Why SunTrust Mortgage

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Alexina Butler
6 years ago
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1 How we shine At SunTrust Mortgage, we ve helped millions of clients realize their dream of homeownership, an accomplishment we take great pride in. How have we consistently achieved such an impressive record of success? By providing dedicated employees, our most valuable asset, with the resources and rewards to grow both in business and in life as they light the way to financial well-being. By hiring client-focused mortgage professionals who recognize the importance of intimately understanding clients needs and crafting solutions that make moving day a reality. By creating a team-oriented work environment in which every teammate is committed to delivering impeccable service and a memorable client experience.

2 Why SunTrust Mortgage We ve established an environment that provides teammates opportunities for growth and success. Our client relationships Our mortgage professionals are not only the face of our company, but the heart of each client connection. We trust in them to retain and nurture client relationships, now and in the future. Outstanding fulfillment and support Benefit from the support and backing of an efficient service team. Closing on time is an unwavering priority. Powerful marketing tools State-of-the-art lead generation programs, prospecting tools and personalized websites help generate new opportunities with prospective clients and referral sources. Product innovation In addition to traditional offerings, we pride ourselves on unique portfolio products that give our mortgage professionals a competitive edge in the mortgage marketplace. Teamwork and accountability With a culture of mutual accountability, teammates work closely together to achieve excellence in execution and client delight. We excel as one team. Communication and transparency We listen to our employees; they are the voice of our company and the heart of our success. Our senior management actively solicits feedback and ideas from team members through numerous forums. Financial strength and stability The financial resources and backing of a stable world-class banking organization allow our teammates to focus their efforts where they belong on meeting client needs. Community involvement Our company actively supports the communities we serve and strongly encourages volunteerism through onup Together, a corporate program inspiring community participation and social responsibility. Career growth and advancement Our people are our most important asset and our first priority is investing in them. We offer an exceptional training curriculum and top performers enjoy exciting potential for advancement. Excellent compensation and benefits Our goal is to hire and retain the best talent in the industry. Our employees prosper from an outstanding compensation plan that recognizes and rewards sales excellence. Our career opportunities, inclusive environment and focus on community outreach make SunTrust Mortgage an ideal workplace.

3 Referral Strategy We recognize that distinctive referral segments require focus and specialization. For this reason, we ve established skilled business development and support teams for four unique sources of business. REALTORS Real estate agents are the heart of our referral network. With over 63,000 agents in our footprint, we ve aligned a skilled team to support these relationships. We offer valuable education and insights into the mortgage industry through workshops and presentations to help agents prepare for regulatory changes and product enhancements. Builders We ve created a Center of Specialization staffed by highly trained mortgage professionals, underwriters and closers committed to processing loans exclusively for our builder customers. Private Wealth With affluent consumers comprising a significant home buying segment in addition to a significant number of SunTrust Bank clients, we have tailored several mortgage solutions to meet their needs. From an industry-leading doctor s mortgage to selective jumbo products, we can address the unique lending needs of affluent and wealthy homebuyers with a competitive advantage. Branch Network As part of a $205 billion dollar bank serving four million retail and commercial clients in the Mid-Atlantic and Southeast, SunTrust Mortgage serves one of the most productive networks in the country. Recognized in the industry for inspiring client loyalty through exceptional service, SunTrust bankers focus on uncovering client needs by developing long-term, trusted relationships. And if a mortgage need arises, our bankers warmly introduce our loan officers to bank clients to help them understand options that fit their personal goals for financial well-being.

