2. + Welcome to Norcom Norcom has endured over twenty years of success in what can only be described as a chaotic and ever- changing industry. Our dedication to purchase business is built upon a foundation that incorporates industry-leading support, a solid compliant infrastructure and a deep-rooted connection to the communities we do business in. We are looking to partner with individuals who appreciate the same values of success, independence and sustainability. Norcom recognizes that each persons situation is unique and offers the opportunity to get to know you as an individual, in the hopes that we can achieve success together. We believe that great partnerships equal great success. Norcoms philosophy is to control our growth. Investing the right amount of focus and support in your transition is our number one goal. Communication and teamwork are paired with unparalleled back room support that enables a purchase-focused originator to distinguish themselves in a competitive market. Please take the time to review our brochure to get a better idea of our culture and the kind of company Norcom is. Our doors are always open, and we invite you to come see our operations in person; to meet some of the people that make this an incredible place to be part of.We are always available to travel to you as well and look forward to the chance to get to know you better. If you have any questions, feel free to call me directly or reach out to any member of our retail team. Wishing you continued success, Phil DeFronzo President and CEO Phil@norcom-usa.com 860-676-8003 x119
3. + Locations and Licensing
4. + One Goal, One Philosophy: Branching Made Easy Norcom Mortgage was founded in 1989 on the concept that superior customer service separates one mortgage lender from another.We have experienced steady,controlled growth ever since,and this year,we have become Connecticuts #1 independent purchase lender.Norcom's Branch division was created with that same understanding.No matter where you are located,you will have a dedicated team to help you every step of the way. Today,by providing unprecedented access and service to their Branch Partners,Norcom Mortgage and their partners continue to grow by setting themselves apart from the crowd. Let Norcom show you how branching can be made simple! No-nonsense fee structure. One small monthly flat fee that covers technology, AUS, LOS, Accounting, Marketing, Legal & Compliance. We currently service over 6,000 of our own loans with a value over $1 billion. Common sense underwriting with minimal overlays. Full array of employee benefits - 401(k), health, dental, eyeglass, flex spending accounts. You will have your own account for your branch at an FDIC insured institution with 24/7 access to see the transactions. In-house appraisal management company.
5. + Norcom has seen some of its competitors fall to the perpetual regulatory changes in this industry over the past few years.We have found a way to not only continue our success, but also stay ahead of the curve and thrive. Our President serves on the Mortgage Bankers Associations Residential Board of Governors and our General Counsel/Chief Compliance Officer is a member of the Mortgage Bankers Associate Regulatory Compliance Committee and a Dodd Frank and RESPA task force member, which puts Norcom in a position of contribution, authority and preparedness. Norcom is built on a compliant foundation, and has never faltered from that position.We are financially stable and well equipped to endure future economic changes. Security and Consistency
6. + Norcom Wins TopWorkplace Award ThreeYears Running n Norcom Mortgage and Insurance has been recognized as a Top Workplace for 2014 by the Hartford Courant and FOXCT. n Workplace Dynamics created this program to acknowledge the companies that have the best work environments and that allow employees to perform better than their peers. n The President and CEO of Norcom, Philip DeFronzo says, Norcom is a great place to work because of the great people that work here.I am so proud to be part of such a hardworking and fun group that has experienced such incredible growth in the last few years.I am particularly honored to be working with people that also value giving back to their community through our Norcom Cares organization.
7. Communication and Customer Service Norcom strives for perfection and has assembled a team of professionals that are dedicated to our position as a highly respected Mortgage Banking Institution.There are no gaps of communication, no closed doors and no unreturned correspondence.We guarantee 100% effort in the efficiency of closing loans. Promises Delivered We see it all the time, a loan originator chooses a company for all the wrong reasons; feeding off promises and visions of the perfect company only to be let down within weeks of their new employment. At Norcom, we mean every word of what we say.The proof is in the fact that we have never had a branch leave, and some of our LOs have been here since Norcoms founding.
8. As a direct lender,Norcom offers you the advantage of minimal overlays and a support staff thats dedicated to getting your loans closed as quickly as possible. We have a dedicated retail staff within our operations structure,so you receive the attention you deserve.Our range of tools and support will help create and maintain realtor relationships. Underwriting scenario helpdesk Virtual paperless system Appraisal efficiency- with our own AMC (ValueQuest) Processing, underwriting and closing all centralized. Support & Operations
9. Products Direct Fannie/Freddie Servicer and Ginnie Mae Issuer. * We welcome the review of any product unique to your marketplace you feel would contribute to your loan production. Product Offerings Conventional FHA Fixed and Adjustable-rate conforming products Reverse products Jumbo products USDA Financing Bond programs FHA 203(k) FHA/VA Streamline VA 100% cash out HARP products HELOCS Construction Niche products And many more!
10. + Our Technology Norcoms perfect suite of products allows for seamless origination,ensuring ease and efficiency for your loans from start to finish.From marketing to your customers and submitting your loan application,to locking and tracking its progress.Norcom provides you with consistent and dynamic technology,so you can focus on nurturing new relationships and attracting new business. Encompass Banker: A user-friendly, paperless LOS system, with automatic compliant review features that ensure all documents are accurate. Easy tracking and notes feature for constant updates on the status of your loan. Convenient e-signing available on most documents. Lending Manager: A website management portal that supports your individual web presence.We offer personal URLs with mobile compatibility, online applications that automatically push to your prospect folder within Encompass, and auto-populated marketing materials with your headshot and contact information. Optimal Blue: Our online pricing engine is designed so your comp plan is automatically calculated into the pricing.We offer locking of your loan up until 9:00EST at night with the ability to lock from within Encompass Banker. *Tech Support:We provide a dedicated team of tech professionals for each product that will train and assist you with any possible need.
11. Marketing Setting yourself apart from the competition is what makes you successful as a loan originator. Our in-house marketing department is prepared to help you with your individual needs and ideas.Whether you want to create a personal flyer to help co-brand with a realtor partner,or come up with the perfect radio ad for your market,we are here to help.Norcom has been building brand recognition for years. Social Media Marketing & Training Individual Website with online applications Co-branded Marketing Promotional Items Creative Services Graphic Design And more
13. Social Media Leveraging social marketing is the most efficient, cost effective way for you to brand yourself. Norcom Mortgage encourages its branches to be active on all social media outlets. Our marketing department manages corporate profiles on all sites and will work with you to develop your social media platforms. We can train your staff on social media best practices and tips that will help grow your audience and increase interaction. Facebook.com/NorcomMortgage Twitter.com/NorcomMortgage
14. + Training and Onboarding n New Branch Orientation includes hands-on training for Encompass, Products, Pricing Engine, Marketing, Human Resources and more. n Branch visits, one-on-one and group trainings as requested. n Branch managers have a team of experts helping ensure the onboarding process is flawless. n All licensing needs are handled by our Compliance Department to ensure the fastest licensing transfer possible. n We will take care of your equipment set up, marketing support, system training and accounting so you will be ready to submit your first loan as a Norcom employee.
15. + RecognizingYour Achievements You work hard for the money you make and we take notice. Norcom is fully aware that the success of the entire company relies heavily on your individual success and we aim to reward you accordingly. Diamond Producer Club | Platinum Producer Club | Gold Producer Club | Silver Producer Club Recognition Annual Top Producer Sales Trip *2014 Trip to Tuckers Point, Bermuda
16. + Human Resources Benefit Provider Medical ANTHEM BlueCross/BlueShield Dental Humana