Grow with Compass

2 0 1 6 C O M P A S S M O R T G A G E R E C R U I T I N G


It is our mission at Compass Mortgage toprovide our clients with a level of servicethat consistently exceeds theirexpectations, whether they are a first-timehome buyer or an experienced borrower.We are committed to helping them realizetheir home ownership goals and assistingthem in every step of the way.

My name is Matthew Rayburn, SVP of Saleswith Compass Mortgage. I would like topersonally welcome you and promise youthat Compass Mortgage is simply the bestmortgage company around.

I have spent the last 25 years in the RealEstate and Mortgage Industry. This is theonly business I have ever known and thecareer path I choose to pursue.

Compass Mortgage was formed in 1999 byDan Graham and Carol Kochan. We startedwith 9 employees in a temporary office inNaperville, IL. Within in our first month, wehad closed our first closed loan.

Since our inception in 1999 we have nowclosed over 30,000 loans, totaling over $6Billion dollars in loan amount. Even withthe exceptional growth we have had overthe last 17 years, our culture and way ofdoing business has not changed.

As a company, we have set forth on avision for the future. That vision is tofurther expand and build the CompassMortgage brand throughout the UnitedStates. We are looking for the new salesleaders in the mortgage industry and willonly accept the best of the best.

We look forward to discussing your futureat Compass Mortgage.

Matt RayburnSenior VP of Sales

Our Mortgage Bankers have a full arsenal of products and services to choosefrom to satisfy the unique needs or all our clients and referral sources.Compass Mortgage has in-house underwriters and processors to ensurecontrol over the loan process and portfolio lenders for our unique situations.Not only do we have over 20 corresponding banks we work with we also selldirect to Fannie Mae.

Conforming OptionsOver 20 correspondent lenders available97% financing available with PMI & condos (first time buyers only)Specialty LPMI pricing exclusive to Compass MortgageDirect lender to Fannie MaeDU Refi Plus and Freddie Open Access ProgramsCompass Mortgage warrants all condos through internal condodepartmentCondo 51% CPM approval/PERS availablePurchases on properties owned 90 days with unlimited increase in salesprice with Fannie Mae

Second Mortgages80/10/10Fixed & HELOC available

Jumbo OptionsOver 20 correspondent lenders availableNon-warrentable condos up to $1,000,0000 correspondent/ $3,000,000broker90% LTV with no MI on SFR/condo to $850,00080% LTV to $5,000,000Foreign national programs50% DTI

Commercial LoansSimple process/all data collection underwriting and processing done byinvestorsMulti-family (apartments) $1,000,000 & up to 80% LTVOwner occupied to $9,000,000 up to 90% LTVInvestment-owned single-tenant investment properties $1,000,000 & upto 75% LTV

FHAFHA streamline with no appraisalOver correspondent lenders availableIn-house condo approvalsNo minimum trade line requirements

Other Loan Products7 correspondent lenders availableIRRRLs availableVA Jumbo

VA & USDAConstructionBridge203k/Fannie Mae HomeStyleRenovationIHDA/MCCPortfoliosIFA

*Current as of 6/2/2016

The more options you have with your loan, the more equippedyou are to make the sale and keep the business. We offer

many correspondents to give you the best pricing possible.

ChaseCaliberWells

Penny MacUS Bankditech

Associated BankIHDA/IFA

AlliantM & TFNMC

RedwoodTexas Capital

FHA Direct EndorsedFannie Mae Direct Seller Servicer

Pacific UnionImpac

Illinois AssistFreedom Mortgage

StonegateMultiple Portfolio Products

TCF BankAnd many more!

Compass Mortgage is where Ibegan my career as a mortgagebanker. It’s also where I willretire. Compass Mortgagecares about our clientsmore than any othercompany I know.

Skip BrownSENIOR VP - MORTGAGE BANKER

WITH COMPASS SINCE 2002

At Compass Mortgage, we want our mortgage bankers available to sell, not process loans.That is why you are given an assistant for every loan through an Application Coordinator.

Our Application Coordinators will help expedite time spent compiling applications,acquiring documentation, and submitting, giving you the opportunity to generate more

business.

Save more time. Help more people. Generate more business.

2016 COMPASS MORTGAGE RECRUITING

I am dedicated to creating the best experience foryour clients while providing you the bandwidth to

focus your efforts on what you do best, selling.

