Real Estate Agent Program

Transcription

1 Real Estate Agent Program

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3 Our Mission Alterra has always had one goal: Building Wealth Through Homeownership. As families prepare to take the next step towards homeownership, we re ready to meet the demand with exceptional service, sophisticated tools, better processes and innovative loan programs. Alterra understands that educating the borrower is the first step in the home buying process. Our loan officers have a wealth of knowledge, with a combined total of over 50-plus years of mortgage experience. Alterra offers a wide variety of loan products, which opens the door of homeownership to those consumers who once thought, I probably don t qualify for a home. We know the first-time home buyer mindset and the myriad of uncertainties it contains. Is my credit score high enough? Do I have enough credit history? Is my student debt too high? If I can t afford to pay a down payment, do I still qualify? These are just a few of the burning questions. We have the answers.

4 Why Alterra? At Alterra Home Loans, we re revolutionizing the way we do things. Making sure we stay ahead of the mortgage industry and ensuring the growth of our real estate partners. We understand that change is constant and investing in continuous process improvement and technology, we can empower each other. We know the market better than anyone else. Grow your business by building on our success % % % of our business is first-time home buyers of our current loans were granted to minority consumers of all first-time home buyers in the U.S. will be minority borrowers by 2020

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6 Who is Alterra? Alterra Home Loans is a minority-owned, top U.S. mortgage bank and the second-largest Hispanic-owned mortgage company in the country. With loan coverage in 29 U.S. states, Alterra strives to represent the underserved in the mortgage industry, specifically serving the Hispanic community to help build wealth through homeownership.

7 Our Three Principles LITTLE THINGS MATTER Over the years we ve learned that it s the small changes that produce big results. FIND A BETTER WAY We never rest on our laurels. That s just how we do things here, will never be our method of operation. We are committed to finding better ways to serve our customers, and support our loan officers and realtor partners. OWN IT We vow to keep ourselves accountable. When we make mistakes, we don t pass the blame. We make it right.

8 Real Estate Agent Program 22-DAY GUARANTEE Close more loans! Alterra Home Loans will close your buyers purchase loan in 22 days or less, or we will pay your buyers.* COMMUNICATION & TECHNOLOGY From technology, to operations, to communications, we re ahead of the game. We have created the best tools to better serve you. Receive notifications for each milestone throughout the loan process. PARTNERSHIP RECOGNITION Recognition as a real estate professional partner on Alterra s website PRODUCT VARIETY Alterra Home Loans products are second to none. While our competitors are on today, we re already working on tomorrow. We close loans that other companies may turn away due to overlays and product limitations. CONTINUING EDUCATION CE courses Discounted rates on special designation courses Annual trip to Las Vegas for corporate development TRUE PARTNERSHIP Receive pre-approved lead referrals

9 Program Qualifications MARKETING TOOLS BNTouch CRM Monthly sponsored open houses featuring an on-site Loan Officer ($150,000+ list price) Pronto mobile loan app Pulse Choice of co-marketing campaign (up to $1,00) + Zillow + Postcard mailers + Facebook + Local community magazine advertisement LUNCH & LEARN SERIES Ongoing education on program/guideline changes, new products and company updates MUST BE A BUYER S AGENT MUST BE A FULL-TIME REAL ESTATE AGENT PRODUCE A MINIMUM OF 12 TRANSACTIONS ANNUALLY *This guarantee does not apply to Jumbo, ITIN and Non QM loans, or if the reason for delayed closing is due to the borrower, property, or any other factor outside of Alterra s control. This document is intended only for the distribution to Realtors and to be used by Realtors it is not intended for public distribution or to be used by consumers.

10 Loan Programs Alterra Home Loans provides your buyers with the most competitive loan solutions, whether they are buying their first home or their next one. GOVERNMENT PORTFOLIO LOANS CONFORMING NON-CONFORMING FHA 550 FICO ITIN Direct Freddie Mac Jumbo Loans FHA Standard Fresh Start Direct Fannie Mae Alterra Jumbo FHA No FICO Bank Statement Fannie DU Refi Plus FHA High Balance Homeowner Access Freddie Open Access FHA 203k Streamlines Foreign National Fannie Homestyle USDA Non-Warrantable Fannie Mae VA IRRRLs Non-Prime Home Ready VA 580+ FICO Portfolio Select Freddie Your Path FHA 100% CLTV Doctor Loan Program

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12 EQUAL HOUSING LENDER Alterra Home Loans is an Equal Housing Lender. Alterra Group LLC.,DBA, Alterra Home Loans located at 350 S. Rampart Blvd Ste 310, Las Vegas, NV 89145, NMLS #133739; Alabama Consumer Credit License #22321; Arizona Mortgage Banker License # ; California Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act. DBO Residential Mortgage Lending Act License # ; Colorado Mortgage Company Registration Regulated by the division of Real Estate; Connecticut Mortgage Lender License ML ; District of Columbia Mortgage Dual Authority License #MLB133739; Florida Mortgage Lender Servicer License #MLD381; Georgia - Georgia Residential Mortgage Licensee #30249; Illinois - Illinois Residential Mortgage Licensee, License MB: ; Indiana-DFI First Lien Mortgage Lending License 32967; Iowa Mortgage Banker License # & ; Kansas Mortgage company License MC ; Maryland Mortgage Lender License #22375; Minnesota Mortgage Lender Licensee MN-MO ; Minnesota Mortgage Servicer Licensee MN-MS ; Nebraska Mortgage Banker License NMLS #133739; Nevada Mortgage Banker License #3388 & 3873; Nevada Mortgage Broker License #2916; New Hampshire Mortgage Banker License MB; New Jersey Residential Mortgage Lender License NMLS# Licensed by the N.J. Department of Banking and Insurance; New Mexico Mortgage Loan Company License ; North Carolina Mortgage Lender License L ; Oklahoma Mortgage Lender License MLO11324 & ML011348; Oregon Mortgage Lending License ML-4879; Pennsylvania Mortgage Lender License #55099; Rhode Island Licensed Lender, NMLS ; South Carolina Mortgage Lender / Servicing License MLS & MLS OTN #1; Tennessee Mortgage Lender License ; Texas-SML Mortgage Banker Registration NMLS # Texas Recovery Fund notice, Click Here : ; Virginia NMLS ID #133739, Virginia Mortgage Lender and Broker License #MC-6681; Washington Consumer Loan Company License CL This is not an offer for extension of credit or a commitment to lend. NMLS consumer access: