Let’s Change Lending Together It’s a fresh new era in the mortgage industry. And we’re leading the reinvention. With partners like you, we can give homeowners what they have always wanted and deserved: excusefree transactions closed on time by real estate professionals who understand that a home is more than an investment — it’s the realization of a dream come true and the place where the stories of the people who live there are created.

greenpathfunding.com

GREENPATH CULTURE Bringing Back Trust in Mortgage Lending The mortgage industry is broken. Limping back from the recession, there is a lot to fix — from regaining consumer trust, to re-establishing accountability, to creating a sustainable market. We have an impressive challenge ahead of us. And yet, that’s our reason for being. We founded Greenpath Funding with a decisive purpose: to reinvent the broken mortgage industry. It’s personal to us. We believe that homes are more

WE STAND BY OUR MISSION

To provide every home buyer with outstanding service by a team of knowledgeable, efficient, trustworthy mortgage professionals, who will close the home purchase transaction on time, every time.

than bricks and mortar. Mortgage lenders are more than order takers. And real estate agents are more than salespeople. Together, we represent a connection to a dream most of us seek to achieve. Some families are yearning to ground their personal stories with a concrete foundation. Others are seeking to build a legacy for future generations. And others simply want to stop wandering and stand still for a moment to reflect.

We believe we can give them these things — and more. Consumers doubt whether mortgage lenders can

be trusted and whether accountability still exists. You see it. We see it. And we’re going to change it. Through our core values of accountability, consistency, integrity, teamwork and efficiency, Greenpath Funding is giving consumers a reason to connect again with the mortgage industry. To succeed, any reinvention calls for innovative thinkers to join the cause. Consider this your invitation.

WHO WE ARE Bringing Back Trust in Mortgage Deals Greenpath Funding is a fast-growing direct residential mortgage lender with offices in Orange, Riverside and San Diego counties to serve the Southern California market. Over the years, we’ve developed a tenacious reputation for strong pricing, competitive products and fast closings. We’re proud of the status we’ve earned — and we aim to keep it that way. On average, we seal purchase transactions in 15 days or less. How we accomplish this speed and control is the result of a combination

of the best talent and a streamlined system carefully designed to become the model for reinvention. Now more than ever, experienced mortgage experts are one of the most-important qualities to look for in a lender. You can stake your reputation on our knowledge. Our talented management team counts more than 150 years of collective experience in the mortgage industry. No guesswork here. Their talent lies in pairing the right mortgage products to buyers’ unique financial goals.

Using top investors, our mortgage consultants offer competitive rates on a vast array of mortgage products, including FHA, VA, low-adjustable and fixed-rate mortgages, USDA Rural Housing, jumbo and conventional mortgages.

HOW WE DO IT Shaking Up Lending, One Conversation at a Time Do you believe the time-honored qualities of communication and collaboration are sorely missing from the playbook of too many mortgage companies? We do, so we changed how mortgage companies operate. You’ll see the difference when you work with us.

WHERE YOU FIND FAST SERVICE, DELIVERED HONESTLY

“As any homeowner will tell you working with a mortgage lender can be challenging. I was very happy to find Greenpath Funding. As a first time buyer I had a ton of questions but my loan officer was right there, he was so patient and went over everything with me step by step. The whole team made sure I was happy with my loan and that was very important to me. I am so thankful for their help and expertise!” —Richard S., Satisfied Greenpath Funding Client

Loans cannot be lost or forgotten Communication is the key to our successful transactions. With automated communications within our organization, we log every loan into a tracking system that alerts processors and loan officers when tactical deadlines are in jeopardy. Every party involved in the transaction receives real-time alerts, ensuring homebuyers and their real estate agents are informed continually. And we keep ourselves accountable, even during our busiest months, through milestone alerts and detailed reporting.

We don’t know the meaning of quitting time Communication with our clients and real estate agents does not stop at 5 p.m. We know that questions arise in the evening or during weekends that can’t wait until the next business day for resolution. That’s why our loan consultants answer their phones after hours and can access their office desktops from anywhere. Greenpath Funding is committed to keeping buyers and real estate agents updated on the status of their loans. Consultants keep in constant contact with clients as part of our quest to create an improved mortgage lending experience.

WHAT WE DO Rethinking the Way Things Are Done Greenpath Funding is Southern California’s premier purchase lender, so we know the spotlight is on us. And we love to perform. We carry out our mission to provide a refreshingly simple and expedient home financing experience with every client, every real estate professional, every day.

We intuitively designed our operations center to deliver speed and transparency. Processors, underwriters and closers are all under one roof. With constant interaction, no time is wasted waiting for phone calls, emails or overnight packages to process a loan. When every minute counts in getting your transaction to the finish line, we don’t take chances.

As a part of this commitment, we’ve re-engineered the way mortgage companies conduct business. We call it common sense, but some are calling it radical. Either way, clients and agents triumph.

We even steer the funding process because we maintain our own warehouse lines to fund loans. Our zealous control is your peace of mind. Your clients can plan their moves confidently and avoid extra storage fees due to closing delays.

We provide personal attention and guidance during every step of the home loan process, from origination to closing. You’re never alone.

Why are we so meticulous? Because mortgage loan processing is the most-important step in the mortgage loan-approval process. It’s that

decisive stage when a mortgage company decides whether to approve your client’s loan. There is a lot riding on this decision. To many mortgage lenders, this step is simply a financial calculation, an algorithm designed to minimize their risk. Here at Greenpath Funding, mortgage loan processing means more. Beyond a set of data, it represents the anxious moment when your client learns whether a dream is within reach. To the real estate agents who refer their clients to us, mortgage loan processing represents another way to add value to your client relationships — not to mention the path toward closing the purchase of a home.

When working with us, your clients and you can expect Greenpath Funding to adhere to a tight schedule:

DAYS

DAYS

DAYS

DAYS

DAYS

DAY

DAY

APPLICATION SUBMISSION

PROCESSOR SUBMISSION

INITIAL DECISION

FINAL SUBMISSION

FINAL DECISION

DOCS OUT

FUND

We present this timeline because accountability never goes out of style at Greenpath Funding.

WE UNDERSTAND WHAT’S AT STAKE

“Thanks for the outstanding job you and your team always do. You really pulled this whole transaction together. I would have lost the sale and my buyers would have lost the home without your help. I can’t thank you enough.” —Linda R., Realtor

Will You Accept Our Invitation to Experience the Greenpath to Success? Your Title on Your Business Card is Real Estate Agent. But We Like to Think of You as Our Partner. With so much apprehension abound in residential real estate, convincing homebuyers to work with you can be daunting. You need an advantage to stand out among your peers, and shoppers want a seamless process to make their experience as friction-free as possible. By aligning with Greenpath Funding, you can market with the confidence of knowing you have what consumers want today.

• Transparent processing • Outstanding customer service • Expedient transactions • Automated communications • Extended availability • 15-day closings • 85% purchase pipeline • Competitive products, rates, and fees Call us today or visit our website to learn more. And welcome to the reinvention of residential real estate finance.

Email: [email protected] Toll-free phone: 800.272.LEND Corporate Headquarters: 26800 Aliso Viejo Pkwy., No. 100 Aliso Viejo, CA 92656 Phone: 949.831.3000 greenpathfunding.com

Greenpath Lending, LLC is an Equal Housing Opportunity Lender. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Mortgage License # 4131010 The Lending Partners, LLC (forced name in CA) Greenpath Lending, LLC. All Rights Reserved.