that lets you easily collect and showcase testimonials from your happy clients to build your online reputation. BirdEye works in conjunction with other social review platforms like with platforms such as Google, Facebook, and Zillow.Loan Officers and/or Branch Managers can select up to 3 social review platforms, which can be changed at any time.HOW DOES IT WORK?1. When your client's loan funds (Encompass milestone = Funded) a request for a review will be automatically sent to the primary borrower within 24 hours via email and text.2. The client can select one of the review platforms (i.e. Facebook, Google) to leave you a rating and review.3. You will receive a notification every time a review is left. The company has automated responses to reviews or if you'd like to do those yourself, just let us know you want to opt-out. Responding to your reviews is a great way to improve your online reputation.4. Birdeye creates a micro-site for you showcasing all reviews that have been left for you, regardless of which platform.5. Don't forget to share your great reviews on social. It takes just one-click to promote and showcase them on your social feeds. WHAT ABOUT NEGATIVE FEEDBACK?In the event that something went wrong through the loan process and your client wants to provide negative feedback, BirdEye gives them the opportunity to do so in a non-public form. If negative feedback is provided, BirdEye sets alerts and categorizes negative reviews for follow-up.Please email [email protected] for any assistance with setupLEARN MORE ON THE HUB20
SUBMIT FOR APPROVALORDER BUSINESS CARDSDOWNLOAD DIGITAL BUSINESS CARDMARKETING INTAKE FORMSOCIAL MEDIA COMPLIANCE GUIDE\"I'VE MOVED\" ANNOUNCEMENT GRAPHICSHOW TO IMPORT CONTACTS INTO TOTAL EXPERTDATABASE IMPORT TIPS VIDEOUPLOAD COMPLETED CONTACT SPREADSHEETUSE CORRECT HEADINGS TO ORGANIZE YOUR DATA FOR FASTER IMPORTEMAIL SIGNATURE TEMPLATEVISIT OUR SWAG SHOP BUSINESS CARDSWhile you're waiting for your licensing to be approved, you can download a digital business card to use in the meantime. This needs to be approved by marketing and compliance prior to use. Use the link below to order your business cards after you receive your license approval SOCIAL MEDIA & WEBSITEWhile you're waiting for your licensing to be approved, you can get started on your social media and website information by filling out this form so we have everything at the ready to turn on when licensing approved TOTAL EXPERT MIGRATIONWe're happy to import a spreadsheet of your contact database into Total Expert for you EMAIL SIGNATURESWe encourage you to set up your email signature. Use the Email Signature Template to get started. Use the job aid below for assistance in setting up your Outlook email signature. SWAGOrder your APM Swag in our store! We also offer client gifting, custom items, and event support items for ordering.WHAT APM OFFERS youA TEAM OF MARKETINGPROFESSIONALSTOTAL EXPERT CRM & MARKETING PORTALCORPORATE MARKETING COLLATERALCORPORATE WEBSITE SETUP & SOCIAL MEDIA SUPPORTMONTHLY MARKETING UPDATESCorporate and Production, Marketing, Sales Tactics, Assistance with Marketing Strategy, Social Media Support, Graphic Design Support Automated database mining, personalized flyers and mailers, co-branded marketing, email campaigns & journeys, social media graphics.Flyers, Presentations, Brochures, Banners, Postcards, Infographics, Business Cards, eBooks, Yard Signs & Sign Riders APM Branded Website, Social Media Training & Tactics, Social Media Content Calendar, 1:1 Training and Support, Blog Articles, How-To’s and Job AidsMonthly Theme, New Marketing Materials, Social Media Content, Sales Strategies and Tactics, Marketing Announcements MARKETING:GETTING STARTED21
