We work hard to make mortgage easy.

and your job

WE ARE a full service mortgage lender.

WE ARE approved by Fannie Mae, Freddie Mac, and Ginnie Mae.

WE HAVE the broadest product range in the industry.

Pacific Union began as a contrarian move, reaching out to a traditionally underserved market – and we still go against the grain, seeking out people who aren’t satisfied with the status quo. Smart, innovative, passionate people who want to reach more borrowers and close more loans. Are you the kind of

person we’re looking for?

Pacific Union at a Glance

All we’re missing is you

2004 Pacific Union Financial founded by Evan Stone

2011Correspondent Channel added

2008Wholesale Channel added

2013 In-House Loan Servicing added

2012Rick Skogg appointed CEO

2015 • Servicing Portfolio exceeded $19 Billion

• Retail Channel origination volume increased more than 440% over 2014

2014• Retail Channel added

• Monthly funded volume topped $1 Billion

you join Pacific Union

Why Pacific Union?

You’re not just like everyone else. You don’t want to work at a company that’s just like all the others.

Here’s what sets Pacific Union apart.

Stability:

Our record of proven strength, integrity, and success speaks for itself.

National Footprint: From licensed states to branch locations to fulfillment centers, we cover the map.

Products: From Prime and Jumbo, to minimum FICO scores of 560, our products reach more borrowers.

Operations: Our team structure is unique in the industry. So is our underwriting philosophy.

Technology: We have the premiere LOS in the mortgage world. And have you seen our app?

Marketing: Print collateral. Email campaigns. Digital done right. All at your fingertips.

Training & Onboarding: Transitional loans, online training, and every resource you need.

Leadership: A strong retail channel needs strong leadership. Fortunately, we nailed that.

Culture: Bring your “A” game when you come to Pacific Union, and you might just need your passport.

APP

We cover the country from sea

to sea, but more importantly,

we’re adding more coverage

all the time. It’s all part of our

mission to create the best

customer experience possible.

Location, location, location

DALLAS, TEXASNEAR CORPORATE HEADQUARTERSNational Footprint

States with Retail Branches

AlabamaArizonaCalifornia FloridaGeorgia

IowaLouisianaMarylandMinnesotaMissouri

NevadaNew JerseyNorth CarolinaOklahomaTennessee

TexasUtahVirginiaWashingtonWest VirginiaWisconsin

Licensed in 49 StatesFulfillment Centers

Products for Every Need

You want the tools to reach more borrowers and close more loans. At every level and for every

challenge, we have an option.

AgencyFannie Mae

Freddie Mac

Ginnie Mae

Non-AgencyExpanded: Interest Only,

Foreign Nationals

Credit: No Seasoning

on Bankruptcies and Foreclosures

ConventionalHigh Balance & ARMs

FHAHigh Balance & ARMs

Specialty – 560 minimum credit score

Limited 203(k) Rehabilitation loans and

203(h) Disaster Victim loans allowed

VAHigh Balance & ARMs

Specialty – 560 minimum credit score

HARPUp to 200% LTV

No credit score or DTI overlays

USDANo credit score overlays

No minimum loan amount overlays

Additional HighlightsEscrow Holdback

Manufactured Homes

Jumbo Loans up to $3M

Up to 97% financing on Fannie Mae loans

Select Bond Programs

Remove the Friction

At Pacific Union, our operations team is designed around you. Personal point of contact? Check.

Unique team structure? Check. An underwriting philosophy of service? Extra-turbocharged check.

Sales CoordinatorCompletely distinct in the industry, you are assigned a single point of contact – your Sales

Coordinator. Each one is expertly positioned to provide you all the information you need

on your pipeline, loan statuses, and loan scenarios. They are ready and standing by to get

the real answers to your questions.

Our Sales Coordinators are mortgage professionals with a background in the business, so

they understand your needs. And you can only find them at Pacific Union.