4 Products & Programs SunTrust Mortgage is a full-service lender, proudly offering a wide range of financing solutions tailored to our clients needs and circumstances. Conventional mortgages for conforming loan amounts Government mortgage programs such as FHA, VA and Rural Development Affordable product suite that offers: - Low down payment solutions - Flexible closing costs alternatives - Low Mortgage Insurance options - Bond loans Traditional and specialty jumbo financing programs, featuring: - Jumbo loans - Specialty loans with minimum income and asset requirements - Loans for Private Wealth Clients and prospects Industry-leading Doctor Loan Program 4 with 100% financing available up to $750,000, no private Mortgage Insurance requirement and higher loan limits available for doctors and dentists Competitive extended lock programs Please note: This is not intended for distribution to consumers. Product eligibility and availability may be subject to geographic restrictions, income and asset requirements, relationship with SunTrust Bank, state regulations and other SunTrust Mortgage or Investor requirements. Features within a particular product are subject to limitations of that product s guidelines. 4 Available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed Residents, Interns, Fellows in MD and DO programs and licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their training within the last ten years. Doctors with over ten years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your Loan Officer for details.

This dynamic marketing tool keeps you front and center with existing

sent to clients and prospects quarterly.

Self-Service Direct Marketing: Quickly send targeted e-mails and

Mortgage products, programs and special events.

prospects a warm Thank You card, a variety of additional announcements

5 Continuity Loyalty Program The Continuity Loyalty Program is a relationship-building direct marketing and lead generation program. This dynamic marketing tool keeps you front and center with existing clients, referral sources and prospects to help capture future sales opportunities. HomeFront Newsletter: Professionally designed mortgage newsletters are sent to clients and prospects quarterly. Client newsletters are provided at no expense to loan officers. Self-Service Direct Marketing: Quickly send targeted s and postcards to clients, prospects or referral sources, promoting SunTrust Mortgage products, programs and special events. E-Cards and Postcards: In addition to sending all new clients and prospects a warm Thank You card, a variety of additional announcements and seasonal messages are ed throughout the year. Corporate Direct Marketing: Targeted, direct marketing campaigns to existing SunTrust Mortgage clients may include direct mail, notices and statement messages.

Loan Program Interest Rate Agency 30 Year Fixed 10% Principal & Interest (PI) $1,770.98 Mortgage Insurance 4 (MI) $171.00 PI+MI Payment $1,941.98 (84 monthly payments of $1,941.

65 For financing information, contact: Joe Loan Officer SunTrust Mortgage, Inc. 123.456.6858 joe.loanofficer@suntrust.com NMLSR# 123456 Learn more or apply online: www.suntrust.com/joe.

42 at 2.750%) $116.67 $25.00 $1,985.68 *ARMs (Adjustable Rate Mortgages) have rates that may increase after consummation.

may be required if property is in a declining market or if required by state regulations. 2- Loan amt. for FHA/VA/Rural Dev. loans may include upfront MI charges.

shown is estimated; actual may be higher or lower. Assumes a 680 FICO for FHA and Portfolio Affordable and 720 FICO for all other loan programs.

Figures shown are deemed reliable but not guaranteed. This is being provided for informational purposes only and is not a commitment.