LEARN MORE ON THE HUBNOTE: All marketing tools are set up upon branch licensing approvalJoin APMOriginators Club!Our private Facebook group for fresh ideas & strategies to market Scan me! & originate more loans!HUB MARKETING LIBRARYThe marketing library houses much of which can't be found on Total Expert such as eBooks, templates for email signatures, flyers and social media, presentations, and more.NEED ASSISTANCE?Email [email protected] with any marketing requests and questions!CONSULTATIONEmail [email protected] to schedule time with our marketing specialists and learn more about social media, video creation, realtor marketing and so much more.MARKETINGLEVEL-UP YOUR MARKETINGYou have a variety of marketing tools at your disposal. From automated, database-driven marketing campaigns to co-branded realtor partner materials, social media support, publishing online reviews and even custom-made collateral, there are numerous ways to build your business and reinforce existing relationships.You should expect an e-mail each month with a new marketing materials and tips that you can use right away to boost your business.22
Keep up to date with all new and existing loan options on the Product Connection via the HUBLEARN MORE ON THE HUBPRODUCTS & PROGRAMSAPM HAS WHAT YOU NEEDOur highly competitive housing market requires financing solutions that go outside the box of conventional loans to fit each client’s unique situation. As the economy, the workforce, and the mortgage and real estate markets shift, it’s important to be armed with the right products to grow your business and gain market share.You have access to Construction and Renovation loans, Down-Payment Assistance programs, Bridge Loans, Closed-End Seconds and HELOCs, Jumbo Loans, and a suite of Non-QM products including multiple features; DSCR, Bank Statement Income, P&L Income, 1099, loans for Foreign Nationals and ITIN borrowers, Business Entity Lending, NonWarrantable Condos, and more.A FEW OF OUR KEY PRODUCTS23
Rewards full-time teachers, police, firefighters, first responders, and correctional officers for their selfless work by saving them stress and money on their home loans. We offer reduced lender fees for eligible buyers (up to $500)Multiple AUS options including temporary buydowns, 10% down, and loan amounts to $10M.Down payment assistant programs are available for every states. We have a couple of national programs, as well as state specific solutions. Not every state or local program is available so check out the solutions offered today Our SecureLock program includes options for buyers, sellers, and builders to lock in rates prior to a home sale.We offer two scenarios to help bridge the gap between selling and buying. Bridge available up to 90% LTV and terms up to 6 months. We also offer \"Buy Before You Sell\" bridge loan options. Don't let new construction scare you - our construction department starts you off with education and then partners with you every step of the construction loan. Learn more on the HUB. 203k and HomeStyle Mortgage renovation loans have special requirements and our team will guide you through the process.KOT is one of those long-standing programs at APM that provide security that loans close on time - all backed by a $2000 commitment. There are requires from the loan officer and borrower - check out the HUB to learn program details. We have many Non-QM programs to fit your clients' unique needs including DSCR, Bank Statement Income, P&L Income, 1099, loans for Foreign Nationals and ITIN borrowers, Business Entity Lending, loans for those with recent credit events, and for non-warrantable condos.MEET THEGAME CHANGERSLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn More24
Mark your calendar for our yearly events! We hold virtual Town Hall meetings for the entire company as well as in-person sales summits for our production teams - including you!LEARN MORE ON THE HUBAPM EVENTSMONDAY MOMENTUM: Jump-start your week with your training calendar for the week and items that needs your attention to stay on track.FRIDAY WEEK IN REVIEW:A quick, curated roundup of announcements, updates, and helpful links. Give it a quick scan each week to stay caught up and in the know!APM Communications is your go-to source for important updates, resources, and information that help you stay aligned with company priorities. These messages keep you informed, prepared, and connected, so be sure to read them and stay in the loop!APMEventsAPM COMMUNICATIONS25
(C) American Pacific Mortgage Corporation. NMLS #1850. Equal Housing Opportunity.LOOKING FOR INFORMATION?VISIT THE HUBNEED TECH SUPPORT?(855) 969-3365NOT SURE WHO TO CONTACT?APM'S KNOWLEDGE BANK [email protected] 01.2026