Team StructureEach of our fulfillment teams is composed of processors, underwriters, closers, and

funders located in regional processing centers across the country. Instead of your loans

going into a massive national queue, you work with the same team again and again,

creating the kind of personal relationships only possible on a smaller scale.

Even though we’re a company of over 1,500 people, you won’t get lost in the shuffle. Our

teams are built to keep firsthand communication flowing.

Underwriting PhilosophyWe take pride in the fact that we are Fannie Mae, Freddie Mac, and Ginnie Mae direct.

Plus, we’re able to offer minimal overlays on compliant loans.

Our underwriters get to know you. Understand you. Share your sense of urgency. And our

philosophy is to be as flexible and supportive as possible.

THIS IS HOW WE DO IT.

Top Tier Technology

The mortgage industry isn’t known for cutting edge technology. That’s about to change. And

we want you to be a part of it. Not only are we using the most interactive LOS available, we’re

designing the app that will redefine the customer’s mortgage experience.

MAXMAX, short for Mortgage Approval Xpress, was designed by financial professionals. It’s

web-based, transparent, and flexible.

The interface makes collaboration easy, from processors to underwriters to loan officers.

All parties get an automated email when a loan is approved, and the conditions pages are

easy to share. With a single click you can print the 1003 from a convenient Loan Actions

Menu that saves time.

It’s foolproof, too. If you run your findings and get an error, MAX will flag the problem tags

in red so you know just what to change or fix.

Bottom line? MAX works – for you.

Pacific Union AppCurrently under development, the Pacific Union App will revolutionize the customer

experience. Keep your borrowers informed every step of the way, and keep your whole

team in the loop with ease.

Waiting on your borrower to complete a crucial step? Your phone will alert you when

they’ve finished. Need to chat live online? The app will handle that too – and archive those

conversations for you.

Innovative. Customer-centric. Convenient. You deserve the best tool available, so we’re

building it for you.

FASTER. SIMPLER. BETTER.

Your Marketing Machine

Our CMO hand-selected a marketing team with the best brains in the biz. Their mission? To make

mortgage sexy.

Digital Marketing & VideoFrom SEO to social media expertise, from influencer marketing to deep data dives, your

marketing team is in the know. We eat, sleep, and breathe marketing automation, social

listening, and PPC. So when we create images and posts for you to share on LinkedIn and

Facebook, you’re getting optimized content designed for the web.

But it doesn’t end there. Our personalized LO websites feature high-end design with a

strong personal brand – and top performing LOs even get professionally produced video

to supplement their page.

Print CollateralFlyers. Postcards. Seasonal mailers. We’re excited about innovation, but that doesn’t

mean we’ve forgotten the basics. It’s important that you have attractive, accurate

information that you can put in a borrower’s hand. All our flyers feature a fresh, unified

design with excellent branding to keep you top of mind.

Email Campaigns & CRMWe use a system to allow you to send exactly the right email at exactly the right time,

automatically building you a drip campaign to make the most of each point of contact.

You’ll receive a login that will allow you access to a wide array of email options, each

one sharing the unified branding with our print work and offering a five-year post-close

campaign to keep in touch for referrals. Go ahead — reach out to clients. We’ll give you

the tools.

Welcome Aboard

Are you ready to up your game? Don’t worry about anything falling through the cracks. We have

you covered.

Transitional LoansA smooth transition is the dream of any loan officer. Pacific Union has decided to make

that dream a reality by creating a team to support you. During onboarding of a new loan

officer, new branch, or when a gap in licensing occurs, the Specialty Lending Group is

there to support you and your referral so that your hard work doesn’t go to waste.

TrainingFrom webinars to training videos, you have a wealth of information at your fingertips –

and it’s there on your schedule. Our centralized resource allows you to contact HR,

reference the handbook, and even check the weather.