6 Loan Program Interest Rate Agency 30 Year Fixed 10% Principal & Interest (PI) $1, Mortgage Insurance 4 (MI) $ PI+MI Payment $1, (84 monthly payments of $1,941.98, then 276 monthly payments of $1,770.98) Estimated Escrow 5 $ HOA Dues/Condo Fees $25.00 Total Monthly Payment $2, For financing information, contact: Joe Loan Officer SunTrust Mortgage, Inc joe.loanofficer@suntrust.com NMLSR# Learn more or apply online: Agency 7/1 ARM * 10% $360, % (APR 3.679%) $1, $ $1, (80 monthly payments of $1, at 3.900%, then 4 monthly payments of $1, at 3.900%, then 276 monthly payments of $1, at 2.750%) $ $25.00 $1, *ARMs (Adjustable Rate Mortgages) have rates that may increase after consummation. Future payment rates shown are based on current index/margin; actual adjustments will utilize then-current index/margin. 1- Additional down pmt. may be required if property is in a declining market or if required by state regulations. 2- Loan amt. for FHA/VA/Rural Dev. loans may include upfront MI charges. 3- APR (Annual Percentage Rate) assumes $1,550 in finance charges which include application, processing, tax service, flood certification and settlement fees plus per diem interest. 4- MI pmt. shown is estimated; actual may be higher or lower. Assumes a 680 FICO for FHA and Portfolio Affordable and 720 FICO for all other loan programs. 5- Estimated Escrow includes real estate taxes & homeowner s hazard insurance only. Total monthly pmt. will be greater if flood insurance is required. Figures shown are deemed reliable but not guaranteed. This is being provided for informational purposes only and is not a commitment. Actual loan qualifying is subject to verification and approval of income, credit, property appraisal and other factors. The rates, fees and program shown above are subject to change at any time without prior written notice. Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. Rates valid as of x/xx/xxxx. Marketing Tools & Platforms You ll have access to some of the most innovative marketing tools and programs around, all backed by a dedicated team and the strength of the SunTrust brand. Our Marketing team directly supports the Mortgage line of business with a full suite of marketing tools, including the resources needed to successfully build client and referral bases. Loan Officer Websites: We develop and maintain personalized websites which include customized content and the ability to choose from different navigation menu options. Open House Flyer System: Create property listing flyers with side-by-side financing scenarios. Free electronic delivery. 123 Sesame Street $400,000 Down Payment 1 (%) Loan Amount 2 $360, % (APR 4.661%) 3 Richmond, VA Print and Online Advertisements: You make the media buy/ad placement with your local publication and Marketing will provide you with a free print-ready PDF of your ad to submit to the publication. Online advertisements are designed to increase traffic to your personal SunTrust Mortgage website. Sales Collateral: Promote yourself quickly and easily with personalized marketing materials. Options for free electronic delivery. Facebook for Loan Officers: Approved Loan Officers participating in this centrallymanaged marketing program get a branded, SEO-optimized presence on the world s largest social network. Plus, a full library of content to share and tools to schedule postings and monitor your audience for sales signals. Signs: Choose from a variety of interior and exterior signs and personalize with your contact information.

7 Work/Life Balance & Benefits SunTrust believes that the value of work is more than a paycheck. It s about benefits and programs that promote your physical and financial well-being. It s the environment we create as a working community, and the things we do to help you maintain balance and control in your life outside work. Our comprehensive benefits plan currently features: Medical, dental and vision coverage An employee assistance program, including dependent care resources and other referral services Life insurance, business travel accident insurance and group universal life insurance Long-term disability benefits Long-term care insurance Flexible spending accounts (FSAs) for dependent care and health care reimbursement, and a Health Reimbursement Account for incentives Additionally, SunTrust helps you plan for a secure future. Planning for a secure retirement is a cornerstone of your long-term financial well-being. The SunTrust 401(k) Plan is funded by your contributions and SunTrust contributions, and offers a choice of investment options. Save from 1% to 50% of pay in pre-tax or after-tax dollars. Matching contributions: If you contribute to the 401(k) Plan, SunTrust matches your contributions $1 for $1 up to 6% of your pay. Annual discretionary contribution: SunTrust may also make a discretionary contribution to every teammate s 401(k) account following the end of each plan year, between 0% and 4% of your eligible compensation. Even if you are not enrolled in the 401(k) Plan, SunTrust will open an account and make the contribution on your behalf. A Financial Fitness Program to help you protect your income today and build financial confidence for your future.

8 Community Involvement onup Together is the name of our volunteerism and corporate social responsibility program. Designed to inspire teammates to think about their personal passions and interests around volunteering, onup Together also provides the opportunity for sharing financial well-being resource tools with their favorite charity. SunTrust teammates are provided 8 hours of paid time off to volunteer in the local community, have the opportunity to be recognized for their contributions though the Presidential Service Award program and can easily find local volunteer opportunities and log volunteer and board service hours online through the onup Together portal! SunTrust Mortgage is dedicated to helping individuals and families realize the dream of sustainable homeownership. We ve developed strong relationships with non-profit organizations throughout our footprint to provide financial education and homeownership preparedness. Our goal is to help people get into and stay in a home that s right for them. Together in 2016 In 2016, SunTrust teammates participated in over 48,000 volunteer activities with more than 2,700 organizations and logged over 237,000 volunteer hours to help serve those in our community. Included among the many national organizations we work with to help make homeownership possible: ClearPoint Financial Solutions/Hispanic Center for Financial Excellence Goodwill Habitat for Humanity Junior Achievement National Association of Hispanic Real Estate Professionals National Real Estate Brokers NeighborWorks America Operation HOPE Rebuilding Together Urban League

