2012

NMLS #2914

Why ?

Company Overview

iServe CompaniesSan Diego Corporate Headquarters

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The Teamoriginate more.fund more.make more.am part of a great team.

“Talent wins games, but teamwork and intelligence wins championships”

– Michael Jordan

“Great Teamwork is the only way we create the breakthroughs that define

our careers.”

– Pat Riley

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Bu lding a Better CompanyiServe Residential Lending, LLC was established in early 2004 as a multi-state direct lender. We can assist you in building your business by providing you the needed stability which is so often missing today. With a management team with more than 100 years of combined mortgage banking experience, iServe maintains an excellent reputation among its peers and business partners as being a quality organization implementing comprehensive underwriting due diligence and integrity. The discipline incorporated in our operations has allowed us to successfully navigate through these turbulent times.

PhilosophyOur company’s philosophy is simple: provide superior service, great technology, and a full range of competitive loan offerings to our borrowers. Our borrowers have entrusted us with one of the most important financial decisions of their life – we take that seriously and strive to make their home financing experience enjoyable.

iServe Residential Lending’s goal is to emerge as one of theleading mortgage bankers in the industry. Our nationwidestrength has afforded us the ability to develop many deepinvestor relationships…so we are able to provide yourborrowers with more product choices and pricing options.

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The R ght ChoiceWith a wide variety of investor options and the ability to broker a deal if needed, your borrowers can find the right product at the right price.

• Conventional / Conventional High Balance

• FHA (credit as low as 580) / FHA High Balance

• VA

• USDA Rural Development

• Jumbo

• Homepath

• HARP 2.0 options

• Expanded DTI Ratios as Determined by DU

• Investors with up to 10 financed properties

• The ability to broker in the unlikely event that there is a product we cannot offer directly

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Speed and T meliness

• Conventional and Conventional High Balance loans close within 21 days

• Superior operations support and process with 24-48 hour underwriting.

• Electronic disclosure process

• Appraisals are ordered through our local fee panel for quick turnaround

• Online origination system with integrated lock and eligibility engine for 24/7 access to your pipeline

• Smartphone app for pricing and pipeline tools

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Strength and Stab lity

• Well-capitalized, diverse parent company with Wall Street roots

• Innovative marketing strategies with a dynamic CRM platform integrated with our LOS

• Your own branded web presence, with the ability to offer B2B websites that drive leads to you

• Dedicated licensing department to handle all State Licensing and Compliance for an easy, seamless transition

• The security and stability of a big lender.

• Dedicated and responsive support team

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Success and Prof t• Proprietary REO sourcing for your Realtors

drives more loans to you.

• Branch Managers: Flexible revenue opportunities and the ability to set your own branch margins.

• Branch Managers: Keep 100% of your branch profits

• Flexible revenue opportunities and the ability to set your own branch margins

• W-2 employee with 401K, group health, dental, vision and disability benefits

• Support for all accounting, human resources, payroll, licensing and operations

• We’re not your competition - we are committed to retail branching so you can capture more market share. Branching is our business!

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Experience • Comm tment • Knowledge

Ready to take the next step?

NMLS ID 2914. Licensed and Supervised by the Arizona State Banking Department Mortgage Banking License BK-0906322. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, CRML License 413-0646, Colorado Supervised Lender

License # 988552; Florida, Mortgage Lender License # ML0400224; Georgia Residential Mortgage Lender, License # 19613; Idaho Mortgage Lender License # 4043; Maryland Mortgage Lender License # 11855; Nevada Mortgage Banker License # 3488; North Carolina Mortgage

Lender License # L-124394; New Mexico, Registered Mortgage Loan Company License # 02080; Oregon, Mortgage Lender License # ML-3238; Tennessee Certificate Registration # 000003929; Texas Mortgage Banker Registration # 83950; Utah License # 5747610-MLCO; Virginia

Mortgage Lender License # MC-3220; Washington Consumer Loan License # CL-2914

For more information, contact:West: Allen Friedman

415.298.2500afriedman@iservelending.com

East: Ken Michael615.869.0396

kmichael@iservelending.com

or apply online at:

www.joiniserve.com