LENDING MORE THE ADVANTAGES OF BEING A LOAN OFFICER AT PHH HOME LOANS. PHH Corporation is an Equal Opportunity Employer.

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1 MORE THE ADVANTAGES OF BEING A LOAN OFFICER AT PHH HOME LOANS

2 MORE STRENGTH LEADERSHIP. STABILITY. SUCCESS. PHH Home Loans, LLC is a joint venture between PHH Mortgage and Realogy Holdings Corp. We provide mortgage services to more than 700 real estate offices within NRT LLC, Realogy s company-owned real estate brokerage business. Realogy is a global leader in residential real estate franchising and NRT is the nation s largest residential real estate company, ranked #1 nationally in real estate sales volume and transaction sides for 19 consecutive years. PHH MORTGAGE BY THE NUMBERS 5 TH LARGEST ORIGINATOR FOR RETAIL RESIDENTIAL MORTGAGES 1 $40.6 BILLION IN MORTGAGE FINANCING CLOSED 2 STRENGTH IN REPUTATION We re proud to be part of PHH Mortgage, one of the largest mortgage organizations in the country. Homebuyers have trusted our reputation for strength, integrity and service for more than 30 years. Together, we have the programs, expertise and personnel to help homebuyers find the right loan and close on time. 92.7% AVERAGE CUSTOMER SATISFACTION 3 50 STATES IN WHICH PHH IS A LICENSED LENDER 1. Based on 12M2015 statistics from Inside Mortgage Finance, February 26, PHH Corporation Announces Fourth Quarter and Full-Year 2015 Results, February 24, Full-year 2015 internal PHH customer service satisfaction survey score for I would recommend.

3 STRENGTH IN NUMBERS The PHH Home Loans mortgage family is a collection of outstanding brands that operate as one unit. We originate loans in 28 states and the District of Columbia under the brands of Axiom Financial, Coldwell Banker Home Loans, First Capital, PHH Home Loans, Princeton Capital and Sunbelt Lending Services. LENDING MORE LOCALLY We strategically operate out of four Regional Centers around the country, giving our Loan Officers the best of all worlds: the strength and benefits of a national lender with the onsite processing, competitive compensation and personal touch of a local mortgage company. WESTERN MIDWEST NORTHEAST SOUTHEAST CA UT CO MN WI IL MO IN MI KY OH PA VA NC NY ME NH MA RI CT NJ DE MD DC AZ SC GA TX FL We re looking for experienced loan officers. Interested in joining our team? Visit PHHHOMELOANS.PHHJOBS.COM to apply now PHH Corporation is is an an Equal Opportunity Employer.

4 MORE ACCESS TILT THE PLAYING FIELD IN YOUR FAVOR Our unique affiliation with NRT gives you access and opportunities that other mortgage companies simply can t match. As an in-house Loan Officer for an NRTowned Coldwell Banker or Sotheby s International Realty office, you ll be in the best position to build relationships with agents and able to efficiently assist them with their buyers home financing needs. SYSTEMS DESIGNED WITH YOU IN MIND Our multi-investor platform gives you access to more than 60 specialized loan products, allowing you to easily find the right product for your clients. Our full, upfront underwriting review eliminates surprises or delays in closing and once the loan application is started, you ll be supported by a team of underwriters, processors and closers who will ensure everything stays on track and moving toward closing so you can focus on growing your business. A SOLUTION-ORIENTED APPROACH One of the keys to Loan Officer success is direct access to decision makers. Having a team behind you to help find smart mortgage solutions allows you to keep selling while we handle the rest. It s an approach that fosters true collaboration and enhances both the Loan Officer and customer experience. Our commitment to finding a solution for every challenge is the best service we can offer our Loan Officers and clients. We re looking for experienced loan officers. Interested in joining our team? Visit PHHHOMELOANS.PHHJOBS.COM to apply now

5 MORE RESOURCES EXACTLY WHAT YOU NEED TO SUCCEED It all starts with you, the Loan Officer. That s why we designed our company around giving you exceptional business support. We provide the team, tools and technology to help you succeed every day. From our processors and underwriters to our marketing resources and materials, everything is focused on helping you close more loans. TOOLS TO STAY CONNECTED ONLINE APPLICATION Our online loan application is as easy to use as it is to find. Every Loan Officer is provided with a personalized web page to ensure you remain the primary point of contact with your clients. NEARLY 100% PAPERLESS We work to make your job easier by eliminating cumbersome paperwork and maximizing data protection. Our all-in-one system lets you do everything electronically, BUILD YOUR PERSONAL BRAND even signatures, and every team member can instantaneously access and share files. WEB CENTER Your customers have 24/7 access to our Web Center. This online experience helps protect information and save time. They can submit required documentation, e-sign paperwork and verify information, all with a few clicks providing a smarter, faster and more conventient mortgage experience.

6 MARKETING TOOLS High quality marketing tools position you as a mortgage professional and help you build your brand. You will stay relevant with resources to remain top-of-mind with past clients, prospects and real estate agents. CRM SYSTEM Our powerful, automated customerretention and prospect marketing program is a turnkey system that reminds your customers, prospects and referral partners that you re part of their team without ever having to lift a finger. ONLINE MARKETING LIBRARY You get access to our proprietary website that lets you tap into a library of customizable marketing materials that includes postcards, profile sheets, brochures, flyers, social media, homebuyer education and more. These tools are specifically designed to build name recognition and generate leads. We re looking for experienced loan officers. Interested in joining our team? Visit PHHHOMELOANS.PHHJOBS.COM to apply now

7 MORE OPPORTUNITY A CULTURE OF ACHIEVEMENT Loan Officers are the lifeblood of our organization, so ensuring that you are well compensated, recognized for your achievements and given an opportunity to voice your opinion is key. Regular calls with regional leaders give you the opportunity for open feedback, while daily and weekly updates on company programs and initiatives ensure we are all on the same page. COMPENSATION We offer a competitive compensation package, including a start-up guarantee, allocations for T&E and marketing and company-paid licensing. BENEFITS A number of our benefits are 100 percent company-paid, and there is an extensive list of attractive voluntary benefits. Health & Life Insurance 401(k) Tuition Assistance Wellness Programs PERSONAL ASSISTANT PROGRAM As a top performer, you may be eligible to work with an assistant who will be assigned to help you oversee and grow your pipeline. CHAIRMAN S CLUB & PRESIDENT S CLUB The Chairman s Club recognizes the elite top 10 percent of performers, who are eligible for an all-expenses-paid incentive trip for two. The President s Club recognizes the top 11 to 20 percent of all Loan Officers, who will receive a cash award. Sales leaders in both tiers of recognition can use this designation in their marketing and will receive an increase in monthly reimbursement for T&E, operational prioritization and other benefits.

8 1 Mortgage Way Mount Laurel, NJ PHH Mortgage. All rights reserved. PHH Home Loans, LLC - NMLS ID # 4256; RMR Financial, LLC d/b/a Princeton Capital, First Capital and Axiom Financial - NMLS ID #49456; PHH Home Loans d/b/a Sunbelt Lending Services - NMLS ID # PHH Home Loans Corporation. All rights reserved.