9 Shine with SunTrust Mortgage Tools for Success Dedicated, regional fulfillment teams Fulfillment centers of specialization for Builder and Private Wealth business Unique product suite including exclusive portfolio products Geography-based Divisional Marketing Manager Positive, open interaction with senior management including a CEO advisory board and sales excellence forums Mortgage-focused technical, marketing and human resource support teams Innovative sales training for development of advanced skill sets Immersive 12-month training program for those new to mortgage sales Dedicated Builder and REALTOR leadership teams supporting expansion of referrals Lead Generation Sources Productive referral pipeline from a network of 1,500+ branches Outstanding sales and lead management technologies Branded Loan Officer websites with broad client functionality and mortgage tools - Online submission for pre-qualification and loan application - Mortgage calculators, Rate Watch and Home Value Finder Credit, payoff and pre-mover triggers Proprietary Multiple Listing Service Monthly cadence for targeted direct marketing campaigns Advertising and paid search Powerful Marketing Tools Company-funded client continuity loyalty program Company-funded, fully compliant Facebook page with sharable content Key marketing platforms enable loan officers to create personalized marketing collateral, customized financing flyers, Loan Officeroriginated s, letters and postcards and more! Proactive direct marketing programs to drive new business opportunities to Loan Officers Personalized economic forecasts Advanced market analytics and support tools Compensation and Benefits Competitive compensation plans Comprehensive medical, dental and vision benefits Matching 401(k) contributions Paid time off for volunteerism and Day of Purpose Personal and career development pathways and opportunities Physical and financial well-being education programs SunTrust University training programs SunPerks employee discounts and savings Reward and Recognition Divisional sales rallies to educate, celebrate and recognize Loan Officers Mid-Year Sales Forum for top producers Performance Excellence Awards (PEA) recognizing exceptional achievements in support of our guiding principles Exclusive reward trip with senior leadership for PEA Platinum recipients Annual top producer bonus Engaging sales contests with exciting prizes Marketing, Product and Social Media advisory board membership allows Loan Officers to shape strategy and programs Strong Parent Bank Subsidiary of SunTrust Bank, a $205+ billion institution with robust operations in the in Southeast and Mid-Atlantic states Reliable support from SunTrust Bank as key funding source Industry leader in community support and involvement Well-respected and nationally recognized brand Two-way referral network anchoring dynamic cross-sales strategy

10 Right opportunity? Right person? Shine with us. suntrust.com/mortgage/careers If you are an individual with a disability or a disabled veteran who is unable to use our online tools to search and apply for jobs, you may request a reasonable accommodation by contacting us at or by at careers@suntrust.com. This option is reserved for individuals who are unable to use or require assistance with the online tools as the result of a disability and is not intended for other purposes. Equal Opportunity Employer. SunTrust Mortgage, Inc. and its affiliates support a diverse workforce and are Drug Testing and Equal Opportunity Employers. SunTrust does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin, age, disability, veteran status, pregnancy, marital status, citizenship status, sexual orientation, gender identity, genetic information, or any other classification protected by applicable laws. This brochure is not an offer of employment, offer of a contract or contract and it is not intended to be relied upon or interpreted as containing any statement, promise or obligation regarding employment or the terms and conditions of employment with SunTrust Mortgage, Inc. Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker NYS Department of Financial Services, and RI: Rhode Island Licensed Lender SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. Rev:

THE DOCTOR LOAN PROGRAM FROM SUNTRUST MORTGAGE

THE DOCTOR LOAN PROGRAM FROM SUNTRUST MORTGAGE Specialty mortgage financing for Physicians and Dentists. The information contained herein is intended as informational material for the sole and exclusive