Company StoreAll your promotional materials in one place. Our Company Store features promotional items

from pens to keychains for your event needs. How about t-shirts or caps? Yep, they’re in the

store. You can even order business cards. And there’s more available all the time.

BenefitsOur benefits package is also tops in the industry, with everything you expect and a few

bells and whistles on top.

A SMOOTH TRANSITION IS THE

DREAM OF ANY LOAN OFFICER

COMPANY STORE

• Medical, dental, and vision coverage

• Competitive paid time off

• Competitive compensation plans

• Employee Loan Program

• Fully funded short and long term disability plans

• Fully funded Basic Life and AD&D plans

• Wellness programs

• Recognition programs

• Outstanding performance management

• 401(k) plan with discretionary employer match

Your Retail Team Captains

“Being committed is not enough anymore.

Our passion to create the best customer

experience is what defines us. It makes us

smarter, faster, more innovative. It creates a

culture of success. ”Rick SkoggPresident & CEO

“An unwavering focus on delivering extraordinary

customer service allows Pacific Union to keep

striving for our goal – to make home ownership

one of life’s most rewarding experiences for our

employees, business partners and customers. ”John HummelSr. Executive VP, Retail Lending

“A great customer experience is often defined

by what the customer doesn’t see. Flawless

execution by passionate people behind the scenes

defines our success. We remove the friction to

make mortgage easy. ”Barbara SydowSr. Executive VP

“I believe that personal satisfaction springs

from tireless dedication to the improvement and

deployment of one’s skills and abilities to achieve

goals, investment in the growth of others, and

the creation of deep and lasting relationships. ”Madison SimmSr. Executive VP & Chief Financial Officer

“Change the status quo - delight the

customer at every turn & create an experience

that is the envy of every industry. This

becomes our brand. ”Jim McDonaldSr. VP & CMO

“Managing risk is a not a function of

understanding what we know, but having

the ability to understand the impacts of

what we don’t. ”Brandon StorySr. Executive VP Capital Markets

& Business Intelligence

A Culture of SuccessYou spend a third of your waking hours at work. Shouldn’t it be worthwhile? And shouldn’t

you feel valued? We think so too. That’s why our culture rewards achievement, encourages

connection, and keeps the communication flowing.

PACEOur annual incentive trip, christened the President’s Annual Circle of Excellence, is an

all-expense-paid trip for each winner and a guest to an exotic beachside resort. This

working vacation isn’t limited to sales either – our support staff has the opportunity to go

as well, something almost unheard of in the mortgage world.

Company CelebrationsHit a milestone? Yeah, we get to celebrate. And we just keep surpassing our goals,

so more celebrations keep getting planned. (Oh, and our annual holiday parties are

becoming the stuff of legend.)

Give a WOWWe believe in credit where credit is due. When a fellow Pacific Union team member goes

above and beyond for you, our internal Give a WOW program allows you to show your

appreciation with public praise and maybe even a gift headed their way.

Company NewsletterHome Front, our company newsletter, features serious information, from all of our

channel leaders. It also features charitable efforts, important company achievements, and

information designed to help you stay healthy – physically, mentally, and financially.

You know what you’re capable of if you’re given the tools and support to succeed.

And we know that we can provide you with those tools and that support.

So the question isn’t: Why should you join Pacific Union?

The question is: Why wouldn’t you?

If you’re passionate, if you’re smart, if you’re ready to

improve upon the status quo – then you’re already one of us.

You just need to let us know that you’re ready.

Are you ready?

For recruiting purposes only. Not intended for public use or distribution.

All information contained in this document is confidential and proprietary and may not be reproduced or disclosed to anyone not originally intended without the express written permission of Pacific Union Financial, LLC. Pacific Union Financial, LLC, 8900 Freeport Parkway, Suite 150, Irving, TX 75063, (800-809-0421), NMLS Number 2221, www.nmlsconsumeraccess.org, Equal Housing Opportunity. VS#RTPD-001-01.12.2017

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