Teresa DrawantApplication Coordinator

The application coordinator at Compass Mortgage has changed my entire business model. BeforeI started working with my application coordinator, I spent the majority of my time, for the past 10years, working on gathering documents and turning in files. Now that the application coordinator

is disclosing my completed application, sending them out to my clients and collecting all therequired documentation so that she can turn in the file to processing, I am on pace to originate

300% more files per month than I was able to do prior to using the application coordinator.

Having an application coordinator has been extremely helpful for my business and has allowedme to focus on my production, building relationships with referral partners and also enjoying a

greater quality of life and freedom in my business. Its helped me become and remain a topproducer rather than getting bogged down by the details of gathering docs, re-disclosing and

explaining large deposits.

Anthony D.

Zac H.

VP Mortgage Banking

VP Mortgage Banking


Our aggressiveand transparentpricing plans allow me toprice to my clients' needs,giving me greater control over theloan process.

Ryan CarriganVP - MORTGAGE BANKER


One of the greatest assets Compass Mortgage provides itsMortgage Bankers is transparency. We want to give you control

over pricing and want you to have 24/7 access to loan status.You are always in the know with your loans.

Access to raw rates

In-house underwriting

In-house processing

In-house closing

Track-ability for your loans

Direct Endorsed underwriting

Direct access to all investor pricing, programsand guidelines

Company intranet site

Regular meetings directly with Senior VicePresident of Sales

Direct access to Senior Management

At Compass Mortgage, we are all striving to be better in our careers. There are specific things wedo to ensure you are always reaching and exceeding your business goals. We offer customized

training on a regular basis in the following areas:

Business planning

Referral source development

Social media

Referral source partnership

Sales development

Loan products

Marketing


We want to ensure that you have the right tools to sell fast, better and more. Compass Mortgageprovides a myriad of streamlined and customized ways to market your name and brand to yourprospects, past client and referral partners. Compass Mortgage is ahead of the curve in the newera of marketing with guiding our clients from the education phase through closing.This marketing approach sets us apart from other companies.


Referral Source EventsYou need an environment to build andstrengthen relationships. We believe innurturing our relationships with our referralpartners. The best conversations happenface-to-face. We are dedicated to getting ourreferral partners events.

Home Buyer ScoutingClients are often overwhelmed by the amountof advertising that is pushed at them duringthe homebuying process. Other lenders andrealtors continuously market to them onother home buying websites. We protect yourclients and your referral partners’ clients withdirect access to an MLS app.

Client Mobile AppOur app allows customers to gain password-protected access to their loan status, as wellas directly message their mortgage bankerand upload documents on the go.

Client Appreciation EventsHere at Compass Mortgage, our clients matter.Not just during a loan process but all the time.We like to show our appreciation throughevents each year. Last year, we treated over1,200 past clients to an NIU football game andtailgate party.

Sold Home AlertWould it be beneficial for you to know whenyour past clients are thinking of purchasing anew home even before they tell you? We havean 98% open rate drip campaign that clientsaren’t able to resist. Whether they want toknow the value of their home or just be a nosyneighbor, we have the program for them.

Mobile PricingThe Optimal Blue mobile app allows ourmortgage bankers to quote rates on the go.


Automated Marketing

Everybody is busy. Getting your contacts intoa steady yet relevant marketing campaign is amust. We have the tools and systems to getyour full current and past clients into ourautomated systems.

Global/Customized Marketing

Here at Compass Mortgage, you can expect tohave a full arsenal of streamlined materials atyour disposal. During your onboarding we sitdown with you to come up with a customizedgame plan to hit the ground running.

Co-opted Marketing

Marketing your way. We don’t all fit into asingle mold. Compass Mortgage is here tohelp. We have a co-opting to program toencourage customized marketing programsfor you.

Pricing at Your Fingertips

Raw rates are essential to doing your job well.With our system, you have direct access to allof our investors, helping you choose the bestproduct for you and your client. We want togive you more control over the loan process.

Educating Our Clients

The future of purchasing a home is here. Thetimeline is the same but there is much moreimportance on the education stage. Here atCompass Mortgage, we value this stage of thehome buying process. We have staffdedicated to creating original blogs and whitepages for your clients to learn and depend onyour for expertise.

2016 COMPA

The extensivelist of products thatCompass offers allowsme to drive low rates & fees.This save my clients fromshopping around. They know I willalways have the best deal for them.

ZacHendersonVP - MORTGAGE BANKER


The culture of Compass Mortgage is unlike most mortgage companies. The culture of CompassMortgage stems from our three core values: Infinite Worth, Transparency and Integrity. We believeevery human, whether it be our client, employee or vender, is to be treated with the utmostrespect. We also believe in being a company of transparency. From our senior management beingtransparent about the company to giving our mortgage bankers raw rates, our goal is for ouremployees to be “in the know.”

We are here to get the work done quickly, correctly and together. We have a family-like attitude ofworking together to get the loans through the system. Our goal is to create a better mortgageexperience for our clients. When our clients see how we work together and get their file to theclosing table on time and smoothly, they are the happiest. More gets done when people worktogether.

Compass Mortgage is a firm believer in the well-balanced life. Our families come before all else.That mentality is passed down from our senior management to all employees.


Like a family,Compass Mortgagesurrounds you with ateam that will come aroundyou to constantly grow andmarket your business. Who wouldn'twant that?

Todd GosdenSENIOR VP

MORTGAGE BANKERWITH COMPASS SINCE 2016




Compass's ability to fight fortheir clients is impressive.Compass has their client'sbest interest in mind atall times. There is nogreater mortgagecompany to workfor.

Jason FowlerVP - MORTGAGE BANKER


We reward our top producers each year with an all-expense paid trip. You workhard and we want to reward your efforts. Past trips have included:

San DiegoCancun

Las VegasScottsdale

Florida KeysPalm SpringsJackson Hole

As a company focused on hiring top producers in the industry, 50% of ouroriginators qualified for the President's Club in 2014 and 2015.



You would only consider changingcompanies if you saw an opportunity togrow. We know Compass Mortgage is thatopportunity. As a loan officer, your mainobjective is to grow your clientele and togenerate more business but you can’t dothat if you’re worried about your transitionto a new company.

At Compass Mortgage you can continue togenerate more business as if nothingchanged because we will make thetransition effortless for you and get you upand running in no time at all. We have staffdedicated to your transition and that wantto see you succeed and grow here atCompass Mortgage.

Matt is here to assist you in getting whatyou need from Compass Mortgage. He willoversee the onboarding process with youto make sure you are set up with the righttools to sell. He will also set up and gothrough your business plan with you toensure a great start here at CompassMortgage.

Matt RayburnSenior VP of Sales

[email protected]

Danielle Deck

Justin Venhousen

Blake De Young

Sales Manager

Chief of Staff

Director of Marketing

Dani has been with Compass Mortgage for over 10 years. Dani will beassisting you with getting set up in our loan origination software. She willensure that you are ready with loan origination and product knowledgeyou need to hit the ground running. Dani will work one on one with you toensure your first transactions go smoothly through our process. Dani isyour resource for loan products and loan origination scenarios.

Phone: 630.821.3541 E-Mail: [email protected]

Justin, our Chief of Staff and Head of Human Resources will work one onone with you to get your NMLS license approved. If at any time you havequestions about benefits, licensing and continuing education, Justin isyour reference.


When transitioning, your first priority is to ensure your past clients knowyou are at Compass Mortgage. Blake is here to work with you one on oneto create a customized marketing plan that fits you and CompassMortgage. Blake will get your database uploaded into our CRM’s to startmarketing to them.


Leah PetersVice President

Business Development

Leah serves as a bridge between the marketing and salesdepartments. Leah will help you understand Compass initiatives and assistyou in achieving them. Leah is here to help you establish new referralrelationships and further develop existing relationships.


Compass focuses on theindividual client, ensuringthey receive the bestpersonalized servicepossible.That's whatmakes a client forlife.

Ed MidgleyVP - MORTGAGE BANKER



We understand that the only reason you would ever even consider making any type ofmove is if it were better than what you currently have. This is why we would like you toat least explore what Compass Mortgage has to offer you. Please feel free to contact

us with any questions. We look forward to hearing from you.

[email protected]

630-821-3574

www.growwith.compmort.com

Illinois Residential Mortgage Licensee NMLS# 21808 Illinois: MB:0005795, Arizona: 0909436, California 4131332Colorado: 21808, Florida: MLD308, Georgia: 38332, Indiana: 11020/11021, Iowa: MBK-2001-0104, Michigan: FL2845 /

SR0013053, Texas: 21808, Wisconsin: 38296BA/21808BR

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Grow with Compass